What can you spend money on? What to spend money on. Ideas. Anti-scale agents for washing machines
Imagine relaxing on the porch of your own home with your family on a summer evening, sipping lemonade... and reminiscing about how you bought a new TV... The pleasure of material things does not last that long. Our brains have the ability to adapt to happiness. If we become happy because of buying a new thing, this feeling is unlikely to last long. New things soon lose their shine.
Instead of spending money on things that will soon become old, try using them to create long-term memories. They will forever remain a part of our lives and help us become the person we want to be. Good experiences eventually turn into happy memories, and bad experiences become something like a joke you can tell your children.
Below is a list of 5 things you shouldn't spend a lot of money on, as well as what you should pay for. Use these tips to save money that you can then spend on the experience. It will enrich both your life and the people around you.
What you shouldn't spend too much money on
1. Electronics
Electronics are a necessity these days, but that doesn't mean you have to spend all your money on the latest model. The feeling of owning a brand new device will be very short-lived, and it is almost guaranteed that a new model will appear within this year.
2. Home design
There is always some new popular topic on how to decorate your home. But you don't have to spend hundreds of dollars on a famous designer. You can make your home look just like the picture in the magazine yourself or with the help of family and friends.
3. Cars
Keeping up with the latest car models is not a smart way to live, unless you can pay for them in full before the new model comes out. Otherwise, you will end up in endless debt. You will never be successful if you have a car that you need to pay money for, and you already want to buy a new one, which will cost many times more.
4. Fashion trends
There is no need to reproach yourself for buying new shoes, clothes or accessories from time to time. But if every time you hit the store you're trying to buy a new bag or shoes that cost more than $300, you might want to stop yourself and spend that money on something else. There will always be new collections coming out, so there's no point in spending all your hard-earned money trying to fill empty closet space.
5. Jewelry
Unusual jewelry is always good to have if you are going to a formal event, office or party. If your budget allows you to spend several thousand dollars on a watch, that's very good. For the rest of us, there must be a fine line between accessories and debt for shiny things.
What should you spend your money on?
1. Education
There is no feeling in the world that can be compared to when you begin to understand a foreign language without even thinking about it. Although some foreign language courses are very expensive, they are worth it. Lessons from new cultures, religions or professions will open up a new unknown world for you.
This does not mean that you should change your religion or your job. It just means you walked into class with an open mind and learned something new. This knowledge can be useful to you at any moment.
2. Travel
They can be very expensive, but travel is what creates memories that will last a lifetime, even if you had a negative experience. Usually we all laugh at things we used to worry about. A trip to one of the European countries can cost as much as a good laptop, and longer trips even less than the car you're planning to buy even though you don't need it.
Replace all these material things with a kiss near the Eiffel Tower or a long trip through the Alps.
3. Music
Learning to play a musical instrument is a great start to creating a new family tradition. You can pass these skills on to your children and create new memories. You can also spend a few dollars and try creating a new genre. Who knows, maybe the result will be several (or a couple hundred) new songs.
4. Books
They have always been special for those who turn the pages in delight. It's a completely different experience when you can use your own imagination to reproduce the images created by the author. Books never require updates, charging or rebooting. These are things that you can pass down from generation to generation.
5. Food
The advice to try new foods goes hand in hand with the advice to travel the world. Instead of spending several hundred dollars on a new bag, save it for when you have the opportunity to try new foods. You can take several culinary master classes on cooking from different countries. For example, in Italy you can take a cooking course in a vineyard. An Italian chef will be able to teach you how to cook truly amazing food. In addition, you can bring this knowledge home and treat your relatives and friends to a new dish.
Remember... invest in things that will bring you memories, not material possessions. You don't have to spend everything to create memories, but if you do, you will never regret it.
Money can make you stronger or it can make you weaker.
For example, you can cherish some dream-purchase for a long time, and after acquiring it, the euphoria disappears within a few days.
It was so?..
And you understand that you didn’t get what you wanted.
And it makes you weaker.
And if it’s also on credit, then you get a double blow.
Therefore, I offer you which are guaranteed to make you stronger.
And the stronger you are, the more money will come into your life.
1 - Invest money - let it bring even more money.
Money can work for you and for you. Moreover, without your additional efforts and forever until you spend them. So take a look around and you will see several opportunities to multiply them.
2 - Eat something very tasty and new that you have been wanting to eat for a long time.
New taste, new impressions, new emotions, new surroundings - all this will lift your mood for the coming week. This means you will do and achieve much more.
3 - Feel your dream - go, look, touch.
A mental image is normal, a picture from a magazine is better. But nothing in the world will motivate you as much as meeting your dream in person. It's better to touch once than to look 100 times.
And, who knows, maybe you, on the contrary, will understand that this is not your dream...
4 - Travel and do something new at least once a week.
The vibrancy and variety of life will create moments of memory in your life that will charge you for the rest of your life.
After all, over time, everyday life is erased and only what was bright and emotional remains.
