How to save money without denying yourself everything? What people save money for How to save money and not spend it

Alfa-Bank analyzed what customers save and save money for using the My Goals service. Everyone can create a goal that becomes an additional account: you can replenish it, withdraw money, save interest and keep track of how much money is not enough to fulfill the dream. You can open these goals in unlimited quantities and through the Internet Bank or mobile bank. financial institution provided The Village with research data on client goals.

What do people most often hoard?

Car

14% of customers average about 7k savings per month

Relaxation

13.7% - 10 thousand per month

Flat

7% - 12 thousand per month

Present

3% - 3 thousand per month

Charity

1% - per thousand per month

A significant share of savings is oriented towards relatives and friends. So, most of the men save money for their beloved women, setting names for the purpose.

Most Popular Names

Olya

Julia

Anya

Lena

Katia

Many clients believe in luck and save money separately for lotteries, sports lotto, bets and casinos. Other common purposes are sports and weddings. Rarer targets - yacht, fishing, airsoft. Several people are saving money for shelters and helping animals. There are also very rare goals, such as "Capoeira", "New Life" (about 5 thousand rubles a month) and "Horse".

If you have already started saving money, congratulations - this is a smart step towards a secure future. Ideally, your financial "airbag" should be enough for six months of life without financial income. But even if every month you make a profit and increase your savings, this does not mean that your strategy is perfect.

David Blaylock, specialist in financial planning, analyzed the common ones and gave some tips for improving them.

Strategy #1: Save What's Left

So you pay your monthly bills, maybe spend some on entertainment, and then whatever's left goes into a bank account. Knowing that you, in principle, have money, you can spend more than you should, and then spend the funds intended for accumulation. Also, it's hard to set a specific savings goal for yourself, because you can never be sure how much you'll have left after spending all your money. Instead, you can try another method.

So how should it be?

The very first bill you need to pay after your paycheck is your savings account.

Make it your rule and treat it as a mandatory and most important part of payments (of course, if you have enough money to pay all other bills).

Create an automatic money transfer from your bank card to a savings account at the beginning of the month or from each cash receipts. If you just set up such an automatic money transfer and forget about it, after a while the amount of accumulated funds will surprise you greatly.

Strategy number 2. I transfer money to a savings account

So, you are regular - that's great. Yes, and a savings account plastic card- it is very comfortable. But here, too, there are downsides.

If you run out of money, you run the risk of withdrawing your savings or even spending them on an unexpected but very welcome purchase. And, most likely, you will, because withdrawing money is very easy: it is always within reach, you don’t even have to go to the bank, just use an ATM.

So how should it be?

Open a bank deposit for 6 months or a year. This way you will definitely not spend money intended for storage. Just don't invest everything. Leave a certain amount on the usual savings account for emergencies.

Strategy number 3. All my savings are in one account

When you have only one savings account, it seems that the money in it accumulates quickly and there is enough for everything. If you're only saving for one thing, like an apartment or a vacation, then you're fine. But if you have several goals, one bank account makes it difficult to calculate and you do not see concrete progress. It is more difficult for you to understand what is enough money for, and what will have to wait.

As a result, it turns out that, having spent savings, for example, on a vacation, you leave nothing for a new car.

So how should it be?

It is better to have several accounts, each of which will be dedicated to a specific purpose, for example: “for home”, “for vacation”, “for education for a child”. This will make it much easier to calculate your finances and see real progress.

Strategy #4: I save big when I can.

Some people don't save money permanently, but save right away. large sums when a lucky break occurs. In this way of accumulation, feelings of abundance and guilt alternate. The last one is when you have to take money from your savings. The frustration of doing so can even discourage you from ever saving money again.

So how should it be?

The best thing to do is to set yourself savings goals and work towards them. Decide on a specific amount of money to set aside each month. If it seems to you that it can be increased without compromising the quality of life, do it. But! Contributions must remain consistent and equal.

Strategy #5: I save everything I can

Despite the need to have savings, you should not get too hung up on this and deny yourself the pleasures. They help us stay happy and maintain mental health.

So how should it be?

If you haven't had a month in which you could contribute money to an "emergency fund", put off all other payments and pleasures until you can.

When your six-month "emergency fund" is replenished, Blaylock advises changing strategy. Since small cash savings bring little money, it is worth considering longer-term savings with good interest.

