Savings is a mandatory step on the road to prosperity, no matter how boring the process itself is. You can’t get your money too much if you can’t first regulate yourself.
Everything above is true!
I know how difficult it can, how tiring it can be to see that at the end of the month there is nothing more to put aside. Below I will present how we can adopt the essential measures to be able to build an economic fund.
First of all, save, it means being disciplined and consistent. It implies a long -term vision compared to the week or next month. It is more than having until the next salary. What expectations do you have from the future? Where do you see you more than a year? But five?
Doing the necessary actions to put aside the money implies that savings are a priority of life, if it remains optional, then the money put aside is relative and therefore we see at the end of the month if something remains. It seems difficult, but I don’t judge anyone, I just explain that there will be money for the priorities but they will not be for optional things.
How do you priority to savings? It is a decision, you decide, you are responsible. But to make this decision and to have determined, it is essential to prepare you The purpose / «because» yours. Why do you want to save? What is the purpose for which you put the money aside?
Money itself has no value, The value is given by the purpose attached to them. So gives money a higher purpose. Personal values reviews, what makes you happy? Not what anesthetizes you in the short term.
Basically, set short -term goals, I say it Clock bombsand long -term associated with The vision of your future. Pay attention to which bombs of the clock you have set, buy resources, not passive.
What does it mean? You can choose to raise funds for a training course instead of a watch or phone. That course can bring you more money in the future. While that clock or the phone loses only value. Sleep for a holiday, you can choose a cheaper position and the difference is reorieved for long -term goals.
Once you have arranged «because», things will make much more sense.
Only now can we move to Safe save methods.
Imagine that your wallet takes a holiday and you have to survive a whole day without spending money. The challenge is simple: one day a week, put the cards aside and see what you can do without paying anything. Walk in the park, read a book you already have, cook something with what you have in the refrigerator. But the great care did not compensate the day before, do not cheat !!
2. The marathon «without shopping»
Make an experiment, try not to buy anything for a month (obviously apart from the rigorous necessary). Think about it as a competition with yourself. Do you like that new dress? Leave it there and look at how proud you feel when you can avoid it. It’s like a car training -Control!
3. Apply the «minimum 24 hours» rule
When you buy something non-essential, over 100-200 she, stop for a moment and apply the «24 hours» rule. Put the product in the virtual basket or on the wish list and wait one day. After 24 hours, ask yourself if you really need it.
Questions about clarifications: «Do I really need this?», «Why do I buy it?», «But what if I buy something cheaper?»
When it comes to food, planning is the key. The waste of food in Romania is enormous, we buy a lot and then we launch. Plan the tables, buy the list and prepare the early foods that you can warm up quickly. Cook a greater quantity of food and place portions in the freezer. Create food for at least 2 days.
5. Limit subscriptions
Do you have more subscriptions for streaming, physical fitness or other services? Analyze what you use and cut from expenses. You can cancel some temporary subscriptions and return only to what is essential. Optimize Internet subscriptions and on the phone.
6. Buy books in digital format instead of classic books
The and -books are cheaper than classic books because they do not include the costs of princess, deposit and transport. In addition, Kindle imitates the printed pages very well, so that they do not tire your eyes. If you like to read, you will quickly recover your investment. But I admit that I am making books in classic format, which I try to buy as much as possible.
7. Avoid attacking a particular brand or brand. Be open to cheaper options, which are sometimes even more quality.
The principle applies to everything we buy, from clothes to electronic elections and even food. You want to take a refrigerator, if you have found a product you like, but the price is above your budget, it is likely that finding another, as good as the first, at a lower price. You just have to look.
8. Shopping of the reverse season
Buy winter clothes in summer and vice versa! Seasonal clothes and equipment are often much cheaper when they are not required. The same goes for summer equipment: you will find them with a discount in the cold months.
9. «Buy your wardrobe»
Before buying new clothes, heal through your wardrobe. You will discover clothes that you may have forgotten that you have and you can combine in new clothes.
10. Discounts and coupons hunting
Discounts hunting! Create accounts on sites that offer coupons and special offers. Considerable amounts can be saved using discount codes.
11. Save energy and save money
Pay attention to energy consumption. Turn off the lights when you leave the room, remove the electronic appliances that is not used. Defise and empty the refrigerator before going on vacation.
When you go out with your friends, set a exit budget, you can go on and take only this amount (remain in cash). This is how you know whether to order the dessert and the second cocktail or stop.
13. Take a cheaper and lower consumption car.
The car can be a black hole for your money, an expensive car means more expensive insurance (well how much money you have given, you need a helmet), the repairs are more expensive, the complete cost, you must have a safety system and so on. With a cheaper car and low consumption, it does not make sense to describe, the cost difference will feel.
14. Shopping shopping
When you go shopping, make a list and respect it! Avoid areas with temptations such as snacks or «promotional» articles that are not necessary.
15. Buy second hand
If you need something, check the second -hand stores first or the sales of products used. You can often find almost new objects at very low prices.
16. Sell what you don’t use anymore
Of course, if you look through the house (decorations, clothes, furniture, appliances, books) you will come across an entire list of objects that do not lie at all. Pure and Sinplu you bored or you have replaced them with the more efficient ones, one thing is certain, another other needs it and you can do some money.
When I take responsibility for your actions and life in general, you have the opportunity to change, as long as others have electrical (head, parents, husband, government) it will be very difficult to have results. Be responsible, give up apologies and take the first step !!
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