Let variety into your life. And she will become much richer!
You can learn how to do this from the movie – Always Say YES!
5 - Invest in your health - heal your sores.
If something hurts somewhere, then it becomes problematic to think about big achievements.
A sick person is like a colander from which energy flows out on its own.
So check your health if you haven’t done this for a long time and even if you don’t have any pain.
6 - Training and self-development
Investing in yourself is the best investment you can make at any point in your life. You can lose everything, but not knowledge and experience. So define a goal and it will help you understand what knowledge you are missing.
7 - Fix what is broken or doesn't work well
The faucet in the kitchen is leaking or the refrigerator has started acting up... Agree, everyday problems can greatly ruin your life and mood. So spare yourself this.
8 - Help someone in need - Charity
The basic law of success is: If you want to get it, start giving. If you want more money, help those who need it more. And the universe will help you a hundredfold!
9 - Buy something that will make your life easier and more comfortable - technical innovations, a comfortable bed...
A fast computer, a comfortable bed with good pillows... Think about where and why you feel discomfort and solve this issue.
10 - Treat yourself to a great vacation - have fun!
Three days of great relaxation can replace a month of lying on the shore of a warm sea. Go to a travel agency and the rest is a matter of technique.
11 - Appearance - wardrobe, hairstyle, manicure
When you look good, it boosts your confidence and self-esteem. But not only in your eyes, but also in the eyes of others.
You are transformed not only externally, but also internally. This means you begin to attract better opportunities to yourself like a magnet!
12 - On a hobby - Favorite thing!
The best vacation in the world is doing what you love. When you have your own hobby, your own outlet, it is much easier for you to recharge your energy.
Therefore, do not spare money on this, even if those around you do not understand you! The main test factor is that if you get an influx of energy from this, then everything is fine!
13 - Healthy eating, vitamins
Today, most diseases come to us through food. Excess weight, digestive problems, various preservatives and so on.
You are what you eat – this saying is becoming more and more relevant today.
14 - Creating a personal library of quality books
Along with a hall of fame, a library of books is another important foundation for your success. This in itself will give you confidence.
Start doing this now - buy books.
But don’t forget to implement knowledge.
You can start with these books -
15 - Please your loved ones with a gift
Don't forget that you don't live only for yourself. Do something nice for your loved ones and their joy will bring you, perhaps, the most vivid and powerful emotions of happiness and joy.
What to do now?
It's simple - every time you are faced with the issue of spending money, look at this mind map - 15 ways to spend money with maximum benefit - all the methods are outlined in it in a concise form.
And you will find at least one way to become stronger!
Right-click on the image, select save as and... Voila!
The map is at your complete disposal.
And if you want to get 49 more of these cards, go here
What would you do if you suddenly became rich? I know that this is a rather stupid question, but I’m still sure that several things immediately appeared in your head that you would immediately buy for yourself. Quora users were asked the same question, and the answers were from people who had already achieved great financial success.
They revealed the best things money can buy, and the answers will surprise you!
Time
If you have the amount of money that is enough for you to live comfortably, then the best thing you can get is time. You can hire people to do things for you that you don’t like: washing clothes, cleaning, answering phones. At this time you will be able to do what you enjoy.
Love
I bought it for $100. She spent five months in a dirty, cramped and poor shelter. She found owners three times, but for various reasons (children, moving) she was sent back to the same shelter. She is eight years old, and she spent two of them in a 2 square meter cage. I am still overcome with anger and hatred towards those people who abandon their dogs in such places.
When I picked her up she was in terrible condition. Skin disease, infections, damage to the digestive system, pus in the ears - you can't live with that, but she survived. I spent several thousand dollars on her treatment, using the services of one of the most talented veterinarians in our city. Not the cheapest purchase.
She doesn't leave my side when I'm working.
She loves to be in company.
But she knows that I am the one who saved her life, and she will always be grateful for that. Money can't buy love? Tell it to someone else.
Long life
A study by Linda Mars found that the difference in life expectancy between rich and poor people was more than 12 years. Why? For several reasons:
- Better food.
- Expensive and, as a result, the best body care.
- Less stress.
Therefore, after earning a lot of money, first of all take care of your health!
Liberty
You can do what you want without thinking about whether this activity will bring you money or not.
Happiness
I know what you mean. “Money can’t buy happiness.” However, it is not. Of course, if you decide to satisfy your whims and buy expensive toys, you will soon get tired of it. But try helping those who don't have enough money to meet their most basic needs, or feed someone who hasn't eaten for days.
By spending money on charity, you buy yourself a piece of happiness for every person you help. Think about it.
Have you started to look at money differently after reading the opinions of people who know where need to spend them?
Spending money on any needs is an integral part of our daily life. After all, perhaps not a single day goes by without you spending, even a small amount, on purchasing useful, or most often, on the contrary, useless things.
What can you spend money on?
