How to change your life, if you save for 3000 rubles per month

What can change the money

If you save on small things, not cobble together a billionaire. But after a year of small restrictions can be detected at a very nice sum. For example, if you set aside for 3000 per month, in a year you will have 36 thousand rubles, which can be:

1. Buy a training course on your specialty. New skills will help qualify for a pay rise or change jobs more interesting.
2. Pay for a modest vacation for one. Or very modest - for two. Thrills and a change of places to help relieve stress, relax. From a trip you will return rested and ready for new challenges.
3. Purchase an annual subscription to the gym with a swimming pool. Maybe even enough for two, depending on the city. With regular training you will become more powerful, resilient, fit and healthy.
4. Start Your Own Business (Eg, selling hendmeyd-goods). It will bring you extra income, but with skill small business can develop in the long term in a big company.
5. Make redecorating the room. New wallpaper, and fresh paint on batteries will transform the room, the house will be cozy and comfortable.
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6. Buy a quality mattress. Good sleep is important for health, well-being and mood.

How to save the required amount

Down the way

Do you consider accumulation budget save the required amount in the box or on the cumulative score immediately after receiving salary. All necessary expenses are already included in the financial plan. If these funds are not save, they will go to is not very necessary things.

Therefore, you save by simply not giving yourself the opportunity to throw money down the drain. This method has one drawback: if you are still not able to resist the thing that decided not to buy, then the funds may not be enough even on the right.

The actual method of

In order to efficiently perform a task, you need to break it into several subtasks. And with savings instead to postpone a large amount at one time, it is possible to save a small portion of every day, and come to the same results.

So that accumulate 3000 rubles per month, will have to set aside an average of $ 100 per day. You can also keep The weekly account and monitor how you deal with the plan.

combined method

You can defer some of the money in the treasury immediately after the salary, and the remaining amount to try to save money on everyday spending. If you put 1.5 thousand at the beginning of the month, the day you need to spend only 50 rubles less in order to fulfill the plan.

How to save on daily spending

There are obvious articles, decrease in costs which will be useful not only for the purse.

Coffee to go

This is one of the leaders of any shopping list, which unreasonably pulled out of your money. If we are not talking about the espresso, the sweet coffee drink with milk can negatively affect not only finance, but also on the shape and health. Sugar syrups and convert the contents of the cardboard cup of a full calorie meal. If you can not live without coffee, cook it at home and pour in Thermomug.

Public transport

If you need to overcome part of the way by bus less than two kilometers away, for example, to get from home to the subway, then develop the habit of passing this site on foot. Walk in the unhurried pace will take no more than 20 minutes. Walking also lowers stressThat would be a nice bonus to the economy.

Business Lunches

Just abandon the restaurants, unless you're in a tough economy, it is not necessary. But routine lunch from the cafe should replace household.

Layfhaker suggested recipes, one portion of which will be cheaper 100 and even 50 rubles. Compared to the average business lunch for 300 rubles savings will be decent. In addition, you will be able to accurately calculate the calorie meals or at least check the freshness of the products.

Showtimes

In the morning you can see a movie for 100-150 rubles per person, in the evening - more than 600. Well overrated 3D-sessions, tickets are usually more expensive, scientifically provenTesting the Effectiveness of 3D Film for Laboratory-Based Studies of Emotion..

This point is perhaps the only exception from the list, because it only affects the wallet. But if you stop and buy more sweet popcorn, the financial aspect of the use of profitable film shows will not be limited.

Spontaneous purchases at the box office area

Usually in the area offices spread out candy and chocolate bars, not the carrots and sticks of celery. Buying something there, you are moving in the opposite direction from the direction of a healthy diet. Refusal of such spending - is the use of the purse and the body.

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thanks applicationsThat track stocks in the shops for you, you can easily save money on everyday purchases. No need to roam the area in search of washing powder and milk at a discount, simply pre-compose the route in view of a shopping list.

Map with keshbekom

Keshbek - it does not save in the truest sense of the word, because you pay for the purchase of the full price. But in the end you return part of the money spent, as if you bought each item with a small discount.

Alcohol and cigarettes

Alcohol and tobacco - including substances that cause the most heavy dependence. At the same time and spending accounting for a very impressive amount. For example, if you smoke a pack a day, enough to give up the habit only to save 3000 rubles per month. Similarly with alcohol. Even if you buy a bottle of wine for 500 rubles only on Fridays for a month to spend at least 2 thousand rubles.

To the economy was evident, enter the rule: resist the purchase or have purchased something profitable - your sberezhonnye money to the savings account.

The growing amount will motivate you to further achievements.

Of course, everything is relative. The financial issue is no exception. If your income is barely enough for food, then set aside even $ 100 a day - a feat. Others should try geymifitsirovat savings: look for items of expenditure that are unreasonably pulled out of your money, and replace them with something useful.

In the end, and thrift, and healthy lifestyles in the trend, so can one shot kill three birds with one stone: to save money, improve your health and become the most fashionable guy in the neighborhood. Even if you're a girl.

And what you have accumulated, saving on the little things?