How to save on Tesla, working remotely on a western company
Get Rich / / December 20, 2019
Sasha Ivanov
Editor, a commercial writer.
The salary of the average programmer - 5000 dollars a month
We asked two programmers. Nikita makes the backend for the Canadian company, and Arthur - the same for the US companies. Both get the same - $ 30 per hour. But Arthur's postponed almost 60 000 dollars, that's enough for a new car Tesla. And Nikita is not always possible to complete the month without having to get into the credit limit. What kind of miracles? Count how many earn our programmers:
Was it possible to get 5000 dollars and do not accumulate in the Tesla? Let's see what our heroes spend money.
Just count how much money you spend on food
Catering as many as a strategic task. Unreasoned catering will be breaching the budget, while good planning will help save menu.
Nikita goes to the "ABC of Taste" is near the house. He does not follow any system simply takes the cart and picking up your favorite foods. Among his purchases often found marbled beef for 2000 rubles per kilogram. Still never he has not spent for the campaign is less than 3000 rubles. When Nikita too lazy to cook, he calls in the delivery or goes to a restaurant. On the power it takes $ 50 a day is 1500 dollars per month.
Arthur bought every two weeks in METRO. The smartphone in his menu that he has developed, taking into account their needs. He has not checked with the list, because it remembers by heart everything that you need to buy. Every 10 days Arthur invites the girl in the cafe. He takes $ 300 in two weeks on purchases, plus $ 50 for the cafe. Total: $ 750 for meals.
Council: make a menu for the week and plan purchases. How to do it, wrote Layfhaker here.
Clothes you can buy kits
Times smelling cigarette smoke programmers in an old sweater over. Look stylish - the basic skills of modern man. Advanced pros periodically update a wardrobe, and a very advanced know what clothes suit them, making them more attractive.
Nikita likes to walk along the shopping centers. he falls often on sale and it operates on the principle of "like - buy." So in his wardrobe wormed velvet jacket navy blue and red sneakers. More he likes T-shirts with prints, and he spends a lot of time looking after them on eBay. But not always guess the size, and some things have to give or sell to Avito. During the year, Nikita bought clothes for 2 $ 400 - $ 200 per month.
Arthur updated wardrobe twice a year: before the summer and winter season. He knows all its dimensions, so can not try on clothes, just order it in a trusted stores on the web. Arthur borrowed the idea from Elon Musk and Mark Zuckerberg, it uses presets - ready-made sets of clothes. It includes presets gray, white, black T-shirt with V-neck, dark gray jackets, blue jeans. All of excellent quality. Arthur spends on clothes 500 times in half a year - about $ 80 per month.
Council: Use the presets or capsule basic wardrobe.
Concern about the health pays off
Steve Siebold, author of "How to think rich people" 30 years studied the habits of millionaires and formulated 21 Unlike the rich from the poor. One of the discoveries Steve: rich much more carefully take care of their health. Not surprisingly, since it is their capital.
Nikita four running caries, teeth often disturbed. But he usually MHI policy without dentistry. Recently he had the night to go to the hospital around the clock with acute pain, tooth extraction and anesthesia cost him 10,000 rubles. Now he needs to pay for prosthetics, count should be at least 1 000 dollars.
Nikita also subscribe to an expensive fitness club, but it is often too lazy to exercise in the morning can not wake up. But Nikita is always the newest model of fitness tracker. Hall - 26 000 rubles per year, fitness tracker - 3500 rubles. It changes every six months. Total: $ 50 per month, plus 10 000 rubles (165 dollars) for a tooth, and 1000 dollars in the long term for the prosthesis.
One of the biggest monthly fixed expenses Arthur - VHI "Business". It includes dental and endocrinology. Bimonthly Arthur rents undergoing tests and blood tests.
In the evening, Arthur runs in the park 6 km with a fitness tracker very simple model. He does not pay for room, but the house shakes muscles with dumbbells. LCA "Business" costs 80 000 rubles per year, $ 120 per month.
Steve Siebold, author of "How to think rich people"Ordinary people never associate money and health. Rich people know that money can save your life.
Council: buy VHI. He pays for itself. Complete the survey and to heal all infections, including dental.
To buy an apartment? This is possible if well-considered
Man available whole universe, but all he wants - his own house with a garden, a classic said. Housing issue has a high priority in people's lives. Save, take out a loan or withdraw?
Nikita removes large dvushku within the Garden Ring for 70 thousand rubles. He is going for several months to learn the conditions of the mortgage and start saving for a down payment, but in an apartment inside the Garden it is not enough, and he has become accustomed.
Arthur bought an apartment in the mortgage New Moscow for 1.5 million rubles, in a residential complex under construction. While the house was being built, he rented a very modest odnushku in the area of 20 000 rubles. What a difference to the programmer, a place to live, would be the Internet! Now the price of an apartment Arthur has tripled. He thinks to buy another odnushku construction.
Council: save up for a down payment and buy their own homes. Choose liquid odnushki: they are always in demand.
"It makes sense only Tesla»
Gone are the days when the car judged coolness person. Now a great car, rather, cause bewilderment: traffic jams, parking, taxes, fuel.
Nikita like big cars. He Mazda CX5 2015, for which he pays the loan to 30 000 rubles per month. Any failure, even a light bulb - and Nikita have to shell out. He has long wanted to BMW, Mazda fed up. Credit, MTPL, CASCO, fuel, maintenance - out 55,000 rubles a month.
Arthur bought a three-year Volkswagen Golf. He can afford expensive cars, but why? Golf Its a little more often a new maintenance-free, but the parts it is much cheaper and always available. Contents Golf - 10 000 rubles per month.
