How to save money: everything you need to know about savings

When you start saving

The answer may surprise you unpleasantly: immediately when there is a steady income. The first own money - it's a great temptation. They want to spend on entertainment, clothes, new gadgets - in a word, on everything. Alas, life puts all the places that sooner or later we realize that a good idea to have emergency supplies, which help out in difficult times.

To go to zero, surviving from paycheck to paycheck, and even more to get into loans - is not the most successful model of money management. If you still have to dispose of funds that way - perhaps you are lucky enough not to encounter serious problems when money is needed here and now. There is no guarantee that luck will accompany you in the future.

With the nearest salary set aside 10-15% - this money will be the basis of your financial safety cushion.

They can not be touched under any circumstances. Continue to hold off until you get an amount equal to your salary at least three months and preferably six months. Done, now you have a reserve for a rainy day, but it does not mean that you can forget about stocks and carouse recklessly.

Money that could be postponed beyond the amount necessary for peace of mind can be directed to achieve various goals. For example, large purchases, repairs, or a trip to the holiday. To spend the money can not be from the emergency reserve. There is nothing worse than being without money at the right time.

How to save money

If you have a decent salary, but to postpone it is impossible, it is time to figure out what the problem is.

1. Analyze your expenses. Maybe you can not give up the regular trips with your friends in the bar, prone to impulsive shopping or simply do not see fit to large acquisitions to find the most advantageous offer On the market? Be honest, to deceive oneself does not make sense. If you use the mobile bank application, it will tell you where the money goes.

2. Make a budget for the month. Immediately after you get paid, send part of the money on the formation of air bags, and then pay all the bills. The remaining amount - something that you will live until the next paycheck. Divide it into equal parts, the number of which equals the number of weeks until the next receipt of money. Just a month life of such a system will help to understand what costs should be optimized.

3. Distribute large expenditure of time. Several major purchases within one month certainly undermine your budget. Hint for the future: when it comes to seasonal purchases (eg, clothing or goods for rest and sports), do not ignore the sales, they will help a good idea to save money.

4. Use credit cards wisely. Credit cards are very useful, if properly deal with them. Study conditions: How long interest-free period, which have the best deals from the bank - perhaps when paying by credit card you will receive an increased keshbek. Get a bunch of credit and debit cards: pay by credit card with a higher keshbekom and then translate it to a debit card a sum equal spent.

5. Any windfall revenues should be sent to the treasury. Suppose you raised the salary - the same delay of 10-15%, but on current income.

How to store the accumulated

From a financial safety cushion to better handle very carefully. It should always be at your fingertips: dark times will not notify you about your approach.

The most obvious storage resources - bank deposits, savings account or a debit card with the interest on the balance.

Receiving interest on the deposit or account, you compensate for the effects of inflation on your savings. We must remember that bank deposits are insured for the amount of 1.4 million rubles, including accrued interest. If you happen to have amassed more - do not keep money in a bank.

If you have already formed their capital reserves, further savings can be invested to earn a little money. It is important to decide how much risk you are willing to go. As a rule, the higher the risk, the higher the potential return, and vice versa. Can invest on their own, having issued an account with a broker or trust the professionals, for example to buy mutual fund. Now the financial market offers a variety of options, including new investors with a small starting amount.

The main rules for independent investors:

• Do not keep all your eggs in one basket.
• Purchase only those assets that you are absolutely clear (you know what it is and how it works).
• Do not risk it necessary to try to get excessive.

What if it turns out not to save

In theory, any sane person understands that for a quiet life savings are essential. In practice, to create a reserve of money for a rainy day, it turns out not everyone: someone can not to clean up the monthly expenses, someone has no idea how to properly store the accumulated facilities.

November 1 will have another lecture from the cycle "The financial environment». Its theme - "Savings: why do we need to create and where to store." Financial Advisor, an expert on financial literacy and CEO of consulting company "Personal Advisor" Natalia Smirnova will hold an educational program on the subject of saving and tell you how to gain financial independence and properly dispose savings. This is the last event of the first series of lectures, the next cycle will begin in February 2018.

The lecture will be held in the "Biblio-lab" on the "Winery" (Moscow, 4-Syromyatnichesky per., 1, p. 6, staircase 4). Admission is free, but seating is limited. Follow the link below and register in advance.

Sign up for a lecture