The question of how to save time and money in the kitchen worries, perhaps, every housewife. We constantly set ourselves challenges - how to save on products that are becoming more expensive every day; how to quickly and deliciously prepare breakfast, lunch or dinner for your household without spending a lot of time; how to finally save money on ever-increasing utility bills.
We have already had a conversation where we considered simple but important issues of saving. Today we’ll take a closer look at how to save time and money in the kitchen by doing home cooking:
You'll be surprised at how quickly your kettle will boil once you descale it.
Deposits can be removed either using special means or using regular food vinegar or citric acid. The acid will react chemically with solid deposits, resulting in the formation of new compounds that are highly soluble in water.
Add vinegar or acid to the water and boil the kettle, then rinse it thoroughly with water. A clean kettle will save your time and money, because it will consume much less electricity or gas to heat it.
Defrost your refrigerator on time
Another smart household appliance tells us how to save money in the kitchen - this is a refrigerator.
Since snow has thermal insulating properties, a large layer of it in the freezer reduces the efficiency of the refrigerator. Cleaning your freezer regularly can help reduce your energy bills.
In addition, make sure that your refrigerator is always tightly closed: even a small violation of the insulation leads to a significant increase in energy consumption
When going to the store, do not buy too much
For a month, keep records of the amount of food purchased and eaten. By analyzing them at the end of the month, you will be able to get an idea of how much food you actually use.
Plan your shopping and try to buy groceries once a week.
This way you will provide yourself with food and avoid the need to go to the supermarket after work, when your hungry stomach can easily provoke unnecessary spending of money.
Of course, this does not apply to perishable foods such as bread and dairy products. You will have to buy them as needed
Freeze meat and fish in portions
Defrosting food is a long and troublesome task. Sometimes, when we are tired after work, we are lazy or we don’t have time to tinker with frozen meat from the freezer, so we often buy ready-made, but far from cheap, semi-finished products.
Here's another valuable tip on how to save time on cooking. It will be much easier to prepare food if the meat or fish is frozen in small pieces - for cooking at once. By the way, you can prepare and freeze your own semi-finished products in advance. Agree, it is much healthier, both for saving the family budget and for health, to eat homemade dumplings, cutlets, cabbage rolls, etc.
Defrost food in the refrigerator, not in the microwave.
In the morning, before going to work, transfer the product from the freezer to the refrigerator. When you get home, it will be defrosted and ready for further cooking. 
You will save not only time and energy that would have to be spent on defrosting the product, but also maintain the quality of the product. It’s no secret that foods defrosted in the microwave lose some of their beneficial properties.
Cut foods into small pieces
This way, you will significantly reduce cooking time: small pieces of food cook much faster. This is especially important for meat dishes.
In addition, this cutting will allow you to use less meat in your dishes, and this is another plus both for health and for saving time in home cooking.
Every person periodically thinks about how to save time. Unlike an office employee, whose workday is quite strictly planned, a freelancer is not limited by external factors.
And therefore, if you do not use the principles of time management, you can easily find yourself in a situation where there is a lot of time, but it is used so irrationally that only a relatively small part is devoted to work.
Along with time management and special time-saving programs, there are many ways to save time in everyday details. They can be used in autopilot mode and save up to several hours a day. Here are a few simple techniques that will help you save time.
Time management for a freelancer
A small disclaimer for those who do not fall under the category of freelancer or are such, but this is more of a side hustle than a main activity. You will probably be able to refute some of the advice below from personal experience, and that is your right. It will be even better if you leave your thoughts in the comments. These are just tips, not a guide to action. For one they are useful, for another they are not. Decide for yourself what to do with them.
1. Save time by eating simpler
You shouldn’t think deeply about “what to cook,” and then the question of how to save time in the kitchen will no longer be necessary. It is better to eat quickly, but use a thoughtful, healthy and easy-to-prepare menu. Better yet, take the time to create a rough meal plan for, say, a week in advance.
