15 ways to save on everything

1. Putting off a fixed percentage of payroll

You can transfer to a separate account for 10-15% of the salary and other financial income or more - depending on income and mandatory spending. Make it worth as soon as your funds have been received on the account. So you can avoid internal negotiations in the spirit of "What if this month will not postpone anything?". This should become a habit.

Let's say you get an average Russian salaryAverage monthly nominal and real wages of employees of organizations - after taxes is 42,932 rubles. If you set aside 10% or 15% per month, in a year you will have 51.5 thousand or 77.2 thousand. Both amounts exceed the monthly salary.

2. Connect the "piggy bank" to bank account

Monthly transfer money to a special account - a good idea, but here the human factor intervenes. Too easy to forget in a hurry about it (or pretend to have forgotten). Automation in savings matters - the perfect assistant.

Many banks offer this possibility. For example, the Savings Bank have a service "Piggy", the "Alpha-bank" - the account "Nakopilka". Thanks to them, you can:

• Putting off a fixed percentage of the salary automatically. Service will respond to the receipt of money or transfer funds on the requested date.
• You translate a certain percentage of each waste. Let's say you bought business lunch for 250 rubles, 25 rubles was spent on a special account. As a result, some office lunches will bring you more than 500 rubles a month. Do not want the money went from the account? Less waste. This system is useful and so and so.

3. arrange Challenge

You can transform the process of accumulation in the quest with their own conditions. For example, set aside every month more than in the previous one, or collect a certain amount by a specific date. If you are a gambling man, the way of accumulation is not so important: you make every effort to fulfill the plan.

If your internal motivation enough to stash more actively attract external arbitrator. For example, argue with one another - and better than the money, you risk not only save, but also to lose.

4. To make a plan

If you know clearly what lay up, and want to buy it at a specific date, work planning. The most simple - divide the whole amount on the remaining number of months. The resulting figure will show how much you have put off every 30 days.

A problem with an asterisk for those who are not afraid of difficulties. Do you have a control number, below which it is impossible to sink. But to save more, it is possible. So if you connect additional sources of income, you get all the chances to surpass the plan.

5. Convert single item of expenditure in the accumulation

If you are looking for a simple way to find 1-2 weight, but optional expenditure and discard them. And the money that you would normally spend, delay.

Let's say you used to buy coffee to go - 100 rubles per glass. If within a month will bravely pass the coffee, then save and set aside up to 3 thousand rubles. Or a little less, if you wear a drink with a thermos from home - this is normal, the victims from you, no one is waiting.

The first in the list of things on which you refuse, should be alcohol and cigarettes. On the bad habits out a bunch of money and no use of them.

6. To save money on purchases unmade

The method is like the previous one, but struggling with constant expenditure, and with impulsive. We spend money, not only because we want to buy something. Often it is a way to please yourself. But the funds received in the cumulative expense, also an occasion for a good mood.

So, if you are peculiar impulse purchases (no matter what it is - a packet of biscuits or new jeans), each time in the store think it needs this thing. And if not, the delay amount, which is going to spend.

7. Contents map keshbekom and the percentage for the residue

Since you still keep the money on the map, and expend them, it would be strange not to use it. Many of the banks return the money spent. Some more, and charge interest on the balance of the map. Depending on how much you keep in the account and spend, the amount can be quite noticeable.

But it is important to read carefully the conditions of the bank so that they came specifically for your financial situation.

8. Daily transfer to the savings account of the rest of

In the age of electronic technology the chances that your pockets full of cash, small. But you can every day to translate into "piggy bank" kind of detail from the account - so that the rest of round.

For example, at the end of the day you have left on the map 5247 rubles. You can put 47 rubles, to left 5200, or 247 rubles, to left exactly 5000. How many zeros you have to get after these manipulations, it depends on your well-being.

9. Save on what you do not use

Everyone knows that in order to accumulate, it is necessary to save. But to do it is not so easy. Although there is an elementary way to save money - cut back on what do not use costs. Say what you year after year, buy a subscription to the gym, if you go there once a month? Break the contract and take the balance.

Go through subscriptions and services, get rid of what you pull out of the money, but almost no benefit. All this is not useful. And if so, well, sign up again.

10. start a piggy bank

As a child, you probably waited for Dad shake jeans or pants, so there spilled coins. If properly examine the carpet and the space under the bed, it was possible to make a fortune!

Now coins of purchasing power is not the same as before. But, if you use cash, you should not neglect them. Get a piggy bank and each evening unloaded into it a trifle out of his pockets. If you are ready to go ahead, set aside some money each exchanged notes. By the way, this is one of the principles of the Japanese economy system Kakebo, And only the Japanese know something in this sense.

11. Find additional source of income

This advice does not hit its freshness, but many ignore it if you want money, earn more. You can do this systematically: find a part time profession, monetize a hobby, discover new talents. Or look for opportunities to make money with minimal investment: sell the old technique, unwanted furniture and so on.

This life hacking there is another hidden advantage: the more you work, the less time you have on what to spend the money.

12. Arrange fasting days

Select a couple of days a week when you do will not waste, except for the necessary kind of fare. No trips to the store, unplanned get-togethers with friends, fun on this day is not provided - complete austerity.

The most difficult is not to abandon the costs, and save time saved. So that by the end of the day the discharge delay amount, which could save.

13. Get out of debt

If you have outstanding loans, extinguish them as soon as possible. So you release the monthly payment amount and will be able to delay it without any difficulty, because you have become accustomed to not consider these funds in the budget.

14. Share your dreams with loved ones

If your environment is all right, people will make a lot of effort to support you and to simplify the goal. For example, begin to call to visit, but not in the restaurant, and the birthday will give money.

15. Do not hesitate to save and save

One of the main obstacles to the economy - the idea that it is a shame, although it should not be. Trying to avoid unnecessary expenses logically and rationally, that is wrong? On the contrary, the idea of ​​"Why do I save, I am a beggar, or what?" Gives an injury inflicted poverty. Typically, this approach ends up wasting in an attempt to prove that the money is there, but in fact they are not so much.

But the economy does not grow into a mania. If you go to a cheaper store located two blocks farther to buy the same products, but cheaper - it's smart. If you buy a cheap product from the water and zhovanoy paper instead of expensive high-quality, cost savings money to spend on a psychoanalyst.