The desire to acquire something valuable for oneself is inherent not only in an adult working person, but also in a teenager who has not yet earned money.

And not always a grown child gets the desired thing. In most cases, parents simply do not have enough money to purchase all the "Wishlist" of their children.

Therefore, in order to get what they want, most teenagers begin to save money. And, by the way, most of them do it very well.

Today we will discuss what teenagers save money for, as well as for what purposes and how it is better for teenagers to save money.

What do teenagers usually save money for?

In the absolute majority of cases, teenagers save up money for things that their parents cannot buy for them at the moment. It could be new phone- a smartphone, it can be new branded sneakers, it can be a tablet computer or laptop.

Older guys are saving up for an "advanced" bike or moped.

There are also more "exclusive" cases. For example, the son of my friends has been saving money for a telescope for a long time. He really wanted to see the moon as close as possible. He had to save up for almost two years. But he achieved the result - the telescope he bought (not without the help of his parents) made it possible to see the Moon, and even consider numerous craters on it.

The savings goals of teenage girls are slightly different from those of boys. Girls also save up for smartphones - phones, but at the same time, many save money for new boots, beautiful jewelry, handbags and wallets. Of no small importance in matters of accumulation is cosmetics, for which many girls are ready to spend almost all their pocket money.

How and what is better for teenagers to save

It is best to save up for not very expensive things. For things that you can save up for, for example, within three to six months. The need to accumulate over a longer period simply reduces interest both in the process of accumulation itself and in the thing for which money is being accumulated.

The mood of adolescents is very changeable, subject to the influence of external factors and moods. And very often it happens that today they save up for a bicycle, and tomorrow they already want to buy a tablet computer, and the day after tomorrow - roller skates.

At the same time, it most often happens, especially among primary school children, that all the accumulated money is impulsively spent on entertainment or on some small, and, in fact, unnecessary purchases.

Also, when accumulating, do not forget that the thing must be desired. This is necessary in order not to lose interest in it in the process of accumulation.

And so, what is better to save up for?

For everything you want!!! For branded items, for a new gadget, for a new bike, a camera ... Yes, in fact, for anything. The main thing is not to lose interest in this thing in the process of accumulation and not to accidentally spend the money accumulated with such difficulty!

Are you spending your paycheck before you receive it? Do you want to learn how to save and save money, get out of debt? There is no magic financial wand, but a few simple tips will help you take control of your budget and save money for vacations, a car, and even an apartment.

Why you need to save and how to save money

• Savings is a "safety cushion"
• Putting aside more money means getting an additional degree of freedom.
• Improvement of living conditions
• Savings is the future of your children
• Set aside money for leisure and luxury goods

Only 30% of Russians know how to save and save. " Money can not buy happiness”, is an old hackneyed saying that leads people into a financial dead end and a debt hole. The truth is that money can help you achieve happiness. Money is not the root of all evil, but a tool - it all depends on how you use it.

famous american actress Joan Rivers stated: "People say that money is not the key to happiness, but I always believed that having enough money, you can make this key."

And you need a key?

How to learn to save money

Can't save money? They are going away " through your fingers"and are very similar to honey, as in Winnie the Pooh's song "... if it is, then it is not immediately there." Know, you won't save a dime until you know exactly where your earnings are going.

Saving isn't as fun as spending, but nothing is impossible. golden rules family budget, formulated by financial experts, will help you understand how to start saving money and not go astray. Below we will consider the secrets and ways to save money in any conditions.

Secret #1: Cost Accounting

How do you decide where you can save and save money if you have no idea about your expenses? we have already written. Download an excel spreadsheet, optimize it for your needs and start recording expenses without putting off until tomorrow. Get a notepad, install if you don't like spreadsheets.

How much is spent on housing, food, taxes, debt and entertainment?

Once you have a clear picture of spending in a typical month, you can identify problem areas. How much to save money and what unnecessary, impulse purchases can be reduced, will become clearly visible in a few weeks. IMPORTANT! At first glance, it may seem silly to you to write down all your expenses, because you already know everything, but when your financial statistics lie in front of you not for a day or two, but for a month, you may be surprised at the amounts that go to certain things. This will help determine where you spend more and what you can save on, because in the conditions of one day it can be trifles, but in the conditions of a month it can be an alternative to a new refrigerator.

Money set aside for the future is a guarantee of confidence in the future.