For example, breakfast can easily be replaced with muesli or fruit and kefir. Such a diet will save a lot of time, the body will not be overloaded, and therefore will be able to work effectively. Dinner can also be made as light as possible. But lunch should be hearty. As an afternoon rest, it is useful to take a short walk, which can be combined with solving routine tasks.
2. Plan your purchases
If you calculate how much the average person spends in stores, the total amount of time can be quite impressive. To avoid wasting precious hours, it is best to plan your purchases in advance and shop purposefully.
For example, try to calculate for yourself how much time you can save if you give up daily trips to the store and switch to a weekly visit to the hypermarket and purchase everything you need according to the list. By the way, this option is much more profitable.
3. Save time by preparing for the next day
Set aside half an hour in the evening to plan your to-do list for tomorrow. This time can be found, for example, by reducing the viewing of “pseudo” useful television programs. The next morning, you can stop thinking about what needs to be done and move directly to solving problems.
In addition to saving time, this approach makes it possible to reduce stress and always complete the most important tasks on time. In addition, this method allows you to get rid of obsessive thoughts “did I forget to do something?”
4. Do little things right away
Planning is a great thing, but there are many things that simply don't require it. For example, instead of writing in your diary “water the flowers” or “maintain order,” it is much easier and more correct to get up and water the flowers or immediately put all things in their places.
5. Disable Internet services while working
As a rule, any freelancer, regardless of the type of his main activity, quite actively uses a computer and communications. Create a simple but very effective habit: if you need to work, turn off Skype, close social networks, don’t check your email at this time. Believe me, nothing bad will happen during this time. But you can work much more efficiently.
If you are making money on websites or affiliate programs, if possible, transfer all payments to the “auto-payment” mode, especially since most affiliate programs for making money on websites allow you to do such an operation. You still won’t get more money from logging into your accounts every hour. But the free time that could be used will absolutely decrease.
6. Organize your workspace rationally
For a freelancer, proper organization of the workplace is very important because it makes it easy to get into the working mood. You can read more about how to organize a freelancer’s workplace here.
And, of course, after productive work, do not forget to reward yourself with proper rest. Necessarily! For some, this may be pursuing a favorite hobby or playing in a casino. And for some it’s just time spent alone with a loved one or a book.
What helps you save time?
Hello, dear readers of the site! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.
We all strive for a good life , and each of us would like to make our lives even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.
Unfortunately, in our modern world, you need to learn not only how to earn money, but also how to save it and distribute it correctly.
Today we will look at various techniques how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.
To improve your financial situation (learn to save and save money), you just need to follow the simplest rules, and then you won’t have financial problems! Remember: money comes to those who know how to handle it correctly!
So, from this article you will learn:
- Do you need to save on food, electricity, etc.;
- How to save energy;
- How to save on groceries;
- How to learn to save money and save money with a small salary - proven methods;
- How to save a decent amount;
- Folk signs about money.
For more information on how to save money with a small salary in the family, as well as how to save it, read further in the article
The first thing to remember: saving - This is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, smart And Right control and distribute your expenses, refuse from foods and habits harmful to the body.
Very often we have, at first glance, petty, but constant expenses that seem “trifling” to us, but in fact create good holes in our budget.
To learn how to save wisely and correctly , you need patience and work on yourself. But then you will understand what unnecessary costs are, and, perhaps, you will learn how to invest profitably and make money from it. If you want to know how you can make money, then our article “” will help you.
Saving does not mean that you will have to deny yourself everything, eat bad products, and generally live poorly. Saving means distributing your funds correctly in order to avoid unnecessary costs, distribute money wisely and not spend it on trifles. Also in this article you will learn how to save money using specialist techniques.
First you need motivation, that is, the goal: why you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article we already wrote about the one with a small salary). Or do you need a good renovation in your apartment?
A few steps on how to learn how to save money correctly
To understand how to start saving, you need to consider several stages.
Namely:
- you need to divide all costs into necessary and Not good necessary, that is, the extra ones or those that can wait;
- Next, we consider the resources for which you must pay, and these are: electricity, water, gas, communication, etc.;
- then you need to calculate the cost of food, and also pay attention to your diet;
- We set aside a percentage of the money saved so that it doesn’t just sit there, but also works.
Even if you try to put off some 10 % (percent) of your monthly income, then in just six months or a year you will have accumulated an impressive amount.
And we repeat the rule once again: you don’t need to perceive saving as a limitation or a bad way of life. On the contrary, it will help significantly improve your life.
Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk around in cast-offs. All this has nothing to do with saving!
2. Should you save on food and electricity?
Saving on food (groceries) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and superfluous ones are removed.
Food expenses- these are the expenses that we can influence, because it depends on our desire and our choice.
We need to figure out which stores we buy products from, what criteria we use to select these products, and in what quantities.
Usually we have extra expenses due to not correct diet, use of harmful semi-finished products, purchases not according to the list, reluctance to cook food yourself.
This also applies to electricity: If you do everything correctly, there will be no financial problems.
Ways to learn to save money on electricity
3. How to save electricity - 5 simple rules for saving on electricity 💡
let's consider 5 simple rules, thanks to which you will learn how to save energy.
Rule 1. Use electrical appliances correctly
For example, a charger for a phone or tablet, plugged into a socket for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to unplug it from the socket. It would seem like a small thing, but our electricity is wasted.
This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV, and so on.
This is one of the first important rules on how you can save energy.
Rule 2. It is important to use the correct cookware for the electric stove
Or more precisely, for the burner. After all, a correctly selected frying pan that is exactly the right size will heat up faster, and the stove will not just heat up the air. It's simple, isn't it? Probably every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way you can significantly save energy.
Rule 3. You need to know where to properly place the refrigerator
Believe it or not, a refrigerator is also a “harmful” device, and it also “eats” a lot of energy if it is not installed correctly. Remember: the refrigerator will use less electricity if it is placed further away from the electric stove.
Of course, not everyone has large and spacious kitchens, but you can probably place the refrigerator so that it is at least not on the same side as the stove and does not touch it.
Rule 4. You need to load the washing machine with laundry correctly
For whole 10 – 15 Our washing machine consumes percent more electricity if it is reloaded or underloaded. Did not know? So remember! It is imperative to monitor the normal weight of your laundry! You will also be insured against damage to the washing machine in case of overload.
Rule 5. Turn off electrical appliances at night
Many electrical appliances must be unplugged at night and even during the day when you are not using them, and especially when you are not at home. It’s not so difficult: if you leave home, turn it off, why should they work in vain?
Only 5 These rules will help you save energy in your apartment. Not difficult, right?
Here are a couple more tips for saving on electricity:
- If you decide to buy yourself any household appliances, then pay attention to its energy consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future this amount will be recouped through savings. And how much is the overpayment per year!
- A very good and useful habit - turn off the light behind you, leaving the room. But, unfortunately, not everyone can do this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
- It is better to use energy-saving light bulbs than ordinary ones. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
- Use a thermos It’s more profitable than boiling the kettle several times, because a thermos can retain heat for several hours.
If you follow these useful, and most importantly simple, tips and tricks, you will see the changes in your receipts, and then in your wallet.
Let's look at it in the article 10 Tips on how to save money on food:
Tip 1. Experts believe that it is necessary to choose a product not by its beautiful packaging, and the more expensive the better, but you must first become familiar with its composition. A high price does not guarantee high quality. We also pay attention to stock, discounts, And bonuses. Many supermarkets offer us such programs.
It is clear that at first glance it may seem that the difference is 5 rubles is insignificant and you won’t save much on this. But this is a mistaken opinion of most people, because if you calculate the difference even over a month, you will be pleasantly surprised. Can you imagine how much you save per year?
Tip 2. We write a list of the most necessary products and we follow it. We buy only those products that are on the list. This way you will avoid unplanned expenses. There are also all kinds of phone apps, and with them you can save not only your money, but also your time. All your information will be stored there, and you will not have to constantly think about these lists.
Tip 3. It is important to take with you as much money as you need, but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you simply will have nothing to buy unplanned items. Thus, you can save significantly on products.
Tip 4. Did you know that a hungry person’s brain works differently than a well-fed one? So, in order to avoid temptations, you need to go to the store well-fed! And then you will understand that you don’t need all these “goodies” at all.
Tip 5. Try not to run to the store on payday. After all, it is on this day that a person feels richer than he actually is, and can spend much more money than he has calculated. This is where financial difficulties arise: you don’t have enough for anything, and by the end of the month you can be left without a penny of money.
Tip 6. Experts believe that It's better to pay in cash, not plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it is harder to part with it.
Tip 7. Analogue products are the best way to save! Absolutely every product has a replacement that is much cheaper than itself. The main thing is to go shopping, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to sell you something more expensive.
Tip 8. Remember! Expensive and beautifully packaged products will always catch your eye. It’s better to look at the lower shelves, “dig deeper” there, most likely you will find a similar product cheaper than what you saw, because expensive products will always be in sight.
Tip 9. The similar products rule also applies to other products, for example, medications. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.
Tip 10. If possible, we do not take children with us to the store! Certainly, children are happiness, and sometimes you want to pamper your baby, but children are attracted to everything beautiful, and these products are often expensive. It’s better to leave the child at home and buy him, for example, a cheaper chocolate bar - the child will enjoy all the sweets, and you will avoid hysterics in the store.
We eat healthy, and most importantly not expensive!
Remember, eating healthy doesn't have to be expensive, and you don't have to go hungry to save money. On the contrary, expenses even decrease with a healthy diet.
Healthy food, For example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what the pies and hot dogs in the stall around the corner or in the nearest cafe are made from. And here you cook with your own hands, and you know everything about your homemade food.
Here are some more tips for shopping for healthy foods:
- It is more profitable to purchase products by weight rather than in original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than in bulk.
- If you buy food at the market, don't forget to haggle! And there is nothing shameful about it. It is important for sellers to sell their goods, and it is profitable for you to buy.
- It is better to come to the market late in the evening, at this time sellers significantly reduce their prices.
- It is better to buy meat in large pieces, and at home divide it into the parts you need. In terms of price, this meat comes out cheaper than if you bought it by the kilogram.
- If you have lunch at work, take food with you. Let us repeat once again that you eat food prepared by yourself, which means that you automatically avoid food poisoning and save on it!
- Try to create a menu for the week ahead - this will help you buy only the necessary products.
- First courses are considered healthier than second courses, and even more economical and cheaper!
- Compare prices in several stores. Don’t be lazy, each store has its own feature and its own promotions.
- You don’t have to buy expensive meat, such as pork, because you can also cook many delicious and healthy dishes from chicken! Nowadays you can find a lot of recipes on the Internet that will suit you, and you don’t have to sit and invent your own. The main thing is not to be lazy!
- Yogurts can be replaced with kefir and fermented baked milk. Yogurts contain all kinds of thickeners, dyes and sugars. So why not replace them with kefir, which is more gentle on the body and cheaper?
- Pasteurized milk is much cheaper and healthier than sterilized milk. Milk in a box will last longer than milk in bags. And this is its only advantage. So is this worth paying extra for?
- Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
- Buy fresh fruits and vegetables when they are in season and then freeze them. All the nutrients will remain in them, and you will save a lot, since in the winter they cost much more.
When you review your diet and follow our advice, you will see a difference even at the end of the month. And it's not just about money, but also about health. After all, all famous nutritionists and doctors remove fatty, sweet and especially fast food from their diet.
Using these simple rules will help you save significantly on groceries, maintain your budget, as well as a healthy mind and shape!
Important tips on how to save and save money
5. How to learn to save money and save money with a small salary 💰 - 15 useful tips
First, we'll look at the rules and ways to save money. And even if you have a small salary, it’s not scary!
Tip #1.
Set your financial priorities
After all, you must understand that your financial budget works only exclusively for you, and your financial well-being can only depend on you. After all, waste can be done both with benefit and without it. But how can we understand how useful our expenditure is?
Let's figure it out. For example Costs also greatly depend on a person’s lifestyle.
