A person would be happy to put aside a certain amount of money every month, but here’s the problem: every time some expenses come up, and it’s still not possible to leave even a little money for savings.
Is it really possible to save money if it is constantly being spent somewhere?
Everything is possible if you approach the matter wisely and do not simply waste your finances, but know their value and understand that not all purchases made every day are vital.
For example, coffee in the morning at a coffee shop is not an expense that should be saved, but you will have to spend money on a doctor, because health is more important than anything else in the world.
It is possible to optimize your expenses if you write them down, analyze them, and think about where you can save wisely and what you can avoid buying.
You also need to see if your expenses exceed your income, because if a person’s income is spent entirely on basic needs and there is no money left even for small pleasures, then you need to increase your income every day by trying something new.
Money goes away not only because a person spends it, but also because of false, incorrect attitudes, for example, a person thinks that there is never enough money, it is a global evil, you can never earn a lot of money, and so on. When a person does not count money and does not understand that it is not easy to get, he spends it easily and does not think about what he spent it on.
It is possible to save money even when unexpected expenses catch you off guard, but this requires consistency, discipline, and the ability to manage money wisely, not haphazardly.
It is enough to put aside even a couple of hundred rubles to become more confident and feel that it is not so difficult to save to create a safety cushion.
The main thing is to start, and then the money will gradually be saved. And of course, it is worth carefully reviewing your expenses every time and understanding where the money went, but not saving on important things, for example, not creating debts on utility bills or not postponing a visit to the doctor, but buying food, without which it is simply impossible to live - this is a must-have for any person, because a person spends the lion's share of his income on food.
It is not necessary to put aside money in large amounts, but regularly, constantly, purposefully, and not think that 100 rubles will not make any difference.
Every ruble matters if you treat it carefully, understanding that even with a small income it is possible to create stable savings that will help out in a difficult situation.
Earlier I talked about what a poverty trap is and how to get out of it.
