How to save money by not limiting themselves

We all consider cost savings a good idea. But as soon as we come to the fact that it is necessary to include an economical mode of life, it's starting to scare us. The first thought is this: "I will have something to limit myself." And it drives the melancholy. But money can be saved with the mind and then not have to probably worsen their lives. Here are a few simple tips that you can use for the smart economy.

Set aside part of their salaries via bank
Many of us do not get paid in cash. As a rule, the money immediately fall to a debit or credit card. You can negotiate with the bank that he froze some the tiny amount on your account every month. One or two per cent of salary. At the end of the year, when money is needed, you will have more or less significant amount.

pay in cash
During the day, we do a lot of incidentals. When we pay for everything in cash - these costs are more prominent. At the end of the day, at least remember where half the cash disappeared from her purse. Therefore, incidentals better to pay cash in the long run it can be taught to a more rational spending of money.

Keep records of personal finances
Monthly calculation of costs helps to create a complete picture of the costs and find out which ones were unfounded. If it is difficult to calculate the cost for a month - it should be broken for weeks and so on. The main thing - in front of you will clear picture of the costs and you will be able to optimize costs without limiting yourself.

Avoid hasty, fast shopping
I must admit that all of us make rash purchases. Once on sale, it is difficult to convince myself not to buy absolutely not necessary, but a very nice part of the wardrobe. Or another book, for example.

Firstly, we must understand that shopingovogo euphoria lasts very long. And, secondly, you can easily plan your purchases and get round shopping centers, has not yet accumulated the necessary amount for a specific item. At first it may seem difficult and very restrictive, and then you will find that easy to pass by the next sale.

Spend less often by wire transfer
Have you ever noticed the extreme ease with which we spend money or electronic money with a credit card? Money that we do not see, really spent very easily.

Therefore, sometimes it is better to pay in cash. Even if it is a major purchase. And especially when you are expecting a decrease in income. Just less pay by credit card and you will have more money.