How to save and save money - TOP-62 advice, how to learn how to save money and save with a small salary

Hello, dear readers of the site RichPro.ru! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.

We all strive for a good life, and each of us would like to make our life even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.

Unfortunately, in our modern world, you need to learn not only how to make money, but also how to save it and how to distribute it.

Today we consider various receptions how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.

To improve your financial situation (learn to save and save money), you just need to follow the simplest rules, and then you will not have financial problems! Remember: money comes to someone who knows how to handle it properly!

If you are already faced with a situation where you urgently needed money, we recommend reading the article - "Where to get money right now."

So, from this article you will learn:

• Do I need to save on food, electricity, etc .;
• How to save electricity;
• How to save on products;
• How to learn to save money and save with a small salary - proven ways;
• How to accumulate a decent amount;
• National signs about money.

1. Saving the family budget - must become an important financial habit

The first thing to remember:savings -this is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, cleverly and right monitor and share your expenses, refuse from harmful to the body food and habits.

Very often, at first glance, we get petty, but constant expenses that seem “trivial” to us, but actually create good holes for us in our budget.

To learn how to correctly and correctly save, you need patience and work on yourself. But then you will understand what unnecessary costs are, and perhaps learn how to invest profitably and earn money on it. If you want to know how you can make money, then our article "How to make money - TOP-45 ways to make money" is to help you.

Saving - this does not mean that you have to deny yourself everything, there are bad products, and in general it’s bad to live. To save means to distribute your money correctly in order to avoid unnecessary costs, to rationally distribute money and not spend it on trifles. Also in this article you will learn how to accumulate money using specialist techniques.

First you need motivation, that is, the goal: why do you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment? (In a separate article, we already wrote about how to save up for an apartment with a small salary). Or do you need a good repair in the apartment?

A few steps to learn how to save and save money correctly

To understand how to start saving, you need to consider several steps.

Namely:

1. you need to divide all the costs into necessary and Not really necessary, that is, superfluous or those that can wait;
2. then we consider the resources for which you must pay, and this:electricity, water, gas, communication, etc.;
3. then you need to calculate the cost of products, and also pay attention to your diet;
4. we set aside the percentage of money saved so that they just do not lie, but also work.

Even if you try to put off some 10 % (percent) of your monthly income, then for six months or a year you will accumulate an impressive amount.

And once again we repeat the rule: you do not need to perceive savings as a limitation or a bad lifestyle. On the contrary, it will help to significantly improve your life.

Remember: you don’t have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk in cast-offs. To save it all does not apply!

2. Do I need to save on food and electricity?

Saving on food (products) - this does not mean sitting hungry, and saving on electricity - does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and unnecessary ones are removed.

Food expenses - these are the costs that we can affect, because it depends on our desire and on our choice.

You need to figure out in which stores we buy products, by what criteria we choose these products and in what quantity.

Usually extra expenses appear due to us not right diet, the use of harmful semi-finished products, off-list purchases, reluctance to cook food ourselves.

This also applies to electricity: if everything is done correctly, there will be no financial problems.

Ways to learn how to save money on electricity

3. How to save electricity - 5 simple rules for saving on electricity

let's consider 5 simple rulesthanks to which you will learn how to save energy.

Rule 1. Properly use electrical appliances

for example, charging for a phone or tablet, inserted into the socket for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or just forget to unplug it. It would seem a trifle, but our electricity is wasted.

This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV and so on.

This is one of the first important rules on how you can save energy.

Rule 2. It is important to use the right cookware for the electric stove.

More precisely, for the burner. After all, a correctly selected exactly sized pan will heat up faster, and the stove will not just heat the air. It's simple, isn't it? Probably every mistress has frying pans at home, both large and small. The main thing is to use them correctly! In this way, you can significantly save electricity.

Read on!

Rule 3. You need to know where to correctly put the refrigerator

Do not believe it, but the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is put incorrectly. Remember: the refrigerator will less "wind" electricity if it is placed away from the electric stove.