ArthurWhy do I need an expensive car? To show everyone? We are no longer a monkey. I see sense only in Tesla because of the batteries.
Council: choose an economical car.
Receiving salary too can be optimized
Our heroes are working remotely, and not every foreign company can execute the contract. Therefore, they use electronic payments, and taxes make out in the community.
Commission payment systems can eat a decent share of the earnings. It makes sense to carefully examine all the electronic payment systems and choose the one which is less than the commission.
Nikita uses the electronic payment system, associated with eBay. But that system has a big problem: the frequent blocking of funds and unfavorable internal rate of exchange of dollars for rubles. Nikita's no time to think of anything better: he needs money now.
Arthur tested all worthwhile services. Previously, he also used the infamous system, which had a habit of blocking the money in the account without explanation. With PayPal, he moved to Payoneer, but the commission for cashing funds at ATMs and to lift the restrictions forced him to look for a better option. He stopped at the ePayments due to lower commissions and that included the electronic invoice goes prepaid-card.
Council: choose a payment system with low commission and attached debit card. So avoid locking and save time for withdrawal.
To have a good rest, do not necessarily spend a lot
Scientists have long proven that you can not just work. Be sure to alternate periods of work and rest, to maintain productivity. But the rest - a change of activity. Therefore, the study can be considered a break from work.
Nikita twice a year goes to Europe or to Asia. On the trip takes at least 3000 dollars. He loves the beaches, five-star hotels and nightclubs. Nikita likes to watch TV shows in bed on his superplazme with a diagonal of 50 inches.
And the best rest he considers shopping on the Internet. For a week I dialed 10 hours, which Nikita spends viewing new proposals. Nikita can not help it if he sees little thing better than him, he buys it, and the old sells for half the price on Avito or to Facebook. For a month Nikita just for fun spending time buying $ 1 200.
Arthur always combines travel with chores. He is trying to travel on business of the company: to visit exhibitions, Hackathon, seminars. Some travel paid by the employer. It flies low-cost airlines, in nightclubs do not see the point.
Arthur spends two hours a day after work on the development of its project related to video games, which bring money in the future. Resting, he plays in the League of Legends - fun and inspiring ideas for your project.
Steve Siebold, author of "How to think rich people"Rich people prefer to learn and earn, not to entertain and look where it is cheaper.
Council: combine work and leisure. Alternate activities.
It is better to save than to buy
Do not get into debt - basic habit of a reasonable person. Save part of income - a habit that can make a person wealthy in a short time.
Nikita finally going to invest and buy bitcoins. He watched them grow and rejoiced that his fortune is growing. But just at this time he fell in love and gave bitcoins girl, so that she too was happy. But he fell in love fails, because she went with bitcoin.
Nikita three credit cards of different banks. If he wants to make a major purchase, it pays to the card. Also he buys, when he sees an attractive offer on eBay, without worrying about whether the thing he needs. The apartment of Nikita soon will be no place.
Philosophy Nikita: "Why I was working on, if I can not spend my money?" That she does not allow him to get rich.
If you add up the cost of Nikita, we can see that he spends $ 4 650, and this is without taking into account the spontaneous shopping.
Arthur immediately lays part of the salary for two deposits: the dollar and the euro. If something happens to one currency, he shall have no savings. Arthur eyeing the securities, this year is testing the bond. He leads in the program budget AceMoneyHe knows your daily limit and never exceed. Arthur spends no more than 2000 dollars a month. He will need at least two years to save up for a new car Tesla.
Council: do not put all your eggs in one basket. Spread on different deposits.
Investing in their spare time pay off
It makes sense to spend on something that will bring more money in the future or release time for more productive activities. Buy equipment and pay for services, which save valuable time programmers - an investment and not a waste.
Nikita pays for services Cleaner once a week. Cleaning one-bedroom apartment worth 2 000-2 500 rubles.
With the technique he had an ambush: he is constantly changing to newer gadgets. He has red iPhone 7 and another phone on Android. Also accumulated a few old smartphones that do not sell, and throw a pity. But Nikita does not lose hope. Do not lose hope and friends Nikita: they know that it will soon get tired of looking for a buyer, and he gave away all smartphones. Friends of Nikita knows that he may be asked to add money to do anything, and he would not refuse. Return not required: it will still forget.
Arthur also pays cleaning - 1000 rubles per odnushku. He knows that his time is much more expensive than the time cleaners, so I prefer to spend it on their own projects.
More had a decent bill for electricity, because it is constantly running air conditioner: Arthur hot in summer and cold in winter. If you do not maintain the temperature, it will not be able to work productively.
Arthur lends money to friends only if they do not have to pay for studies - such a principle. He uses a smartphone Xiaomi and considers it the best ratio "price - quality". Arthur's only weakness - a good red wine, which he orders via the Internet in the Invisible.
Council: spend on something that can save you time, maintain the health and bring more money in the future. You can afford a little weakness.
Arthur has already accumulated on Tesla. Here's what he suggests:
- Live just below the limit of their income. It makes no sense to flaunt lifestyle.
- Ordinary people often live beyond their means. Rich people live below them.
- Do not put all your investments in one basket. Keep savings in different currencies, such as part of the dollar part of the euro. So you will be protected from market fluctuations.
- Look to the Securities and bitcoins now you can buy them online in two clicks.
- Invest time in what will bring the money tomorrow. Shabloniziruyte everything possible: food, clothing, recreation.
- Calculate your budget for the day, the minimum and maximum. Do not exceed it. Save up for large purchases, or discard them if you can not afford.