Of course, there is nothing wrong with this, because 5 or 10 rubles is not such a big price, even for a moment’s pleasure. However, what if you add up all such petty expenses, for example, for one month, into a single amount? You will end up with a good fortune, with which you can buy something useful for yourself. Well, let’s find out later in the article what to spend the money on so that it benefits you.
Taking care of your health
So, perhaps, one of the most useful investments, which will be useful for absolutely any person, regardless of his age and interests, is an investment in his own health. So, if you have extra money saved for the month, then spend it, for example, on going to a good medical center for a full examination of your body. Indeed, in most cases, having detected any disease in advance, you will have a clearly greater chance of eliminating it. And in terms of cost, most likely, the treatment will be much cheaper.
Also, any vitamins that can be consumed in the form of fruits and vegetables, or simply in the form of tablets, will not be superfluous. Such prevention may well protect you from certain diseases, especially in winter. Moreover, if you buy vitamins wisely, then you will still have a significant amount of accumulated funds in reserve.
In addition to improving and maintaining your health in good shape, you can also devote time to physical development. Moreover, this can be either one large expense for the purchase of sports equipment, which you will later work with at home, or small monthly expenses for going to the gym.
Moreover, in both options, in addition to sports equipment, you will also benefit from special supplements that promote proper muscle growth. However, they should not be confused with pharmaceuticals, since these supplements contain only protein, without any chemical impurities.
Self-development
If you are looking for options on how to spend your money wisely, then investing in your own development would be the most suitable option for you. Moreover, it can be in completely different directions. So, let's start with the most banal way of self-development - with education. Of course, at an early age, few people will want to spend accumulated funds on entering any college or lyceum. However, with age, many begin to understand that the more different professions they have, including prestigious ones, the more chances they will have to earn good money in the future.
Thus, we can conclude that investing accumulated funds in self-education is not only effective, but also profitable, since very soon all the money spent will definitely pay off. However, if the funds you have accumulated are not enough to enroll in a good college, then do not rush to give up. In such a situation, it will be possible to increase your level of education through various books and interesting magazines.
If you are more drawn to physical self-development, then a wide horizon of opportunities will also open up before you, starting with classes in the gym, which we mentioned earlier, and ending with any other sports sections, such as boxing, karate, wrestling, etc. .d. In addition to combat classes, you can attend weightlifting or gymnastics. After all, playing such a sport will have an equally positive effect on your physical fitness and will additionally improve your health.
Trips
If you are wondering what you can spend money on to make this investment memorable for a long time, then the most successful option for you would be some kind of travel. Moreover, it can be both abroad and within the territory of one’s native country. In the first case, you will need a lot of accumulated funds, since traveling outside the country is not a cheap pleasure.
Well, as for the second option, it is more simplified. After all, to travel around your homeland, as a rule, you don’t need to prepare any special documents, and the cost of traveling from city to city itself will be much cheaper. Well, let’s take a closer look at where exactly to go.
For example, let's imagine that you live in a big city, or even a metropolis. It is obvious that after several years of life, in conditions of constant haste and activity, many can become significantly tired, dreaming of a little rest. In such a situation, traveling outside the city will come in handy more than ever.
Try to stay somewhere in the countryside, where there is clean air, few people, colorful nature, etc. Such a change of scenery will be remembered for a very long time by a person from a large city, and besides, it will clearly be beneficial.
If you don’t like the countryside, for any reason, but you still want to leave your city for a temporary vacation, then try to find a provincial town in your country that is very famous. For example, if a city is famous for its architecture, then it simply will not let you get bored while walking along its streets. Well, if the city has the glory of a military hero, then in it you can find a lot of interesting sights, which, moreover, will affect your overall self-development.
Rest
If you have the opportunity to save any amount every month, and you are wondering how to spend the money profitably, then most likely the option for you is to take a short vacation. After all, if you are saving money, then most likely you have a job, which means you will need a timely break so that your work does not become hard labor for you.
Depending on the amount that you have accumulated in a month, you will be able to arrange a vacation, either at home, or somewhere away from home, and perhaps even away from your own country. So, let's look at the vacation options in order.
If the accumulated funds are not so much, then allow yourself regular rest, in the form of a trip to the cinema, or your favorite cafe. If you prefer an active form of recreation, then you can visit, for example, the city skating rink, or go karting. In terms of cost, such entertainment will not be too expensive, and at the same time, for such time-spending, you will not need a vacation, since you can easily visit such places during the weekend, or even after work, if your schedule allows it.
However, if you live in a provincial town where there is no such entertainment, then do not rush to give up. If you wish, you can travel to regional centers located nearby and spend your free time there. After all, in large cities, there is sure to be a place where you can have a good time.
If you are more of a supporter of spending time at home, then this matter can also be diversified. When getting home from work, stop by a bookstore on the way and pick up an interesting book for the evening. This will allow you to spend time not only relaxing, but also developing.
For the younger generation, there is an option to throw a party at home, inviting all your close friends and acquaintances. Of course, such an event cannot be held every day, since you will most likely get more tired of the daily fun, and such a time will be very expensive in terms of money. But if you throw parties on the weekend, this will provide you with great entertainment.
