5 hidden reasons why you lose money

We can lose large amounts of money because of their lack of foresight, negligence or own habits - and often do not even realize. Check if you do not spend your earned money for nothing.

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1. Unused passes to the gym

Starting with the new week, month or year in the hall rushing crowds, firmly intending to change its appearance. However, spontaneous decision may cause damage to your wallet.

As a rule, not all who have bought a subscription to fitness club visit it regularly. If you pay 3000 rubles per month for a subscription, which use a few times a year, for all the time you wasted almost 36 thousand rubles.

Before you buy a ticket in advance, think how often he will be required to you.

Try searching for cheaper or even free alternatives.

For example, if you have a bike ride on it to work. It will serve as a great exercise and saves a lot of money.

If you already pay a monthly fee for a subscription to the gym, but I understand that it is not profitable, cancel the contract. Note that this is not so easy, so you should think twice before purchasing a subscription. Sometimes it is better to pay for a one-time visit to the club.

2. Stale food

Perhaps many of us bought some product, but did not have time to use it before the expiration date. For security reasons, we will, of course, throw away food overdue. It turns out that money has been spent on it is wasted.

According to the American Chemistry Council, the average American family annually throws out products in the amount of $ 640.

To avoid such mistakes, make a weekly list of necessary products and always take them with you to the store.

Regularly check the refrigerator, freezer and kitchen cabinets to find out what you already have. Purchase only what you need for the next time and try not to be bought in store. It is quite possible that before the end of the expiration date, you will not have time to eat all the stocks.

3. Excessive spending on trips to restaurants

Always nice to look at a cozy cafe or treat yourself to dinner at an expensive restaurant. However, too frequent trips to these institutions can result in serious monetary losses.

Extra charge for meals in catering establishments can be up to 300%.

In this case, if in a year you spend in the restaurants and cafes of 30 000 rubles, the same food prepared at home will cost you 22 500 rubles cheaper.

You do not need to completely abandon trips to restaurants. Just try reduce costs to such outlets in the light and their number, especially if you are now in the economy mode.

4. The lack of pension contributions

Retirement savings will provide you with confidence in their own future. However, some unscrupulous employers do not make payments, the employee can not even guess about it.

It is necessary to check whether your money go as intended.

Otherwise, you risk losing your hard-earned by its own means, that you should go on pension.

5. Slow investment growth

If you decide to invest in something, make sure it really is to generate income and improve your financial situation.

Your net income will be very different depending on the choice of interest rate and term. The lower the interest rate, the less money you will save. Calculate the effective rate is better at the bank or by using a special calculator.

Read and understand all terms and conditions of opening contribution.

reserve fund you will be a reliable support in case of emergencies.

See also:

• Where to invest the extra money in the 20, 30 and 40 years →
• 5 financial lessons from the winner of the Nobel Prize Richard Thaler →
• 10 ways to control your finances →