How to spend money correctly

Greetings, dear readers! I remember that two years ago my uncle had almost nothing at all. All the money earned was immediately spent or distributed to friends as a debt.

And now the situation has changed dramatically. Uncle made an excellent repair in his apartment, bought a new car.

And all that was needed was to reduce the expenditure side of the personal budget. Want to know how to spend money the right way? What expenses can be safely avoided? In the material below I will share with you extremely useful recommendations.

We all make the wrong financial decisions from time to time: we buy two chocolate bars for the price of one, we accumulate discounts on loyalty cards, we collect extra items at sales. We understand that we don’t really need all this, but we justify ourselves:

• So what if I already have a hard drive. I will buy another one in reserve, since such discounts.
• Yes, as long as I have nowhere to wear this dress. But when the opportunity presents itself, I will be irresistible in it.
• Now, if I buy a subscription to a fitness club for a year right away, then I will definitely start going to the gym. What's more, it'll be cheaper.

As a result, the hard drive is left unpacked, the dress takes up space in the closet, and you appear at the fitness club a couple of times by the end of the year. If you recognize yourself in these examples, this article is for you. We will tell you what prevents you from making informed financial decisions, how to spend money correctly and how not to succumb to the provocations of marketers.

Relive emotions

There is a stereotype that women are more prone to unwise purchases. This is not true: neither men nor women have a section in the brain that is responsible for rationality in finance. It does not depend on gender, age and social status. But it depends on emotions. They most of all interfere with spending money correctly:

1. Sale! These pants cost 6000₽, and now only 2000₽! I take! And a butterfly to them, soon anyway to go to the wedding.
2. These are the shoes of my dreams! I've always wanted these, but I couldn't find them anywhere. So what if I already have three pairs, I need THESE! URGENTLY!
3. Ooooh! What a cute notebook! I'll buy a notebook, it will always come in handy.
4. What am I, in vain hunchbacked the whole month? I deserve this quadcopter!

Then you realize that you got excited and swear that you will no longer make such unreasonable purchases. But you guessed it wrong: emotions will rush in again and make you buy the very thing without which you cannot live. To prevent such behavior from becoming a hindrance to a secure old age or a family trip abroad, fight with emotions.

Warning!

Suppressing or ignoring emotions is not an option: they will win anyway. So, you need to survive them: if you suddenly want to buy a thing unplanned, run for your life. In no case do not enter into a conversation with the sellers: “How much do you still have left? Understand quickly? It doesn't matter, rather go away and do nothing until the morning.

And in the morning ask yourself: “Why do I need this thing?”. Think through the scenarios in which you will use it, only objectively. How often will you do this? Can you really afford it? And if you don't buy it, what will you spend your money on? Now you know what to do.

It is useful to do this even with regard to nonsense expenses. Small expenses are the most dangerous: one purchase is imperceptible for the budget, but it is worth counting them for a year, as start-up capital is accumulated for a decent old age.

Compare prices

Remember how many times you came to the store for a particular purchase and immediately bought there without comparing the price with other stores.

Imagine that your friend ordered a leather case for a smartphone in an online store. You decided to order the same and went to the same online store.

Ordered a case and paid 200 for shipping. You are happy with the purchase until you accidentally find yourself in another online store with the same cases for 400 cheaper and free shipping. Would have looked better, saved 600.

Most likely, when you buy something, you are not too embarrassed by the cost of it. Once you are willing to pay, the thing is worth it. But before you part with your money, imagine how you would feel if you later find the same thing cheaper elsewhere? What could you spend the difference on?

But what if you postpone this difference, next time add one more difference to it, then another and another. Put that money at compound interest, open a brokerage account, buy stocks that will rise 25% every year? Of course, your plans did not go that far, but just appreciate the magnitude of one small difference in price.

Do not rush to give money to the seller. If you really need a thing, look elsewhere and choose the most economical option. If you need this thing suddenly and irrevocably, go back to step 1.

Don't give in to the environment

Psychologists say that we are like the people around us. If you take your five closest friends and calculate their average income, your income will be about the same. The same applies to the number of working hours, trips abroad and spending:

Attention!

Week before payday, friends call to the bar. You have no money, so friends pay for you in debt or you pay with a credit card. So, you have already started spending a salary that you have not yet received.

A friend bought a subscription to an expensive fitness club and tells about cozy changing rooms, attentive instructors and a clean pool. And now you are no longer satisfied with the rocking chair in the basement of your house, and you buy a subscription to a friend's fitness club. It turns out that you paid for a subscription, and for the entire duration of the subscription you will spend money and time on the road to the fitness club.

An acquaintance three times a week posts photos of new knick-knacks on Instagram: jewelry, perfumes, clothes. You want to be no worse, and you buy this too.

You are invited to a wedding. You know that there will be wealthy guests. In order not to lose face, buy a gift that you cannot afford. Still spend money on an outfit, a hairdresser and a taxi.

The environment is the most emotional reason for irrational financial behavior: you are happy to spend less, but your friends will not understand.

Try this:

• Unfollow the braggarts on social media. It is not necessary to remove from friends, the main thing is not to see them in the feed;
• talk to close friends. Let them know that you can no longer spend a lot of money, explain why this is important to you. Set a rule: I can spend 5000 on entertainment per month, as soon as you run out of them, the entertainment for the month is over, you do not take on debt.
• set an example. Let not friends influence you in finance, but you influence them. Tell us where you invest your money, what part of your salary you put aside, what you save for, how you manage your household budget.

be moderate

Remember that spending money wisely does not mean not spending it at all. Just identify the superfluous and irrational in order to save for something more important: education for children, home, old age. You won't feel happy if you can only spend on retirement.

But also you will not feel happy if you pamper yourself in your youth and spend your old age in poverty.

source: http://money.tradernet.ru/kak-pravilno-tratit-dengi/

How to properly manage money?

Remember how many times on payday you went into all serious trouble, and then after a week of unreasonable spending, you began to suck your paw, cursing yourself for squandering.

With all this, you were surprised to see people giving you advice on how not to spend money, considering them boring misers. And they probably complained more than once: “It's all about the small wages. If it were bigger, then there would be no lack of money in my life. I hasten to disappoint you: you are not alone in your delusions.

