18 things for which you're spending too much money

1. Utilities

Tariffs for communal account for a significant portion of our expenses, but still they have a terrible tendency to grow all the time. According to recent dataSberbank ranked average expenditures of populationOn average 15.2% of revenues Russian citizens goes to the payment of utility bills. Electricity, water, heating - it is expensive, but to live without all the joys of civilization, quite frankly, sadly.

As the save. Many ways. For example, you can replace incandescent lamps with energy-efficient: they consume less energy - saving can be up to 80%How Energy-Efficient Light Bulbs Compare with Traditional Incandescents. Choose more energy-efficient appliances: old appliances consume a lot of electricity.

Can you fix a dripping faucet and turn off the water if you do not need it - for example, when brushing your teeth, and waste stream pours into the sink. Install aerators: they actually reduce water consumption at the same pressure. Check the insulation in your home. And, of course, set the teeth on edge advice: leave the room, extinguish the light.

2. Food

According to statisticsSberbank has predicted consistently high Russians spending on foodRussians spend a third of their budget on food. AND statement that can be fully fed for 3500 rubles a month, somewhat exaggerated.

However, to reduce costs for products can still be. Of course, provided that you know how to cook. And if you do not know how, it's time to learn.

As the save. Plan your meals: make up the menu for the week and painted in detail what meals and when you are going to prepare and that it needs to buy. Get wholesale products with longer shelf life - cereals, pasta, flour, coffee, sugar and salt. Get a vacuum sealer to ensure that products stored longer. Freeze fruits and vegetables as a reserve. And be sure to keep track of the shares in the supermarket, compare prices and buy cheap analogues.

3. Restaurants, bars and cafes

Continuing the food theme, talk about eating places. So, restaurants and bars - the evil. Food and beverages they sell to crazy mark-ups, because the owners of establishments have to pay rent and staff salaries. Perhaps that is why more and more Russians preferAverage Russians spending on food delivery caught up with the check in restaurants cook a meal at home or order it online. Try to give up going to the coffee shop and you.

As the save. Forget about lunch in a restaurant. Home food is not only cheaper, but also more delicious. A particularly susceptible individuals will not be plagued by doubts whether the waitress dropped the hair in the soup, and if well washed dishes is enough. Instead of meeting in a cafe invite friends to visit me: you will not only win in financial terms, but also be able to enjoy home comfort.

4. Smartphones

Many people are obsessed with the idea to have the newest, most top-end smartphone. A flagship - not cheap toys. And sometimes a smartphone in the first place is not interested in their capabilities, and the logo, which can brag to your friends and colleagues. The most obvious example - iPhone, become a kind of status symbol.

A more smartphones quickly become obsolete. You bought a flagship, a year goes by, and the market roll out the next model, which has slightly more pixels, gigabytes and gigahertz. Does this mean that it is time to part with the old, but serviceable gadget and share the money for a new one? Of course no.

As the save. Thanks to the development of Chinese technology now on the market can find a lot of smartphones, which are cheaper branded gadgets, but it may practically the same thing. For example, Xiaomi Mi 9 shoots Picture is better than iPhone XS Max, but is cheaper. And to call, send messages in instant messengers and social networks, play videos and music all smartphones are able to more or less the same. So why pay more?

And chasing novelties - and at all a waste of money. Now most of the gadgets are at least different from the previous models. So do not buy a new smartphone, if the old still works fine.

5. Bottled water

Without water there is no life. It is quite possible, therefore, bottled water - a product with a huge margin. Each time to buy it before going to work or to the gym is too expensive. The price, in addition to the liquid and the disposable container with a lid and label supplier is laying waste to the bottling, the staff and delivery, as well as the amount to cover costs and profit.

As the save. Get a filter, and clean water alone. Or boil it. Then pour in a bottle and carry with you wherever you go. But note that this does not fit plastic bottles: they are harmfulAntimony leaching from polyethylene terephthalate (PET) plastic used for bottled drinking water reused. In addition, plastic pollutes the environment. Therefore, buy a reusable bottle and forget about unnecessary spending.

6. Cable TV

Pay TV - it's a great way to throw money down the drain. Yes, you will have a hundred or extra channels, but not the fact that they will find something interesting.

As the save. Give up cable TV. In the age of the Internet any movie, TV series or shows can be viewed on request at a convenient time for you. And no TV shows and aimless channel switching.

7. Gym

Gyms, of course, are different, including and not very expensive. But still, if you purchased a monthly subscription, and retreated only 3-4 workouts, then the money can be considered thrown to the winds. Another point - payment coach. If you are quite new, it can not do without a mentor in the sport. But over time, his services are becoming too burdensome.

As the save. Try to exercise at home. If the audience can not do without, at least abstain from their coach. Work out with him only the first time he has put you a technique. Ask to make the training program. And then you can continue on their own.

8. Petrol

Despite the fact that we live in an energy superpower, gasoline prices are not encouraging. According to statisticsHow many Russians spend money on car gas station?Every fifth Russian citizen spends on fuel for the car about 4000 rubles per month.

As the save. Read the instructions of your vehicle manufacturer, and do not buy petrol with a great octane rating than recommended: it still will not make your car faster. Avoid plugs to consume less fuel at idling of the engine. Keep tires inflated. And never lihachte on the roads: it will affect not only your economy, but also on safety.

Another option - to transfer to a taxi. Now, with the development of mobile applications and aggregators, it is easy to compare prices and choose the most cheap services. And finally, do not forget about such an invention, like a bicycle. He will not only save money, but also to tighten the fit. And yet, this transport is safe for the environment.