Basic principles of the budget:

1. Develop a plan: clearly define goals and set realistic deadlines for the implementation of all items. Save money just for " rainy day”is a losing strategy in a psychological sense. People are so arranged that they need " kick”, that is, a certain threat to well-being, or motivation. Saving is easier if a long-awaited and cherished dream looms ahead: an apartment, a car, or something not global, but no less important for you. Goals can range from a long-planned purchase of a new TV to a trip to a country you've wanted to see since childhood. It will be great if she can really inspire you. Your goal was as specific as possible. That is, not abstract good tv”, but a specific model. Or a trip for a certain period of time to a clearly defined country with a rough list of places to visit. Set long-term and short-term goals, calculate how much money you need to save per month, and stick to your plan. Trust the experience of a successful businessman Stephen Covey: "Goals are pure fantasy unless you have a specific plan to achieve them."
2. Separate needs from desires, understand the difference. Easier said than done, but make it a rule to take a break before buying. Before grabbing another stiletto or an exceptionally wonderful fifth spin, “ sleep over”with a thought for several days, especially since the pleasure of waiting for a purchase is much more than after the purchase.
3. Pamper yourself sometimes! The difference between frugality and stinginess is about the same as between a fast and a healthy diet.

Secret #2: Pay Yourself First

You have probably heard this phrase more than once. Do you know why it is often repeated? This principle works. Paying yourself means putting aside a certain part of your earnings on a deposit, a separate account, or simply putting money in an envelope.

But putting money away from your paycheck at the end of the month - just what's left after all the expenses - is a huge mistake that the vast majority make.

Savings should be thought of the same way as any other account. When the receipt for electricity, cable TV or telephone arrives, what do you do? This is how you should treat yourself savings account. If your goal is to accumulate conditionally 10,000 rubles per month, pay for this item first.

Secret #3: Spend less than you earn

No, it's not about downshifting, do not be afraid. We are talking only about reasonable savings and planning for the future. Think for yourself: if you earn per month 50 thousand and spend 55 , the budget balance will be not minus 5 thousand rubles. Most likely you have used credit card, and you will have to repay the debt with interest, which means that in the future you will need to shrink not by 5 thousand, but by a large amount.

Zero balance is already better: you know how to plan, but you don’t know how to save money. In this case, you run the risk of being unprepared for unforeseen expenses that life regularly throws up.

What worked for Rockefeller 100 years ago, still working today. The tools change, but not the principles of economy.

How to save money and not spend it

“... It can be a fool to make money, but it takes wisdom to save and manage it for your own benefit,” Brigham Young, the spiritual leader of the Mormons of the 19th century, had 55 wives and managed to plan and save the budget of his rather big family.

Let's face it, even if you increase your income, financial situation will not change - you just allow yourself to spend more. The only way out is to learn how to control expenses and save money.

When is the best time to save money?

The answer is unequivocal - immediately after receiving them. This is the basic rule of thumb personal finance. By saving money right away, you simply remove it from the family budget and automatically adjust yourself to the desired financial framework. Otherwise, a typical situation arises when there seems to be a lot of money at the beginning of the month, and it seems that there is nothing wrong with pampering yourself a little. By the end of the month, the wallet is empty, and you spend only on the most necessary things, and suddenly it turns out that you can’t put it off this month. Therefore, the correct solution would be to set a specific day (usually this is the date when the salary comes) and regularly replenish savings on that date. Deposit and forget - nai The best way save money.

15 ways to save and save money

1. Set aside money for essential needs in four envelopes - one for each week. Put the money for targeted savings in the fifth envelope and hide it away if you have not opened a deposit account.

2 . Put your credit/debit cards out of your wallet, take cash for the amount you planned for the week.

3 . Open a deposit. You can create separate accounts for each item of savings: for cars, vacations, the future of the child. The magic of compound interest at least compensates for inflation, if it does not multiply the deferred. You can save money on a card if you are absolutely confident in your willpower.

4 . Plan your menu for the week ahead and make a grocery list. Firstly, this will save the home cook from the heavy thoughts “what to cook tonight”, and secondly, there will be no situation when the refrigerator is full of remnants of expired products.

5 . Go to the store when you are short on time, if you have an hour left before an interesting TV show or important business. With a shopping list in hand, you literally “fly” through the retail space and avoid the temptation to buy unnecessary things.