Of course, not everyone has large and spacious kitchens, but you can probably place a refrigerator so that it is not even on the same side as the stove and does not touch it.

Rule 4. You need to load the washing machine correctly

On the whole 10 - 15 Our washing machine consumes more percent of electricity if it is rebooted or not loaded. Did not know? So remember! It is imperative to monitor the weight of the laundry! You will also be insured against damage to the washing machine in case of overload.

Rule 5. Turn off electrical appliances at night

Many electrical appliances must be turned off from the wall outlet at night and even during the day when you do not use them and even more so when you are not at home. This is not so difficult: if you leave home - turn it off, why should they work in vain.

Only 5 These rules will help you save energy in your apartment. Not difficult, right?

Here are a few tips for saving on electricity:

• If you decide to purchase any kind of household appliances, then pay attention to its power consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future this amount will pay off due to savings. And how much is the overpayment for the year!
• A very good and useful habit -turn off the lightleaving the room. But, unfortunately, not everyone is given this and many people simply forget about it. In this case, you can purchase infrared sensors that can save electricity without your participation and unnecessary movements.
• Better use energy-saving light bulbsthan ordinary. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
• Use a thermos it is more profitable than boiling the kettle several times, because a thermos can retain heat for several hours.

If you follow these useful, and most importantly simple tips and tricks, you yourself will see changes in your receipts, and then in your wallet.

10 tips on how to save on food

4. How to save on products 🥗🍓 - 10 expert tips

Let's consider in the article 10 Tips for saving money on food:

Tip 1. Experts believe that it is not necessary to choose a product according to its beautiful packaging, and the more expensive, the better, but you must first familiarize yourself with its composition. The high price does not guarantee high quality. Also pay attention to stocks, discounts, and bonuses. Many supermarkets offer us such programs.

It’s clear that at first glance it may seem that the difference in5 rubles insignificant and you will not save much on this. But this is an erroneous opinion of most people, because if you calculate the difference even in a month, you will be pleasantly surprised. And imagine how much savings per year?

Tip 2. Writing a list of the most necessary products and follow it. We buy only those products that are on the list. So you avoid unplanned expenses. There are also all kinds of applications for the phone, and with them you can save not only your money, but also time. All your information will be stored there, and you will not need to constantly think about these lists.

Tip 3. It is important to take as much money with you as you need.but no more. Then you will be able to avoid unnecessary expenses. Take along a certain amount, calculate it so that you only have enough for the necessary products, and then you just won’t have anything to buy not planned goods. Thus, you can significantly save on products.

Tip 4. Did you know that a hungry person has a different brain than a well-fed one? So, in order to avoid temptations, you need to go to the store full! And then you will understand that you do not need all these “goodies” at all.

Tip 5. Try not to run to the store on payday. Indeed, on this day a person feels richer than he really is, and can spend a lot more money than he has calculated. This is where financial difficulties arise, nothing is enough for anything, and by the end of the month you can be left without a penny of money.

Tip 6. Experts believe that pay better in cashrather than plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it’s harder to part with them.

Tip 7. Analog products are the best way to save! Absolutely every product has a replacement for itself much cheaper than he. The main thing is to run around the shops, look and find this analogue. You need to learn how not to succumb to the temptations of marketers, because they will always find a way to "suck" you, something more expensive.

Tip 8. Remember! Expensive and beautifully packaged products will always catch your eye. Look better on the shelves below, "dig deeper" there, most likely you will find a similar product cheaper than what you saw, because expensive products will always be in sight.

Tip 9. The rule for similar products also applies to other products.for example drugs. Most drugs have analogues with the same healing properties, often they differ only in name and manufacturer.

Tip 10. If possible, do not take children to the store! Sure, children are happiness, and sometimes you want to pamper your baby, but after all, children rush to everything beautiful, and these products are often expensive. It’s better to leave the child at home, and buy him, for example, a cheaper chocolate bar - the child will have everything sweet for joy, and you will avoid tantrums in the store.