Well, in the case when there is quite a lot of accumulated funds per month, then you can easily afford such a luxury as traveling abroad. Save up enough capital, for example, in a year, and for your vacation, for all 30 days, go to a foreign resort. Such a change of environment, like nothing else, will help you take your mind off everyday problems and return to work with renewed vigor.
Investing in your own home
Another option on how to spend your money wisely — improve your own home. After all, your home should look so cozy that you want to return to it every day, again and again. Well, you need to start with the basic replacement of everything old with something newer and more modern.
Take a look around your home and determine what needs replacing. For example, these could be windows that have not been changed since the house was built. So why don’t you save up your money in a year and exchange it for a more modern option. This will give the house a better appearance, and will give you the opportunity not to freeze in severe cold.
If you have curtains, then a good option would be to replace them with similar blinds. After all, for their price, they are not that expensive, but at the same time, they are not a collector of dust and mites in the house. And due to the fact that the blinds are attached directly to the window, and not to a baguette, the volume of the room will seem much larger.
If you have any hobby (football, cars, weightlifting, etc.), then you can purchase the corresponding paraphernalia for your home. After all, nothing will please the eye more than being surrounded by your favorite things that give you pleasure. Well, don’t forget about such visually invisible investments as: replacing old plumbing, or replacing electrical wiring. After all, this, first of all, will affect your safety in the future.
Help others
If you have the opportunity to accumulate some capital in a month, and you are wondering what to spend money on on the Internet, then try doing charity work. Indeed, today there are many different funds and projects aimed in different directions.
For example, it is not always possible to send large, dizzying sums to help develop a hospital or kindergarten, but it is quite possible to limit yourself to a small contribution that will go to help, for example, a lonely old woman or a dysfunctional family.
Even if your contribution will be small, and will take away only 10 - 20% of the entire amount accumulated in a month, but it will be a very useful contribution. Having done good, you will definitely feel peace of mind and satisfaction. Therefore, never skimp on good deeds, especially if you have such an opportunity.
Clothing and food
Well, in the end, the option of what to spend money on during a crisis is food and clothing. After all, it is on these two categories of costs that you should under no circumstances save. So, let's take clothes, for example. Of course, there should not be too much of it (especially if we are talking about a guy), since you will spend a lot of time washing and ironing it, and, in fact, there will not always be somewhere to put it, since any closet is not unlimited.
The wardrobe of any person, first of all, should consist of mandatory, so to speak, basic things.
Typically, this list includes:
- jeans or trousers (2 - 3 pairs);
- shirts (no more than 5 pieces, and preferably in different colors);
- jumpers (2 pieces);
- skirts (for girls, no more than 2 - 3 pieces);
- dresses (also for women, and no more than 2 outfits);
- jacket or jacket;
- underwear.
If you have all these things, then you still shouldn’t relax. After all, you also need to ensure that these things do not become unusable. Well, if something wears out, you should always have the means to urgently replace it.
Well, regarding food, you shouldn’t skimp either. After all, what we consume has a very healthy effect on our health. Thus, if you eat all sorts of “rubbish”, stuffed with chemicals, just to save money, sooner or later, you may well develop a serious pathology, such as an ulcer, or gastritis, which will require much more money to your treatment.
Summarizing what to spend money on wisely, there is only one conclusion - there will be a lot of options for such expenses. Therefore, even from the proposed list, you will need to select only the most necessary categories of investments, and proceed, first of all, from the amount of accumulated funds.
Where, and most importantly, how to spend the money profitably?
You will start making money only when you understand a few simple truths. Firstly, money is energy that should circulate and come and go easily. Secondly, you don’t need to be afraid to spend it, regret it, or worry about every penny. Thirdly, you need to be able to spend money, and not thoughtlessly throw it away left and right. Today we will talk about how to spend money correctly, or rather, we will pay attention to where to spend your hard-earned rubles, dollars or other currency.
— In order for you to always have money, you must part with it easily.
- Yes, first of all, I need to meet them
Reading various business books, I very rarely came across a spiritual, energetic interpretation of money. And literally a few months ago I began to delve into esotericism, into various practices, I began to understand the essence of money, and the realization came that it was only a tool for achieving my goals. In no case should money be the goal, because then you definitely won’t earn it. But today the topic is slightly different, and I will not delve into the basics of the perception of money. This article will be useful to those who already know how to earn money and are earning money, but are still afraid to spend an extra ruble, believing that it is not right. Believe me, this kind of thinking and attitude towards finance will ultimately lead to serious problems. I don’t presume to say that this will happen with 100% probability, but knowing the examples of many of my friends who earned tens of thousands, but every time they were shaking for the missing penny, I can say that it’s not worth the risk.
So, I hope you already understand that money needs to be spent. Imagine a lake in which there is no circulation of water, it stagnates and over time begins to bloom, smell unpleasant and fade. It’s the same with money, if you have to constantly move energies, after receiving money, give it away, making room for the arrival of new, even larger sums. But now we’ll talk about how to properly “free” money.
