You noticed that there are people who do not get money out of money, while others - like water flow between the fingers, no matter how many of them have gone to them. As a result, some have bank accounts and a "safety cushion" for several months in the event of force majeure, others - a bunch of debts. Yes, and the crisis adds problems.
How to save money?
Money is a dangerous "product", and in the desire to acquire (or take away from another) there are people who are going to any tricks. Suffice it to recall Ostap Bender, who knew a lot of ways to "honestly take money from the population", so we'll explain a few rules that will help understand how best to save money.
- It is necessary to get used to buying only what is needed, that is, to accustom yourself to save.
- To understand how to save money from inflation, you need to learn to keep a record of incoming and outgoing funds every day - this will give an opportunity to analyze where and in what amount the family budget is spent.
- Before you buy anything on seasonal sales, remember how much the thing you needed before the promised discounts: it is possible that behind the bright discount price is even an increased price for the goods.
- Teach children financial literacy: they must understand that money does not fall from the sky, and learn how to use them rationally.
- Do not want to lose - do not be gullible. There is, of course, even a harsher advice: to question everything. For example, you need to consider whether someone who can not earn money can teach us how to earn big money.
- The less often we occupy acquaintances, relatives and friends, the more likely that we will not lose our money . Do not refuse at once, but do not hurry to agree: "until tomorrow" everything can change. If you decide to take it, do not hesitate to take a receipt.
- Do not take loans, and if they did, then give it on time and do not try to take a new one to pay for the old one, otherwise it will be very difficult to get out of this debt hole.
However, I would like to know not only how not to lose my money, but also how to increase their number.
How not only to save, but also to increase money?
1. Personal savings . You need to learn to postpone every month a certain amount, even the smallest, but - a large bill. Deferred money should not be spent as if there are none at all; at the same time, at least monthly, their stock needs to be replenished. This allows you to save the start-up capital for later investment.
2. Bank deposits . Trust the deposit accounts of a financial institution that has a good reputation and high reliability; Do not believe the promises of sky-high interest rates: the more attractive the promises of high interest, the greater the risk of losing all your savings. And remember the rule of "eggs in one basket": do not keep your savings in one bank.
3. Investments . An even more profitable way to increase money is to invest, which can not only increase profitability, but also provide invaluable experience in this area.
The most profitable niches in the sphere of investment for today can be considered: