How to save money during the crisis 2018

1. Write down daily expenses in a notebook

The advice seems trivial, but still use it. Surely in a week, after analyzing the items of expenditure, you will gasp. Have you returned from a friend by a taxi a couple of times and spent 1000 rubles on it? Too lazy to take lunch in a container to work and have a snack in a cafe? Surely the expenses increased by another 500-600 rubles. Go through the entire list and add up the waste. Did two or three thousand come running in a week? Multiply them by four weeks. Surely the resulting amount could be spent wisely, for example, put it off for vacation. This does not mean that you cannot have dinner or lunch in a cafe, use a taxi. Sometimes it is simply necessary, but you should not do it systematically or out of your own laziness.

2. Buy groceries and household goods in chain hypermarkets

Try to visit stores not every day, but once a week, and with a fresh mind, and not after work. After a hard day, you run the risk of buying unnecessary things. Make a list of essential items, forgetfulness is expensive. For example, a package of dog food in a convenience store costs thirty percent more than in a hypermarket. By the way, if you go to a chain store, choose one for your visits and remember the layout of the goods. Despite the fact that the hypermarkets are of the same type, the products in them are in a different order. Looking for the right products, you wander around the store, and the longer the journey lasts, the more unnecessary items are in your basket.

The state will return 13% of the amount you spent on the purchase of real estate. True, the maximum amount that is taken into account is two million. We bought an apartment for four million – only 260 thousand will be returned (13% of two million rubles). Pay your mortgage – the state will send 13% of the interest transferred to the bank to your account. And in a year you can get up to 15 rubles if you pay for education and treatment.

Job loss, illness, delayed wages – situations where money is needed. A money airbag will help solve the problem. Calculate the usual expenses for a month, multiply them by two and try to gradually accumulate the resulting amount and put it in stock. If there is a problem, you can get into the piggy bank.

5. Don’t keep money “under the mattress”

This type of investment for the year reduces the deferred amount by 10-13%. The reason for this is inflation. Place your free funds on the deposit. It is unlikely that you will be able to make money on this, but the modest remuneration that the bank will pay for using your money will not let your savings depreciate.

Are you accustomed to using the subway, and keep your car only for Sunday trips to the store? Calculate the annual costs of a car: tire fitting, maintenance, purchase of spare parts. Most likely, each individual contribution to the fund of a four-wheeled friend is not too large, but if you add up the expenses for 12 months, it may turn out that it is easier to travel to the store by a fixed-route taxi, and sell a car, because a car is not the best option for investing money. Every year the car only depreciates. Of course, if you need a car all the time, you shouldn’t give it up. If you own a garden or garage that you don’t use, consider renting it out. Let the property work for you.

7. Choose the right loan options

If you want to borrow money from the bank for a large purchase, do not take with a margin. Remember that the more you borrowed, the more noticeable the overpayment will be to the bank. Do not apply for a loan for a long period. For every extra day of using the money, you will have to pay an additional amount. Please note that the monthly loan payment must not exceed 30% of income. And of course, you shouldn’t take out a second loan without paying off the first debt. If you decide to use a credit card (banks are willing to offer them), then try to close your debt during the grace period. The interest on such loans is very high.

8. Don’t delay utility bills

Even in the event of a job loss, it is easier to find money for the current contribution than to collect funds to pay off the debt that has accumulated over several months. Do not forget that non-payers always run the risk of being left without water, gas and electricity.

9. Do not buy dollars and euros

Don’t fall for the currency rush. Buying dollars and euros during the period of sharp jumps in the exchange rate, you can lose money. But making money on foreign exchange transactions is difficult, for this you need to have a lot of capital.

10. Choose a convenient form of payment

It is believed that by paying with a bank card, we spend more. In fact, this rule does not apply to everyone. Compare in which case you are more generous – with cash in your wallet or with a piece of plastic in your pocket. Choose the option that allows you to save money.