6 . Buy in bulk whenever possible. Chain stores constantly arrange promotions and sales for some items. Rice, pasta, toothpaste, toilet paper, etc., bought at a discount, are a good start for savings next month.

7 . Pay bills on time. Automate payments if possible. Late fees are a minus of your budget. And do not wave your hand that, they say, quite a penny has run up there: a penny saves a ruble.

8 . Check the price before buying anything expensive. Go online and see if another seller is offering a better price on the item.

9 . Avoid impulse buying. Wait a day or two, consider how much you need this item, check the price with other merchants.

10 . Review internet rates mobile phone and satellite/cable TV. There are examples when people overpaid five times more for TV, because they did not know about the price changes. Operators will not transfer to favorable tariff without your participation.

11 . healthy image life is the way to a healthy budget! It's not easy, but try to give up bad habits. Just multiply the cost of a pack of cigarettes by the number of days in a year. You could save this money.

12 . Allow yourself pleasant spending, psychological comfort - above all. New clothes, gatherings with friends over a glass of beer - why not? But don't get carried away. Remember the plan - you have a goal.

13 . Take a look at the cabinets. How can you save money here, you ask? Sell ​​what you no longer wear. Take it to a thrift store or advertise on an online site. The proceeds of unplanned money are put aside in envelopes or in a bank.

14 . Plan your vacation in advance. The cost of hotels, air and train tickets is usually lower if booked six months or a year before the trip.

15 . Do not give up. " When everything seems to be against you, remember that the plane takes off against the wind...". (Henry Ford).

How to learn how to save money with a small salary

Yes, it is not at all as simple as all sorts of financial analysts and experts like to recite, but there is no other way out. You don’t have to reinvent the wheel, the basic rules on how to properly save money from your salary:

• Be sure to keep "home accounting", where you make absolutely all your income and expenses. Once you can see for yourself exactly how much money you spend on various needs (food, utility bills, entertainment, etc.), it will be much easier to analyze and determine which categories of expenses can be cut. In the future, this will help to calculate how much money you can save painlessly for the budget.
• Before going to the store, make a shopping list and do not take more than the amount needed for your list. All kinds of marketers and merchandisers do not eat their bread in vain: according to statistics, without a clear plan, the buyer spends on average 1.5 times more money in the store than planned.
• It is much more profitable to cook food on your own, without resorting to the services of cooking and semi-finished products. It is useful not only for the wallet, but also for the stomach.
• Don't buy things you don't need just because they are cheap. As practice shows, in most cases, after the purchase, such things remain gathering dust on the shelves and in wardrobes, waiting for the right opportunity that will never come.
• Control utility bills and expenses. Make sure that lighting fixtures do not work in vain in the rooms, and there must be meters for water and gas.

What to do if you can't save money at all

In this case, you can resort to radical methods, eliminating absolutely all expenses that you can do without. This method is often referred to as the "financial diet", it includes the exclusion from your expenses:

• Absolutely any entertainment;
• Products that are not categorized as essential. Roughly speaking, a list of foodstuffs for a week is compiled, which should be enough for a normal diet. Then there is a purchase according to this list, and any additional expenses are simply excluded;
• Meals in cafes, restaurants, bars, etc.;
• Spending on clothes and other things, if there are old ones in a more or less tolerable condition;
• Unnecessary trips by own and public transport;
• Any other expenses that are not necessarily required.

You need to seriously consider whether it is worth saving money in this way before resorting to this method. Because the goal for which you decide to save money in this way must be really worthwhile. Otherwise, it is unlikely to compensate for all the hardships that you have to go to. And as practice shows, it is much more difficult to start saving money with not very successful experience behind you.

How to save money for a car

Before you inhale the smell of the interior and enjoy the smoothness of the car, you must return to the point " budget". The car is now not only a means of transportation, but also a way to "splurge" and seem not what we are. 86% of those who drive expensive and prestigious cars are not millionaires. Moreover, related expenses: gasoline, winter tires, insurance and maintenance, often turn out to be an unbearable burden for the family budget. You don't want to hear this, but live within your means!

« 20% rule", which residents are guided by Western countries, says that the cost of a car should not exceed twenty percent of annual income. Alas, this rule is rarely applicable in our realities, so we will focus on the cost of service and credit.

How much should a car cost

You must not spend more than 10% of your monthly household income on car maintenance. Less than 10% is even better. This should include all costs for the car:

• • • loan price;
    • insurance;
    • vehicle tax;
    • Maintenance;
    • summer/winter tires;
    • refueling and washing;
    • parking fees.

