10 tips on how to improve their financial well-being in the new year

If you do something, but that does not work, find another way.

In this article we have collected for you the most universal advice on money management. They will help you become financially savvy in the new 2016. But attention, they all work in the long term, but do not give an instant effect. And if you do not go into the details of smart monetary theories, then these simple tips will help you enough to feel comfortable at handling money and a little richer.

1. diversify Finance

Simple, versatile, and most importantly, trouble-free way to improve their financial condition.

Diversification - the division into equal shares of their savings, income from different instruments in order to maintain stability in crisis situations. In this case, diversification can be applied not only money, but also to life in general: work, leisure, education.

For example, divide a large deposit into pieces and put in a few banks. If one bank that something goes wrong, it will be possible to withdraw money from another.

Develop skills in different areas. You can choose to improve their skills or find a part time - so you at any force majeure will be more confident to stand on his feet.

Thus, as in the story, it is better to lose a battle than the war completely and quickly. Diversification for the financier - is the most important thing at any time.

2. pay Statement

Very popular and hackneyed advice, all successful people one way or another in his books suggest to use it. What to do, it really works.

The ordinary man in the preparation of the nth sum of income, such as wages, immediately deduct all of your current expenses (communal, telephone, time of purchase), and plans to purchase, but the own development recalls last, if at all, recalls. Imagine that you have not received a salary of 35 thousand rubles, and 32 thousand, and the amount of 3000 rubles immediately goes into the formation of the Fund's assets.

A pragmatic man tries to separate from the amount of profit to invest it either immediately or postpone its development and new ideas. Usually it is 5-10%. In the end, always have funds for new projects, education and training - to move forward, and only then close expenses remaining amount.

This is a good working understanding the psychological effect that the funds you are willing to invest in something, are ready to make an informed risk losing them for you will not be a tragedy. You thus get a huge experience.

This is the rule of "Pay Me": upon receipt of income set aside 5-10% for its development, to ideas. Here the main thing - to realize that this is not the same thing as to postpone for a car, furniture or vacation. This money is in the idea when it is ripe.

It seems to be a simple rule, but how difficult it is to observe it! I need a very good skill self-discipline and the ability to deny themselves in many ways.

3. Avoid fees

Try to evade the payment of commissions for various operations: phone banking, insurance premiums, additional guarantees and the like. Be able to understand such details, know how to give up additional optional services, do not be lazy.

In the future, this is a very good captain. Do not believe me? Try six months, not to pay commission and interest, and see how much money will accumulate.

Examples of commissions: someone else's ATM, mobile banking, an additional guarantee for the goods purchase useless discount cards, electronic money payment through terminals, additional services at service. Even the purchase of small items at the checkout in the hypermarket also be considered by the Commission - for standing in the queue. :)

4. Do not let us in debt to friends

On the basis of his experience and observations of other people say, never give in debt close friends, whatever the amount may be. If you want to help, just donate the amount you can pay. In the future, the impact will be greater.

5. Go with a limited amount of money

If you go to the store or going to use some kind of service, that is, will fall into place with a lot of temptations, do not bring a map (at least at first), and take a certain amount of cash that covers your costs, and no ruble more. It works flawlessly, but we need to develop the habit.

Yes, this advice may seem absurd, but later, using this method in practice on a regular basis, you will be able to protect themselves from impulsive purchases or purchasing services, you do not need. Plastic card introduces you to the consumer trance as if everything is permitted, and if still there is a credit card or overdraft - here is your sensible mind can not survive.

More such training helps to say no to yourself when buying unnecessary things and services offered by a variety of ways. It's simple: you do not have the necessary funds to pay for them.

6. Create a financial safety cushion

Regardless of the financial situation in the world and at home, regardless of your knowledge, you must be a financial reserve in case of "drought".

The books often speak of the financial reserve to maintain a minimum of your life for six months. I believe that in our rapidly changing times it is unreal. Yes, and do not need to do - just 2-3 months. During this time, you are sure to have come up with a way out of any crisis situation, and apply for any job.

This is your stabilization fund (as in our country). If force majeure circumstances arise: dismissal, the collapse of a business crisis, the disease - this stabilization fund, you have to live for 2-3 months until the new revenues will be.

7. Type the system of penalties

As a kid, remember? Nashkodil, brought three, failed to comply with the mandate of parents - the penalty of deprivation of sweets or pocket money, your computer, or simply sent in a corner. And why now does not apply such a penalty, but to yourself?

I spend on a grand scale - a fine on top, spent too much on a vacation - a fine, lose money - even a penalty, too lazy to earn more - too fine. Each person sets himself beyond what is permitted and that the fines.

The amount should be small, but notable for the budget. And save money at the end of the month you should not regain back the same, but it will not be punished. Think of what they send. For example, you can give your child, a friend, and the best - to charity. But it does not have to explain anything to anyone - given, and all. Each offense should have a price.

You can fine replaced by another penalty, such as deprivation of sweet or additional sports load, but the monetary punishment works best.

Want to deal with finances wisely? Start with yourself. As long as you do something stupid, the money will be treated the same, and to you - it's simple.

8. Use the principle of justification

Amount spent on anything, should fully meet the criteria such as safety, health and functionality.

No need to purchase something very cheap or receiving services for a penny: it is fraught with consequences for safety and health. But do not think that expensive - the best. We need a sound approach.

You can use the principle of the golden mean: cheap dismisses, dismisses and expensive, and take the average.

This rule works fine when buying technology: new too expensive and did not break in, almost cheap guaranteed break - take-tested models that are versatile and meet all our requests. Better to choose a simple and functional than beautiful and heaped.

9. pay specialist

If you can save yourself time on more important tasks, it is better to pay a specialist for solving problems.

Many people try to save money on repair, health, recreation, food. And often try to do everything yourself. But this is not always better. This autonomy can take time, the order to pull the nerves and lead not to a better result.

But if there is an option to speed up the solution to the problem, and to gain time and energy spent on something more important and useful, it is better to pay. Miser pays twice.

10. Do not live the moment

The most useful advice and the most exigeant. No need to live in the moment, otherwise miss much, most will pass you by.

Unfortunately, many people are trying to meet their short-term desire: "I want this and this," and what - is unclear. What are the prospects for these cash spending in the future will bring - are often not taken into account. Yes, it is useful to buy a laptop for blogging, writing a book or code, but not useful - for games, TV shows, and social networks.

Learn to direct your life in the future, rather than today's desires and impulses, often due to the surrounding environment information. Financially savvy people have an important skill - the ability to plan. Yes, plans are not always carried out, but the main vector of development is maintained.

And how many tips you already use in your life? I calculated that the following six tips above the rest to work.