We eat healthy, and most importantly not expensive!

Remember, eating healthy foods doesn’t mean expensive, and you don’t have to starve to save. Quite the contrary, the cost of a healthy diet is even reduced.

Healthy food, eg cereals, dairy products, low-fat meat, cheaper than fast food. Moreover, it is not known what pies and hot dogs are made of in a stall around the corner or in a nearby cafe. And here you cook with your own hands, and you know everything about your homemade food.

Here are some more tips for buying healthy foods:

1. It is more profitable to purchase products by weight, rather than in the original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than by weight.
2. If you buy products in the market, do not forget to bargain! And there is nothing shameful about it. It is important for sellers to sell their goods, but it is profitable for you to buy.
3. It is better to come to the market in the late afternoon, at which time sellers significantly discount the price.
4. It is better to buy meat in a large piece, and at home already divided into the parts you need. At a price such meat comes out cheaper than if you bought it per kilogram.
5. If you have lunch at work, then take food with you. Once again we repeat that you eat your own cooked food, which means that automatically, you avoid food poisoning and save on this!
6. Try to make a menu a week in advance - this will help to purchase only the necessary products.
7. First courses are considered healthier than second courses, and even more economical and cheaper!
8. Compare prices at several stores. Do not be lazy, each store has its own chip and its promotions.
9. It’s not necessary to buy expensive meat, for example, pork, because you can also cook a lot of tasty and healthy dishes from chicken! Now on the Internet you can find a lot of recipes that suit you, and you do not have to sit and invent your own. The main thing is not to be lazy!
10. Yoghurts can be replaced with kefir and fermented baked milk. Yoghurts contain all kinds of thickeners, dyes and sugars. So why not replace them with a more gentle and cheap kefir for the body?
11. Pasteurized milk is much cheaper and more useful than sterilized. Milk is stored in a carton longer than milk in bags. And this is his only plus. So is it worth it to overpay?
12. Try to refuse sausage, it can be replaced with meat, it is both healthier and cheaper.
13. Buy fresh fruits and vegetables in season, then you can freeze them. All the nutrients will remain in them, and you will save a lot, since in the winter season they are much more expensive.

When you review your diet, and follow our advice, even at the end of the month you will see a difference. And the matter is not only in money, but also in health. After all, all famous nutritionists and doctors remove fatty, sweet and especially fast food from food.

Using these simple rules will help you significantly save on products, maintain your budget, as well as a healthy mind and shape!

Important tips for saving and saving money

5. How to learn how to save money and save with a small salary - 15 useful tips

To begin, we will look at the rules and ways to save money. And even if you have a small salary, then this is not scary!

There are some proven ways to learn how to save money and save money with a small salary. And what the dollar exchange rate is still doing with us, we think that we just need to follow the suggested advice. See also: “What will happen to the dollar?”

Tip number 1.Set financial priorities for yourself

After all, you must understand that your financial budget works only exclusively for you, and only your financial well-being can depend on you.

After all, waste can be done both with benefit and without it. But how, then, to understand how much our cost is useful? Let's get it right.

From a person’s lifestyle, his costs are also very dependent. for example, young people, often succumb to unnecessary temptation. It is clear that there is little life experience, but this can lead to financial errors. Young people who buy things themselves often stare at products that they probably do not need, but friends advised that the advertisement was either beautiful or the fashion went so ....

Spending is divided into three types - this is urgent, not urgent and not urgent at all. Try to make a list of those and those costs for yourself, and perhaps you will understand that you absolutely do not need, and that you can delete from the list.

Urgent waste - this is understandable, food, utilities, possibly clothes and if there are loans.

Not urgent - This is a family vacation, for example, it can be postponed, or contributions to study.

Well not urgent at all we are very familiar with everyone - these are restaurants, entertainment, buying a new phone, if there is still an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be postponed for a while, and if you revise it, you can and generally do not waste money on it.

