9 ways to get from saving a pleasure, not stress
Get Rich / / December 20, 2019
We used to think that saving - is to cut costs, spend less and lead a bleak existence. However, there are other ways to save money without giving up everything.
1. Set a goal to which I want to go
Saving for the sake of saving meaningless. This should be done in order to achieve something. However, the goal of "a better life" is not appropriate: you have something material and tangible.
By choosing a certain direction, you begin to understand, for what it save and how long it will take.
For example, you need to accumulate 500 000 rubles for a down payment on the mortgage for two years. Or do you want to go on holiday to Turkey after 6 months, and this you need 50 000 rubles. In the first case, you will need to set aside 20 800 rubles per month, and the second - 8300 rubles. We get a specific amount, and now you know how much you need to reduce their spending in order to achieve the goal.
2. Replace other entertainment shopping
For many, shopping - a way to relieve stress and lift your mood. Having bought a new blouse, another mosaic of shadows or another spinning fishing we have at some time feel happier. It turns out that the purchase - this
source of joyAnd bought things we do not really even need. Such a method of charge and cheer yourself up damaging to the budget.In the end, spend money, not only to be unhappy - it's a disaster.
I think that gives you more positive emotions and energizes: family dinner, meeting with friends, an evening alone with a book or a walk with the dog. Learn to enjoy the day to day affairs, not to console ourselves shopping at the mall.
If you know that you are in a depressed state and is about to descend polzarplaty - stop himself. Try to go past the shopping center and wrap, for example, to the playground, to ride on the swings.
3. Discard the small expenses
Small waste - coffee with a bun at the bakery, cheese, yogurt, travel by taxi, cigarettes, Lunches, mobile subscription, the second mug of beer at the bar, and so on. As a rule, we simply do not notice, and therefore easy to part with money.
Exclude everything not absolutely necessary, otherwise it will not want to live.
To begin, analyze what your money is going and whether you can opt out of these things (or to replace them by cheaper analogues). Can not imagine life without coffee - do not give up on it, so as not to suffer. But if you can find at least one position that can be deleted without regret, do it. And then you begin to save, without experiencing stress.
But it is important to remember that the saved money can not be spent on other things. It is necessary to postpone them for a purpose.
4. Imagine that it's a game
If you are a gambling man, make a financial Challenge. Argue other or with themselves and create a prize. Excitement will not allow you to go the distance, and the experiment itself teach deliberately spend money. Challenge can be very different. For example, these:
- 7 days to live on 700 rubles. We have tested this on Challenge yourself, watch the video here.
- Do not spend a penny per day (except money for travel).
- Abandon one expenditure - party, coffee to go, business lunch - for a week.
5. Do not limit yourself in everything
Savings should be combined with your lifestyle. If you overdo it, you will begin to experience stress, self-pity and ultimately frustrate by making thoughtless purchase. It's like losing weight, first sit on a rigid diet, and then overeat chocolate.
Not zealous and treat yourself with compassion. Why prohibit everything and move on bread and water? Start small and grow up in the habit of saving gradually.
6. Find a non-obvious ways to save
Economy - it's not only hard limits. There are more non-obvious ways. For example, it is possible make the map with keshbekom and interest on the balance, and periodically monitor discounts and promotions in stores.
If not so important personal Manicurist for you, get a coupon for a suitable service. If it seems like too much to pay for the connection, change the operator (in the process you will be offered a discounted rate - do not give up). If you love baking, you go after it in the evening, when it lowered prices.
You can shrug, but it's real financial tools that reduce costs without unnecessary suffering. Even if you save just one thousand rubles a month on such trifles, in the year received 12 thousand rubles.
7. draw interest
Set aside the money saved each month. And for this open contributionsTo them dripped interest.
Interest - this is money out of thin air, your bonus for the realized savings.
If you are afraid that the money may be required at any time, and with the contribution can not pick them up - try other tools. For example, in applications of many banks is a function of "piggy bank" or "cumulative score" - the money from there can be removed at any time.
8. Get wishlist
It happens that refuse to buy almost impossible. You saw in the store something cool, so even with a discount: a silk blouse, smart watches, shoes from the new collection. You have no argument not to buy this thing, but buying is not incorporated in the budget. If you spend - knock out the plan.
To avoid such situations, get wishlist. Add to the things that really want to, and from time to time through the list.
You will see how many want to buy, yielding to momentary weakness.
As a rule, buying interest is lost in a few days. If so happens, remove unnecessary items from the wishlist. And that still want - ask for a present from friends, parents or colleagues at the nearest holiday. So close no longer wrestle with what you give, and you will receive welcome gifts.
9. Change the attitude to the problem
It is difficult to save money, because we perceive it as a loss: we select funds at the present for the sake of something incomprehensible in the future. Economist Shlomo Benartsi offers original solution to the problem: "to save no more today, and tomorrow." "Tomorrow" - not literally, but when you raise the salary. You need to start saving with any amount and to increase contributions progressively, with the addition of each.
For example, you start to postpone salary 3%. It's almost imperceptible amount, which does not affect the comfort and quality of life. When incomes rise, increase the size of the "nest egg" of up to 8% in the month, and then - to 13, 18 and 23%. You can postpone and part of the premium. And if everything will turn out, that's what results you can achieve:
Year | earnings | Save each month | It will be in a year |
2019 | 30 thousand rubles | 3% | 10.8 thousand rubles |
2020 | 35 thousand rubles | 8% | 33 600 rubles |
2021 | 42 thousand rubles | 13% | 65 520 rubles |
2022 | 50 thousand rubles | 18% | 108 thousand rubles |
2023 | 60 thousand rubles | 23% | 165 600 rubles |
TOTAL | 386 520 rubles |
Plus, this approach is that you do not feel like yourself in trim costs, and thus save and accumulate money without too much stress.
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