It often happens that only half a month has passed, and the salary is already over, and there is no way even to pay utility bills or loan amounts. Life is getting more expensive every day, but the salary is not going to grow at the same pace. But money is difficult to distribute only when there are none. And if the family’s finances are formed for example from two salaries, then their shortage is most likely due to the fact that someone does not know how to plan the budget correctly.
Saving money is not always a deprivation, it’s just right to make different acquisitions.
One of the main costs is the purchase of food. You can save on products without damage to your health. For this, you can buy at small wholesale bases, markets, where there is enough variety and relatively low prices. Or, by purchasing in supermarkets, you can use large discounts.
Before going to the grocery store, you need to make a list. First of all, they buy meat, fish, cereals, sugar, pasta, butter, eggs, that is, everything that is used daily in cooking. When buying products, you need to follow the list clearly, without being distracted by various actions, such as “buy two packets of cookies, get a third as a present.” After the bulk of the products are bought, sometimes you will only need to buy bread and dairy products, or, for example, some sweets.
The most important part of the costs is the payment of utilities. They have to be paid in a timely manner so that penalties and fines do not come up. In order to save on utilities, you need to calculate that it will be more profitable: to pay at average tariffs or can better put meters on water, gas and so on.
Very large expenditures are made for the purchase of clothing. Here, too, you can save, sales, promotions, discounts – all this is suitable for purchasing everyday clothes, and expensive clothes can be worn only for the so-called “going out”.
Transportation costs are another integral part. Having a car today is very expensive. And in order to go to work every day, you can use public transport, before buying tickets for this.
In order to reduce the cost of communication over the phone, whether it is mobile or intercity, it is more convenient to use Skype, for example.
You can learn to save money, you just need to want and with responsibility to approach this issue.