A small salary is not a reason to deny yourself everything.
After all, if you manage your budget correctly, you can not only save money, but even afford an expensive purchase. And how to do this, you will find out now.
10% of income
With a small salary it is difficult to afford to buy expensive things, such as household appliances.
But if you put aside 10% of your salary every month, you can save up a good amount in a year.
Discount and rebate cards
All large stores and pharmacies have discount cards. They are given out free of charge or can be purchased.
And if you are a regular customer of a particular store, then you should take care of purchasing it, since with it, purchases will be much more profitable.
Make a shopping list
To avoid spontaneous purchases, make a list of the products you need before going to the store.
Homemade food
Business lunches with colleagues, take-away coffee, lunches in cafes, baked goods from the bakery, fast food are the main expense items.
To save your family budget, switch to home-cooked food. It is not only tasty, but also healthy. In addition, you can take home-cooked food with you to work. This way, you can save 10-15% of your income.
Don't delay paying your bills
Pay your utility bills on time. If you don't do it on time, you'll end up in debt, which will be difficult to pay off later.
Think about your purchases
When we go shopping, we buy a lot of things that we really like.
But then we realize that we could easily do without these things.
To prevent this from happening, before you buy, think about whether you really need this thing and whether you can do without it. This is especially true for expensive purchases.
Buy during sales season
After winter ends, check your wardrobe - what you will wear next winter, and what has already become unusable. Out of season clothes and shoes are sold at a good discount. You can also buy summer clothes in winter.
We previously wrote about cleaning habits that need to be broken.