The painful process of changing attitudes towards money and spending, getting rid of illusions about a small salary, I observed on the example of my friend Yana. After graduation, she went to work in a state organization with a really small salary, which was not enough for anything.

A year later, she moved to a private office, the salary in which was twice as high as her previous one, but Yana still did not have enough for anything. After another year of work in a private company, a friend was promoted, significantly increasing her salary. But here are the miracles: Yana did not stop complaining that “there is no money”.

When I got tired of her whining, I decided to stun my friend: “Look: in just two years you began to receive almost 5 times your first salary, prices have not increased significantly during this time, but still you continue to complain about the lack of money. So maybe it's not about bad employers that they don't give you millions, but about your attitude to money? Maybe stop messing with them?"

Warning!

To begin with, remember: money, regardless of its amount, must be treated with care. Money does not tolerate disrespect, so you can not:

• scatter them anywhere (even if we are talking about small coins);
• carry them crumpled in pockets or a micro-wallet;
• do not know their account;
• rush to spend as soon as some bill fell into your hands;
• ignore the possibility of their multiplication.

If you don’t do all this, that is: you don’t have “white” (1, 2, 5) pennies scattered around the house, you have a big and beautiful wallet that you adore (this is important!), you know how much money you have, what expenses you have made, and do not miss the opportunity to earn more than now, which means that the problem lies in the fact that you simply do not understand how to spend money correctly.

"An ignorant attitude towards money breeds greed and great fear." Robert Kiyosaki

5 sure ways

Plan your expenses. This means that you should not make rash purchases, even if all your nature requires you to immediately buy an absolutely useless, but such a beautiful vase.

When you go shopping, always make a list and stick to it unless you forgot to put in something you really need.

Live within your means. You must be clear about what you can afford on your salary and what you can't. It is only little fools who can demand expensive purchases from their mother, not paying attention to the presence / absence of money, an adult is simply obliged to control his impulses.

Don't get loans that you can’t give back, get rid of the habit of constantly borrowing, because sooner or later this will lead you to financial ruin.

Distribute your paycheck right away. If you receive it in cash, then, when you come home, immediately distribute the bills into different envelopes: “for rent”, “for food”, “for clothes”, “for entertainment”, “for summer vacation”, “for the future” and etc.

Attention!

There is no need to castling for a month and pretend that the money from the envelope “for food” itself crawled into the envelope “for clothes”.

An envelope “for the future” is generally an emergency reserve that needs to be transferred either to a deposit, or at least to a traditional piggy bank.

How to spend money correctly?

Love sales, promotions, discount cards. Today, megastores offer many opportunities to save money on essential (and often spontaneous) purchases. It's a sin not to use them.

Accustom yourself to do behind the course of promotions and sales. Also, don't ignore the purchase of non-perishable products at wholesale prices.

Learn to save on what you can. The presence of meters significantly reduces the cost of utilities.

Many old things can be reanimated, not thrown away. Dinner cooked with your loved one and eaten in a romantic setting by candlelight is no worse than a restaurant meal. Gotsanya in a nightclub should be changed more often for visiting theaters, exhibitions, festivals - both cheap and useful.

Don't go shopping on payday. Wait at least a few days, and when going to the store, do not immediately take all the money you have, take only the amount needed for planned purchases, plus 40-50 rubles (just in case).

Keep money on a bank card. If you receive a salary on a card, then do not remove it all at once. Withdraw the amount needed to pay utility bills and purchase groceries, let everything else stay on the card for now.

Advice!

Moreover, it is better not to carry the card with you, but leave it at home so as not to succumb to the temptation to pay for an unnecessary purchase at the terminal.

When necessary, know how to enable austerity mode. Have you bought the coveted expensive shoes, or did one of your relatives suddenly fall ill and need money for treatment? Then turn on the austerity mode: no extra spending so as not to break out of the budget.

Don't be afraid to say "no". Friends invite you to a nightclub, cinema or bowling, but you don't have the money for it? Just tell them "No!", these are not the last buns in your life, you will find more where to spend your money.

Get rid of bad habits. Do you realize how much a pack of cigarettes costs today? You ruin your health for money every day! Now calculate your monthly expenses for the muck that kills you!

I hope you understand how to spend money correctly, and you will no longer complain about a small salary, but simply change your attitude towards it.

source: http://dnevnyk-uspeha.com/interesnye-fakty/kak-pravilno-tratit-dengi.html

Secrets of home "accounting"

Well, why does it turn out that at the beginning of the month you put a large amount of money in your wallet, and after 15 days the bills disappear somewhere, as if it were not a leather purse, but a real sieve? And this applies not only to women (who are considered terrible spenders), but also to men.

It's actually quite easy to save money. It is much more difficult to persuade yourself to make some kind of sacrifice for the sake of well-being.

People naively believe that a single purchase is not able to unsettle. Maybe! And not just for one month. Therefore, it is so important to open your wallet with a sober head. How to learn it? Follow the advice:

Record purchases

Remember how our grandmothers scrupulously collected checks from stores and kept home accounting? Then their behavior seemed petty. But they were right and knew exactly how to spend money wisely. Try yourself for at least a week to write down all your purchases, up to travel tickets. No, you won't save money that way.

Warning!

But you are guaranteed to notice a few items of expenditure that could be cut. For example - endless cups of coffee that you buy in the office lobby. Or the tenth bottle of perfume this month.

After all, you will still give out "objectionable" fragrances to your friends, so why buy? And do not say that such purchases cheer you up. Look at how much money is spent on them, and finally learn how to spend your salary wisely.

Plan your spending

This is also one of the secrets of the old generation. They (our wise mothers and grandmothers) planned everything in advance. How much per month to spend on groceries, how much on clothes, how much to set aside for unforeseen expenses. Yes, yes, you heard right. They even managed to put aside some pennies from their salaries.

Because they knew that everything happens in life. We spend money as if we are insured against illness or life's troubles. Of course, if you have such insurance, then you can not read this article. But for those who are still overtaken by illness and trouble on the path of life, it's time to draw up a detailed budget for the next month.

Just approach this task as rationally as possible. Take as a basis your salary, not immense appetites. Of course, any girl needs a Gucci handbag, but maybe it’s better to save a couple of thousand for a trip to the sea?