The last point should be paid attention first. After all, it is important to set your life priorities, and understand your goals in life.

If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in studies, then it’s unlikely that you have save.

And also applies to entertainment and visiting establishments such as coffee, restaurants, because this is not the most important thing in life.

Tip number 2. We record income and expenses

All financially successful people keep such reports. Indeed, with a good example, you will see what exactly brings you holes in your budget. For example, it will be a trip to a cafe, monthly such visits do not eat a small amount of money, and you will understand for yourself that this can be removed.

After all, when you see all the exact figures of your budget, and not so, by the way of remembering, you will be surprised how much you used to spend without thinking.

As the very famous speaker Anthony Robbins said: "What cannot be measured, cannot be controlled". Remember this rule, and it will help you in achieving your personal material success.

If you still have additional income, then you need to keep records on them. After all, if there are several ways of your additional income, then accounting will help you find out which source of income is more profitable and which need more emphasis.

In general, now is the 21st century, and information technologies have developed various programs and applications, for financial accounting, which means that you don’t have to draw any tables by hand.

It is just necessary to try several programs, and choose the one that is closer to you, who will have a more convenient interface. Once again, visibility is financial literacy. Visibility will help identify and direct your expenses and income in the right direction.

Experts have shown that up to 95 percent Russians spend much more of their money on payday. And these percentages do not apply to income.

If you can increase your financial literacy, it will help you change your life in a radical way. And you will feel it.

Tip number 3. We refuse loans

To learn how to save money and save it, you need to give up loans.

A credit card is an incredible temptation for a person who seems to have no extra money, but at the same time it is. Thus, a person gets into the so-called credit trick, from which it will be very difficult to get out. So a very good tip is to throw away your credit cards!

If this happened and you have loans that you can’t get anywhere else, you need to review the conditions under which you took a loan, it might be better to take it at another bank and close this one if it has more favorable conditions, for example, less interest.

Tip: if you are going to take a loan, it is better to take for a longer period, then the monthly payment will be much less. Of course, a little more interest will come in, but you can pay per month instead of 10 thousand only 5. And this will not hit your budget so much. Indeed, financial difficulties with loans from that happen that too much load for a month.

In general, before taking a loan, you need to review several banks and examine the conditions of each. Indeed, for many banks, interest is simply predatory!

Tip number 4. Holding back the temptation to spend money

When leaving work, or from somewhere else, you should not go to supermarkets without your list of products. So you will avoid the temptations, because marketers have a thousand ways to lure your money from you.

It’s better to calmly come home, take a break, make a list of the products you need, and then boldly go to the store. Better yet, take with you the amount of money you are counting on, but not more. Leave the money at home, they will not run away from you, and you will not spend it.

Tip number 5. We start a piggy bank

You can throw an unnecessary trifle, change that remains with you, because like 5 rubles it is not money and you can’t buy anything, but at the end of the year, you will see how much you saved and saved. A significant amount will come out! Well, how to save, we will consider a little later.

Tip number 6. Do not rush to sales and promotions

Better pay attention to the composition and quality of the product, as well as the expiration date. Because some stores are simply fooling their customers and want to slip your delay into your account. Therefore, you should first study the product you want to buy.

Tip number 7. Bad habits

Smoking, alcohol, food from fast food - it's not cheap hobbies. Why spend so much money on something that simply ruins your health? Try to give up all these bad habits, and not only your wallet, but also your precious health will thank you.

Count yourself, a bottle of beer and a pack of cigarettes cost an average of 50-70 rubles. Yes, abandoning this, you can collect in a year on a new laptop, only on the money saved, for this! And so choose for yourself what is more important for you.

Tip number 8. We invest your money wisely

Choose a good and reliable bank and invest your funds, with the ability to withdraw them at any time. After all, this will help you not only save your savings, but also earn some money on the accumulated percentage of the amount.

Tip number 9. Set the counters

Set yourself water, gas, and electricity meters. Change ordinary bulbs to energy-saving ones, and do not forget to turn off the lights! All these little things will help you save on housing. Simple, right? No one makes you sit in the dark, but just follow some rules and see the difference!

