The Russian media, all sorts of non-journalists and strange personalities who have visited Europe a couple of times, like to spread rumors about the savings of Europeans, exposing them as misers. How the Europeans are actually doing with savings and whether they can be called mean people - decide for yourself after studying the information in this article.
One of the biggest expenses in the budget of every family is communal payments. per month or 2400-3000 Euro per year. How can you save money on utilities, you ask?
I recently heard again how two Russian men were discussing what Czechs are beggars. To which I can object and ask a counter question: does the average Russian go on vacation 3-4 times a year? But the Czechs travel, and not only to the resorts of neighboring countries, but also to distant countries such as Brazil or Kenya. But they do not spend all their savings on vacation, but plan it thoroughly for the year ahead, and during the holidays they do not always go to restaurants and spend money.
Therefore, it is considered normal here to buy air tickets for sea holidays in September next year or book in May.
One of the advantages of early booking, in addition to low flight prices, is the ability to choose exactly the direction you want to go. With the receipt of permanent residence, we also sometimes began to buy discount tickets, for example, we see tickets somewhere in Italy for 5-10 Euros, we immediately buy them. And you can think over the route and book a hotel much later.
The Czechs are very simple and unpretentious people, so they can safely buy an uncomfortable sofa at home, which, moreover, does not match in color with the rest of the situation, the main thing is that the discount is bigger, for example 50-70%.
In addition to buying furniture on sale, another way to save money is to deliver furniture yourself. I have seen more than once how the Czechs drive up to the store in a car with a trailer and load furniture on it themselves and take it home. I know a wealthy Czech who has several apartments in Prague, a good job as an engineer, but he is rather stingy. Therefore, when buying furniture, he rents a trailer, and finds the cheapest option closer to home and goes to the store. In the store with his wife, he loads furniture into a trailer, then they go home, together with his wife they unload boxes that can weigh more than 50 kg, carry them home and, again, assemble furniture with his wife.
And I have seen more than once how men and their wives drag a heavy sofa or some kind of closet, well, don’t pay the loader!
Looking at the general condition of cars in the Czech Republic, you often come to quiet horror. For a Czech, a car is just a means of transportation, so the attitude towards it is often dismissive, i.e. the car may not be washed for months, not vacuumed, the oil in it does not change, but simply topped up. In winter, instead of a glass scraper, Czechs can use whatever comes to hand: keys, a piece of sharp plastic, a phone, and even a glass bottle. The Czechs are also dismissive of the car body. Few people repair minor scratches, dents, chips, because it will go like that.
With the purchase of equipment, things in the Czech Republic are as follows: most citizens buy new equipment when the old one has already completely fallen into disrepair, and it is very expensive to repair it. Therefore, even now, from time to time in transport, I see people with old Nokia phones.
One of important factors when choosing appliances, especially household appliances, this is an energy efficiency class. Class A and above are preferred.
As you know, Europeans do not scatter with gifts, the Czechs are also not particularly chic when buying gifts, even for such important holidays as Christmas or Birthday. For example, the average Czech spends the least on a Valentine's Day gift in Europe, namely 10 Euros.
Usually the most banal things act as a gift: a book, jewelry, home decorations, socks, perfumes. But recently I began to notice that more and more Czechs are buying a variety of equipment such as iPads, food processors, TVs before Christmas. I don’t know if they give this equipment as a gift or please their loved ones, but giant queues form in stores with equipment.
It was a shock to me that the Czechs, when billing them, behave like in a Turkish bazaar. For example, in the sports club where I went, there was no price list, and the amount of the monthly fee was set depending on how you agree with the manager. For example, I paid 1250 CZK, some guys 750 CZK, and one Englishman 2700 CZK for the same season tickets.
I decided to periodically check whether it is possible to get a discount on a particular service. And recently we got a price increase for our home Internet, we wrote a letter saying we didn't like the new price, and the ISP called back and we were able to negotiate a lower amount.
Banking services in normal banks are not cheap, and in the Czech Republic, some families open one account per family in order to save a little on this type of service.
Myths like: "Europeans don't wash their clothes" or "They flush in the toilet once a day" I think are inventions of pro-Russian channels that want to expose Europeans as misers. And I think that, again, only declassed elements of society that do not have a normal education and work can suffer like this. Normal Czechs, however, are alien to such savings.
