How to survive in the big city: 5 things, where you can save

Food

cook at home

At first glance, lunches in the cafe is not very pretty penny. But statistics saysHow has the cost of business lunches to the contrary. Average cost of set menus in Moscow in 2018 - 268 rubles to 337 rubles a cafe and restaurants. In St. Petersburg, a business lunch a little cheaper - 230 rubles to 287 rubles a cafe and restaurants.

Now let's count. Suppose you are a resident of Moscow, honestly worked all October 23 working days. Every day you go to a business lunch at a cafe next to the office and laid out for your soup, salad, second and juice 268 rubles. 268 × 23 = 6164 rubles.

Here, for example, that you can buy on the 6164 ruble (and something even more will be):

• very good multivarku;
• not very good lens for the camera;
• branded shoes at a discount center;
• feature-rich multi-storey house for cats;
• closed wireless headphones for travel in the subway.

In order not to deprive yourself of the excess of the cat house, save a business lunch and take food with them. How much less it will - depending on your culinary habits.

Let's say, a matter of survival should really badly and you do not go beyond the food basket. In Moscow, a minimum set of products for a month costsMuscovites are paying for products almost a thousand rubles more 4.5 thousand rubles - less than 150 rubles a day. Yes, it's hard, but think about it: Three times in the homemade food you can spend half as much on one meal at the cafe.

Purchasing the product correctly

To get to save, you need to follow some simple rules for grocery shopping.

• Plan a schedule of purchases. Oil need to buy once a month, cheese - once a week, and bread - once in three days. More planned trips to the shops - less random expenses. And plans the entire purchasing process, including the route at the store - so you buy only what you really need.
• Do not forget to make an inventory. A familiar situation: you come out of the shop and then found that you already had the green peas and sausage stick. To perishable foods do not have to throw out, check the fridge before going to the store.
• Do not go to the store hungry. Otherwise the risk found in the truck a bunch of unplanned pies, crisps and chocolates.
• Watch for discounts. The seasonal and permanent stocks in the shops near the house. Help application "Edadil», Tiendeo, SkidkaOnline.
• Buy food in the evenings. Especially if you are interested in music: after eight in the evening ready meals in the stores often sold almost half the price.

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Transport

Buy travel on the subway

Of course, after considering the feasibility of buying it. Again, we give the example of Moscow. Suppose, on the working days in October you ride the subwayIn 2018 in Moscow the cost of a single trip on public transport will not change twice to the office and home. At the end of the week you travel around the city a little less - add 14 more movement to get a nice number in 60 trips.

• The fare on the map "Troika" - 36 rubles.
• The cost of 60 trips around the map "Troika" - 36 × 60 = 2160 rubles.
• Cost of the ticket "One" on 60 trips - 1765 rubles.
• The cost of the unlimited ticket "One" for a month - 2075 rubles.

That is, with unlimited PASS, you will save 85 rubles, and a ticket for 60 trips - 395 rubles. Count everything as it should be and choose for themselves the most economical option.

Use different services to call a taxi

Download all applications for call taxis that operate in your town. Enter the path in each of the service before ordering - so you will find that the prices of the same journey through the city can differ by tens and even hundreds of rubles. Obvious leader is not here: it all depends on the distances, areas and existing shares.

Know how to drive - use karsheringom

The minimum price of a trip to the rental car less than the cost of a low-cost travel by taxi. Given the per-minute payment on auto karshering service you can do and get to your destination, spending less than a hundred rubles.

But do not forget to assess the situation on the roads: if you get into the plug, the counter will continue to charge you for every minute. Taxi is usually determined based on the cost of the trip distance and time in the route is not considered.

go on foot

This is useful not only for the purse, but also for health.

Clothing and Equipment

Check for special offers on the clothes

Do not rush to be carried out on advertising: SALE sign in the window does not always guarantee the best prices. Better to learn the value of things on the websites of different shops. Finding discounts on clothes again help application: The above Tiendeo, SkidkaOnline, as well as specialized Shopguide, ZenMall and Supersale.

Look for clothes diskont- and outlet malls

These are shops, and sometimes - shopping malls, where the reduced value of the goods from previous collections. What, after all, the difference is that these shoes come in the past year, if they are beautiful and comfortable?

Do not be afraid to look into the second-hand

The second hand can save obscene amount of money on clothes expensive brands. And yet they can find something that is not sold at all in Russia, and will surely be only you. Just do not forget to check things out for the presence of holes, abrasions and stains: Return to the second hand does not work.

Passage for the highly sensitive: the smell that deters you from used clothing - this is a sign that it is clean. The characteristic flavor of second-hand - this is a special chemistry, which is treated clothing before resale. The smell will go himself after a few washes. And let the second-hand does not scare you location, signage and interior design. It is because of affordable rental space clothes are sold for next to nothing.

Look for items on the message boards

On Avito and "Julia"You can find children's clothes, second-hand equipment or clothing that did not fit on the size of the previous owners.

An illustrative example - prams, especially premium models. The fact that people bought for 25 thousand rubles, after use sold much cheaper.

This life hacking is not universal, but in the big cities, you can find almost everything. Just develop the habit to seek the necessary thing on bulletin boards before going to the store.

Need tools - Rentals

The new hammer will cost at least four thousand rubles. If it is useful to you once, it is best to rent a tool for 500 - just type in a search engine "rent the instrument daily." In big cities, there are dozens of proposals.

Entertainment

Sign up for a free posters and inexpensive measures

Enter in a search engine "free events" and the name of the city and explore everything what reach your hands. Especially interesting things often come in groups, "VKontakte" and channels in the Telegram.

Study sites to Get coupons

Frendi, «KuponGid», Biglion, Kupon.ru - Download the application of these services or poschache go to their websites. There appear to promotional codes visiting events, exclusive coupons for discounts at restaurants and shops.

Buy tickets in advance

Purchase tickets at the start of sales will help to save on trips to the theater and to concerts. Furthermore, it is the largest number of free places available in this period. By the date of the event often remain only expensive and inconvenient.

If you purchase a ticket at the start did not succeed, try your luck for 10 minutes before the performance. Perhaps someone bought his ticket reservations and get you at an affordable price.

Have fun in everyday life

Hike bowling or swimming pool will cost environment is cheaper than on Sunday. Force yourself to go somewhere in the evening after work is not easy, but why else would you do live in a big city.

incidental expenses

Incredibly beautiful set of wine glasses, a very necessary exercise application of cognitive abilities, deluxe Works favorite author - all these unpredictable purchases translate into a large sum at the end of months.

To permanent and incidental expenses not beaten on the budget, it is necessary to increase financial literacy right: to plan Serious purchase, learn saveTo study and predict the situation in the market. But first, you can even calculate how much you spend on fact. Work on the analysis of the costs: see the statistics in banking applications and services Accounting for finance.

We gave basic tips to help you start saving. If you want to learn more, sign up for a free lecture on "Finance and the City: how not to pull all the money for a latte." It's free, but you need to create an account, so that you have enough space.

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