9 easy ways to save money without stress

1. Save more tomorrow

In his speechSaving for tomorrow, tomorrow at TED, economist Shlomo Bernatsi said that fear prevents us from saving. We are afraid to limit ourselves, we prefer momentary pleasures and keep telling ourselves that we will definitely start saving money from the next paycheck.

But, of course, we never do it. To crush the financial procrastinator within himself, Bernazi suggests using the Save more tomorrow principle.

The essence is very simple. You only need to save 1-3% on every paycheck (instead of the dreaded 5-10% that economists and financial experts usually recommend). Almost anyone can do it. And every time your income rises, you can increase the percentage of funds set aside.

Yes, in this way you are unlikely to accumulate a fabulous amount, but at least you will be able to take the first step and understand that saving is not so difficult.

2. Postpone in stages

In this technique, the amount you save starts at just 50 rubles, but every week you need to increase it... by the same 50 rubles. In the first week, you put 50 rubles in the piggy bank, in the second - 100, in the third already 150, and so on.

Thus, in a year you will accumulate almost 70,000 rubles, which is very good.

This method will gently and painlessly teach you to make savings. And if income allows, you can increase the step from 50 rubles to 100 or more.

3. Entrust your savings to the bank

If your hand does not rise to take a certain amount from your salary, entrust this to the banking application. Set up an automatic monthly transfer of a certain amount to a savings account. You can start with a painless 3-5% of income and gradually increase the amount of deductions.

4. Pay the price for bad habits

Do you smoke? Hanging uncontrollably on Instagram? Eat a lot of sweets? You can kill two birds with one stone: get rid of bad habits and save up a little (or a lot - depending on how bad you behave) money.

Set yourself a system of penalties and for each violation of the rules, get a certain amount from your wallet.

Smoked a cigarette - 200 rubles, went to bed later than 12 at night - 500 rubles. Etc.

5. Continue to pay off the loan, even if it has already been closed

This principle is at the heart of the snowball method, which was invented by the American financial expert David Ramsey. While you pay off debts, you get used to paying the bank a certain amount every month. When the loan is finished, continue to pay, but not to the bank, but to yourself. Transfer the amount of the monthly payment to a savings account or invest this money in stocks and precious metals.

6. Pretend that bonuses and bonuses don't exist

If we have some kind of additional income (bonus, bonus, one-time earnings), we rejoice and start spending all this "extra" money on entertainment and unnecessary nonsense. Do not do like this. Imagine that you still only have a salary and postpone the bonus.

7. Deceive yourself

It can be uncomfortable to send several thousand rubles to the piggy bank right away. Agree with yourself that you will save a little bit (50–100 rubles), but every day. Such a small amount will lull your vigilance.

It will no longer seem to you that a huge gap has formed in your wallet and you are about to begin to endure hardships.

Moreover, if you save 100 rubles every day, in a year you will have 36 and a half thousand.

8. Pay yourself taxes

Set aside 5-10% for each purchase above a certain amount (say, 1,000 rubles). This will not only help to save money, but also discipline you, teach you to be more careful with spending. You can decide for yourself whether you pay "tax" for every purchase, including food, or only for certain categories of goods: clothes, computer games, cigarettes, alcohol and entertainment.

9. Half the income

First, divide all the profits in two and put them in two different envelopes (or in two accounts). At first, spend only from the first envelope - as if the second does not exist at all. When the first envelope is empty, divide the remaining amount again.

Continue spending money from the first envelope only. Repeat as many times as necessary.

This psychological trick will help you be more careful with your money: you will spend it as if you have much less money than you actually do. And therefore, by the end of the month, at least something will remain in the second envelope. And you can transfer this amount to a savings account or invest at your discretion.