I believe that many of the savings associated with wasteful use of resources are justified. For example, prudent use of water, electricity, and discounted groceries. And some examples of savings are hard for me to understand: an indifferent attitude to cars, choosing the cheapest clothes or cheap gifts. Just as I don’t understand some Czech acquaintances who moved to the cheapest odnushka on the outskirts of Prague and ate pasta and pate for a year in order to save up for a dream trip - around the world.
What do you think about these ways to save money?
On what only Europeans do not save. If the owners of the house do not have a faucet in the bathroom (hot and cold water flows from two different taps), and a cork is permanently fixed in the sink, then with a high degree of probability it can be assumed that the house is located in the UK. By gaining stock in the sink, the British limit the flow rate, washing and rinsing the dishes in one volume, which saves water.
How do the Germans save? Surprised Russian tourists say that in German families they rub the dishes with detergents, but in order to save water, they do not wash off the chemicals, but wipe them dry with napkins, sometimes even using a damp towel instead of washing. Such stories are more like legends, but it is precisely such traditions of saving Europeans that characterize the country no less than tourist attractions.
In general, our compatriots are often skeptical about saving in German, which the inhabitants of Germany themselves consider the norm of life. We wonder how a wealthy family can never turn on the dishwasher until it is full. Therefore, they do not believe true stories about how the Germans:
Of course, not every German saves in this way, not everyone demonstrates extreme frugality, but every typical representative of German society thinks in terms of economic expediency.
And often even the average - not extreme - level of savings, which is demonstrated by the inhabitants of Germany in Everyday life, to a typical Russian it seems prohibitive. Therefore, the saying “Saved means earned” or the slogan “Greed is cool!” sounds quite acceptable in German advertising and does not take root well on Russian soil.
However, before dismissing other people's traditions, you need to take an interest in the motivation of behavior. So, for example, the foam that the people of Germany do not wash off after a shower contains moisturizing oils, so rinsing it off will become a double waste. And the composition of detergents that are washed off with a towel is neutral and safe when it enters the esophagus. By the way, this tradition of wiping dishes has spread beyond Germany. In England, for example, there is a saying: "Towel eats soap." Although most often in different European countries they save in different ways.
To determine the degree of German pragmatism, one should turn to statistics (a survey among 1000 German residents was conducted by the sociological institute Forsa):
Germans are generally considered the most thrifty among Europeans, as demonstrated by a study specially conducted for World Savings Day.
Some of the tips for saving resources and funds are universal, but in German society they are cultivated at the state level from TV screens.
One of the main goals of such economic policy- a comfortable old age with the ability to travel in comfort and enjoy life.
To do this, the Germans hire a financial consultant in advance, who helps to invest profitably.
In the course of tackling the massive task of saving, what many East Slavic guests would call "excesses" or greed happens. For example, guests who come to a burgher family with their wine and sweets may be surprised if their treat is hidden in the buffet, and cheap cookies appear on the table instead. But the Germans are not greedy. If need be, they will spare no expense to celebrate. Just the reason for this should be significant and serious.
As a lack of hospitality, restraint in relation to guests is also interpreted in a number of other Western European northern countries. A guest may be invited into the house and treated to tea, but "sweet", most likely, will not be offered. Therefore, before you go on a trip, it is better to find out how to save money in different countries.
The characteristic national methods of financial and economic tactics include:
A common way for all European countries to save money is the use of popular club cards, which give the right to a discount to members of the community.
In essence, this is a common discount card, the percentage of the discount on which the owner seeks to maximize, after which he prefers this particular store, cafe or restaurant when making purchases.
At the same time, the European middle class and “office plankton” will prefer “home-made package” with sandwiches to lunch in a cafe. This is also more profitable because Europeans stock up on food for a week or two in advance, choosing for purchases the peak periods of promotions held by supermarkets. To do this, they are not too lazy to go around several stores from those in which they make the most advantageous offers.
However, this rule does not apply to the French, who spend 25% of their annual income on food - more than on housing (20%), transport costs (18%), clothing (9%), healthcare (5%), entertainment ( 5%). The French choose bread, cheese, wine or fish carefully, so they look for these products in specialized stores. Lunch in restaurants is often replaced by a transition to coffee in a nearby bar.
Financial literacy in economically developed European countries is taught from childhood. Children are taught to save small amounts in piggy banks and not spend them on whims. Therefore, wise investment becomes a natural consequence of this daily policy. Companies with a century of history compete with each other for the right to advise the client on how to manage funds, insure credit risks.