1. Travel
Never waste money on travel. It doesn’t matter how you do it: take a backpack and decide to hitchhike to conquer Europe, or buy a tourist package to an elite resort. Or maybe you prefer an eco-friendly holiday, and decide to spend a few weeks somewhere in an ecological village, closer to nature. All this does not matter, because in any case you will receive new emotions, new impressions, new knowledge. Traveling is not just a vacation, it is a way to broaden your horizons, get to know other people, their way of life, culture, and way of life. All this will help you relax mentally, gain strength, come and start working with great inspiration and a desire to create.
As a young man, Steve Jobs traveled to India. His journey lasted about half a year, but it was this time that he remembered for the rest of his life. In his interviews, he often recalled that trip, and claimed that it helped him look at the world anew, understand some truths, even become who he was.
2.Take care of your health
They say that you can’t buy health - and this is absolutely true. But why try to buy it when everything is already in motion. As they say: “It’s too late to drink Borjomi if your kidneys have failed.” Don't push yourself into kidney failure. Health is very important, and while it is still good, take care of yourself. Start going to the gym, take yoga classes, sign up for a fitness class or a swimming pool. All this will not require a lot of money, but you will always be able to keep yourself in good shape, fit and beautiful.
If you don’t have the time or opportunity to visit the gym, then buy sports equipment for home and exercise regularly. Henry Ford once said: “The best investment is in yourself.” And everyone can understand this phrase differently. But investing in your health should be a priority above everything else.
3. Fix what's broken
You still can’t stop by the service station and figure out what’s knocking in the gearbox? Or maybe you’ve been postponing small home repairs for several weeks now? Don't delay. Small problems tend to accumulate, and over time they become big ones, requiring immediate action and solutions. Therefore, if you see something that needs repair or correction, then do not spare money on it. Yes, I know many people who say: “Yes, this is a small thing, then I’ll allocate 500 rubles to fix it.” Over time, 500 rubles turns into 1000, and those into 5000, and so on. In any case, repairs will be inevitable, so why delay and waste money?
4.Invest in yourself
A little higher, I already cited the words of Henry Ford that it is best to invest in yourself. And indeed it is. Knowledge is something that will stay with you for the rest of your life. As they say, you can’t drink away experience. No matter what happens, no matter what changes occur in your life, if you are a good and intelligent specialist, have the necessary knowledge, you can always find a new job or organize your own business.
Therefore, while there is such an opportunity, do not spare money on personal development. You can sign up for some courses, take several trainings on the Internet, attend various lectures and seminars. But don't forget to read. Books should become the basis of your development. There is no better teacher than a good book, tested over the years and by millions of people.
Ray Bradbury, the world-famous writer, once said: “I was educated in a library. Absolutely free".
5.Make your home comfortable
My home is my fortress, and this fortress should be as comfortable as possible. After a hard day at work, after difficult negotiations or grueling training, you come home, and everything here, every room, every chair, every design element should be to your taste, should help you relax and take your mind off pressing problems.
Do not spare money to make your place of residence even more comfortable. If you have an uncomfortable sofa and you find one that fits 100%, buy it without hesitation. If you want to change the decor, change the wallpaper, light, style of the rooms - do it. Everything around you should please you, give you a smile and peace of mind.
Without a doubt, renovation is not a cheap “pleasure,” but believe me, every ruble spent will be returned to you a hundredfold, and first of all, in a good mood, comfort and joy from the fact that everything is fine in your home.
6. Rest
I have already said that you should not spare money on travel, but also do not spare it on a regular vacation. If you feel that creativity is disappearing, that the desire to work is disappearing more and more every day, then take a break, go somewhere to relax, and try to make this vacation as comfortable as possible. Turn off all your phones, forget your laptop or tablet at home, and devote a few days just to yourself. What's the point of earning big money if you don't spend it on yourself and your pleasure?
7.Quality items
Don't skimp on something you plan to use for a long time. Very often we buy cheap things, arguing that their price is lower than their more expensive “analogues”. But if you look at it, cheap is often not high quality. If you are going to use the desired item for more than one month, then it is better to pay well for it.
When going to the store for winter shoes, you can find boots for 50 dollars, and for 100, and for 300. Of course, you can look at the price, but this should not be your favorite. Pay attention to a good brand, quality of workmanship, and country of origin. You should not spare money, because the stingy pays twice.
8.Give gifts
How to spend money? Have you ever thought about making a good gift for a loved one or family member? Give him something valuable, something that will evoke emotions of joy, happiness and gratitude. Cheer up your loved one's mood, and it will noticeably improve for you. There is only one secret here - do it unconditionally. If you want to give something, then do not demand anything in return, neither words of gratitude, nor certain behavior and actions. You must sincerely desire and understand what you are doing, and only then can it bring the desired result.
