Top 10 financial mistakes that make everyone

Managing personal savings is not an easy task. And the path to financial stability is often full of trial and error. Analysts say that most of us have the same mistakes that do not allow us to competently "steer" our cash flows.

We offer a look and "try on" Top-10 financial mistakes that make all .Perhaps some of the above mistakes will help someone to correctly correct their own strategy on the way to prosperity.

10. Do not plan pension accumulations

Many people of working age make the same mistake,believing that the pension will come in some infinitely distant period. However, it is necessary to start saving money for old age as early as possible: investing in NPFs, real estate, and bank deposits. Pre-made savings will not significantly reduce the quality of life after reaching the retirement age.

9. Borrow to friends

These are large amounts. Financial advisors seriously believe that a major debt is a good reason to spoil relations with a loved one. And problems with the return of money arise quite often, and we can not "press" on friends for a number of reasons.

8. To lay down housing for obtaining a business loan

For many, it is tempting to have the opportunity to get starting capital for own business on the security of housing. Alas, practice shows that often things start to develop not so rapidly, as you want. And the borrower has to either deteriorate their own housing conditions, or sell a not very efficient business.

7. Agree to the salary "in the envelope"

Envelopes on the pay day are still common in Russian companies. Unfortunately, the employer actually gets an opportunity to stop payments at any time, leaving to his employees the minimum allowable amount under the law.

6. Take small loans

Refrigerator, vacation or the best mobile phone on credit. .. Psychologists argue that dependence on loans is becoming one of the diseases of our century. Inability to save money and the opportunity to issue a loan within half an hour lead only to the fact that, without noticing, people are in debt in debt.

5. Do not save on utility bills

We all abuse high tariffs, but do not rush to install two-tariff meters, energy-saving lamps or economical household appliances. Meanwhile, it has been calculated and proven that with small efforts and great desire, you can reduce the amounts in receipts for water, gas and electricity by 30%.

4. Do not pay attention to small expenses

Do we often think about the fact that a daily chocolate bar, a weekly glossy magazine or regular trips by taxi - are tens of thousands of rubles a year? By the way, the desire to save - this is a great reason to get rid of bad habits, as a way to quit smoking, which takes a lot of money.

3. Store money at home

Even a short-term bank deposit for 90 days can provide 5-8% per annum, saving savings from inflation, not to mention the risk of robbery. Today, banks offer a lot of options, including replenishable deposits, for which, for example, you can add 5-10% of your monthly salary.

2. Do not plan your purchases

The lack of planning in small things leads to the fact that about 30% of everything that is in the basket during a visit to the supermarket is a useless waste of money. And if you do not plan large acquisitions - a car, appliances, etc., it's easy to become a victim of a "credit" illness, gradually accumulating unnecessary debts.

1. To hesitate to ask for an increase in the salary of

It's so nice to be a "good guy" or "share a girl" in the office and deliver a minimum of hassle to your bosses. However, false embarrassment and fear leads to the fact that income does not grow at the same rate or does not grow at all. Particularly in such a "hardship" are women who are forced to talk about raising their salaries or positions are often more difficult than for more assertive male colleagues.