Tip number 10. We use discount and discount cards

For example, you have a discount on furniture, and your girlfriend on household appliances. So change for a while! Both are good! Also applies to various other stores.

Tip number 11. We optimize the cost of communication, Internet, etc.

Not only bad habits take a good amount of money from us, but also seemingly harmless things like mobile connection and the Internet.

After all, many people connect services that they absolutely do not need, and do not even suspect how much money is devoured on such services for the year. And telecom operators themselves sometimes unobtrusively connect such services to you, so pay close attention to the balance on your phone.

For the sake of saving and accumulating money, it may make sense to get another job, i.e. change her. To do this, we recommend reading the article - "How to behave in an interview?"

To conclude this chapter, we’ll give you an example of how to properly draw up a table of expenses.

6. How to save money in the family - a table of 3 types of expenses

Using this table, you can monitor and control your budget, as well as cross out unnecessary expenses. It will help you determine how to save money and save it correctly.

A table of three types of expenses:

As you can see from the table, the last column needs special attention. After all, even if one point is deleted from here, you can see the result, on saved money.

7. How to save money correctly - 4 ways to save money fast

Of course, saving money is not so easy and simple. You need to learn this, and you will need a little effort and patience. But even the most disciplined, calculating and responsible a person has a risk of making a mistake.

let's consider most common mistakes among people and also study advice and expert rules to eliminate these very mistakes.

If you have already started to accumulate funds, then this is already good. But how to save money correctly and have you chosen the right way? And will you break in half a year? Perhaps your strategy is not as perfect as you think.

Let us further consider the time-tested methods of saving money.

Method number 1. What remains, put off!

So, you pay all your necessary bills, utilities, buy products, and all that remains, send to the bank. But note you have no goal, and you don’t even know what specific amount you have left after all costs, and throw only the leftovers there.

Try rebuilding your technique differently. When you got paid the very first account, there must be a savings account for you. Make it your own golden rule.

Calculate how much you can give to the bank in a month, and do it first thing. And if you don’t succeed, well, anything happens, for example, there’s no time, or there are some temptations to spend your money as soon as possible, then connect the service to the bank automatic debit from your card a certain amount to your savings account.

In this way, you can save money and save time. And you will forget about these chores. And then your savings account will pleasantly surprise you.

Method number 2. Where is the money stored?

As we already learned, the savings account is wonderful. But it is important to know exactly where your funds are stored in the bank or on a plastic card?

After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And to do this is quite convenient and easy, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret it.

Instead, it’s better to open a deposit at a bank with a high percentage, for example on year, with the capitalization of interest on the deposit account. About what is the capitalization of the contribution, we wrote earlier in one of our previous articles - we advise you to read it.

So you just don’t spend your money, just don’t invest everything at once, but leave a little on your savings account, otherwise there can be any emergency situations.

This method is one of the most important, since you need to save money competently, through their profitable investment. Money can be invested in various financial instruments with a certain profitability. Here we recommend reading the article - "How and where to invest money in order to receive monthly income."

Method number 3. Each account for a specific purpose

If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Sure. if you save only for one target, for example on a car or an apartment, then everything is fine, this method is for you.

But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you are already have accumulated, and with what else can wait.

To avoid such problems and difficulties, you need to acquire several savings accounts. And let each savings account be designed for a specific purpose, for example, "by car", "to the apartment", "on education", "to the cottage"and so on. Rather, it is in this way that saving money is correct, since each" account "has its own" purpose ".

Method number 4. Don't give up everything

It’s not worth it, to get hung up on put off, put off, put off. You don’t need to specifically give up things that bring you pleasure, because it’s on such things that ourhappy indicator"and good mood.

Of course, many, as we have already said habits and entertainment, should be abandoned, but this does not mean that you need to become a hypocrite, sit half-starving, do not go anywhere, and even sit in the dark.

