Top 10 Best Ways to Save Money

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No one likes to save, but from time to time, almost everyone has to do it. It turns out that it is not necessary to limit yourself literally in everything, so that you do not have to "borrow up to pay" every time.

Today we offer Top-10 best ways to save money , allowing you not to deny yourself completely in rest, entertainment and other usual things.

Content:

  • 10. Save on household energy
  • 9. Save on entertainments
  • 8. Save on food
  • 7. Do not borrow
  • 6. Plan
  • 5. Divide spending on categories
  • 4. Ask for the right things for free
  • 3. Dress on sales
  • 2. Set aside on deposit
  • 1. Monitor your health

10. Save on household energy

When planning the purchase of household appliances, it is necessary to pay attention to the energy consumption class. Refrigerator class A will save a couple of thousands of rubles a year in comparison with a less economical fellow. The computer, TV and other unused electronics should be connected via a mains filter. At the end of the operation, simply by pressing the button, all devices can be de-energized by switching to economy mode. Energy-saving lamps are also an affordable and effective way to reduce utility bills.

9. Save on Entertainment

It's not at all necessary to buy glossy magazines, DVDs and subscribe to newspapers. On the Internet you can freely find almost any information, as well as a lot of entertainment content.

8. Save on food

There are several ways to save on food. Option 1 - to take lunch with him to the office from home, without spending money on food in a cafe. Option 2 - buy products once a week in the wholesale market, and not in the store near the house. Option 3 - to buy food only for a full stomach, a hungry person will certainly buy a lot of unnecessary "yummy".

7. Do not borrow

The habit of taking debts sooner or later leads to financial collapse. The acquisition of the latest smartphone model on credit is certainly not the best option for those who are in the economy mode. You can borrow money if the purse is left at home and there is nothing to pay for lunch.

6. Plan

You need to know the main articles of your income and expenses. Highlighting the priority payments( communal, food, mortgage, etc.), you can calculate more or less free balance and understand where the money goes. Sometimes scrupulous fixation of incomes and expenses within several months allows to lower the expenses for 5-7 percent.

5. Divide expenses into categories

Plan expenses better by category. Making a budget for a month, you need to plan spending on food, entertainment, clothing, loans, etc. For example, for clothes a month is allocated 5 thousand rubles. If you bought a jacket for 10,000, then next month we exclude such an article as clothing from the budget. It's important not to trick and throw money between categories.

4. Ask for the right things for free

Surprises for the holidays are, of course, nice. But you can directly say that on the day of birth you really want to get a DVR or tell everyone that the best gift is money, motivating what you collect for a large purchase.

3. Get dressed on sales

. No matter how much you want to buy a new down jacket by the beginning of winter, it's better to wait until the sales starts and buy a new one half cheaper. Economy mode - this is definitely not the period of life when you need to dress exclusively in branded things from the latest collections. And so classic jeans, bought with a big discount on the sale, will serve not one season.

2. Set aside

As soon as you manage to reach the next salary not at zero, but with a small balance, do not immediately spend the money saved. From 5 to 30% of the salary can be tried to be postponed. If the salary is received on a bank card, then it is possible to issue an instruction in the bank to automatically transfer, for example, 5% of the amount received to the deposit each month.

1. Monitor your health

The cost of medicines, examinations and visits to doctors can be thousands of dollars. Therefore, a healthy healthy lifestyle is not a luxury, but a very is an effective way to save money .It is not necessary to spend money on the gym, but it's essential to walk in the fresh air. It is not necessary to buy expensive vitamins, but you must quit smoking. Such simple rules will surely save you from considerable expenses.