9. Coffee

Yes, the lists of tips on "how to save" item about coffee is already a cliché. But it is less relevant from that he did not. In coffee houses this beverage is sold for a large profit: its cost is included and disposable cups and board smiling baristas, and rent, and a bunch of other costs. So that coffee becomes a pleasure not cheap - especially if you drink it in large quantities.

As the save. Boil coffee themselves. If you are an avid coffee lover and are very picky about the taste of the beverage, get yourself a coffee maker. Many of the coffee machine can be programmed from the evening to the morning, they brewed a fresh drink. So it will not take too much time and energy in the morning. And buy a sealed Thermomug: coffee in it will retain heat longer and it can not be accidentally crushed like a paper cup.

10. plastic bags

It would seem that the plastic bags from the supermarket inexpensive thing, but for the year accumulates quite a noticeable amount. This money could be better used to better advantage. All the same packages in most cases simply thrown away. And at the same time suffers not only your wallet but also the environment: plastic bags will decomposeComparison of Environmental Impact of Plastic, Paper and Cloth Bags 400 years, or even longer.

As the save. Reusable Bag will save you from unnecessary expenses, and the planet from pollution. The main thing that it was quite roomy.

11. medicine

Medications road, and their prices tend to rise too. According toOn the index of consumer prices in August 2019 Rosstat, last month rose even such a seemingly simple medicines as tincture of Leonurus, and iodine. But without medication is still not enough: not all diseases can be cured plantain.

As the save. First of all do not get sick. And it does not forget about prevention: warm clothes, tempers, eat well and lead a healthy lifestyle. Maintain good dental health now - spend less on the dentists in the future. If you still get sick and your doctor has prescribed you a medication, ask if he had any cheaper alternatives. And buy only means of proven effectiveness, or simply throw money down the drain.

12. books

I understand the book - is sacred. Source of knowledge and pleasure, creativity and cultural heritage of the centuries, nothing beats the smell of a new book, and so on. Abandon them - is to begin slowly but surely deteriorate. However, from the price tag on the paper edition is not alone. But the output is still there.

As the save. Join the library and exchange books with other lovers of reading, the benefit of social networks in this help. Buy used books in second-hand stores. And finally, get e-reader. Publications in digital format are usually cheaper paper, and if you use the discount on subscriptions and book services, will save even more. There is also a completely free e-books - from the classics that moved to the section of the public domain.

13. Toiletries

Look at my shelf in the bathroom. There's certainly a lot of any gels, shampoos, scrubs, ointments, creams, and some expensive scented soap. Do you really need several kinds of lotions and means to wash your hair?

As the save. If you do not have the most sensitive skin, replace the tool after shave simple cool water. Instead, a body scrub, which is constantly running out, and will fit a rigid sponge: it is cheaper and more durable. And not necessarily to buy expensive gels and shampoos: more budget analogues work not worse.

14. Household chemicals

Dish detergent, kitchen, toilets and other household chemicals are very expensive. Besides all this out quickly. And yet caught not cheap, but it is completely useless products: for example, cleaner clogging, which is never going to work as a sewer cable. Or fabric softener.

As the save. From household chemicals can be waived at least in part, by clicking on the home remedies. For example, liquid from scale for the washing machine can be replaced by citric acid. A gas stove with a conventional wash with baking soda, it is coupled with an acetic essence, you can clean the clogged sink. And replace the paper towels for reusable dishes: they are you will benefit much longer.

15. Programs, applications and games

A pile of applications on computers and smartphones asking for money. And when any useful thing, not a pity to pay. But all sorts of microtransactions in games (pay and get here this cool hat!) Is very annoying. Or paid features in applications, not really necessary, but always remind yourself. You spend money on this? What for?!

As the save. Before you buy a new cool app, look on the Web, if he has a free analogues. The vast majority of those programs are. It is not necessary to lay out their money for an antivirus: products free-license no worse. Do not waste your time on a professional Photoshop, if you want to only remove the red gleam in the eye in the photo: that's enough for you GIMP. Buy games on Steam during sales - discounts there is sometimes reach 60%. And removed from the Google Play data about your card - it will be less tempted to buy unnecessary nonsense.

16. Contact lenses

They are very, very comfortable. Lenses - it's just a salvation for those who are uncomfortable with glasses. They will not forget the house, them harder to lose (if you do not rub your eyes, of course). But they are expensive.

As the save. Buy a simple cheap glasses and wear them at home when no one is looking at you. At the same time give your eyes a rest. A lens wear only if're going somewhere. So they will last longer. And be sure to compare prices in different lens optics to select the most suitable option.

17. Pet supplies

Your cat or dog is really needed here is the cool house, a stylish suit with patterns and pompons, crown bone and the running wheel? It seems that such things more than amuse owners than their pets.

As the save. Animals and quite satisfied with homemade toys. In the end, once to play with the cat was enough candy wrappers, tied to a rope.

18. cigarettes

Here, in general, even nothing to say. Cheap cigarette smoke disgusting. And expensive palatable, but their use - it is literally the process of turning money into smoke, if slightly paraphrased aphorism Queen Elizabeth I.

As the save. drop it smoke. If you leave until this addiction does not work, at least reduce the number of cigarettes consumed per day. Will be able to stretch out a pack a week - have savings. Alternatively, go to the home-made cigarettes and buy tobacco and cigarette paper wholesale separately.