The more expensive the car, the higher the cost of maintaining it. In the event of a road incident, damage repair can ruin and land on the " starvation ration» family. Think about it.

How to save money for a car

Buying a car, new or used, is the second biggest expense for most people (after an apartment). This is a medium-term goal that you need to fix in the budget and determine how much money you need to save each month.

From a financial point of view, a car is not an investment. The machine loses almost a third of its value in the first year of operation, requires investment and fixed costs.

The less you spend on a car, the more you have left for everything else.

A brief reminder on how to plan a purchase and save:

• Do the math: add insurance, installation of a security alarm and diagnostics to the cost of the transport itself (if the car is not new). Leave room for maneuver just in case: unscheduled oil changes, changes in insurance. Divide the resulting figure by the amount that you are able to save regularly from your salary. The result is the period for which the money will accumulate.

If you decide to take a car loan, determine how much you can pay each month. Try not to go beyond the budget outlined above.

• Spend a little time and take an interest in the terms of lending from car dealers. A little note of advice: in December - January, many merchants reduce prices or offer interest-free loans, monitor prices.

Generally, the higher advance payment, the lower interest rate. Therefore, it would be optimal to find a middle ground: set aside part of the money in advance, get a loan for the remaining amount.

• Bargain! Ask in the salon about possible discounts. At the end of the reporting periods (month or quarter), the head of the sales department can meet you halfway and make some discount.

At a minimum, you will be offered rugs, protection, or some other useful little thing as a gift.

• Now that you've determined the cost, timing, and your options, let's move on to the tricky part: stick to the plan and save.

How to save money is your decision; the best way is to do it automatically. Get a separate deposit account in a bank with the possibility of replenishment and capitalization. The money in the bank will grow a little. Set a regular payment from the main account, every month the bank will transfer the agreed amount to the specified deposit.

Or, in the old fashioned way, put the signed envelope with money in the chest of drawers. Seal it! If one day you feel an irresistible desire to plunge into the “stash”, you will think “is it worth it” while you open the envelope.

How to save money for an apartment or house

Buying an apartment or house is one of the biggest financial steps in life. If you are not a rich celebrity, you will have to learn from experience how to save money from every paycheck. On the one hand, this is a difficult task. But the prize is great! Own square meters are expensive both literally and figuratively.

In fact, there are only two options for buying an apartment:

• entirely for cash;
• loans plus cash.

Mortgage or savings?

It may seem crazy to save money for an apartment or save money to buy a home without a mortgage. However, have you thought about the overpayments, which reach very impressive sizes?

For example, big two-roomed flat in the regions it costs from 2 to 2.5 million rubles. Let's take the minimum. Suppose there is accumulated money or maternal capital- 500 thousand rubles, that is, you will have to borrow from the bank about one and a half million under the minimum bid 11% per annum. A twenty-year mortgage will cost you an extra $2.2 million.

Do you want to know how much money and how long you need to save monthly to save the same amount? To make the comparison clear, let's assume that it was decided to save 15 thousand rubles for the future. Monthly capitalization, replenishment of the deposit will give the desired result after 6 years of slow savings.

Bonuses, proceeds from the sale of second-hand goods, other additional income should go directly to the deposit. This will significantly speed up the accumulation and bring the long-awaited “X-hour” closer.

How to save money for an apartment

« ...ordinary people... housing problem just ruined them...- Woland looked into the water. Buy your own home in modern conditions- a difficult task, but solvable.

• Take note of 15 tips to save money and consistently stick to the chosen strategy.
• Enlist the support of loved ones: if you are forced to rent a house and at the same time save for an apartment, try to “compact” a little and temporarily live with your parents.
• Americans often let tenants into a spare room to cut utility and rental costs. Consider the idea, it is not as bad as it seems at first glance.
• Review your current apartment rent: maybe choose a less expensive area?
• Set up a separate savings account, but don't forget to add to the "emergency" fund. Housing savings is the last place you can get money in an emergency.

Discipline, planning, thrift, budgeting – those boring accounting terms that have been bugging you as you read…

Think Different: independence, freedom, impressions, your home, confidence in the future.

The ability to save money and take care of every penny will give you the key that we talked about at the beginning. The key to happiness that you can make yourself.

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