How to save a decent amount of money?

1. Save a certain amount of money from each salary.

It is believed that it is painless to postpone 10-15% of the money received in the salary. But if you want to collect a large sum quickly, then you have to postpone all 30%. If you received a bonus or other income, then it is also necessary to immediately postpone it 20-30%.

1. Keep records

Stop ceasing to spend money. Write down each purchase and at the end of the month you will see what you could not spend. And also you will find out how much money your family really needs for living, and how much you could put in a piggy bank.

1. Try to live every month for an amount not more than the amount of the previous month.

Even if you received a bonus, do not spend it emotionally, better postpone this month more.

1. Pay attention to mandatory payments. Perhaps you can save on them.
   
   The more you have bank cards, phones, property, the more difficult it is to notice errors. Calculate how much you pay for the mobile - maybe it's time to change the tariff or operator? How long have you looked in the receipt for payment of housing and communal services? There often occur errors and improper recalculations. Have you installed personal water meters or are you paying for the whole house?

2. If you have credits, close those on which the highest percentage goes.

You can take a loan in another bank at a lower interest and close the previous one - so your monthly expenses will become smaller.

Or pay the loan with the highest interest twice as fast (pay a double monthly payment). When this debt is repaid, add the liberated amount of money that was spent to pay off, to pay on the second debt, until it is repaid.

1. Go to the store with the shopping list. Strictly observe it. Emotional, unplanned purchases - can reach 30-50% of previously planned acquisitions.

2. Pay for purchases in cash.

Knowing that you have money on the card, you will spend more! Going to the store, put in a purse only the amount that will be enough to buy the necessary goods.

1. If in the store you saw something cheap and you really wanted it - wait a while. Think about it, do you really need it? Usually 10 seconds is enough to understand that this thing you do not need.

2. If you want to buy something expensive, be patient for a month and think, is it worth this amount of money or can you still do? Most likely, in 30 days you will not remember what you wanted to buy.

3. Stop smoking! Just imagine how much money from the family budget is spent on cigarettes and booze ...

4. Every day round the balance in your wallet to hundreds. For example, in a purse is 1870 rubles. 70 rubles put in a coin box and very soon you will be surprised by the accumulated amount.

5. Start eating properly.

Pay attention to how much money goes to "yummies" - chips, fast food, expensive alcohol, cigarettes and so on. By turning down harmful food in favor of a variety of home meals, you will begin to spend less.