9.Update your wardrobe
Of course, I don’t want to say that you should chase new collections and throw thousands of dollars on haute couture clothes. This is nonsense, which obviously will not help you. But it’s not worth wearing the same things for several years in a row, which over time lose all their appearance and attractiveness. Everything needs to be in moderation and be able to balance between extravagance and stinginess. Try to update your wardrobe from time to time, buy something new, interesting, fresh and relevant. Remember that people meet you based on your clothes, and if you look good, then the first impression of you will be completely different from what it is now.
10.Healthy food
And lastly, I would like to focus on the fact that you do not spare money on healthy and high-quality food. We are what we eat, and the basis of well-being is food and drink. If you are used to dry snacks at work, and often allow yourself chips, crackers, and various “chemical” products with a lot of E-additives, then don’t be surprised at why you get headaches, side cramps, or gastrointestinal tract problems. Ecology has nothing to do with it, we build our own body, and we ourselves voluntarily poison it.
Try to eat more raw vegetables and fruits, nuts, and grains. No synthetic vitamins, especially since they are practically not absorbed, can replace the benefits found in natural products. I emphasize that everything needs to be eaten raw, because heat treatment reduces the usefulness of all products to almost zero.
You may say that it is expensive, but I want to immediately dispel the myth. Vegetables and fruits are not as expensive as you think, and are much cheaper than any chemical nonsense. And if you also count how much money is spent on doctors and medications (which often kill your health even more), then you will generally understand that saving on healthy food is driving yourself into a dead end.
We now live in an era of great variety of goods and open markets. The times of shortages and huge queues even for the simplest shirt are far in the past, and more and more people want to buy not so much what they need, but what they want, especially since the abundance of goods and products allows. But do the funds allow it?
Primary Question
The question of how to save money interests almost every person. Not everyone has the opportunity to just go and buy what they want. Most people have to save and save, but no one even questions what they can save money for; everyone knows exactly what they want or need.
First attempts
Typically, attempts to accumulate funds look in such a way that a person begins to deny himself everything in an effort to save as much money as possible in the stash. It even goes to such extremes that, for the sake of an extra couple of hundred, a person denies himself food, cherishing the thought that very soon he will receive the desired plasma TV or game console. Sometimes people take an even more slippery slope and take out loans. They think only about the momentary joy of buying the desired thing, and thoughts about how to pay off the creditor later fade into the background. Therefore, on the question of how to save money, the advice of financial experts will not be superfluous.
Pay yourself first
It seems that everything is clear here. We work and receive wages for our work. So what are we doing? We go to pay for the apartment, electricity, gas, water and so on. We're going to buy groceries. Perhaps we spend money on medicine or a birthday gift for a friend, and at the end of the month, in the best case scenario, we have very little money left. In the end, it turns out that we gave the money to the housing office, pharmacy, store, friend, but not to ourselves. So how to start saving money? Start by paying yourself! Set aside 10% of any income. Get yourself a separate card to which you make payments. It is worth noting that you need to save from any income, be it a salary, bonus, part-time job or gift. The amounts themselves are small, but, gradually accumulating, they will turn into very good savings.
Spend your saved money only if it will work
It's simple. Invest your savings only in what will later bring you profit. It’s worth making a reservation here. You can start managing money from your 10% account only when you have formed a so-called “financial safety cushion” - a certain amount of cash. It will not be difficult to calculate it. First, calculate your monthly spending amount, and then multiply it by three. This amount will be your financial security. Anything above this amount can be safely used.
Set aside money - forget about it
Forget about your stash. Clearly decide for yourself that you only have those funds that are currently on hand. In this way, your savings will be safe, you will limit yourself from unnecessary spending and ensure the accumulation of a “financial airbag”.
This scheme - saving 10% of income - according to financial experts, is the very first step in deciding how to save and save money correctly. Of course, not only saving money helps in accumulating it. To save as much money as possible, you need to train yourself to save.
How to save correctly
1. Planning.
Train yourself to plan absolutely everything, not only expenses, but also income.
It sounds strange, but some people simply do not remember the amount they earned in a month. With this approach to money, it is difficult to save, much less save.
2. “NO” to loans and debts.
If you need money to buy a particular product, then a loan is not the best option. Finance specialists are convinced that it is worth using lending services only when the life of the purchased product is longer than the loan repayment period. Loans that are used for earning money (for example, to open a store) are also justified.
3. No emotions in shopping.
How to learn to save money if you tend to make purchases under the influence of emotions and your “want”? Do you have an urgent need to buy a “very important and necessary” item? Take your time. Consider whether this thing is really necessary for you right now. The best thing to do is sleep with this thought in mind. It’s not for nothing that they say: the morning is wiser than the evening.
Such “important” purchases include cheap clothes or shoes, branded items or household appliances on sale, etc. Usually such a purchase brings immediate joy, and then is thrown into the closet with other trash.