, young people often succumb to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often look at goods that they probably don’t need, but their friends advised them, or the advertising is beautiful, or the fashion has gone… Expenses are divided into three types - This, urgent And not urgent. Try to make a list of these and those expenses for yourself, and perhaps you will understand what you absolutely do not need and what you can cross off from the list.
Urgent waste - this is understandable, food, utilities, possibly clothing and if there are loans.
Not urgent - this is a family vacation, for example, it can be postponed, or investments in studies.
Well not urgent We are all very familiar with them - these are restaurants, entertainment, buying a new phone if you still have an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be put aside for a while, and if you reconsider, you can not spend money on it at all.
The last point is worth paying attention to first. After all, it is important to set your life priorities and understand your goals in life.
If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in your studies, then it’s unlikely that you be able to save .
And it also applies to entertainment and visiting establishments such as coffee, restaurants, because this is not the most important thing in life.
All financially successful people keep such records. After all, with a clear example, you will see what exactly is causing you holes in your budget. For example, it will be a trip to a cafe, monthly such visits eat up a considerable amount of money, and you will understand for yourself that this can be removed.
After all, when you see all the exact numbers of your budget, and not in the memorization way, you will be surprised how much you used to spend without thinking.
As the very famous speaker Anthony Robbins said: “ What cannot be measured cannot be managed " Remember this rule, and it will help you achieve your personal material success.
If you have additional income, then you need to keep records of them. After all, if there are several ways to earn additional income, then accounting will help you figure out which source of income is more profitable and which one needs to be emphasized more.
In general, now is the 21st century, and information technologies have developed various programs And applications, to keep financial records, which means you don't have to draw any tables by hand.
You just need to try several programs and choose the one that is closer to your spirit and has a more convenient interface. Let us repeat, clarity is financial literacy. Visibility will help you identify and direct your expenses and income in the right direction.
Experts have shown that up to 95 percent Russians spend much more of their money on payday. And these percentages do not relate to income level.
If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.
To learn how to save money and save it, you need to give up loans.
To conclude this chapter, we will give you an example of how to correctly draw up a table of expenses.
6. How to save money in the family - table of 3 types of expenses 📊
Using this table, you can monitor and control your budget, and cross out unnecessary expenses. It will help you determine how to save money and save it correctly.
Table of three types of expenses:
| № | Necessary and urgent expenses. | Not very urgent, minor costs. | Not very urgent, or just MONEY EATERS. |
| 1 | Food | Getting an education | Cafes, clubs, restaurants |
| 2 | Utilities (electricity, gas, water) | Buying furniture | Fast food, expensive sweets, soda |
| 3 | Payment for travel, gasoline | Purchases of digital and household appliances | Gambling |
| 4 | Mobile communications, internet | Expensive fashion items | Bad habits - fast food, alcohol, cigarettes |
| 5 | Cloth | Hobby | Unnecessary connected services on your phone |
As you can see from the table, you need to pay special attention to the last column. After all, even if you cross out one point from here, you can see the result from the savings.
7. How to save money correctly 📝 - 4 ways to save money quickly
Of course, saving money is no longer so easy and simple. There is a learning curve and it will take a little effort and patience. But even the most disciplined, calculating And responsible a person has the risk of making a mistake.
let's consider most common mistakes among people, and also study adviсe And expert rules to eliminate these same errors.
If you have already started accumulating funds, then this is already good. But how to save money correctly and have you chosen the right method? And won't you fall apart in half a year? Perhaps your strategy is not as perfect as you think.
Method No. 1. We put aside what remains!
So, you pay all your necessary bills, utilities, buy groceries, and send everything that remains to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left after all expenses, and you throw only the leftovers there.
Try restructuring your methodology differently. When you received your salary, the very first count, you must have a savings account. Make this your golden rule.
Calculate how much you can give to the bank per month, and do it first. And if you can’t do this, well, anything can happen, for example, you don’t have time, or there are some temptations to spend your money as quickly as possible, then connect the bank to a service that allows you to automatic debiting of money from your card of a certain amount to your savings account.
