In order to raise a sufficiently large amount of funds, you first need to figure out what you are spending the money that you yourself earn. In addition, you should decide on those expenses that you can refuse and which you cannot. To accumulate money, you will have to save constantly, from each income. If you don’t start putting it off, you won’t be able to collect anything.
As practice shows, each person has the opportunity to give about 10-15% of his income for savings. If you need to raise a fairly large amount, you will have to save about 30% of your income. And with a sufficiently high income - up to 50% of the earned funds.
Saving money is just a way to forego some purchases today in order to afford large enough spending up to the purchase of your own property. The ability to spend money wisely also allows a person to significantly improve their own financial situation. If you are used to spending everything you earn and cannot save money at home, then it makes sense to use banking services. You can also withdraw money from your account at any time, but this is fraught with interest loss. Yes, and money on deposit is not the same as money in a wallet, which you can just get out of there and spend.
A teenager can also raise money for a big purchase. For example, an expensive mobile phone or a tourist trip with a class. He, however, will have to clearly separate those expenses on which he can save: not updating his wardrobe for some time, reducing the cost of lunches at school due to the fact that he will cook for himself at home. Besides, in Russian Federation teenagers from the age of 14, with the permission of their parents, can find a part-time job in their free time from study. If you calculate everything, you can understand how long it will take to collect money for the same iPhone. Parents, in turn, should encourage such aspirations of the child - in adulthood, he will also be careful with money.
If you're looking to buy a new car, but aren't considering getting it from the bank (which certainly doesn't help you save money, though it does give you the chance to get what you want here and now), first decide how much you need. This will allow you to understand how much money you have to save monthly to afford a car in six months, a year or a couple of years.
For example, you plan to purchase a Ford, the cost of which is about 500-600 thousand rubles. Today you have half the required amount (or you plan to sell an old car for 300 thousand). In addition, the family has certain savings in the amount of 100 thousand rubles. That is, you still have to accumulate another 100-200 thousand. The only thing left is the question of urgency. For example, in order to save the required amount in 6 months, you need to save from 17 to 34 thousand rubles every month. For a year - from 8.5 to 17 thousand rubles.
Saving money is just a way to forego some purchases today in order to afford large enough spending up to the purchase of your own property. The ability to spend money wisely also allows a person to significantly improve their own financial situation.
It is difficult to give any advice on whether it is worth denying everything to yourself for several years in order to accumulate a significant amount of funds. However bank loans- not an option, since overpayments for them are much more significant. Should I save money for a deposit? Many banks offer conditions that do not even always cover inflation. However, investing is not for everyone either. You just need to choose your own way of accumulating funds, which will be really convenient for you. It will also be possible to accumulate a lot of money if you already have a sufficient reserve stock that you can put on a deposit, live on interest from it and give all your earnings to accumulation.
Try to immediately remove from your expense items those that you need very secondary. Unjustified spending today is just denying yourself a big purchase tomorrow. Learn to save, and you yourself will soon see how many expenses you previously made in vain and how much you don’t really need.
Teach yourself to dine at home (not to spend money on snacks in a cafe), buy groceries in supermarkets or wholesale stores where prices are an order of magnitude cheaper than market prices, refuse to buy clothes that are too expensive (they are just clothes), use various flea markets if any goods can be bought in good condition, but used.
Never buy anything impulsively. As a rule, things acquired spontaneously, then turn out to be completely unnecessary to us.
To save money, you need to learn how to control your spending. The easiest way to save money is to do it as soon as you receive it. wages or any other type of income. Determine what percentage you will save and deduct them systematically. You can do this with the help of autopayment: the bank itself, when accruing funds, some percentage of them will automatically be transferred to the savings account.
The second way to save money is to find ways to make more money or get additional income to the main one. The main thing is to see how much you need monthly and focus on it.
Advice from Sravni.ru: Be guided in spending only by your own common sense. Learn to respect yourself and your income: don't blow money down the drain. We live in a consumer world. Most of the products people spend money on don't really need them. Try it and you will see for yourself.
Perhaps the answer will surprise you unpleasantly: immediately, when a stable income appears. The first own money is a great temptation. They want to spend on entertainment, clothes, new gadgets - in a word, on everything. Alas, life puts everything in its place: sooner or later we understand that it would be nice to have an emergency reserve that will help out in difficult times.