Since Europe saves on everything, gifts also often have a purely utilitarian purpose or combine aesthetic and practical functions. In Sweden, for example, it is customary to present as a gift to children:
Parents receiving an allowance for a child up to 16 years of age in the amount of 100 euros deposit it in full on the child's account. At the same time, not Europeans are considered the most economical in the world, but Asians, who save up to 25% of their income. In Europe, this figure is estimated at an average of 15%. In the USA - 10%.
How to wash in an English bath
All this sometimes annoys, but most often touches. English plumbing delivers much more inconvenience, causing endless surprise among outsiders. It's hard to see how anyone can comfortably wash their face under two separate hot and cold taps. Well, at home you can still imagine that you are collecting water in the sink and splashing in it. But such a division in the washbasins at railway stations, in restaurants, hostels, in a word, in public places, is not at all clear: the desire to splash in this case disappears altogether.
Further more. The traditional English bathroom (and on a national scale they make up the vast majority, the changes affected mainly the capital's hotels) also has two separate taps and no shower. According to the idea of this amazing people, it is necessary to fill the bath with water, fill the foam, soak up, wash your hair and get out without washing anything off. At the same time, hotels in which such bathrooms are replaced by modern showers are less in demand among local residents, the advertising specifically stipulates that the room has a traditional bathroom.
Dishes in houses are washed in the same way - water is collected in the sink, as in a basin, washing liquid is added to it, and so, without washing, in soapy stains, the dishes are put in the dryer. The Russian (and the rest of the European world) way of washing dishes under running water causes a counter bewilderment of the British: “What an unreasonable waste of water!”. Sometimes it seems that the British live in a waterless desert, and not on a green island. By the way, students of one of the British universities once calculated that when using a shower, water is spent no more than when it is taken into the bathroom, but this did not make any impression on the public. The youth that you take from it is hot, unreasonable, but it passes.
It is interesting that at one time in the 19th century England was the leader in the production of washbasins, bathtubs and toilet bowls, but it seems that, preserving traditions, since then it has not gone far ahead. It's funny that even in those cases when faucets are installed to please foreigners, they, if not Italian or Finnish, manage not to mix water, and as a result, not warm, but hot-cold water comes out of one tap, so to speak, which both burns and cools different places at the same time. The bidet, as a vulgar novelty, did not take root at all: in the words of one English publicist, the British are still convinced that this is a device for washing socks.
Similar difficulties exist in England with toilet bowls. In private hotels and boarding houses, a long, detailed instruction usually hangs in the toilet next to the toilet bowl, explaining to the guest the rules for draining water. This drain system has not yet been forgotten in Russia, although it is outdated throughout the Western world: a hanging tank with a chain that, if you pull hard, remains in your hands. The instruction often ends with a wonderful phrase: "Only after the final return of the lever to its original position, you can try again." And such repetitions are not rare.
The French, the main opponents of the British, who have the courage to criticize the latter (other peoples prefer to remain silent so as not to get into trouble), believe that all this is done in order to create inconvenience for foreigners. The British themselves intuitively feel a deep connection between form and content: change one - the other will invariably change. The preservation of two faucets, a chain on the toilet bowl, the right steering wheel ultimately ensures their national integrity and protects national character traits in the context of total globalization.
By the way, there is one side of English life that cannot be passed over in silence and which, perhaps, will look rather contradictory against the background of the above criticism. These are public toilets, a phenomenon almost forgotten, unfortunately, by our compatriots. So, English has two features - there are a lot of them and they are clean. Everywhere: in public parks, on busy streets, in museums, at train stations, near major attractions, just in the centers of small towns - you can be calm: they are nearby.
Do not be surprised that late at night, for example, on the street of Shakespeare's Stratford, the lights of the establishment will be invitingly lit, which is not only open at such a late hour, but also snow-white and free. By the way, in England you can not open any institution Catering without a toilet equipped for visitors (which is logical; it is illogical to open numerous street pubs in Moscow without this). Toilets are available at all gas stations and large stores. And they work everywhere. The British generally have some concern about this. It seems that they visit the toilets much more often than other inhabitants of the planet. But for a wandering traveler, it is very convenient.
The Duke of Bedford, in his book How to Turn a Family Castle into a Palace Museum, devoted an entire chapter to the “toilet” topic: “I am often asked: how many Rembrandts do you need for a family home? Is a golden service required?
You don't need Rembrandts at all, and even less of a gold service.
Then what do you need first?
I can answer this question firmly, without the slightest hesitation: the first thing you need is good toilets, and in large quantities.
