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 How to learn to save?

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  How to learn to save? Rich is not the one who has a lot of money, but the one who lacks them. How often do people who earn very good money, turn to friends and to catch some money before payday. And other people who earn a fraction, managed to arrange a high quality holiday, make expensive purchases, and thus eat well and dress beautifully. Why is this happening? It is very simple: first do not know how to save.

"The economy must be economical," - said the unforgettable Leonid Brezhnev. But the saving must also be smart not to make their lives miserable and gray existence, putting off all his earnings on the mythical "black day", which turns on the fact of all life. So, the important thing is that we need to understand, learning savings - savings should improve the quality of your life, rather than reduce it. Simply put: we must abandon unnecessary for the right, but you can not waive the right for the sake of "black day" or "bright future" or "funeral".

I offer you 10 simple rules that will correctly save 11,111,141. . Of course, the proposed rules is not a dogma, but only a hint and information for consideration. Something you can add yourself, something that may be irrelevant to you. The comments to this article, you can tell about your own ways to save, on your achievements in this area, and the difficulties encountered. So ...

10 Commandments savings
  1. Avoid impulse purchases. Buy only what is outlined in advance. Love for impulsive purchases not only empties your wallet, your home cluttered with unnecessary things, but can lead to mental disorders, referred to as "Shopogolizm.

 2. Не покупайте широко разрекламированные товары и услуги. Реклама always included in price. Buy on the recommendation of friends who enjoy interesting for your goods and services. Friends do not need you "vpendyurit" junk, they will give you more or less objective assessment of quality. Remember that imported, contrary to popular opinion, is not always better than domestic. Many domestic goods cheaper and more reliable import, although often not look so spectacular.

 3. Ведите финансовый учёт и финансовое планирование. Записывайте ежедневно, на что ушли деньги и откуда пришли. На что, когда и сколько вы собираетесь их потратить. Какие расходы могут возникнуть и откуда вы возьмёте деньги в случае их возникновения. Финансовый учёт disciplines. Sometimes, you can opt out of thoughtless purchase just because you will be uncomfortable or lazy enter it in your report. The report, by the way, can help you keep your computer: there are 11,111,114. many programs
financial accounting, including free. For example, "Home Bookkeeping Light". If you have a PDA, you can keep track of literally on the spot. And yet, thanks to financial accounting, you can get a useful habit to save receipts. It can bring you additional savings at the expense of free replacement of defective goods (this can be done only if the check).

  4. Set aside some money for long-term goals. Do not lay up for just a rainy day. " Money should work for you, not vice versa. Spread the financial burden for the necessary purchases so that it was not burdensome for your budget. And let your savings do not lie dead load under the mattress, and generate additional income. In the form of interest in the bank or income from securities.

 5. Не берите товары и услуги в кредит. Вроде бы эффект тот же, что и от накопления – большую покупку вы оплачиваете по частям. Но если при накоплении вы получаете дополнительный доход, то при покупке в кредит you will receive an additional loss. And sometimes quite substantial! And the fact that you start to use the product or service before collect the required sum, in my opinion, even worse from the standpoint of education financial discipline. You provotsiruete itself on impulsive buying, while the accumulation gives you extra time to reflect on the need for the planned acquisition. Besides, when it comes to technology, then, until you collect the money thing can significantly cheaper or new, better model for the same money. The only exception to this rule - the case where the purchased goods or service will bring you profit. In this case, you correctly calculate your benefit: income must be less than interest payments on the loan.

 6. Мораторий на любые крупные расходы в день зарплаты. В день получения дохода многие из нас находятся в состоянии финансовой эйфории. Кажется, что денег очень много, можно всё себе позволить, пошиковать, покутить, пошвыряться деньгами направо и налево. Это чисто психологический момент. Нужно просто запретить себе любые траты в день зарплаты. Так вы защититесь от импульсивных покупок and save your money.

For Russia, the fairly simple rule: spend a day as many rubles, how many dollars you earn in a month. Then you have enough income for the whole month, and not only in the first week.

 7. Обналичивайте пластик. Электронные деньги running out quickly - they are not so sorry, It's pure psychology, they are not perceived as money. In addition, you avoid the inconvenience of searching for ATM (plastic shall not everywhere), and save on interest for cashing in foreign ATMs.

 8. Оптимизируйте тарифы. Давно ли вы изменяли свой тариф за интернет For мобильный телефон, за коммунальные услуги ? Rates are updated on the property appear more attractive, which retailers attract new customers. However, for obvious reasons, they have been reluctant to inform about the new tariffs old customers, who pay regularly on the old. So in your best interest to monitor the emergence of new tariffs and periodically update them.

  9. Wear a calculator and a spring balance when visiting food markets. If you prefer a food market supermarket, you are doing the right thing. The shops are almost always inflated prices and there is no opportunity to bargain. In addition, merchandisers in the stores are doing everything to make you commit impulsive purchases - this is their bread. However, it is no secret that the markets you may shortchange, and give short weight. So wear spring balance and a calculator and do not hesitate to check, and in case of inconsistency - require.

  10. Do not let the stupid people in debt, invest in a better explanatory. Often people give away their money into debt simply because they do not know how to firmly say "no". They want to all look good than skillfully use charlatans of all stripes. My mother was an employee at work who managed to borrow virtually all and few returned. Why do you need to encourage dependency for their blood? Do not give a beggar a fish giving a rod. If you have such an opportunity, better let the man needs to earn. Donate it only hurt because it will adopt its way of life for free, which sooner or later inevitably lead him to ruin. It is better to invest in those who are able to earn in the future, and repay a hundredfold. In your children, for example. In the monolingual pupils, standing friends. And to see their investments is an investment, not as a loan. This frees you from unnecessary agony "return-no return".