No signs and conspiracies. Only real advice, how to get out of debt, reduce spending and increase capital.
1. Save 10% of your income
Tenth part of all your earnings immediately send to the piggy bank or to a special account. If you postpone the right amount immediately after the salary, budget planning will have to be more accurate, without taking into account this money, which will generally have a positive impact on your spending. And by the end of the year you will be able to accumulate an amount exceeding the monthly income, with little or no effort.
Funds can not only be saved, but also multiplied. To do this, select one of the ways in which you can ensure capital gains.
2. Select and eliminate three items of expenditure
Surely you have regular expenses that are not justified or do not do any good. For example, you buy a subscription to the gym year after year, but remember about it no more than once a month. Or pay a premium package of cable television, but just do not have time to watch these 1,5 thousand channels.
Choose three items of expenses and eliminate them. Calculate the benefits that you will receive in a year, you can now. The figure will impress.
3. Discard credit cards
The formula "on incomes and expenses" works faultlessly. It is not necessary to throw out all credit cards, just stop carrying them with you. They create the illusion that you have more money than there really is, and you are ready to spend money on not very necessary things again and again.
Even if you keep within an interest-free limit, you still have to return the borrowed funds from the bank. And this means that in the coming month it will be necessary to take the amount of debt from incomes, and salaries may not even suffice even for the most necessary. I'll have to take a loan again.
Pay by debit card or cash. This will help to better calculate your financial possibilities.
4. Pay off your debts
Usually debts accumulate on the principle of a snowball rolling down the mountain: the further, the more. Use the same strategy to repay loans.
Settle yourself first with small debts. Let the sums be insignificant, but you will already take some of the financial burden off of yourself and free up money for repayment of larger loans. Then go to the debt larger. And so, until you pay in full.
5. And do not borrow again
Returning existing loans, you in the long term release money for more pleasant spending. But it's impossible to pay off debts if you constantly borrow money again. If you take yourself in hand now and begin to live within your means, it may be possible to complete the next year without loans.
6. Refinance your credit obligations
Learn about the possibility of refinancing debts and the benefits that it will give you. For example, you can combine all loans into one, lower the interest rate or reduce the monthly payment.
Refinancing will require considerable analytical work from you: you will have to study the proposals of banks, compare them, choose suitable and profitable ones. But for work you will be rewarded.
7. Sell all unnecessary
Put out things you do not use for sale in social networks or on special sites. Items that simply collect dust or interfere freely move around the apartment, can bring you several thousand, or even tens of thousands of rubles. The main thing is to find the strength to put them in a piggy bank, and not to put it on new rubbish.
8. Do not postpone mandatory payments
In time, pay utility bills, phone bills, fulfill other financial obligations. This discipline has two advantages. First, you will avoid penalties for being late. Secondly, you will not be tempted to spend money on compulsory payments for something less needed, but attractive.
9. Reduce social spending
If you are used to spending money for a company in a cafe or in shops, think through a strategy that will allow you to avoid it. It is not necessary to stop going to restaurants with friends, just think more carefully about expenses.
If a wealthy friend invites you to a place that you can not afford, do not hesitate to offer a more affordable alternative.
10. Get rid of bad habits
Suppose you smoke a pack of cigarettes a day. It costs you 100 rubles. In a month, you spend an average of 3 thousand rubles, a year - 36 thousand rubles.
If you quit smoking, you will save an amount equal to the average Russian salary. Similar calculations can be made with alcohol.
11. Start planning a budget
It is almost impossible to pay off debts, cut costs, save money, if you can only estimate the expenditure. If you do not yet have a family budget, install one of the special applications.
The first step: within 2-3 months write down all expenses that it was possible to analyze them. So you will understand how much is spent on the necessary, and what waste can be avoided. Then start planning your budget in advance, predicting costs. This will help to distribute income by articles and do without debts.