How to live a week to pay, if the money is almost gone

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1. determine the budget

Money is almost gone, but there may be more than it seems. Check the surface on which you usually lay out the contents of his pockets, look in the bags. In short, think about where you can leave the money in well-off period. It is then for you 300 rubles seemed a trifle, but now they can provide you meals for the entire week.

The collected amount spend on the essentials - food, or transportation.

2. Optimize transportation costs

Costs - items which are not so easy to cut. Get a job somehow still have, or week to paycheck can last for an indefinite period. And yet there are several ways to optimize spending.

1. If the work place is less than 5 km from the house and the street is not 30 degrees below zero, it is possible to completely abandon the vehicle. This distance is overcome by a slight step in less than an hour, and such a walk in the fresh air will bring not only the economy, but also health benefits.
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2. If you use a car, consider not profitable to be a week to transfer to public transport. Even if the cost, at first glance, are approximately equal, consider the additional risks. Machine, for example, can be evacuated, and to pick her up, need money, which you do not have right now.
3. If you live near one of the peers, you can ask him to haul you. It is important to be disciplined by the passenger who is late and does not distract from the road. Otherwise you'll have to go back to the first two points.

3. Check food stocks

Not only for whom the phrase "empty fridge" really stands for absolutely free shelves. Usually there will be lay three or four eggs, a little piece of cheese, half a lemon, jars of canned fish and peas or something else suitable for food. The cabinet will be of half a pack of buckwheat, rice and pasta in a basket under the sink - two bulbs and three potatoes.

If properly dispose of supplies, it can overpower full menu several courses for the whole week with minimal additional costs or no.

4. Switch to cheaper products

If you are used to buy milk from cows raised on the alpine meadows and farm meat, it's time to find out what else is in the range of hypermarkets. Beyond the luxury segment there are many products with normal composition. Even those who do not usually shikuet, it makes sense to see what else is on the shelf. And, of course, pay attention to the discount.

5. Renounce catering

work lunch better to take with them from home. Even if you are on the shelves and the ball Roll products for cooking will still have to buy, it will still be cheaper than to give money for a business lunch.

For example, for 300 rubles you can try to buy 1 kg of chicken drumsticks or thighs, a pack of rice, a little carrots, onions and potatoes. Not very gluttonous person will get from these foods soup and boiled rice pilaf type for the whole week, and all for the price of a business lunch. Of course, a variety of such power will not name, but in the absence of finance options a bit.

6. Choosing free entertainment

During the week it is easy to do without cinema, theaters, clubs and bowling. If some entertainment still want to, at your service, for example, walk in the park. A tea in a thermos of coffee substitute takeaway. In addition, the social networks you can find out, are not carried out there somewhere in your town free exhibitions or film screenings.

7. Make an inventory of coupons and bonuses

In your purse or on a shelf might well be still on hand coupons through which you can get a discount at the supermarket. If your bank card is connected to the bonus program, but you use it enough, it's time to figure out how it works and where you can pay points. Use all the tools that will help to save.

8. sell unnecessary

Surely you have something that constantly gets in the way and not used. This may be an old mobile phone, a dress, a chair - anything. Try to sell them through websites with ads or through social networks. To get the money quickly, the price will have to set below the market.

9. Find part time

Think about what your talents you can quickly be exchanged for money. You can register on the exchange and freelancers to write a text or a piece of code to draw the logo. Uncreative people, but with his hands should look for an order to fix the cabinet or sewing curtains. In your case suitable options that do not take much time. It is worth while to consider that payment is unlikely to be high if you have not previously have gained a reputation in this area.

10. Borrow

If there is a person who is willing to give you a little time, money, use this opportunity. But take a minimum amount, taking into account the most important needs. This money will have to be given to future salary. If you do not calculate, at the end of next month, you will once again find out how to get through the week without money.

But to borrow from a microfinance institution is not necessary: ​​the credit at exorbitant interest, however small, just aggravate your financial situation in the long term.

11. Make a credit card

If money is not left, you can get a credit card with the longest interest-free period, especially since it does not take much time. There is only one thing: a credit card is necessary to remove a small amount of the vital expenses. After the wages should pay the debt and forget about the map to the next difficult situation.

Constantly taking money from a credit card, you run the risk of increase debt, which can not cope.

Total

These tips are suitable for those who occasionally gets into a difficult financial situation: back pay, PE happened. If you are forced to live a week without money monthly cost to solve the problem in another way. Make a budgetTo plan all expenses and keep an entire salary immediately after it is received, or think about how you can increase revenue.