4. List! And once again - the list!
Believe me, a huge number of people have appreciated the benefits of lists. With a list in hand, the risk of buying something unnecessary is minimized. And it’s even better to do your daily grocery shopping in small shops, where you have everything you need, but there is nothing superfluous that you might notice in a huge supermarket.
5. Divide products into areas.
To save your budget more effectively, you should definitely begin to systematize your purchases and consider them by area: meat, dairy products, sweets, groceries. Believe me, you will discover a lot of interesting things.
On average, 20 to 30% of funds are spent on sweet and unhealthy foods: cookies, chips, nuts for beer, lollipops, and the like. All this needs to be ruthlessly gotten rid of and replaced with more useful and cheaper products.
6. Skip the small stuff.
As already mentioned in the paragraph above, little things like chocolate or chips steal a very significant percentage of the funds from your wallet. If you sit down and do the math, you will realize that buying a washing machine will affect your budget much less. Thus, by giving up harmful little things, you can save up for a long-standing, but seemingly unrealistic dream, such as, for example, a home theater.
7. Train yourself to eat at home.
Many people have the habit of quickly snacking on the go, buying food in various cafes and restaurants. Eat a pie, hot dog or pizza, or cheer up with a takeaway cappuccino on the way to work - at first glance, it’s all so inexpensive. All you have to do is count...
8. High quality and expensive.
High-quality shoes, clothes, accessories at a quite adequate, but above average price will last you much longer than cheap things bought at sales.
9. Use concentrated products in everyday life.
We welcome your comments!
Every person spends money in his life. The pieces of paper that have filled the world have already become an integral part of our existence; people need them to survive among their own kind. For purchases, for paying for various services and goods, money is spent instantly and sooner or later we begin to ask ourselves, how to spend money correctly in order to get the maximum benefit and benefits for ourselves?
First of all, money needs to be spent wisely. Every bill you spend must be spent for some purpose, otherwise everything will be in vain, and you will not be able to spend money correctly. Let’s not bog you down and get straight to the tips that will help you spend your savings wisely.
Travel the world
Traveling is the most enjoyable vacation and at the same time a great way to spend money wisely and not regret it. In addition to enjoying a great vacation, looking at beautiful places and discovering something new, you can also buy souvenirs for your loved ones and relatives. In the end, you will spend your money wisely, come away with a sea of impressions and share them with your loved ones.
Take care of your health
We all know that money can't buy health. But it can still be corrected and improved, so you can’t save on it. It’s clear that training requires a lot of money, because a gym membership is a very expensive pleasure these days. Of course, you don’t have to visit expensive gyms, but train in the fresh air, for example, in the forest. But even there you will need inventory. So, feel free to spend money on things that will benefit your health.
Fix problems
Probably the gearbox in your car is still acting up, and you’re still waiting for a miracle? Or maybe the laptop needs urgent repairs? No matter how long you delay, sooner or later you will still have to fix these minor troubles, and the sooner you fix them, the greater the chance that the repair will still cost less than in a couple of months. And then, it is very stupid to put off what is inevitable in order to save money. Therefore, if you have discovered any malfunction, fix it immediately or as soon as possible and do not put it off until you need more effort and, possibly, money for repairs.
Develop yourself
In fact, self-development is another way that will help you spend your money wisely. Buy books, classic literature, read, visit exhibitions, museums and cinemas. All this, naturally, requires costs, but believe me, these costs will benefit you and you will not regret spending several hundred a month on your development.
Make your home more comfortable
Your castle is your home. You cannot save on it and you need to make it comfortable not only for you, but also for the guests of this fortress. Decorate the interior with interesting elements, figurines and other small things that carry some meaning. Then, when you look at this whole environment, you will be able to feel comfortable and finally remember what comfort is.
Update your wardrobe
Have you been looking at your things for a long time? Isn't it time to change something there? Updating your wardrobe is a great way to spend your money wisely. Of course, buying the latest from high-end designers is stupid, as your wallet will simply burst. But it’s also not worth walking around in the same trousers for several years, so find a good store that’s affordable and buy yourself a few new things. But make sure that updating does not turn into a mania, otherwise all the money will be spent only on daily updating of the wardrobe.
Buy healthy food
Healthy eating is a very important point in your life. Forget about buying frozen convenience foods. Give preference to vegetables and fruits, buy low-fat products. Soon, paying such attention to what you eat will make you happy, and you will even see improvements in your appearance.
Now you understand how to spend money correctly, and you can make your life much brighter and better. And finally, remember that money should never come first in your life. All you should worry about is your family, your health and the health of those close to you.
What do they think about it?
You should first of all spend money on your own health, self-education, and invest in your own business, which will subsequently help in achieving financial independence. It’s not without reason that they say that successful people pay themselves. If you don’t have long-term material goals, then you will probably find some kind of hobby (for the soul, so to speak). But in no case should you waste money on all sorts of trinkets for the home, for which you will have to pay half of your salary.
Indeed, you need to spend money wisely and on something useful, and not in vain. Although sometimes you want to have fun, just relax, and spend money on something not very useful, and this can also sometimes be allowed.
