How to save money in two weeks? Especially if disposable income isn't as high as you'd like?
The main thing to understand is that our orders will never be comparable to our money. Certainly many have noticed this pattern. In the beginning, the income was one, and you didn't live in poverty. But there wasn't enough money for some things. And it looked like they would increase your salary by a few thousand, and you could save for a mortgage. Or for any other purpose.
The situation has changed, the salary has increased by the desired amount. But it wasn't there. It turns out that the needs are no longer the same. And there are more and more things for which it is very necessary to spend the available bonus. As a result, we begin to notice a vicious circle. More money, better demands. But it is still not possible to save. How to save money quickly in this situation?
The content of the article
Looking for a way to increase income
Our desire to quickly buy a car or an apartment without a loan is not enough. And dreams will remain dreams if we sit on the couch. It is important to carefully consider an effective strategy and not deviate from each of its points.
If the current income is really very low, the first step is to look for additional sources.
Many are used to not stepping out of the so-called comfort zone. "I can't find a big salary." This is a favorite phrase of those who are not looking to increase their level of well-being. In this case, one must admit to oneself the need for additional part-time work. Get out of that “comfort zone” and find a solution. Nowadays, income does not depend on the city of residence. Because with the help of the Internet it is easy to find a part-time remote job, which is convenient to combine with the main one.
Owners of their own transport can earn extra money as a courier or driver. This work is often better paid than the work of an engineer, clerk, salesperson, etc.
How to save money – “economy” apps
Good housewives once knew how to save money efficiently. They separately recorded the necessary monthly expenses. And after that, the remaining income was distributed. Within a month, checks were folded, expenses were spread out in columns. For example, food, medicine, household chemicals, clothing, etc. Thus, it was possible to calculate purchases that were not necessary.
Now just make it the rule to spend on special apps on your smartphone. Or use the program installed on the computer. Because the effective distribution of financial flows is quite easy to learn. And don't be afraid to save. Known millionaires do not spread money and generally belong to the category of bad people. Useless purchases bring only imaginary joy. And giving them up is a great way to get closer to your goal.
Get rid of credit cards
Credit cards are the scourge of our time. No way to accumulate money will work if the famous credit card is in your pocket. Because it will surely spring into action as soon as the eye falls on the desired item in the store. Even if it's unnecessary. Every month we console ourselves with the illusion that next month we will pay off our debts and not use them anymore. But this vicious circle never ends.
Refusing a credit card is the way to the correct distribution of funds.
The main task of those who want to save for the holidays is to pay off the loan. And closing a seductive card in a bank branch.
defer properly
To achieve this goal, experts advise saving money correctly:
- set aside at least one-tenth of your monthly income;
- increase savings through part-time jobs;
- under no circumstances change priorities (do not touch deferred money until the required amount is received);
- plan expenses;
- reward yourself for increasing income.
There is no need to set aside the entire amount received as a result of part-time work. Let yourself 50% as an incentive, this will serve as one more incentive.
You should not borrow money – on the one hand, they will be most useful during the period when there is no access to them; on the other hand, there is no guarantee that your hard-earned money will be returned.
Existing finances are best placed on interest without the possibility of early withdrawal. Thus, they will increase a little and the temptation to use them will be reduced to zero.
buying a car
Saving money for a car doesn't take as much money as we think. A new car is everyone's dream, but you can start with buying used vehicles.
It is good when the objective is clearly defined: the desired brand and model are selected, the period during which a certain amount must be accumulated is determined. We divide the price of the car by the planned number of months and get the number that needs to be postponed. It is better to assess financial opportunities objectively – you should not strive to save half of your existing salary, if at the same time there is not enough money for necessary things. It is also important to moderate the ardor and avoid large purchases that do not fit the strategy.
Ridiculous mistakes on the way to the goal
Sometimes objectives give rise to the search for non-standard solutions. And not all of these decisions contribute to achieving the desired result. You should not look for fraudulent ways to earn money, engage in scams, resort to robberies and other illegal actions. Firstly, it is not fair, and secondly, it is justly punishable.
You should not conduct experiments on currency exchanges, seek luck in a casino and become a gambler. Large sums here don't go first-come, and it's all too easy to lose all available funds and owe someone impressive money.
Following all the above recommendations is not very easy, but the result will not be long in coming. You need to get rid of some stereotypes and go step by step towards the goal. It's important to get rid of the lingering desire to get rich dramatically - honest money can only be earned by working. Budgeting, spending planning, and additional work will get you closer to the desired outcome.
And that's all. Write in the comments your opinion on how to save money faster. And subscribe to our newsletter to receive interesting articles.
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