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Most financial gurus assure that you can save money from any salary. And if someone says they can't do it, they're just looking for excuses. However, sometimes it's worth leaving the magical Pink Colony and studying statistics.
In 2020 (Rosstat has no more recent information), the median salary in Russia was 32.5 Median salary calculated on the basis of administrative data of the Pension Fund of the Russian Federation / Rosstat thousands before taxes. This means that half of all employed people receive less than this amount. Many people manage to support a family on such a salary, pay a mortgage.
It happens that a person spends money very diligently, but they still only have enough for the most necessary things. In order to have the potential for savings, you first need to increase income.
The previous paragraph looks very reassuring for those who can't save anything: there is not enough salary for everything, where can I save here. The nuance is that "there is no money" is a subjective feeling. Too much depends on a particular person and his lifestyle. It will be possible to say unequivocally whether you can save money or not only after studying the expenses.
Often, if you look at the list of expenses, there will be purchases that you can still refuse and save some money. First of all, these are expenses that serve bad habits, but not only.
If you've never kept a record of what you've spent, try it. This will help you learn a lot about yourself and your financial habits.
It is perceived quite normally that a person learns to walk, hold a spoon, read. But the approach to finance is different. As if by a certain age, a toggle switch responsible for the rational handling of money should turn on in us. And if a person is a spender or gets into debt, then something is wrong with him.
But financial literacy also needs to be learned. It's just that someone does it organically. For example, parents did not hide how they distributed the budget. If there was not enough money for some thing, they explained in detail how it works and why not everything can be bought. And the child also had pocket money that he could spend or save and see what would come of it.
But it happens that financial affairs pass by children. The child grows up, remains one-on-one with money and believes that if you receive 30 thousand a month, then you can accumulate 360 thousand in a year. Naturally, he will have to fill the cones on his own.
But you can not rely on chance and take a course of financial literacy . And it is better to choose one where they do not promise any miracles, they just explain the basics. There are even a lot of free ones. But it's not worth paying for webinars "How to make a million in a week". Only the author earns a million a week on them.
Many people approach finance with maximalism: you can't save up for a yacht and a skyscraper anyway, so why bother? Perhaps a rational approach to money will not make you ultra-rich. But someone who knows how to save can afford more than if he were to spend everything he earns on the spot.
So you should reconsider your attitude to finance. People, sometimes, successfully save up even for cars and apartments. Isn't this an indicator that the approach is working?
Saving up can be hard if it's not clear what it's all about. You deny yourself a lot, you don't allow yourself any joys, but what is the result?
That is why, in order to successfully create savings, it is important to understand what exactly you are saving money for. Moreover, it is better when it is not an abstract goal, but a definite plan to achieve it.
For example, you are saving up for a dream vacation. You need 300 thousand. It's good if you not only found out how much tickets cost, but also wrote down how much you need to postpone each month, track how you manage to move towards the planned. So it becomes obvious for what you are a little shrunk now.
This paragraph echoes the previous one, although not completely. Because it is possible to save without a goal, but without a system it is unlikely to be effective. A person just sometimes remembers: "I seem to be saving up, something needs to be postponed ." And the process is chaotic and unpredictable.
It's much easier if there are some rules. For example:
Rules can be invented any . It is important that they are doable and easy to remember.
With savings, it's like with a diet: if you limit yourself too zealously, there is a risk of breaking down and going on a rampage. To deprive yourself of all the pleasures is still not worth it.
It is not necessary to save money by saving on something important. As a result, it will come out sideways and force you to get into the piggy bank. Let's say you don't treat a tooth (although you know it's necessary) because it's expensive, but it doesn't hurt. But when emergency intervention is needed, it will cost even more.
So you need to spend money on the necessary things. This affects not only the financial condition, but also the quality of life.
It's easier to restrain yourself and not let go of savings if you don't find yourself in situations that encourage you to spend. For example, do not enter shopping malls during the sales period, do not scroll through the website of an online store out of boredom, do not receive promotional mailings. Think about what pushes you to make rash purchases, and try to avoid these triggers.
Attitudes are ideas that determine our behavior. Their formation is influenced by their own experience, parents and environment, TV and literature — literally anything . They allow you to quickly make decisions based on templates in certain situations. But sometimes beliefs are formed incorrectly or become outdated, and therefore do not work and only spoil everything.
You may also have such installations. For example:
The list goes on, but it doesn't make much sense. Usually negative attitudes are not so easy to catch, so you can't get off with one reading here. It is much more useful to learn how to hear something inside you (perhaps in the voice of your parents ) that prevents you from changing your financial habits.