When your annual savings account is over, you should think about more serious investments and for a longer period. After all, you yourself will feel the difference and want to improve your financial situation.

Tips for saving a decent amount of money

8. How to accumulate a decent amount - 15 tips from an expert

To conclude our article, let's look at more 15 tipshow you can save money and accumulate it quickly. Some of the tips may be repeated, but you should necessarily remember.

Of course, there is no specific set of rules and advice on how to save money, but then we will consider the advice of experts who suggest using it to simplify saving and saving money.

So, tips on how to create savings to accumulate a decent amount:

Tip number 1. Cash payment

Try to pay all your purchases and expenses only in cash. So you clearly feel the difference, and say goodbye to the money you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.

By the way, if you buy goods through cashback services, then you can save from 1-1.5% of the purchase price. We already wrote about what cashback is and how to use it in one of our articles.

Tip number 2. Save money on your account

Every month you save a certain amount to your savings account. At the end of a certain period, a pretty tidy amount of money can be accumulated that can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, get a goal for which the funds you accumulate will be spent.

Tip number 3. Spend less on entertainment

Try to minimize entertainment costs. Better spend time with your family, go in for sports. After all, there are many useful ways to replace unnecessary expenses for entertainment in cafes and restaurants, in the end, experiment with new inexpensive recipes for dishes at home. Both good skills and a husband with children will be happy!

Tip number 4. Do not fall for promotional offers

Everything that comes to your inbox, various directories and advertisements are just trying to seduce you. But you do not give in, feel free to throw everything in the trash, but rather unsubscribe from these useless mailings that clog your inbox.

Tip number 5. Make a shopping list

If you have such a bad habit, to buy everything in a row, or just to buy something, then make a list of everything that you want to buy. And browse it monthly, you will see if you still need this thing, or was it just not a necessary temptation?

If you decide that you really need this product, then buy. But most likely your opinion will change in a month.

Tip number 6. Cook at home

Try to cook at home, do not snack in restaurants. It will cost you a pretty penny. You don’t have time for lunch at work at home, and you rush to a nearby cafe for a quick snack? Think about it!

Make yourself dinner in the evening at home; there are special food containers in which you can reheat in the microwave. This will allow you to save on restaurants, and also agree, you know your homemade food. It is also healthier.

Tip number 7. Share your expenses

Try to lay out your money on envelopes: "on a communal apartment", "on credit", "on products", "on the phone" and so on. And your expenses will always be planned.

Tip number 8. Discuss your immediate expenses with family

Every week, discuss material issues with your spouse. You must make sure you are aware of each other’s waste. And unity, let it be to success!

Tip number 9. Spend expenses

Distribute all expenses according to the table; see an example of such a table above. Or download the application on your mobile phone, which is much more convenient! And always with you!

Tip number 10. Pay the necessary bills first

First we pay all the necessary bills, then we look at the need for other expenses.

Tip number 11. Replace paid hobbies, hobbies, etc. for free

If you go to the gym, or do fitness, then this hobby can be replaced by charging and running on the street in the park. Both useful and free!

Tip number 12. Give DIY Gifts

You can also save on gifts. After all, the best gift is a handmade gift! On the Internet now you can find a lot of ideas.

Tip number 13. Buy branded apparel counterparts

Remember, money is not happiness. And including, not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than "branded". In addition, fashion comes and goes, and then things remain unnecessary.

Tip number 14. Use exchange services

Try using barter. That is, exchange services and things. After all, it is much more profitable, and will help save good money!

Tip number 15. Use e-wallets

Try to save money on virtual wallets, such as kiwi, Yandex money, webmoney. In order to withdraw money from there, it will take time, so you will insure yourself against unforeseen and unplanned purchases.

In addition, on the Internet you can earn a pretty penny, money is also withdrawn to these electronic wallets.

We also recommend watching a video on how to quickly save money:

9. Superstitions and signs for raising money

And now at the end we added a little for you of magic and superstition.

