Where the money goes and what to do

Sometimes, you get a salary, and after a couple of days on the map is still only half. Where to evaporate the money if you do not get down on their gambling and do not suffer shopogolizm? Here are a few suggestions.

1. Their rise in prices eats

You buy roughly the same set of products, but over time, notice that by the end of the month the money you are left with less than before. It's simple: prices are rising and wages are growing, too... but not keeping pace with inflation. By the end of 2019 it will beThe Ministry of Finance expects that inflation in Russia will hold out in the range of 4-4.5% in 2019 4–4,5%. The cost of products, in turn, has increasedIn Russia, the end of the year is expected to produce a rise in prices for this year at 1.7% and may increase by another 3.5%.

What to do

Inflation and price influence we can not. Therefore, it remains to choose the budget-brand products, which are often better than more expensive options, and do not miss the opportunity to get a discount or keshbek.

2. Do you like to eat outside the home

It just seems that a cup of coffee or a hike in the cafe during the lunch break, not much hit on the wallet. Just think, a few hundred rubles. But for 20 days so you can spend up to five thousand, and it is already quite noticeable.

The same applies to any small, but regular purchases. For example, if you every day picks store chocolate for a child.

What to do

If a trip to the café makes you happier and because of this you do not have to live up to the salary in the buckwheat and the water, do not need anything. Food - it's not just the calories and micronutrients, but also fun. However, if you want to save, at least sometimes, take it with you lunch from home. It will cost much cheaper.

3. Do you smoke

Another small, but systematic waste, which eventually turns into a considerable monetary loss. If a pack of cigarettes costs on average $ 100 a month a heavy smoker would lose a couple of thousand. And for the year, this amount will grow to more than 20 thousand rubles.

What to do

the obvious solution: quit smoking. So you not only save, but also stop to poison your body.

4. You do not watch your subscriptions

To pay for books, music and more convenient service - honestly and correctly. But it so happens that you first sign up for an application or service, and then do not use them. Or you forget to unsubscribe from neponravivshegosya service after a free trial period. And with your account continued to withdraw money.

What to do

Keep an eye on your subscriptions and cancel unnecessary. This is always possible in service settings.

5. You're making a rash purchase

Supermarkets are not made for our convenience, and to ensure that we left there as much money as possible. When we see right in front of shelves laden with food, we have a false sense of availability: "It is necessary to lend a hand, and it will be mine."

To blame dopamine, which makes us look forward to the pleasure. And where is the anticipation - there is the desire to satisfy it. And here you are, as if in intoxication, throw in the cart food, household chemicals and other goods.

Sometimes you come to himself already at the cash register and begin to lay out something from the cart back. But more often only after payment you understand that grabbed much unnecessary.

What to do

Before going to the store be sure to compose a shopping list and try not to deviate from it. Go with a fixed amount of cash, and leave the cards at home. And try not to come to the store hungry: appetite pushes us to the ill-considered purchase.

6. You take loans

Monthly payments and interest may not seem like much, but for a year or two will develop into a decent amount. Especially if you have a credit card, and you use it regularly and recklessly.

What to do

Not issued loans and credit cards, unless it is absolutely necessary. And if you dare, carefully read the conditions and try to repay the debt until the end of the interest-free period.

7. You does not conduct financial accounting

You just get paid and spend it anyhow. And then you wonder what all the money disappeared from the card.

What to do

Every day, write down how much money you spend and on what. This can be done in a notebook, in table on your computer or special supplement. So you learn to take into account the income and expenditure plan so that your financial situation will no longer be a surprise.