Going to zero, living from paycheck to paycheck, and even more so getting into loans, is not the most successful money management model. If you have managed your funds this way so far, you are probably lucky not to run into serious problems when money is needed here and now. There is no guarantee that good luck will accompany you in the future.
Set aside 10-15% of your next salary - this money will become the basis of your financial airbag.
They must not be touched under any circumstances. Continue to save until you have accumulated an amount equal to your salary for at least three months, and preferably six months. Done, now you have a reserve for a rainy day, but this does not mean that you can forget about savings and go wild.
The money that you manage to set aside in excess of the amount needed for peace of mind can be used to achieve various goals. For example, large purchases, repairs or a trip on vacation. You can't use emergency funds for this. There is nothing worse than being without money at the right time.
If you have a decent salary, but you can’t save, it’s time to figure out what the problem is.
1. Analyze your expenses. Maybe you are unable to refuse regular trips with friends to a bar, are prone to impulsive purchases, or simply do not consider it necessary to find the best deal on the market before major purchases? Be extremely honest, there is no point in deceiving yourself. If you are using mobile application bank, it will tell you where the money goes.
2. Make a budget for the month. Immediately after you receive your salary, send part of the money to the formation of an airbag, then pay all the bills. The remaining amount is what you have to live on until the next paycheck. Divide it into equal parts, the number of which is equal to the number of weeks until the next receipt of money. Just a month of life under such a system will help you understand what expenses should be optimized.
3. Spread large expenses over time. Several large purchases at once within one month will surely undermine your budget. Tip for the future: when it comes to seasonal purchases (for example, clothing or goods for leisure and sports), do not ignore sales, they will help you save a lot.
4. Use credit cards wisely. Credit cards are very useful if handled correctly. Learn the terms: how long does it take interest free period, what kind profitable offer the bank has it - maybe when paying with a credit card you will receive an increased cashback. Get a bunch of credit and debit cards: pay with a credit card with an increased cashback and immediately transfer an amount equal to the amount spent from the debit card to it.
5. Any unplanned income should be sent to the piggy bank. Let's say you have a salary increase - set aside the same 10-15%, but from your current income.
It is better to handle the financial airbag with extreme care. It should always be at your fingertips: the dark times will not notify you of their approach.
The most obvious way to hold funds is a bank deposit, savings account or debit card with interest on the balance.
By receiving interest on a deposit or account, you offset the effect of inflation on your savings. It must be remembered that bank deposits are insured for the amount of 1.4 million rubles, including accrued interest. If you suddenly accumulated more - do not keep money in one bank.
If you have already formed your reserve capital, further savings can be invested to earn some money. It is important to decide how much risk you are willing to take. As a rule, the higher the risk, the higher the potential return, and vice versa. You can invest on your own by opening an account with a broker, or trust professionals, for example, purchase a share investment fund. Now financial market offers many options, including for novice investors with small starting amounts.
Main rules for independent investors:
In theory, any sane person understands that savings are simply necessary for a quiet life. In practice, not everyone succeeds in creating a reserve of money for a rainy day: someone cannot put things in order in monthly expenses, someone has no idea how to properly store the accumulated funds.
On November 1, the next lecture from the cycle "Financial Environment" will take place. Its theme is "Savings: why do we need it, how to create it and where to store it." Financial advisor, expert in financial literacy and CEO consulting company "Personal Advisor" Natalya Smirnova will conduct an educational program on the topic of savings and tell you how to get financial independence and manage savings wisely. This is the last event of the first series of lectures, the next series will begin in February 2018.
The lecture will be held at the Biblio-Laboratory at the Winzavod (Moscow, 4th Syromyatnichesky lane, 1, building 6, entrance 4). Admission is free, but places are limited. Follow the link below and register in advance.
In theory, the process of accumulating money is simple - to put aside some part of wages or other income at home in a shoe box or in a bank deposit account at interest. Everything is simple. The main thing is not to touch the accumulated funds, and after a while an impressive amount will be collected.
But in practice the situation looks different. Some cannot put aside some part of their salary, because there is always not enough money. Others have constantly unforeseen expenses, as a result of which the stash is quickly empty. Yes, and there are many temptations when a person knows that he has money that is at home.
Probably everyone understands that the airbag is important. It will help to hold out for a while if a difficult life situation happens. Alas, no one is immune from the unexpected loss of a job, illness, etc. Material problems always arise unexpectedly. This is where the accumulated will come in handy.