Gallery in a traditional English inn
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Every nation has its own specific ways of saving and saving money. The deferred percentage of income and ways to save are different. So, for example, Asians are the most economical, they save about 25% of their money, in Europe they save less - about 15%, and in America only 10%.
The most economical countries in Asia are:
In Europe, the most thrifty are:
Recently joined the economical countries and America.
All of these nations save on a wide variety of things such as utilities, clothes, cars and more.
In our article, we will tell you exactly how these countries save their money.
For example, the Japanese are among the most economical inhabitants of our planet. They save a quarter of their budget. Moreover, only women count the funds, since men in this country are the earners, and women distribute the budget.
First of all, they save on public services, for example on water. In their families, it is customary for the whole family to take one bath, that is, they bathe in turn one after another. Sometimes the remaining water is also used for washing clothes. The money saved by the Japanese is invested in securities or bank accounts.
The Japanese have even created innovative cost-saving programs. For example, we have developed a product that fills water with oxygen. This discovery saves water and energy.
The Vietnamese are very thrifty. Vietnam is one of the most economical countries in the region. About 77% of the Vietnamese regularly replenish the "stash". A distinctive feature of them is that they do not like to take risks. The Vietnamese prefer cash and keep their savings in gold bars or bank accounts for which they receive their interest.
60% of Vietnamese even try not to have fun outside the home.
Quite economical and Koreans. To save on heating, they simply set up tents in their rooms and warm themselves there. And the women of Korea have gone even further, they buy bright shirts for their husbands, which allows them to be washed less often and, accordingly, save powder.
The peoples of Europe are no less thrifty.
So, one of the most economical countries in Europe is Sweden. Such it has become due to exorbitant taxes and very high prices for utilities. The Swedes pay one of the largest taxes in the world - about 60%, they give about 20% for services, in return they receive free education.
These people have to save on almost everything. In Sweden, people wash their clothes in one common washing machine, which is in every house, in order to save on water. They also take things very seriously. They not only try to buy them on sales, but even after the item is no longer needed, they manage to sell it.
Moreover, in the customs of the Swedes to make quite practical gifts in the form of valuable papers and save money for children. This account is opened from the very early childhood of the child, and therefore, reaching the age of majority, the child receives a tidy sum.
The Swedes also have another account, a pension one. It is opened after forty years and part of the funds is put aside there in order to receive several pensions at once in old age. In our country, you have to learn how to save a little.
The Germans are no less economical. In Germany, it is customary to set aside about 10-15% of earnings for a rainy day. It may be a contribution to investment fund, pension fund, highly liquid shares, steadily growing in price.
The Germans usually have a lot of loans, and therefore they save on everything. They buy things on sales, and far from brands. Then these things are donated to charitable foundations. The Germans also save on utilities. Wash only at night, because the rates are lower. Lawns are watered exclusively from a watering can, with rainwater, which is collected in barrels in the yard.
In order not to spend money on heating, they try to dress as warmly as possible. In food, they are also quite unpretentious and spend little on it.
Pretty economical and the French. Like many Europeans, they save on clothes and wear only on sales. To buy things with a discount of about 80%, they can even take a day off from work. Moreover, the French do not like to spend money on gifts and often just give away their own or even sell them.
Also, the French were among the first to come up with a ride for fellow travelers for money. For this purpose, they even create special sites where they offer their services.
The experience of the Americans is also interesting. In this country, each person has a bunch of loans that are very difficult to pay. Therefore, Americans save on cars, one car is enough for them for 10 years. Also, Americans are unpretentious in clothes and do not spend a lot of money on it.
Often they rent out their rooms to students and constantly use coupons for discounts. With the birth of a child, a special bank account is opened, which subsequently pays for his education.
And most importantly, Americans always and in everything rely only on themselves, and therefore invest money not only in state funds.
It is interesting to save and the inhabitants of Egypt. They build houses without a roof, because the state does not recognize them as completed and does not collect taxes from them. In Australia, they save on ironing things. In this country, the shirt is hung on a hanger and sent to the shower. While a person is bathing, a shirt hanging nearby is steamed. Also, Australians use reusable bags, not plastic.
It is customary to draw a typical European in the head as a wealthy, well-fed and well-fed person who does not deny himself the pleasure of having dinner on the terrace of a Michelin-starred restaurant with wine or going on a weekend in Paris. But even if you leave all the listed characteristics in place, they will not dismiss the fact that the Europeans are still money savers. Of course, this applies to the younger generation to a greater extent than to middle-class adults, but everyone has their own frugal habits. In different countries, these "economical" tricks differ, but still a common link in them can be found and, perhaps, something to take note of.