If your first budget planning experience doesn't work out, don't despair. It is much more difficult to learn how to distribute earned funds wisely than to earn them, these funds. So consider old mistakes and plan again. Until you fit into the planned budget and understand how to spend money correctly.

The shops!..

Here it is - the scourge of modern women. How can one resist a dizzying dress with a bright price tag, when the just received salary rustles pleasantly in the wallet? Moreover, a lot of money was received, and the dress is such a trifle.

This is followed by a handbag (to the dress, of course), shoes and jewelry. Why so many purchases at once? After all, you only wanted to buy a dress on sale? Everything is simple here. It just didn’t fit into the existing wardrobe in any way, and it certainly needed to be supplemented with suitable details.

Attention!

And now you are tired, but happy, returning home with purchases (and a half-empty wallet), trying on a new dress to show it to your family, but it is small (or large). And there is no second such in the store .... And I have to return the purchase.

Now take a look. Where do you put your purse and acid green shoes? They looked amazing with the dress. But one by one - this is a completely different conversation. Of course, you can try and return them to the store. But why do you need all this rigmarole? Wouldn't it be easier to go home right after payday? Then there would be no unreasonable spending, and unnecessary disappointments.

Do not be like chronic alcoholics who, in order to get home on pay day, need serious protection in the form of a vigilant wife. Although shopaholism has not yet been officially recognized by doctors as a disease, it will not hurt to learn how to treat your illness wisely. So go home on payday. And don't look back at the colorful shop windows.

Shopping smart

Gotcha? Only the second day after the salary, and you are already going shopping? No, no, you should not lock yourself within four walls for a month, in fear of spending all the money. You just need to learn how to spend honestly earned money wisely. Don't take all your money with you.

Make a detailed list of upcoming purchases, calculate how much money they will take, and take with you a little more than the amount that turned out after the calculations. This way you will not be able to spend extra money and fit into the planned budget (you already made it, right?)

So, let's say that you figured out how to spend money correctly, and by the day of the next payday, there was some money left in your home safe. Commendable. Only many after that immediately forget about all the lessons of home accounting and run to spend the money saved, motivating their squandering by the fact that a new salary is already on the way.

Wait. So you will never make capital. Set aside everything that you managed to save on a bank card. And preferably at interest. Do not believe in the modern banking system? Then give the money to a close friend to keep - until you can learn to keep yourself from unnecessary waste.

Do you want to be a wealthy person? Then don't borrow money. Never. Even if it seems to you that there is no other way out or that the borrowed amount is very insignificant, and it will be easy to return it.

Advice!

It is better to sit on one potato than to eat sausage at someone else's expense. Judge for yourself: today you are missing a hundred, and you take the missing amount from a friend.

But you have to give. And this means that exactly the same hundred will not be enough for you in the next salary. What will you do? Borrow again? Do you see patterns? But it's much easier to learn how to spend money wisely and start saving up to paychecks instead of walking with outstretched hands.

Learn to save

Do you know what costs us the most? Our bad habits It is enough just to calculate how much money we smoke per month, or how much we drink espresso from the machine. Have you counted? Now multiply the resulting figure by 12 months.

Impressive? Maybe it's time to quit smoking? Or limit the amount of coffee you drink to three cups a day (this is the amount that doctors call safe for the body)? And if you want to puff on a fragrant cigar again or go down to the lobby for a fragrant and strong drink, remember how much you are losing.

And best of all - come up with this money for yourself a prize. Something that has never had enough money before. For example, a new tablet. Or a leather jacket. Let one temptation fight another.

For some reason, when talking about savings, many people completely forget about utility bills. But we also spend money on them. Moreover, a rather large amount and monthly. Therefore, pay attention to this item of expenditure. If you have not yet installed meters in your apartment, install them.

If you are washing dishes, do not run the faucet at full blast. Let the tap water run moderately. Turn off the lights in those rooms where you are not at the moment, and try to use energy-saving lamps.

source: www.jlady.ru/finansy/kak-pravilno-tratit-dengi.html

It often happens that the next salary is still very far away, and the money in the wallet has long ended. This happens because sometimes people make the wrong financial decisions - they buy unnecessary things or extra products. We will talk about how to spend money correctly in this article.

How to save correctly?

Netizens often ask the question, how to learn how to spend money correctly? Experienced financiers recommend using one of the following methods.

Warning!

Get a notebook in which you will write down all small and large purchases. Thanks to this, you will be able to understand where the money goes, and what items of expenditure are superfluous. After 1-2 months, calculate how much money you need to buy everything you need and what purchases you should avoid.

Plan all future expenses carefully. Make a list of regular monthly payments - utilities, food, loan payments, and more. Read it carefully to understand what you should not spend money on.

Don't borrow money. This is the main rule to which special attention should be paid. People who are used to living in debt cannot properly plan their expenses, because they constantly think about the need to repay a certain amount. In this case, a person cannot plan his budget. If you already have debts, try to pay them off as soon as possible.

On payday, you should not go to shops or the market on the way. There are many temptations when you have a large sum in your wallet, so it is better to go home and make a list of expenses. If you want to learn how to spend money the right way so that you always have savings, stick to this rule.

Get the most ordinary piggy bank at home. Throw small money there within a month. In a month, you will be pleasantly surprised at how much you can collect in this way.

Keep money on the card. Cash is spent much faster than those on a bank card. While a person goes to an ATM to withdraw the required amount, he can reconsider whether to make a purchase or not.

Part of the money from the card can be set aside for a deposit account. Thanks to this, you can save a lot of money and buy some expensive expensive thing in a year. Experts recommend putting aside 10% of your salary per month. When you understand how to spend money in a crisis, the amount can be gradually increased.

Learn to save on bad habits. Try quitting smoking, eating fast food, or drinking beer after work. This will allow you to significantly save money and improve your health.

Attention!

Successful people who know what to spend their money on never buy the cheapest product, but at the same time, they don't overpay for a big name or a well-known brand.

Remember that a low price is not a reason to buy another sweater or jeans if your closet is already full of things.