National signs about money:

• Never lend on Monday, otherwise you risk losing all the money!
• Never betray money from hand to hand, better put it on the table and then take it. And then the negative energy of a person through money can go to you.
• If you borrow another person in the evening, then just lay the bills on the floor, and let him pick them up. And better remember that in the evening it is better not to give a loan.
• It is only necessary to repay a debt in the morning and with small money.
• When you are given a debt, then keep a fig in your pocket on your left hand.
• In your wallet, store your money carefully, in expanded form and so that they are distributed on different banknotes.
• Keep paper bills facing you.
• So that the money does not disappear, put in your wallet a piece of a tree from the swallow’s nest.
• If you made a good profit, then take one banknote from there and store it in your wallet, do not spend or exchange it.
• If you decide to give a wallet to someone, put one money there so that the wallet is not empty.
• In order for money to be found in the house, put a coin in each corner and say: “Let it come to my house”.
• Keep money in envelopes or bags of red color.
• Get yourself a money tree and take good care of it.
• Money loves to be counted. Always count your change.
• Never spend everything up to a penny, make sure that money always remains in your wallet and remains.
• If you have a newborn in your house, put money under his pillow.
• Count your money on a clean Thursday.
• Try to cut your nails on Tuesday or Friday.
• Never discuss the material incomes of other people, otherwise there will be none of your own.
• Do not hate the rich and the poor, otherwise you yourself are threatened to remain in shortage.
• If you saw that the cat or cat is reaching, then this is for profit.
• If in a dream you saw an evil or hissing cat, then this is a theft. Be careful!
• Be sure to get a dog or a cat at home, otherwise there will be no prosperity in the house!
• There is such a sign that a black cat or dog will save the house from thieves.

In order not to need anything in the new year:

• Meet the New Year in new socks and underwear. And do not forget to make yourself a new hairstyle.
• Try seven different dishes at the table and place seven coins under the chair.
• It is necessary to repay the debt before the New Year, it is even possible at the holiday table.
• When the first blow of the chimes happens, make a wish by squeezing a coin in your left hand.
• Throw a coin into a glass of champagne and drink it. And then make a hole in this coin, and wear it like a pendant.
• In the morning of January 1, wash yourself with water and coins.

Superstitions, which in no case should be done:

• Put empty bottles on the table.
• Sit down on the table.
• Putting bills on the table.
• Revenge trash at sunset.
• Stand on the doorstep.
• Whistle while at home.
• Exchange big money for small ones.

Well, believe it or not, believe it, but many people observe and follow all these signs. Signs did come from our ancestors. Most importantly, we can conclude that money should be treated carefully, neatly, don't crush them, don't wag. Do not spend all the money, the wallet should not be empty.

We also recommend that you read our article. about money - the essence, functions and types of money.

10. Conclusion + video

From this article we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to slightly reconsider your attitude to finance, and in general to your life.

And remember one main thing, there should not be a crazy amount of money, in order to feel in a good financial position, there should simply be enough money.

Good and stable financial situation - this is not millions of earnings at all, every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage finances correctly. When you yourself will understand your income and expenses, then you yourself will understand everything.

A good example you will see how much per month you spend, what is superfluous in your life and what you need to refuse. This is not all that difficult, the main thing is to manage your life correctly, not to get loans, and if this has already happened, then get rid of them as soon as possible. Then not only your financial situation will change, but a healthy mind will wake up, every day will be in a good mood, since you will forget at least half of your financial problems.

In conclusion, we recommend watching a useful video - “How to save and save money - 31 ways to save”:

Let's hope that all these tips will be remembered to you, and most importantly useful. After all, as you already understood, saving - This is not the worst thing, but rather the opposite, useful, which will make your financial and personal life easier and better!

We hope that this article helped you find answers to questions - how to learn how to save money with a small salary and at the same time accumulate them. We wish you successful savings, and good luck in all matters!

Watch the video: How to Budget and Save Money for Beginners in 2019 (October 2024).