A person can do a lot in a year, including saving money to create a financial cushion.
If he can collect the required amount of money in a year, then next year he will no longer have the feeling that there is no stability.
So, to save 120,000 rubles, you need to put aside 10,000 rubles every month, but for a person this is too much, especially when he earns little and spends money without a trace. What to do?
There is no need to despair, because who said that you need to put aside exactly the amount you initially planned every month?
It is not necessary to withdraw 10,000 rubles from your finances every month, because in one month a person has more expenses, in another less, so in one month it will be possible to put aside more, and in another, perhaps, there will be no money left at all, and this is normal.
Another thing is that you need to optimize your expenses, that is, stop spending money on what is not important, basic, and then even with a small income, a person will save a significant part of his money.
For example, if he refuses a cup of coffee for 50 rubles 20 times a month, that’s already 1000 extra rubles.
And so it is worth going through all your expenses, leaving only the main ones. If you live like this for a whole year, then a person will learn to discipline himself plus will be able to save a sufficient amount of money.
Another way to save money is to find an additional job, a part-time job, the money from which should be used for savings. Here it is quite realistic to put aside 10,000 rubles a month, or even more.
A person can do something better than others, so why not make money on your skills? If you try and strive every month, then a decent amount of money will accumulate in a year.
The main scourge of a person is unexpected expenses that throw him off track. For this case, he needs to have an emergency reserve of money, but if a person does not have one, he has to get into debt, take out loans or squander all his finances.
Such a period should not last more than two months, otherwise the person will become morally exhausted and abandon the idea of saving.
When to save? You shouldn't start on Monday, you need to think about your money right now and save even a small amount, rather than trying to save a lot of money at once.
Even 100 rubles is okay to put in a piggy bank, then shake it out and exchange small money for larger ones, putting them in a bank deposit or account or otherwise hiding them from yourself.
Earlier I talked about how to recognize that your boss doesn’t like you .
