What defer to pay now to avoid problems in the future

To improve living conditions

If you do not have inherited a mansion in the center of the city, sooner or later the question will arise about the improvement of living conditions. Some people need the initial payment on the mortgage, someone - to supplement the expansion of living space, or to move to a more prosperous region.

By the way, lucky with apartments in the center, too, it is not necessary to abandon the idea to save on real estate if they have children. The idea to show the door to the descendants of the real life without a penny in his pocket, so that they all made themselves certainly noble, but having their own housing will greatly facilitate their lives.

In the event of professional burnout

The decision on future profession we take very early, and not all hit the target on the first try. If you feel that career wise turned the wrong way, all is not lost. History knows many examples when people in different age radically changed life, starting from scratch in a new profession and succeed.

But note that for this you need money. The amount necessary to accumulate given the fact that for some time you will learn and get paid young professionals. At this time, the savings should provide a normal standard of living for you and your family.

for retirement

Before pensionsOf course, still have to live. But the chances of it is, so it is best to take care of more or less comfortable economic situation in advance. At the end of 2017, the average pension in Russia wasThe main indicators of pension 13.3 thousand rubles. While there is no reason to believe that in the future these payments will increase incredibly and will miss out on a comfortable life. So you should create a financial plan and set aside money on a regular basis.

On training

In most professions constantly need to developTo remain popular professional. If you want to vigorously enough to climb the corporate ladder, you have to learn a lot and often. Moreover, some employers are not only new skills the employee, but also a resounding name of the teacher training courses. And it will have to pay for, with a lot.

Children's education

Now it is impossible to predict whether there will be budget places in higher education by the time when your child grows up. And it is better adjusted to the worst-case scenario. Think of the savings in advance: the earlier start to accumulate, the more will be painless process.

In the future, if the child is still able to study for free, you can find where to spend the accumulated amount.

on the journey

Surely you already tired of the phrase about the age of the shoe, which does not matter if you walk them around Paris. The more that is not enough for any travel to save money on buying a pair of shoes. It is better to start in advance to save money on a dream trip to Venice did not have to change the channels on the groove next to the suburban bed.

In the event of force majeure

Have savings in case of force majeure is not very far-sighted. Ideally, in the bank should be based on the amount by which you and your family can live 3-6 months in a familiar environment.

Unfortunately, the trouble can not be insured. Loss of employment, need for surgery, a fire in an apartment, a car damaged in an accident - all of which can deliver a lot of trouble. But accumulation will perform a safety net to help survive the unfavorable period.

To provide passive income

No matter which method of obtaining passive income you choose, most of them require an initial investment. In order to invest wisely, it is better to diversify capital, for example to buy a stock is not the same company, but several. In this case, the amount of investment must be substantial, not to stay in the red, if the "shoot" a smaller part of the securities.

At a dream come true

Dreams are different, but always elusive, otherwise it is not a dream, a goal. Money is not sure to fulfill your dreams come true, but you can bring to their implementation. Especially if you do not dream of world peace, and that, for example, to shake hands with Arnold Schwarzenegger, travel around the world or become the owner of a prize horse.

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