Everyone wants to know how to learn how to save money and save, wisely and correctly distributed so that they were enough for everything you need and still have, for example, to leave. However, many people see this problem as related to certain prohibitions and deprivations. In fact, this is not so. The system of financial control of daily expenses regulates the organization of life and does not require any special education or abilities.

The first steps to learning how to save money

There are things on which it is impossible to save, and, on the contrary, it is necessary to find additional opportunities for their maintenance. It is prevention and health promotion, daily care and self-development. Other issues require not only the rational but also the economical use of available funds. To learn how to do this, we recommend that you do the following:

If there are debts, pay them off. Getting rid of debts is a mandatory measure that must be implemented if you are seriously engaged in saving money. Thus, they are exempt from previous debt functions in favor of the savings regime. One half of the money that can be saved will go to the debts, the other half is saved. This will allow:

immediately engage in the construction of their own well-being;
at the same time to work on the achievement of the two goals-to strengthen their well-being and gradually get rid of existing debts;
to create a financial reserve;
to have some means to mitigate a possible sudden adverse situations.

Clearly formulate for themselves the specific objectives of saving money, for which it will be done. If you plan to buy, for example, a house, car, computer, expensive phone or fur coat, it is necessary to know the price of what intends to buy and write it somewhere. Now it is a benchmark that encourages saving savings.

To plan really achievable terms of economy, for example, a new house for four years. If you do not do this, it will be difficult to achieve this goal. Because new circumstances may seem more important to spending money. And the explanation to yourself like "next time I will save more", as a rule, and remain, moving from one month to another. At the same time, the benchmark price will increase, constantly extending the planned time savings.

Decide what the optimal amount of money you will need to save per month to achieve this goal.

To have a clear account of the costs, even the smallest, to distribute them into categories. For example, at home (rent or mortgage, taxes) and car (maintenance, gasoline, insurance). Take into account all utilities (water, electricity, gas, Internet, TV, phone). Provide for the cost of food and other costs. If possible, keep a record on the computer for special programs. Be sure to keep all checks and receipts.

Optimize your costs.

After a couple of months to analyze the produced accounts and draw conclusions on what you can save the next month. Maybe give up bad habits or some entertainment. To measure all this with the goal set to save money and make appropriate decisions.
Open your own account in one of the banks and transfer to it about 10% of wages every month. This is also saved money.

Some ways - how to save money

The use of certain methods of saving money depends primarily on the discipline, responsibility and capabilities of those who decided to seriously engage in this business.

One of the simplest, but practical and effective ways is the so-called method of four envelopes. It helps to learn the correct planning and management of the family budget, to prevent overspending. Conditionally its essence can be illustrated by such an example. There is a family provided with an apartment, there is a car taken on credit. How to ensure normal costs, taking into account the available income? This can be done so:

Calculate the amount of income for a particular month.It can be changed through possible additional income.
Approximately 10% set aside in a Deposit account specially opened in a Bank.
Calculate the mandatory monthly payments for utilities, loans, car maintenance, including gasoline costs.
To allocate certain funds for the upcoming vacation.
The balance is distributed over four envelopes, each for one week. Now it will be necessary to conduct weekly expenses and expenses within the allocated funds, without forgetting about their economy.

Among other ways to save money in the family, you can call the following:

It is mandatory to install in the apartment metering devices for all consumed resources – water, gas, electricity, to clearly pay only the costs.

Teach yourself to turn off all electrical appliances at night, and when you leave home. This is useful not only for saving money, but also for fire safety.

To buy products mainly by season and wholesale. I mean sugar, flour, cereals, vegetables.

Deal with mobile phones from all family members, to choose more profitable options.

Do the same with the Internet and cable TV.

Always plan the volume of upcoming purchases, do not go to the store without a corresponding list.

Try to cook and eat more at home, not in restaurants and cafes. This is useful for the quality of food.

Don't get carried away by the car too much. In good weather, it will not be superfluous to walk.

Always need to bargain on the price.To train yourself to keep all contracts, receipts, and warranty cards.

Strive to do the right thing any buy and purchase:

Compare prices with additional charges of different manufacturers, so you can make a profitable choice.

Never consult with those who work on interest.For expensive purchases should consult only with experts.

Refuse to purchase any products on credit.

Buy things on sale at a discount.

Use the services of online stores, in many cases it is profitable.

Recommendations on how to save money with a small salary

If wages are relatively small, the economy and rational use of money are of fundamental importance. And this applies to literally all types of costs:

For example, how to save money on food. Shopping in supermarkets should be done on a pre-prepared, thoughtful list, it never allow anything extra. When choosing goods on the shelves, pay attention not necessarily to those that are displayed specifically right in front of the buyer, but also on other shelves.

Often there is less advertised products brands, but cheaper and better. Buying products is much more economical and convenient for a week.

Instead of ready-made slicing products cheaper to buy them from the seller.

Do not buy anything on the day when paid wages, because you want a lot and money will not be immediately.

To save on transport, it is cheaper to buy tickets.

If you have your own car try to use less car wash services.

To establish strict self-control of water, gas and electricity consumption where you live, which will significantly reduce the actual payment of utilities.

When choosing clothes or shoes, preference is given to quality and reliability, and not a brand tag.
It is much more profitable to do timely prevention of the body than to treat it.

There are many options for saving money in all spheres of life. The main task is to optimize or streamline costs, but do not exclude them, as, unfortunately, this often happens. Saving money, which will be more like stinginess, will exacerbate existing problems and will give rise to new problems, and really additional funds will not be added. On the other hand, overly limit yourself in all economical person, probably not worth it.

It is important to consider the appropriate options. If this applies to recreation, then go to the Park, play in nature in any games. Or watch a movie with your family at home instead of going to the cinema. It is necessary to work on practical advice, choosing those that are right for you. Of course, it is difficult to follow all the recommendations in a row, but it is worth trying. If you managed to save money, it means that everything was done correctly, the result was as if additional income.