Life hack: how to pacify the inner spender and finally start saving

Turn saving into a game

Keep a calendar with daily savings tasks. For example, arrange a challenge “Day for 500 rubles” or try to abandon the traditional pizza delivery on the coming weekend, and transfer the saved money to a separate piggy bank account. So financial tests will get a clear and quite tangible happy ending.

Ask yourself questions

You bring a new outfit to the fitting room - think about whether it is worth buying at all. Maybe you already have something similar in your wardrobe? And with what will you combine the new thing and how often do you plan to wear this thing? If you want to drown out a bad mood with impulsive online shopping, agree with yourself to postpone the order for a couple of days. Surely by that time you will change your mind about spending money on little things that seemed necessary. And always ask yourself if you really need to go to the store before you even enter it.

Don't deprive yourself of pleasure

Save up on refusals from coffee and taxis - this advice has long been registered in the guides on saving. But the daily torture of public transport and the lack of a favorite drink is likely to lead to stress, and stress itself to

unnecessary purchasesPro‑dopamine regulator, KB220Z, attenuates hoarding and shopping behavior in a female, diagnosed with SUD and ADHD / NIH. There is a way out: come up with 7-10 options for regular, but optional expenses and resort to each no more than once every 1-2 weeks. So it will turn out to save a little bit, without denying yourself life here and now.

Hide the piggy bank

Let's say you need 100,000 rubles for a new laptop. Of these, 50,000 have already been collected. Every glance at this amount is a trigger: you want to reward yourself for your patience and buy at least a cool mouse. To avoid temptation, keep the accumulated amount out of sight - for example, many online banks allow you to hide the number on the account behind asterisks.

Create a reserve for unexpected expenses

Your car breaks down, your smartphone screen shatters, you urgently need to go to the dentist to replace a lost filling – there are many reasons for unexpected expenses. Open a separate account for such cases. So you don’t have to get into the main financial nest and withdraw money from deposits for other purposes.

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