No client wants to hear advice from their financial advisor about saving money.
This state of affairs does not inspire, does not bring new ideas and does not make you think about investments.
Many people are sure that saving means counting every ruble and giving up all pleasures. However, it is not so. By connecting rationality and common sense, you can learn to save money without harming yourself.
A goal should be set
This point is not about wish marathons and writing 100 goals for the year. It is about how to collect your thoughts and determine the main areas in which you need to invest a large sum of money.
For example, every parent dreams of sending their child to a prestigious university.
Now you need to go to the official websites of educational institutions and determine the average cost of education.
Let's say you need to pay 450 thousand rubles per year. Usually, studies last 6 years (bachelor's degree + master's degree). In total, you need 2.7 million rubles. There are only 15 years left before admission.
This means you need to put aside 15 thousand rubles per month. They can be placed on deposit or invested in securities.
If you start saving not this year, but, say, in 5 years, then you need to put aside 22 thousand 500 rubles per month. It is this kind of goal that will motivate a person to reconsider their expenses and refuse to buy another fancy gadget.
It is necessary to study ways to optimize costs
When a person has a small income, it seems there is nothing to save on. It is not necessary to deny yourself your desires. Sometimes it is necessary to study what benefits and additional payments are due in certain circumstances.
If a person is officially employed, he has the right to tax deductions. For example, for treatment or education.
Parents are entitled to a standard deduction for a child. The amount of money depends on the number of children and their level of health. The minimum tax deduction is 1,400 rubles.
You can save on rented housing if you take out a family mortgage. Even if you have to take out a loan to pay the down payment. This will only work if the amount of borrowed funds is not too large.
Everyone can save while still spending
Modern programs will help with this, in which you need to indicate your income and expenses.
Having defined the main categories, you can choose a card with cashback for this group of goods and services. This will help you save from 1,000 to 2,000 rubles every month.
When buying goods in a certain chain, you can get a regular customer card. Loyalty programs of different companies will help a person reduce expenses on air tickets, car gas, restaurant meals, etc.
And the main principle: buy on sale only what you have wanted to buy for a long time, even if the price remains the same.
Saving on food
At this point, no one forces a person to switch to bread, porridge and water. This is about something else.
For example, instead of dining out, you can cook at home. However, you need to consider the labor costs, time spent on cooking, and lost profits.
Perhaps during this time a person could come up with a new idea for making money or process the information and release a webinar.
Products with a long shelf life can be purchased once a month in wholesale stores or discounters. However, before buying, you should study the prices of similar products in the retail network.
It can be noted that the proposed advice does not drive a person into depression. On the contrary, it makes you look for options and optimize your life. Since a large number of unnecessary things clutter up not only your place of residence, but also distracts you from creating your own projects with high profitability.
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