Well, in general, it’s better not to think about how to spend money, but to think about how to earn more!
Sometimes this “sometimes” turns out to be such that it would be better not to have it.
I constantly force myself to reinvest money in my projects, spend it on education, etc. But as soon as I see something that attracts my attention, the money goes nowhere, and this “something” was not really needed.
To avoid unnecessary waste in grocery stores, you need to go there with a shopping list. If you buy goods only according to the list for a few days, then you can thus avoid spontaneous purchases. And this is additional safety of funds. Some supermarkets offer discounts on a specific line of products on certain days of the week. If your family often buys them, then it is better to go for them on discount days.
Alexandra A.
What to do if a girl decided to go to the shopping center to buy a jacket, but bought: a fur coat, boots, a handbag and something else? Are there any “restraints” to spontaneous purchases in this case?
This means that this girl needs to cultivate willpower in herself. And also, when going to the shopping center, take with you only the amount for a blouse. And no more. If a person is prone to such unnecessary spontaneous acquisitions, then it is necessary to set an expensive goal and learn to save all the money for it.
Alexandra A.
Before you make a purchase, you should ask yourself: “why am I doing this?” The fact is that many people spend money not on what they need, but on the contrary, on unnecessary things, and then a lot of “junk” accumulates in the house. An example from life: my brother’s friend bought a laptop and used it at work, his brother repeated after him, even though he practically didn’t need it there. Now he has a computer, laptop and tablet at home, which we can say has completely replaced the laptop. Therefore, before an important purchase, it is worth considering whether I need it or not.
I rarely have the desire to make spontaneous purchases. But sometimes something catches your eye and your hand begins to involuntarily reach out to it. In this case, I move away from this subject and think about how necessary it really is for me. Usually 5 minutes is enough for me to “cool down” and not buy an unplanned item.
Alexandra A.
I like the point about my fortress, because I started spending most of my money on renovations in my apartment. I would add about buying food that you can’t go to the store on an empty stomach, because you then buy everything in a row, what you need and what you don’t need, and you also need to make a grocery list, because again, unnecessary purchases.
You need to spend money and invest in impressions, so that in old age you will at least have something to remember! In general, there is an excellent rule - in order to spend little, you need to work several jobs, then there is no time left for squandering! In any case, it’s still individual, the main thing is to remain human, otherwise we have long turned into runners for green bills with insatiable appetites.
Spending money, I believe, should be targeted. You need to decide on major purchases in advance. There should always be a PO for unforeseen expenses, because anything can happen. If we can plan our vacation, then the disease comes on its own, no one is insured against it and the money goes away oh so quickly. A car breakdown can also be unexpected, and so on. An amount should be set aside monthly for such purposes.
Also, if you have a dream that requires a certain amount, then you need to set aside at least the same 2-3% from each income. And under no circumstances touch this amount until the required amount of money is collected. Then you can safely start making your dreams come true.
Alexandra A.
But I think money should be spent correctly so that there is no aftertaste or feeling that you did the wrong thing or could have done without this waste. Money is a kind of reward for our work, time, thoughts, efforts. And we must choose how to reward ourselves - what will bring us pleasure. We are not paid our salaries right away in stewed meat, mobile phones, blouses, etc.))) We are given the right to choose our remuneration, and we need to spend it so as not to regret it later. You need to please yourself.
Each of us, in addition to entertaining purchases, also has some financial obligations: payment for services, loans, school fees, parking fees, etc. We also need part of the funds to purchase food. These amounts are easy to calculate in advance. These are precisely the funds that cannot be spent on pleasure.
Alexandra A.
In order to spend money correctly, we need to plan in advance what we will spend it on. Planning is a necessary thing; it often helps to find holes in the budget that we don’t even suspect about. And you definitely need to spend 10-15% of your income on a deposit or a personal card to create a safety net for a rainy day.
Money doesn’t like bad treatment, so you need to treat it with care, it’s not for nothing that they say a penny saves the ruble. First of all, you need to take care of your health and invest in it, these are swimming pools, sports, walks and running in the fresh air, A mandatory article should be for unforeseen expenses and preferably inviolable. Money must work, so it must be invested in business, in your own business.
You described everything so beautifully that there are no words. People now, especially those who live in Ukraine and I, like in Belarus, do not have money for normal food, and you are talking about some kind of sports, swimming pools, and also investing in business. Our average salary is $300, which is barely enough for utilities and even bread and butter. And if I go to the pool, which costs 10 dollars an hour, then I’ll probably have to save on groceries for 2 days. The most I can allow myself is to run in the fresh air, and then after work I want to sleep, and not run around the streets. This is the lot of those who have money; they can go to the pool, run, and relax. And all we can do is exist and work for our uncle.
Yuran123, it just so happens that our society is split into the poor and the rich, and everyone can afford what they have the financial resources for. But in any case, there is no need to hone it, difficult moments in life pass and material well-being comes, although for everyone at different times.