Learning to deal with emotions

The biggest enemy of any person who wants to learn how to save money is his emotions. For example, you have made the decision to want to work for yourself in order to gain financial independence. In any business, the most important thing is patience, because from the first day you will not be able to make big profits.

Therefore, you have to work hard from morning to evening, without receiving anything in return. The only joy is the purchase of new things that will help bring at least some variety to the working days.

A person gives in to emotions, buys new clothes or household appliances and, as a result, causes serious damage to his business with such unplanned purchases. To avoid such mistakes, do not give in to momentary impulses that will not improve your life and will not bring joy.

Shopping behavior

Want to figure out how to spend money in the family? Everything is very simple. You just need to learn how to do it wisely. Going to the store for shopping, do not take with you all the money that is in the house.

Advice!

Make a rough list of what you want to buy and take a little more finance than what is planned on the list. In this case, you will not be able to buy anything extra and therefore meet your budget without any problems.

This approach will allow you to save a decent amount every month. Do not rush to spend this money. If you feel like you can't resist spending, give it to a trusted friend or put it on a bank card.

Compare prices

Some people come to the store and immediately make a purchase. After that, they meet in another store the same thing, but it costs much less. But this difference in prices could be postponed or spent on other needs.

Therefore, if you are going to buy something, first of all, compare the price in different stores. You can find such information on specialized sites on the Internet.

By the way, you can earn money on the difference in prices without leaving your home. To do this, it is enough to find an inexpensive product in Chinese online stores and sell it at a premium on social networks or through ads. This will allow you to generate a decent additional income almost out of thin air.

We buy experience

One of the most important rules is - buy as few things as possible and as much experience as possible. It doesn't matter how much your clothes cost if you wear them, for example, in Paris. Things quickly depreciate and get boring, but the experience remains for life and allows you to earn your living. Such an acquisition will serve you forever, because it has a 100% lifetime guarantee.

Traps in supermarkets

According to experts, people make the most unnecessary, spontaneous purchases in supermarkets and large shopping centers. Such merchants use various tricks to lure you into a trap. To understand what you can spend money on in supermarkets, you need to learn how to identify all these tricks and bypass them:

• Arrangement of goods on the shelves. Experts have determined that the products that first come to the attention of the buyer are the fastest to diverge in stores. In such places in supermarkets, goods are put up from which you can make a good profit due to its low cost;
• Promotion "2 + 1". This method allows supermarkets to get rid of stale goods. And buyers simply spend extra money, receiving as a gift an absolutely unnecessary thing;
• Flavors that make you feel hungry. Almost every supermarket greets customers with pleasant aromas of fresh baked bread, coffee and sweets. If you go to the store on an empty stomach, you can buy a lot of unnecessary extra food, which in a few days will go bad and have to be thrown away.

To avoid falling into one of the traps, make a shopping list before going to the supermarket and stick to it strictly. This will allow you to avoid unnecessary expenses.

Avoid consumer loans

Affordable consumer credit has led to the ruin of many families. People are attracted by the availability of funds, so they use them, not paying attention to the high cost. Sooner or later, this leads to the fact that a person falls into a deep financial hole.

Warning!

Life on credit pulls people to the bottom. Since consumer loans are the most expensive, they significantly worsen a person's financial situation.

Therefore, if you want to buy a trendy gadget or some kind of household appliances, look for ideas to earn extra money in your spare time and shop with your own money, not on credit.

Work on mistakes

After shopping, carefully analyze all your expenses. Pay special attention to purchases that were not on the list. To gain some experience and learn how to deal with your desires, you need to constantly work on your mistakes.

If you can identify the provocateur who pushes you to rash actions, it will be much easier for you to deal with him. Thanks to this, next time you will know what to avoid while shopping.

Calculate how much money you spent and how much you saved. Such information will bring you positive emotions and pleasure. Every penny saved will eventually turn into rubles and will allow you to get the long-awaited financial independence.

Anyone can learn how to save money. The most important thing is not to get into debt, so as not to create needs for yourself. Properly manage your financial resources and then all your expenses will be rational.

The gurus of the financial world always tell us that we need to spend money correctly, buying only the most necessary things, that we need to accumulate or “twist” them. There is some truth in their words, but let's look at the other side of their words - a waste of money! Why do you need to spend the money you earn, and not put it in a piggy bank to the last penny?

Why spend money?

Let's look at what benefits the money spent can bring us. The most important thing you must do is to understand that spending money is not a loss, but a gain! Emotions, knowledge, confidence. You just need to spend money the right way. So, what can and should you spend money on, even if you are used to saving?

1. Spending motivates you to make more money

   Imagine the situation: you have lost motivation to work and productivity has decreased significantly. Of course, you can go to a psychologist, read a few books for motivation, or try to do a number of other things, but this is ineffective. All you need in this case is just to spend money. Don't be surprised, but it is. The reason is deep inside: it is important for our brain to see the result of activity, and if we work every day, but do not get the opportunity to touch what we have earned, then we involuntarily doom ourselves to. By spending money, you will remember why you work at all, and return the motivation to continue. Moreover, if (hypothetically) you completely run out of funds, and there is no other way out but to earn money, isn't that the best motivator? Sometimes it is useful to be in a difficult situation in order to get out of it later.

   When we earn and spend money, it stimulates us. We want to earn more so that we can afford more. If you only save in life, without rewarding or pampering yourself with anything, then soon you will get tired of working and any desire to earn money will disappear. Then answer the question: why in this case set aside your funds? That's just one reason why it's better to spend money than accumulate it over the years.

2. Money buys emotions

   If there is anything you can spend money on and not regret it, it is positive emotions and impressions. As Jill Paul said: “The most expensive things in life are, as you know, not things.” You can buy another thing that will then gather dust in your wardrobe, or you can buy something really worthwhile: pleasant impressions and new emotions. Go to the cinema or a cafe with friends, go skydiving, go boating, go on a trip - in other words, have fun as soon as you can. If you spend money correctly, it will bring you the maximum benefit.

   If you constantly save and deprive yourself of these small joys of life, it will cease to please you, and there it is not far from apathy and depression. Why live for a mythical "something" to let life pass you by? Here's another reason why money should be spent.

