Personal experience: what prevents us from saving and saving money
'23.01.2020'
Source: Yandex Zen
Once again I saw an advertisement for the 150th ingenious text about the habits of rich people. You know, this is also written about the habits of the poor. And about the character traits of the rich ... And so on. In fact, I do not believe in these far-fetched rules. To be rich, you need to earn a lot and skillfully spend. And the second skill is useful to ordinary average people who don’t know how to save and spend economically, the channel’s author writes. "Pig finance" on Yandex.Zen. What is in the way?
Кредиты
It's hard to save something when you have monthly payments hanging on you. Buying an apartment with a mortgage is not such a simple matter, but a loan solves a global problem, housing, that is. And the notorious phone loans, vacation loans, or “just no money” - this is a way into a vicious circle.
Repaying a loan is difficult to save. So, the next big waste will again have to borrow from the bank. And again, overpayment for a thing / service in the form of interest.
Inability to resist emotional shopping
Many of us in difficult times like to please ourselves with something like that. Delicious takeaway coffee, alcohol, or maybe a new dress or even a new car, "since he left me anyway"?
Of course, you need to please yourself, but you should somehow limit the budget to joy. You can even set an internal limit in a solid amount.
On the subject: 6 mobile apps to save money on product purchases
Misunderstanding of the structure of their expenses
“We went with the“ other half ”to the supermarket. It seems like they didn't buy anything, but they spent a lot of money. " Sound familiar? But the amount spent in this way can really buy something. And so with every type of cost. Everywhere a little, but in the end there is no money closer to the salary.
To overcome the problem, you can record expenses. It doesn't matter if it is Excel or a special program, or maybe even a notebook. First, you will understand the breakdown of categories, and then you can analyze the composition of the “problem” categories. For example, if the store spent more money “on nothing”, then there is likely to be sausages, semi-finished products and other unhealthy products. They are decent per 1 kg.
Lack of time
It takes time to find the best airfares and read about all sorts of economical life hacks. Searching for the most profitable option, how to buy a phone or TV of a certain brand, is also a time. And the correct optimization of expenses allows you to save money.
Here you need to understand why there is no time. If you are a parent of five children, then there is hardly anything you can change dramatically. But if there is no time due to overwork at the main job, this is a reason to think. The compensation for such a regime should be decent. If you take part-time jobs, then sometimes it is more profitable to earn extra money financially than to spend this time looking for savings options.
On the subject: How to save money without limiting yourself: 17 daily life hacking
No big financial goals
People with below average incomes will always find something to save for. But there are many people who have solved the housing problem as a whole; they manage to fly on vacation once a year. And the savings are zero.
By the way, I don't think at all that everyone needs to save up for one apartment / mortgage, then for another - more expensive, then for an expensive car, and so on. But what I consider to be obligatory is a certain reserve fund of a person or family. You never want to think about that notorious "rainy day", but it really comes to almost everyone at some point.
This is not necessarily a tragedy, it may just be a job loss and unemployment for several months. Particularly advanced people with good incomes are also saving up for the future. But, it seems to me, this is not easy to do with an average salary.
Is it hard to motivate yourself without a clear apartment / car picture? In fact, even if you save on the deposit, the growing amount of the balance will please you, you will see. Just start.
Original column published on channel "Pig finance" on Yandex.Zen
ForumDaily Woman is not responsible for the content of blogs and may not share the point of view of the author. If you want to become the author of a column, write to us - [email protected].