In each European country there is such a thing as an economy class supermarket - a store where the cheapest types of a basic grocery basket are collected and where special promotions to buy two or more items at a lower price. In addition, in Europe, no one considers it shameful to walk four or five instead of one store, buying toilet paper at a discount in one, fresh vegetables in another, two bottles of wine for the price of one in the third, homemade olives and feta at the fourth. weight.
Mar 21 2017 at 1:42 PDT
Those who have ever flown to Italy, Greece or Spain in winter have discovered for themselves the very main disadvantage that “summer” travelers have no idea about: in these beautiful houses with balconies planted with flowering plants, it is terribly cold in winter, and warming up the room is an extremely costly task. Many apartments in southern Europe simply do not have central heating, but there are electric heaters that turn on punctually - only for the time when the owner or hostess is at home, so that the amount in the bills for electricity does not go beyond the limits of decency. Savings on payments affect their lifestyle: many people prefer to leave home as soon as possible in the morning so as not to turn on the heater, buy warm pajamas and blankets, use a minimum of household appliances, and still do not really like guests who take a bath for 40 minutes, because water heating often also comes from an electric boiler...
Jan 21 2017 at 12:48 PST
On clothes
With all the variety of all kinds of shops on the central European streets - from eminent boutiques to an affordable mass market - small shops are in favor with young people, which are united by the concept of a "humane" sales policy. It can be like second-hand, which gives Europeans the feeling that they do not encourage capitalism and the exploitation of workers in poor countries, at least at the stage of buying clothes (and by the way, in Amsterdam, for example, you will be surprised to find that second-hand clothes even more expensive than in regular stores), as well as a tiny shop of local designers or a local market like those that are now gaining popularity in Moscow.
Apr 27, 2017 at 03:42 PDT
On cars
Savings begin already at the stage of choosing a car, because the more compact the car is, the easier it will be to park it in the city center, and the less it will have Horse power, the lower will be annual tax to own it. It's no secret that a car in Europe is more of a luxury than a necessity, although we Russians are shocked by this, because a good used car costs almost half as much there as we do. But the trick is that after the purchase, you can easily "catch up" with the difference in price by using the car: for example, paying 4 euros per hour for parking, changing the oil in a car repair shop for 150 euros, or shelling out for speeding fines.
Apr 15 2017 at 4:24 PDT
On holidays
The tradition of booking a huge hall with columns for the celebration, ordering food and drinks for all guests and organizing a special entertainment program is a purely Russian phenomenon, which Robbie Williams boldly sang in his latest video Party Like Russian. Europeans, the closer to the north, the more modestly treat any holiday - be it even a wedding, even a birthday. The latter, in principle, often turns into a kind of ordinary friendly meeting: gifts are given only by close friends, and all other guests bring their own snacks and pay for alcohol on their own.
Apr 15, 2017 at 9:07 AM PDT
On transport
The impetus for saving on transport, despite all the romanticization of cycling culture, is still not least the cost of a ticket: from 1.5 euros to Eastern Europe up to almost 5 euros in some Sweden for one metro ride. Travel and youth storage cards are cheaper, but can still easily cost 50–70 euros per month, depending on the country. Bicycle is the real salvation in this case - your own autonomous mode of transport that costs nothing. Although the word “nothing” would be worth explaining: for example, in Paris, a fine for drunk driving a bike is equal to a fine for drunk driving, and in Barcelona, if you are caught for driving a red light and with music in your headphones, you will easily be obliged to give 250 euros to the state for both violations.
Feb 17 2017 at 10:03 PST
On rental property
The popular series "Girls" ends with a very real scenario in Europe today: the heroines decide to raise the child of one of them together as friends who have actually turned into a family. Russian deputies will have their own opinion in this case, but no matter how outraged traditionalist conservatives and ordinary critics of Europe are, in many countries what can be loosely described as “hipster communism” has long been flourishing - young people and girls do not seek to remove themselves separate housing, but deliberately live with neighbors and, instead of complaining about the lack of personal space at the age of 35, they sincerely get high from the fact that they arrange dinners and parties with cohabitants, share the cost of a communal apartment with them and leave their pets to them when they leave for weekend in Berlin.
Apr 29 2017 at 11:03 PDT
