10 financial mistakes that you make every day

1. Do not fix what the money goes

Money loves account, and is not just a banal phrase, but a guide to action. As long as you do not keep records of your expenses, you do not know where to funneling money and can not properly cut spending, even if it is necessary.

There are plenty of user-friendly applications that allow you to quickly and easily record all expenses. When it enters into the habit, you will not give it importance, but each month will be able to see what your money. In the next period it will eliminate the unnecessary spending.

2. Do not put off at least $ 100 per day

Saving every day for 100-200 rubles, at the end of the month you will be able to buy a headset, which have long dreamed of, or make a gift to a loved one.

Do not be afraid that after you decide every day to postpone such a small amount, your quality of life will deteriorate sharply. In practice, you will not feel the difference, still buying himself all right and not. But you can afford a little more than usual at the end of the month or year.

3. Not looking for products with discounts

Enjoy discounts not only pleasant (you cheated the system and bought the goods much cheaper than what you tried to sell it), but really beneficial. There is nothing wrong to buy products at discounted prices, go to the cinema for half the cost and enjoy special offers restaurants, cafes and delivery services.

You will not look poor in the eyes of others - more likely, they will appreciate your pragmatic approach.

Good habit becomes the wardrobe update is not in season: winter boots in the summer is usually cheaper, but after a few months certainly will fall by the way.

4. Do not compose shopping lists

Go to the store hungry and without a list of products has long been considered bad manners. You earn as much food as is not able to eat, and as a result spend money wasted.

If you constantly forget the leaves with lists, keep records on the mobile app. So the list of goods is always at hand, and the temptation to buy too much diminished.

5. Parted with the money too quickly

Today, the transaction takes a matter of seconds, that is a definite plus in addition, has its drawbacks. We offer a card to the terminal without hesitation - and money depart from the account. At the same time we cease to distinguish between the purchase really necessary things and all the things without which peace will live.

Do not make a serious impulse purchases. Follow the rule of 24 hours if a day later you will still be willing to buy something or pay for a service you pay for. But often, you can easily opt out of yesterday's ideas.

6. Do not use a credit card with keshbekom

It turns out that you can be in the black, without reducing their costs, and even vice versa. Today, almost all banks offer debit cards with keshbekom. We can only compare their advantages and disadvantages and produce suitable.

Typically, you can select categories for which keshbek be increased. So, if you travel by car, it will be convenient to return at the expense of a greater percentage of the amount spent on gasoline.

7. Conducts advertising

Advertising on the Internet and on TV somehow affects our buying habits. We want to buy exactly the toothpaste, which enjoyed a beautiful blonde from the video. Never mind that this product is different from the unique price only.

Come to consume more consciously choosing things based on the quality, not untwisted. This will not overpay for the brand.

8. You continue to do what brings little money

Work for the work - the heroic approach, but is hardly practical. Any work should be paid and it is desirable so that you can admit to yourself: "Yes, I'm really so much."

Continuing to work in low-paid work, which no longer allows you to live a full life, you deprive yourself of the daily pleasures. Gather will in a fist and find a new place where you will be valued as a specialist, and gratitude for the work, which comes on a card will suit you.

9. Do not use your spare time to earn more

Your time and effort - valuable resources that allow you to earn more. If you do not spend it in vain, of course.

Even working for 8 hours a day, you can find ways to make extra money.

For example, to get in the taxi service and bring up people on the way home from work, going out with a neighbor's dog or monetize their hobby.

10. You do not pay attention to its main asset - health

If your job has become a prolonged stress, the workflow itself no longer brings satisfaction and desire to spend the earned money you have after all to do but it is a cause for concern.

There will be no health and good mood - there will not be anything else. Do not be lazy to go to the gym, follow a dream, time to take vitamins - do everything you need to stay in good shape.