3. Saving people don't live in the present

   Many people are very prudent: they decide what they don't. Every day they save, deny themselves pleasures only because they put off the best “for tomorrow”. Then the next day comes, and everything repeats again. And the question involuntarily arises: if you save all your life on a non-existent "tomorrow", then how to live today? Life is what is happening to us now, at this particular moment, and everyone around us is telling us to “live in the present”, but what about those who constantly save and deny themselves everything? For this reason, it is better to spend money giving yourself pleasure today than to wait for a "rainy day", which, by the way, may never come.

4. Spending money well can save you money

   How can spending money help save money? As illogical as it may sound, it is a fact. If you just spend money on the first thing that catches your eye, if you constantly sit on the tenacious bait of marketers, buying unnecessary things, then they are unlikely to benefit you, but if you spend money wisely, you can save a lot. No wonder they say that a miser pays twice. Constant restrictions and the choice of cheaper goods will surely one day stand against you.

   Or taking care of yourself. Do you spend money on a gym membership? You train hard for years to become stronger, more beautiful and healthier. As a result, you will get sick less often, respectively, you will not need to buy expensive medicines or spend money on doctors as often as others do. This is both a savings and another reason why to spend money. Invest in yourself. Spending money on health, pleasure, on any activity that makes you healthier and happier is not a loss of money, but a profitable investment.

5. Money Can Benefit You and Improve You

   When we earn money, we don't always spend it on things or entertainment, right? Many invest in self-education: they attend courses, study at prestigious educational institutions, attend seminars and trainings. Naturally, this is beneficial, and the person becomes better. Investing in yourself is the best investment. By spending part of the money on your improvement, you will make an investment in the future, and the money spent will surely pay off, returning to you in double size.

Money needs to be spent! Otherwise, why earn them?

Financial spending is beneficial if done wisely. Buy pleasure and emotions, motivate yourself with money, live for today, invest in your own knowledge, and you will notice how what you want comes into your life and without endless restrictions on yourself in everything. New opportunities appear where there is a place for them. Don't be afraid to run out of money. If you spend them, and not “merge”, think about what to spend on, and do not forget to keep track of the budget, then even global costs will pay off over time.

We all have both good and bad habits. Flossing your teeth, exercising regularly, and getting a good night's sleep are all good habits. However, there are also bad ones that can undermine a person’s financial health. To achieve long-term financial well-being, you need to turn off the autopilot and start making active and informed decisions and learn how to spend money wisely.

Get rid of the bad money habits can be extremely difficult. It happens that they take root in the mind from childhood or as a result of the upbringing received, or they are the result of a simple lack of knowledge about personal finance. Even with the best of intentions and discipline, a person still has some habits that continue to undermine his financial success. Here are some options for managing spending habits that are causing a mess in your income and spending balance:

1. Any form of emotional expense should be avoided when trying to cope with the vicissitudes of life - a sort of shopping to cheer up; Shopping doesn't solve problems. Set some ground rules for yourself and unsubscribe from promotional emails from your favorite stores.

2. Although lending money to family and friends is admirable, but if they are unable to repay the debt, this can cause conflicts, resentment, and ruin the relationship between you.

3. Paying for everyone at a restaurant or bar can be a great thing to be proud of, but if it puts you in debt or delays important expenses, then you've gone too far.

4. Comparing and measuring success in life based on what kind of house you have or what kind of car you drive is a false premise. You may be tempted to keep up with the Ivanovs, but you don't know if your neighbors are living within their means.

5. Set up a "spending filter" in your life for expensive purchases. Before making impulse and expensive purchases, give yourself at least 24 hours to think before making a purchase. It is important to distinguish between needs and wants. If you give yourself enough time to evaluate your purchases, you will also have time to search the Internet for a better deal.

6. If you do not keep track of your credit history, it can seriously damage your plans for the future. Information about unpaid bills can affect your credit history. Remember, it takes a long time to clean up your credit history, and a bad credit history will make a huge financial difference if you are considering taking out a loan or mortgage.

7. When it's time for a raise at work, don't be afraid to ask for a raise. As they say, if you don't ask, you won't get, and the vast majority of those who ask get what they want, whether it's a pay raise or some other kind of incentive reward.

8. After paying the bills for the month, you are the one who decides what to do with the remaining money. Spending them all instead of saving and investing the rest of the money can become commonplace. Often this leads to the fact that a person does not have a "rainy day reserve", that is, money in case of an emergency. It's a good idea to put aside 10% of your income and try to keep enough money in a "contingency fund" that you can live on for at least 6 months.

9. Mixing your personal and business life together is great, but when it comes to tax filing time, it can be a big hassle and headache for you and/or your accountant. An accountant, of course, will cope with all this, but he will also require a higher payment for his time.

10. Try to avoid bank fees whenever possible. Banks make money from the commissions they charge you; one that is easy to avoid is the fee when using an ATM. Do not use third-party ATMs with higher fees. You should also consider choosing another bank that does not charge fees when using ATMs.

11. If you use credit cards, it would be good to understand exactly what you do with your money and how credit card interest affects your life. With minimal payments, it will take you years to pay off your debt.

12. Get rid of all subscriptions that you do not use. Many of us at this time of the year make the decision to start going to the gym to lose a few pounds, but never get around to going there.

13. Don't buy coffee, lunch and snacks on a daily basis. There's nothing you can do about it - it's seductively easy to spend money, especially on all sorts of little things. Do a simple calculation: how much does one latte per day cost you per month?

14. If you don't check your bank and credit card statements and keep track of your spending, then you're living in a money coma. Ask a friend or relative to help you assess your financial situation and develop a plan together to improve it.

Remember get rich is a long process. The accumulation of wealth is entirely up to you; don't forget that it takes time, patience and the right habits.

Well, why does it turn out that at the beginning of the month you put a large amount of money in your wallet, and after 15 days the bills disappear somewhere, as if it were not a leather purse, but a real sieve? And this applies not only to women (who are considered terrible spenders), but also to men.

How to spend money correctly? How to save at least something until payday, so that once again you don’t blush in front of your neighbor, borrowing money? We will try to answer this difficult but vital question in our article. And if you learn the wisdom described, then finally buy the coveted stiletto boots. Not? Prepare the old pair for the next repair. Although, you must admit that it's not about the boots. It’s just that money in your pocket gives confidence and peace of mind, and their absence leads to gloomy thoughts. And in order to keep these gloomy thoughts out of your head, you need to master just a few tricks.

How to spend money correctly

It's actually quite easy to save money. It is much more difficult to persuade yourself to make some kind of sacrifice for the sake of well-being. People naively believe that a single purchase is not able to unsettle. Maybe! And not just for one month. Therefore, it is so important to open your wallet with a sober head. How to learn it? Follow the advice:

1. Record purchases

   Remember how our grandmothers scrupulously collected checks from stores and kept home accounting? Then their behavior seemed petty. But they were right and knew exactly how to spend money wisely. Try yourself for at least a week to write down all your purchases, up to travel tickets. No, you won't save money that way. But you are guaranteed to notice a few items of expenditure that could be cut. For example - endless cups of coffee that you buy in the office lobby. Or the tenth bottle of perfume this month. After all, you will still give out "objectionable" fragrances to your friends, so why buy? And do not say that such purchases cheer you up. Look at how much money is spent on them, and finally learn how to spend your salary wisely.

2. Plan your spending

   This is also one of the secrets of the old generation. They (our wise mothers and grandmothers) planned everything in advance. How much per month to spend on groceries, how much on clothes, how much to set aside for unforeseen expenses. Yes, yes, you heard right. They even managed to put aside some pennies from their salaries. Because they knew that everything happens in life. We spend money as if we are insured against illness or life's troubles. Of course, if you have such insurance, then you can not read this article. But for those who are still overtaken by illness and trouble on the path of life, it's time to draw up a detailed budget for the next month.

   Just approach this task as rationally as possible. Take as a basis your salary, not immense appetites. Of course, any girl needs a Gucci handbag, but maybe it’s better to put aside a couple of thousand for a trip to the sea? If the first attempt at budgeting didn’t work out, don’t despair. It is much more difficult to learn how to distribute earned funds wisely than to earn them, these funds. So consider old mistakes and plan again. Until you fit into the planned budget and understand how to spend money correctly.

3. The shops!..

   Here it is - the scourge of modern women. How can one resist a dizzying dress with a bright price tag, when the just received salary rustles pleasantly in the wallet? Moreover, a lot of money was received, and the dress is such a trifle. This is followed by a handbag (to the dress, of course), shoes and jewelry. Why so many purchases at once? After all, you only wanted to buy a dress on sale? Everything is simple here. It just didn’t fit into the existing wardrobe in any way, and it certainly needed to be supplemented with suitable details.

And now you are tired, but happy, returning home with purchases (and a half-empty wallet), trying on a new dress to show it to your family, but it is small (or large). And there is no second such in the store .... And I have to return the purchase. Now take a look. Where do you put your purse and acid green shoes? They looked amazing with the dress. But one by one - this is a completely different conversation. Of course, you can try and return them to the store. But why do you need all this rigmarole? Wouldn't it be easier to go home right after payday? Then there would be no unreasonable spending, and unnecessary disappointments.

Do not be like chronic alcoholics who, in order to get home on pay day, need serious protection in the form of a vigilant wife. Although shopaholism has not yet been officially recognized by doctors as a disease, it will not hurt to learn how to treat your illness wisely. So go home on payday. And don't look back at the colorful shop windows.

Shopping smart

Gotcha? Only the second day after the salary, and you are already going shopping? No, no, you should not lock yourself within four walls for a month, in fear of spending all the money. You just need to learn how to spend honestly earned money wisely. Don't take all your money with you. Make a detailed list of upcoming purchases, calculate how much money they will take, and take with you a little more than the amount that turned out after the calculations. This way you will not be able to spend extra money and fit into the planned budget (you already made it, right?)

So, let's say that you figured out how to spend money correctly, and by the day of the next payday, there was some money left in your home safe. Commendable. Only many after that immediately forget about all the lessons of home accounting and run to spend the money saved, motivating their squandering by the fact that a new salary is already on the way. Wait. So you will never make capital. Set aside everything that you managed to save on a bank card. And preferably at interest. Do not believe in the modern banking system? Then give the money to a close friend to keep - until you can learn to keep yourself from unnecessary waste.

Do you want to be a wealthy person? Then don't borrow money. Never. Even if it seems to you that there is no other way out or that the borrowed amount is very insignificant, and it will be easy to return it. It is better to sit on one potato than to eat sausage at someone else's expense. Judge for yourself: today you are missing a hundred, and you take the missing amount from a friend. But you have to give. And this means that exactly the same hundred will not be enough for you in the next salary. What will you do? Borrow again? Do you see patterns? But it's much easier to learn how to spend money wisely and start saving up to paychecks instead of walking with outstretched hands.

Learn to save

Do you know what costs us the most? Our bad habits It is enough just to calculate how much money we smoke per month, or how much we drink espresso from the machine. Have you counted? Now multiply the resulting figure by 12 months. Impressive? Maybe it's time to quit smoking? Or limit the amount of coffee you drink to three cups a day (this is the amount that doctors call safe for the body)? And if you want to puff on a fragrant cigar again or go down to the lobby for a fragrant and strong drink, remember how much you are losing. And best of all - come up with this money for yourself a prize. Something that has never had enough money before. For example, a new tablet. Or a leather jacket. Let one temptation fight another.

For some reason, when talking about savings, many people completely forget about utility bills. But we also spend money on them. Moreover, a rather large amount and monthly. Therefore, pay attention to this item of expenditure. If you have not yet installed meters in your apartment, install them. If you are washing dishes, do not run the faucet at full blast. Let the tap water run moderately. Turn off the lights in those rooms where you are not at the moment, and try to use energy-saving lamps.

No, we are not trying to turn you into a hoarder. We simply suggest how to spend money wisely so as not to wait so painfully for a pay day. Haven't you only recently complained about chronic lack of money? It seems to us that it is better to turn off the light in the next room a couple of times than to once again ask for a loan from friends, burning with shame. However, it's up to you.

Save money. Look for where you can buy products cheaper or in bulk. Make a shopping list ahead of time and only buy what is on the list.

John Davison Rockefeller

Here, it would seem, what kind of question is this - how to spend money correctly? Yes, some people will say - you just give me this money, and how, or rather, what to spend it on, I will find. Indeed, many find it - buying everything in a row, even air, that is, such goods or services in which there is nothing useful. But in reality, spending money correctly is very, very difficult. Spending money - yes, many people know how to do this, you don’t need a lot of mind for this. But only a few can spend them wisely. I was convinced of this even when my income for the first time exceeded my expenses, which, as you understand, is extremely rare. But since my childhood was not rich, or rather poor, sometimes very poor, so there was even nothing to eat, I was forced to learn how to count money back then. And then a business, and not just any, but a real one, in which you need to count money constantly, carefully monitoring all your income and expenses. But even when working for other people, I was also very good at counting money, not only my own, but also that of others, which, unfortunately, was not appreciated by many of my employers, but so much the worse for them. So I understand something about spending money, and now I will share with you in this article my thoughts on this matter.

Let's first think about what we usually spend our money on? For what we need, or for what we want, or even for what we think we need? Oh what a tough question. It is clear that there will always be something in this world of constant temptations that a person will want to spend his money on. And no matter how much money a person has, if he does not learn to control himself, then no money will be enough for him. And to control yourself means to think with your own head when you buy something, pay for something, and not follow the lead of advertising and marketing, and therefore your weaknesses. Man must know by self-discipline, otherwise he will become their slave. You can see that greed destroys even very rich people, and in particular those corrupt officials who do not know the measure, therefore they steal so much that it is simply impossible to endure any longer. That is why some of them are thrown into a cage today, because in a crisis the budget is no longer able to satisfy their appetites. Therefore, the point is not in money, and not in their quantity, as some believe, but in a person and only in him. Without learning how to spend money wisely, no ability to earn money will help a person avoid financial problems. My experience in solving such problems allows me to be absolutely sure of this.

Should a person be economical in this case? And will it help to learn how to spend them correctly? Yes, saving will help, but you need to understand that you should not be economical to such an extent that you deny yourself everything and put all the money under your mattress. I know these people - they are crazy! You just need to understand, while spending money, when to stop. And of course, buy only what you really need. And with what you want to buy - you need to be careful. As it seems to some people, not to everyone, I emphasize, but to some, they spend their money on the most necessary, and therefore, from their point of view, they competently manage it. No matter how. Even when a person buys only the essentials, he can only think that he needs certain goods and / or services. Do you understand? That is, he may be wrong. I am sure that in most homes we can find mostly only such products that are aggressively advertised in all possible ways, while being far from the best option in terms of their price and quality or price and functionality. My experience with people's handling of money is not very rich, but from what I know, I conclude that most people, even those who live in poverty, would benefit from the services of a good financial advisor. By God, the service of such a specialist would save them more money than saving on the consultant himself. Why is that? Because people cannot spend their money properly, not only because they do not have the financial literacy necessary for this, but also because they do not know how to control their emotions, which often push them to commit extremely thoughtless acts. Well, many people don’t want to think at all, even when they know how to do it, as a result of which they act straightforwardly, predictably, short-sightedly, stupidly. And at the same time, not knowing about it, they do not try to learn it, believing that it is much more important to be able to earn them in large quantities. But earning and saving are two sides of the same coin, so you can’t ignore one of them.

Let's consider with you as an example such an important item of our expenses for all of us as the cost of food. It is quite obvious that what a person loads into himself will depend on how he will feel, and at the same time his financial condition, because products can cost differently, regardless of their quality and usefulness. Nowadays, you know, you can buy very expensive products and get poisoned by them. So, as for spending money on groceries, go to any self-service store and look at what people buy in it. The best way to do this is at the checkout. I go to the store almost every day, since they are at our side and there are always the products we need, so the need to stuff them into my refrigerator for several years to come, as it once was in our big and great country, thank God, no. Therefore, we, well, if not every day, but very often go to the store and buy something in it. So, seeing what people throw into their strollers and baskets, you simply marvel. How can you buy such a muck, such rubbish, such, excuse me, shit, I personally do not understand. And this despite the fact that all these sausages, canned food, sweets and the like are not cheap. Poisoning for your own money - only a person is capable of this. And then these people say that they are not connected with the choice they make in the store, that they buy everything they need. Dumplings, sausages, cutlets and other nonsense - is it necessary? And about sweets, about this drug, I do not speak at all. I understand that people want to please themselves, they want to have fun, they want to eat delicious food, but friends, it’s not at the cost of their own health to do this, and even for that kind of money. After all, almost everything that is in demand is expensive! Regardless of the quality, I repeat this again. Do you think that there are problems with buckwheat in our country, with this livestock feed? Nothing like it - in bulk. Just knowing the habits of our people, who are used to eating buckwheat, because they were accustomed to it, they raised prices for it, knowing that people would still buy it. A good way to cash in on those who think in a stereotyped way and are not flexible enough. And to justify the increase in the price of this product is not a problem. Economists will justify everything to you, come up with something, like with gasoline. Here is an overpayment for, in fact, food for cattle, because nowhere in the world buckwheat is as popular as it is with us. Even in China, it is grown for pigs. But some people don't care - if they need it, they buy because they need it. Well, for those who are smarter, why on earth overpay for it? Habit? Oh habit...

We have many such habits. And all of them not only pull money out of our pocket, but in the case of food - sometimes even harm our health! And that's even scarier. With poor health, you will not be happy with money. After all, if you, for example, are used to cheese, into which all sorts of filth is shoved today, the same palm oil, then you, firstly, will have to overpay for it, because the state replenishes its budget in this way, and secondly, you will really be poisoned by them. Do you need it? For example, I don’t buy milk at all right now, I don’t take anything at all in the dairy department, and I forbid my wife to even come close to all this poison. There is practically no milk and dairy products in our country now, there is some kind of rubbish, which is called milk and dairy products, and from which you will get poisoned faster than you have time to experience pleasure. With sausages, canned food, sweets, any semi-finished product, things are the same, because only producers do not do with all these products, what kind of shit they do not shove into them, just to make money. We have not eaten bread for several years either, there is no bread at all in our family, since bread is practically not produced in our country, I know this from the stories of people who work in our city at a bread factory and see what kind of muck bread is made from . And recently I learned that even sugar is mixed with something to make it cheaper. In general, ambushes are everywhere you go. Of course, I understand that they are based on lies and violence, but to poison the people like that with all sorts of filth, it's like sawing the branch on which you sit. The hucksters, I understand, don’t give a damn about all this, they are here today, tomorrow there, but the authorities are looking where they are looking, does it really matter to them who they will manage? That's what her strength depends on. Apparently, history does not teach people anything.

