“A journey of a thousand miles begins with one step.” It sounds like an ancient Chinese saying that many of us have heard more than once. The same applies to your money. Perhaps you save a little money today and do not know how to save, in this case, this article is for you! Try to participate in the 52-week long money marathon to accumulate 85,000 rubles. To do this, you need to start at just one dollar a week.
Look at the diagram below, according to it, you only need to postpone one dollar in the first week, then you need to save two for the second week, three for the third week, and so on. Adding to the weekly “donation” of one dollar in a year you can get 85,000 rubles for free use.
It sounds not so difficult, right? But the devil, as they say, is in the details. At first it will be quite easy to set aside a few dollars a week, but what about the moment when you need to find $ 100 or a few hundred during the week? Do not despair, it is really possible. In our blog you will find a lot of articles on how to keep track of household money, deal with loans and deal with financial difficulties. Some of the most active are described below.
First of all, you should carefully examine your credit line. Arrange all your loans and borrowings to figure out how to improve your financial situation. Many borrowers refinance their debts in order to reduce the monthly payment and improve the conditions for the loan. Contact your lender – they will help you.
Do not buy extended warranty
Never purchase an extended warranty. This offer is expected of each of us when buying home appliances or electronics. Conducted a lot of research that confirms that electrical products rarely break so that the failure was a warranty case. About 3% of all TVs break down and are repaired under warranty. Ask yourself if you need to buy an extra service when you have 97% of what your equipment will work for many years.
By the way, today there are a great many credit cards and bonuses that they provide. So, you can use this card, which provides an additional year of service in case you paid it at the store.
Small household trick
In addition to the widespread financial advice, there are small household tricks that can save you a lot of money. For example, everyone should use razors, someone every day, someone less often. Today, a good razor or blade to it can cost 500 – 1000 rubles, and this purchase can last for a week – two. So you know, razor blades will last you much longer if they remain dry. If you wet the blade with a dry towel or dry it with a hairdryer, you will significantly prolong its service life, and for one you will save extra money.
Many of us use Good Finance insurance and most know what affects its final cost. Franchise – the amount that insurance does not cover – affects the cost, perhaps the most. If you increase this amount, you will pay less for insurance, but you risk spending more if something happens to the car.
Be sure to keep track of monthly bills.
Many service providers, as well as lenders, may require you to pay for services that you have been imposed on or have added at all without your knowledge. Be sure to look in periodically in the personal account of the mobile operator – it happens that the paid service could be added automatically, and you were allegedly sent a notice about it. Recheck your credit agreements and do not be lazy to get a printout of payments to know exactly what you pay for every month.
“With the world on a thread.” The same is not an obscure saying. Drawing attention to your household money, you can find dozens of items of expenses in which you spend small amounts each month. But together they can make quite a significant figure. Putting all your expenses on the shelves, you can learn how to save money!