It seems that saving money does not require much intelligence, but it often happens that a person spends a lot of money without understanding where it is going.
There are secrets and ways to avoid spending huge amounts of money, and you need to take them into account.
A shopping list to avoid buying too much, as well as tracking discounts and promotions.
When you have a clear plan for where to spend your money, you won't be tempted to spend extra.
This is especially true if you go to large stores where there is so much of everything.
Buy only what you really need, not everything.
For example, if you need a coat for the winter, then you should definitely buy it, but if you already have a good coat, then there is no need to buy another one, just in case, otherwise it will lie around in vain and go out of fashion.
And if a person’s parameters change, he will have to be given to someone else or sold cheaply.
Don't be afraid of sales, when you can buy something you've been dreaming about for a long time at a good price for the future. For example, buy winter boots in the summer or vice versa, to save money.
Don't covet brands that are overpriced, but the overpayment is for the brand, not for the quality.
What's the point of paying an extra few thousand rubles for something you can buy at a reduced price or not buy at all?
Don't forget about your health. It seems that a visit to the doctor will cost a pretty penny, but if a person addresses problems in a timely manner, he will prevent or cure the disease much faster than if he will feel sorry for the money and then find out that he needs much more money for treatment.
The same applies to basic rules, such as not walking in the cold so as not to freeze in vain, dressing warmer, washing clothes more often so that they do not smell of sweat, and so on.
Try to plan your purchases in advance and account for all expenses, including unexpected ones.
A safety cushion will help, which should be at least 3-5 salaries, so that in case of force majeure you can get into it, but do not abuse it, but spend the money that is available.
When there is a safety cushion, people relax, thinking that everything is under control, but when it quickly melts away, fear arises.
By the way, about fear. You shouldn't cultivate it in yourself, worry about trifles, create living conditions for yourself in which you will constantly feel uncomfortable and bad.
When a person is calm and confident about the future, it is easier for him to endure all adversity, and money will not be spent on creating the illusion of security.
Earlier I talked about why management doesn’t notice the most responsible employees.