In general, friends, all this becomes scary, and not even so much for ourselves, we are already adults, we can handle it, but for our children, they will grow up on all this shit. Just think how all this muck affects their health. It's not even shit, it's poison, real poison. The last time I ate white bread, I remember that immediately after it my stomach began to hurt. This is horror. I'm an adult, in good health, but I feel so bad after all this crappy food. What kind of children? Someone might say that it's all about the cost of food, they say, if you want to eat quality, pay more. Yes, nothing like that - everyone fakes, both cheap and expensive. And after all these food embargoes, we were faced with a massive decline in the quality of products. At least we ate what the Europeans did not eat up, and they take better care of their diet than we do, and now only God knows that we are forced to eat. So prices don't matter. So the opinion of the hucksters on this score does not interest me at all. This is in Moscow, and probably in other large cities too, I know, they deceive people by selling them allegedly natural, organic products at exorbitant prices in specialized stores that allegedly do not contain GMOs and all that. But sorry, I'm not stupid enough to believe that. Therefore, we simply have to give up certain types of products so as not to overpay for them, this is not so bad, you can always earn money, but not to be poisoned by them. So you think now how much money you spend on real food, and how much on poison and other filth that you consider food. Think, just because they are used to something. And I remind you that we are now talking about one of the main items of expenditure for any person - spending money on food, well, unless you eat the sun, air or something else.

With the same assessment, one can approach medicines - after all, how many expensive rubbish is now sold in pharmacies, which we supposedly need. You know that many pharmacists, like doctors, get paid extra for recommending certain, usually very expensive drugs, which, besides being expensive, don’t help a damn thing, and some Are any of them harmful to health? I hope you know. I remember that in the hospital my wife was prescribed medicines worth several thousand rubles, the need for which we doubted. Fortunately, we have a doctor friend who was horrified by these drugs, saying that in this case they are categorically contraindicated for my wife. In general, the wife received the certificate she needed, but she was treated herself. But how many people believe what they are recommended and buy expensive drugs? They also seem to think that they are spending money on what they really need. But people also take to buy more nonsense. So what, should I continue to give similar examples from other areas of our lives, in which we spend our money supposedly on what we need, when in fact we do not need it? Tell you about the irrational spending of money on housing, vacations, a personal car, education and the like, which many people consider necessary, without even thinking about what exactly they are paying for? Come on, I will not tell you horror stories about all this, because this is not what we need to know. My goal in this article is to explain to you the most important thing - you should think with your head before spending your money, even on what you consider necessary for yourself.

Understand, we live in such a world - let's call it the world of money, in which for the sake of this very money they are ready to sell you anything. A high price no longer guarantees or proves anything. Real shit can be very expensive. And most people usually do not really check the quality of what they buy, and in some cases they cannot do this, no matter how hard they try. As a result, they just have to trust other people, in particular sellers, in the broadest sense of the word, and buy what they recommend to them. And spending money properly means thinking about your needs, looking for better ways to satisfy them, and doubting those that look suspicious. But you need to think not only about your needs, but also about your capabilities, comparing one with the other. If you don’t know how to think, learn it with the help of other people, with the help of books, with the help of various educational programs. What else can I offer you. Oh, yes, read my articles too, they will also help you understand and rethink a lot. You must know who and how hunts for, in order to be able to protect them from, above all, their own gullibility and carelessness.

And don't misunderstand me - I'm not calling you to asceticism, to the fact that you need to constantly save on everything, I just suggest that you distrust what other people tell you when they urge you to spend your money on something. Most of your needs are unnatural, I'm absolutely sure of it. And they, in turn, determine your value system - after all, you value what you think you need. Here, let's say, how to understand a man for whom a car is more precious than his own children? He is ready to spend money on his car, but he does not care about children who, for example, have nothing to wear to school. I know such cases. Is this normal, think for yourself. Yes, I know that there is an opinion that a "real" man should not think about children - his task is to "make" them, it's so difficult! And then let the woman mess with them, and he will go on doing his peasant business - he will have other children, with other women, as well as drink beer and play cards. When I hear this, I add a few more tales about supposedly “real” men, I say that such men shouldn’t even smell good - they should smell like shit and sweat, it’s so muzhik, right? And the man should also be a little prettier than the monkey, and the scars do not disfigure, but adorn the face of a man. To hell with him, his face is normal. And also, if this is a Russian peasant, then he must definitely eat buckets of vodka and not have a snack after the first bucket, otherwise he is not Russian and not a peasant. Well, and so on. All this nonsense about what a man should be, a real man, is full, and they can justify any ugliness. Only now, a really real man, from my point of view, is not an animal driven by his instincts, usually base, but a sane and responsible person who has a normal value system, and therefore spends money in accordance with it. In other words, it is directly related to the human value system, therefore, you need to start with it when deciding how to spend money correctly. Examine your value system to understand what it is and what it is based on. Perhaps you appreciate what you have been taught to appreciate, and not what is actually valuable.

Spending money properly means spending it on things that are truly valuable to you. And you need to do it in the most beneficial way for you. That is, not the way you are used to or the way you were taught, but the way the current situation requires. After all, if you were taught to eat the same buckwheat from childhood, we will inspire you that it contains a bunch of vitamins and minerals and other wonderful substances, then think about whether it makes sense to buy it if it is more expensive than the same meat, eggs and other, less expensive , but no less, and even more useful products. The same applies to everything else - from cable television, which is not necessary for hell with the Internet, and to a home phone, which most people do not need if they have a cell phone, and to real estate, which is sometimes not profitable to have in property, and to a business that has long since become obsolete, and a person keeps on holding on to it, as if there is nothing else to do. Think modern and think about what you really need and what is really beneficial for you, and for this - think with your head. Don't just be a bag of bones with a bunch of stupid habits that make you spend your money on unnecessary and often very expensive stuff.