Practice shows that an airbag is really needed. If a person loses his job, then you can relatively slowly look for a new one and live on the deferred funds. When there is no money for existence, many people grab any vacancy, sometimes the conditions of it leave much to be desired.
We will talk about the ways to accumulate funds shared by Robert Kiyosaki, a dollar millionaire.
This method is used in relation to the cash that is in the wallet. The technique is simple - every evening you need to count the money in your wallet and reset it to a round sum - the rest is stored in a box, they forget about it.
For example, in your wallet in the evening 2459 rubles. You can reset up to 2400 rubles and put 59 in a box. It's better to fold cash in a piggy bank that cannot be opened.
You can take a shoe box, wrap it with adhesive tape on all sides, and then make a small slot for money. Then set a deadline for yourself, for example, you will save 2 months, and after this time you will open your “bank”. You will be surprised, but in the box there will be a nice amount that has accumulated without unnecessary stress.
This option can be attributed to psychological methods, since the cash that is in your wallet, you hold it in your hands, is more difficult to give than "mythical funds" on plastic card. Agree that it is psychologically more difficult to buy bed linen for 2-3 thousand rubles in cash than to pay by bank transfer.
Popularly, this option is called the “taxi driver method”, when a person receives payment in banknotes of various denominations, and regularly sets aside banknotes of a specific denomination. Many taxi drivers put aside bills or coins of 10 rubles in a separate container. It also requires a "bank", which is not easy to open.
This method is not suitable for everyone related to economic situation in RF. The bottom line is this - you need to agree with your employer so that wages are paid less frequently. And this is suitable for those who receive a salary every day or every 7-10 days.
It’s more of a psychological moment, since getting 40 thousand rubles at a time is one amount, and 40 thousand rubles a month every day a little bit is another.
Each of us has acquaintances who receive daily or weekly wages, and it is 2 or more times yours. And it is interesting that such people constantly do not have money, they go to no one knows where.
In such a situation, an attempt to accumulate an impressive amount will not give a positive result, and the reasons for this are as follows:
That's why best option savings - save every day 5-15% of earnings.
Almost all banking organizations have such a function. It involves the automatic transfer of a certain percentage of the funds in the account to a separate deposit. You can make deductions from all financial transactions, from the main source of income or part-time work.
A piggy bank is also a deposit on which the bank accrues interest. You can set the function for 12 months and forget about it. In a year, the account will have an impressive amount.
A significant item of expenditure is products, it is on them that a lot of money is spent. Saving on quality, and putting aside unspent funds, is a dubious way - health is much more expensive.
Robert Kiyosaki shared a good option. So, it is recommended to make a purchase 1 or 2 times a week. At the same time, products, household items and other things are purchased for the week ahead. After the purchase, you can not go to the store. The less frequently you open your wallet, the more you save.
Almost all of us face temptations in the store. It seems that they went to buy only bread, and at the exit from the store there was a heavy bag in which a delicious sausage, a bottle of water, chips, crackers, etc., which could have been dispensed with.
Getting paid is a pleasant moment that relaxes. It seems that you have an impressive amount on hand, you can treat yourself to clothes, delicious food or go to a club / restaurant with friends. But this is an illusion, leading to unnecessary spending. Therefore, on payday it is better not to spend money at all, to declare a “quarantine”.
What methods of saving money do you know and use successfully? Share your ways in the comments!
Do you think that you can save a significant amount of money only with large incomes?
This is not entirely true.
If you properly manage your financial income, you can fulfill your dream and ensure material independence even with a very modest salary. To do this, you need to seriously approach the problem of accumulation.
There are five effective ways to save money.
The first way is to entrust this business to the bank.
It can be noted that large bills (5 thousand or even 1 thousand rubles) stay in our wallet longer. However, it is worth exchanging it, as the money immediately diverges. The same happens with those finances that, for one reason or another, are inconvenient to spend. Such a situation can be created artificially. Currently, banks offer their services for accumulation. Just a certain part of the salary will be automatically transferred from the main card to another account. Thus, in a year you can save a little. And it will happen almost painlessly and imperceptibly.
The second way is to save money, but without saving.
Some people, for the purpose of saving, begin to limit themselves in everything from buying large things to food. Such excessive saving leads to a negative attitude towards accumulated savings. In fact, you can save money without limiting yourself in something. It is recommended that you simply keep 5 to 10 percent of your salary every month. These deductions will not affect the standard of living in any way, but will allow you to save some money by the end of the year.
The third way is to open a bank account.
All of us in childhood were extremely sorry to break a beautiful piggy bank, after it was filled to the brim. Now such a piggy bank is being replaced by adults Special offers from banks that not only store money, but also give out pleasant bonuses in the form of accumulated interest at the end of the term. This method of accumulation is convenient in that it can be replenished without the possibility of early withdrawal.
The fourth way is to define the goal.
It will be much easier for us to save money when we save for something specific. Decide what you need most (car, repair, trip) and start saving. It is advisable to remind yourself of the goal more often, for example, by looking at car magazines or travel agency catalogs.
The fifth way is to make a financial plan.
This plan is usually drawn up for several years at once, for which you need to break large goals into several small ones. There is no way to buy a car right away? To get started, save up for the down payment on the loan so that the monthly payments are not so high.
Konstantin Mokanov
In the article we will consider the intricacies of accumulating money. In it I will share tips and secrets on how to save money quickly for an apartment or a car. Information is useful in life, but first, let's get acquainted with the main idea.
According to experts, in order to save a certain amount, you need to save money, make lists of upcoming purchases and take a number of other measures. In fact, such an approach brings one closer to poverty, and it is impossible to achieve the cherished goal without a new source of income.
The ideal option is when income exceeds expenses. At the same time, neither impulse purchases, nor habits with whims, nor the lack of the ability to save will be able to prevent the accumulation of money. No wonder, since the income is enough to meet the needs and accumulate extra money.
Budget planning and saving tools help in life. But often such techniques demotivate and drive into a dead corner. As a result financial situation aggravated.
I present 10 tips with which to save money quickly, but I warn you, without looking for additional sources of income, they do not work.
Here are some simple and effective tips for saving money. Set a goal and move on. But there are many situations in life that are out of our control. Such situations are considered force majeure, and not a pattern.
Some people think money is trash. However, the role of money in life is decisive, this is a fact. It is believed that only independent cells of society are provided with sufficient money. I do not agree with this, as teenagers also have requests.
Teenagers get more pleasure for less money than adults. Each of us was once a teenager and dreamed of buying some little thing. Over the years, the priorities of young people have changed, but this does not change the essence of the matter. Therefore, I offer a number of tips that will help a teenager save money.
Video tips
Agree, in the execution of the above points there is nothing complicated and supernatural. This scheme works. The term for achieving the goal depends on the desire, income, expenses and the amount that you plan to collect.
Not everyone likes to live paycheck to paycheck. Only a person who has a stash can afford a large purchase or vacation abroad. This will require the ability to collect money.
After reading the material on the accumulation of funds, you will master this art. As a result, you do not have to run from one bank to another in search of a profitable consumer loan.
Do not think that it is impossible to cope with the task. In reality, the opposite is true. Set a goal and systematically go to it. Remember, the key to success is understanding where the money goes. Before reducing costs, consider whether giving up this or that thing will damage your life. Useless spending moves away from the result, but you should not give up everything.
Not every young man was endowed with living space or the inheritance of a wealthy grandfather. For young families, buying a home is a priority life goal. Do not think that it is unrealistic for a young family to purchase housing.
The cost of a one-room apartment in Russia is several million rubles. Even if you set aside twenty thousand a month, you will have to wait at least fifteen years for the cherished moment. This is provided that housing does not rise in price. There is a mortgage loan, but this is not an option.
Let's imagine that the family will increase. As a result, a one-room apartment will not be enough, and the maintenance of the child will not allow you to save a lot. Don't forget about financial crises and voracious inflation. As a result, the old-fashioned method of accumulating funds is ineffective.
Video instructions
Personal transport is not a luxury, but a necessity. The cost of a good car is in the hundreds of thousands. It is not surprising that not everyone can afford the purchase of such a vehicle.
If there is a desire, it is possible to achieve the goal. With the support of your loved ones and your creative approach, move forward. A little time will pass, and a good car will appear in the garage.
If you don’t want to collect money for a car for years, use a car loan. So almost instantly become the owner of an iron horse. Only in this case the above recommendations are useless.
The knowledge gained in the article is enough to become an expert in the field of accumulating funds. However, it is useful to read the material on the negative ways of accumulation.
That ended the article in which I presented tips for the rapid accumulation of money. Even if there are no savings, they will help correct the situation. Remember, there have been cases in the world when a person from poverty climbed the highest level, having no innate talents and hidden skills. He just wanted to live differently.
