The desire to save on something and put aside certain amounts of money into savings has become the norm for every person.
However, not everyone succeeds in this.
Psychologists who have studied this issue have identified 4 ways to learn to save money.
Planning
It has been proven that a person can put aside much larger sums of money if it is planned in advance. Scientists conducted a survey among people receiving tax deductions.
Two groups of people were asked the same question: “What portion of the funds received will be saved?”
Those who were surveyed after receiving the money said they would put aside about 17%. The other group of people who had not yet received the funds said they planned to put up to 27% into savings.
Psychologists explain this phenomenon by the usual belief in oneself, one's strengths and capabilities. This feature should also be used when accumulating funds.
For example, you can set up a certain percentage in advance that will be deducted from all income to a general account.
Life from scratch
Psychologists have established that every person has moments in life when he wants to change everything, to start living in a new way.
Most often, this time comes at the new year, after a birthday, at the beginning of a new semester or school year, etc. At such moments, motivation increases significantly, which helps in any endeavors.
It is at this time that decisions about savings and the beginning of investments are easier to make. In order not to forget about such dates, it is convenient to set reminders on mobile phones. It is important to mark not only the day itself, but also the goal for the sake of which everything begins.
Control of minor expenses
Most often, people regret small expenses that regularly arise. These include, for example, lunches and snacks outside the home.
It would seem that the sum for one meal is not so big. However, if you add up several such dinners, it becomes clear that a fairly large part of the budget is spent on this.
There is a way out of this situation. To do this, it is enough to set a limit for certain expense items. After reaching it, payment should become more difficult.
24 hours to think about it
This method should be familiar to those who love shopping. Its essence is simple: when the desire to buy something unplanned appears, you need to take one day to think about it.
If after this time you are sure that you definitely need to buy, then you should not refuse. Otherwise, it is better to refrain from purchasing.
Surely, many have noticed that after a night's sleep, many desires disappear and cease to seem as important as before.
This is explained by the fact that when a strong emotional shock occurs, a certain process is launched in the brain. It continues until another, stronger emotion appears.
Therefore, it is better to wait some time before buying, or just go to bed.
When you start saving money, it's important to remember why you need it. You can't focus solely on saving. You also need to spend money from time to time.
Previously, we talked about seven financial traps that are best avoided.