This way you can save money and save time. And you will forget about these troubles. And then your savings account will pleasantly surprise you.
Method No. 2. Where is the money kept?
As we have already learned, a savings account is great. But it is important to know where exactly your funds are stored in a bank or on a plastic card?
After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And this is quite convenient and easy to do, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret it.
Method number 3. Each account for a specific purpose
If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Certainly. if you are saving for only one goal, for example car or apartment, then everything is fine, this method is just for you.
But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you have already accumulated, and what else can you do? wait.
To avoid such problems and difficulties, you need to acquire several savings accounts. And let everyone the savings account will be designated for a specific purpose, For example, " per car», « for an apartment», « for education», « to the dacha" and so on. Rather, this is the correct way to save money, since each “account” has its own “purpose.”
Method number 4. Don't give up everything
There’s no need to get too hung up on postpone, postpone, postpone. There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" And good mood.
Of course, many, as we have already said, habits and entertainments should be given up, but this does not mean that you need to become a prude, sit from hand to mouth, not go anywhere, and even sit in the dark.
When your annual savings account runs out, you should think about more serious investments for the long term. After all, you yourself will feel the difference and want to improve your financial situation.
Tips on how to save a decent amount of money
To conclude our article, let's look at some more 15 tips How you can save money and accumulate it quickly. Some of the advice may be repeated, but you should Necessarily remember.
Of course, there is no specific set of rules and advice on how to save money correctly, but next we will consider the advice of experts who suggest using it to simplify saving and saving money.
So, tips on how to create savings to accumulate a decent amount:
Tip #1. Paying for purchases in cash
Try to pay for all your purchases and expenses only in cash. This way you will clearly feel the difference and say goodbye to the money you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.
By the way, if you buy goods through cashback services , then you can save 1-1.5% of the purchase price. We have already written about this in one of our articles.
Tip #2.
Put money into your account
Every month you put a certain amount into your savings account. At the end of a certain period, a nice tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, have a goal for what the funds you have accumulated will be spent on.
Try to keep your entertainment costs to a minimum. Better spend time with your family, play sports. After all, there are many useful ways to replace unnecessary expenses on entertainment in cafes and restaurants; in the end, experiment with new inexpensive recipes for dishes at home. You have good skills and your husband and children will be happy!
Tip #4.
Don't fall for promotional offers
Everything that comes into your mailbox, various catalogs and advertisements, is just trying to seduce you. But don’t give in, feel free to throw everything in the trash, or better yet, unsubscribe from these useless mailings that clog your inbox.
Try to prepare food at home and avoid snacking in restaurants. This will cost you a pretty penny. You don’t have time at work for lunch at home, and you rush to a nearby cafe for a quick snack? Think about it!
Prepare your lunch at home the night before; there are special food containers that can be heated in the microwave. This will allow you to save money on restaurants, and let’s face it, you know your home-cooked food. It's also healthier.
Try to sort your money into envelopes: “for utilities”, “for credit”, “for groceries”, “for telephone” and so on. And your expenses will always be planned.
Tip #8.
Discuss upcoming expenses with your family
Discuss financial issues with your spouse every week. You should make sure that you are aware of each other's waste. And cohesion leads to success!
Distribute all expenses according to the table; see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!
Tip #10.
Pay necessary bills first
First, we pay all the necessary bills, then we look at the need for other expenses.
Tip #11.
Replace paid hobbies, hobbies, etc. for free
If you go to the gym or do fitness, then this hobby can be replaced with exercise and running outside in the park. Both useful and free!
Tip #12.
Give gifts made by yourself
You can also save on gifts. After all, the best gift is a gift made with your own hands! You can now find a lot of ideas on the Internet.
Tip #13.
Buy analogues of branded clothing
Remember, money does not buy happiness. And not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than the “branded” ones. Besides, fashion comes and goes, and then things remain unnecessary.
Tip #14.
Use exchange services
- Never lend on Monday, otherwise you risk losing all your money!
- Never give money from hand to hand, it is better to put it on the table and then take it. Otherwise, a person’s negative energy can pass to you through money.
- If you are borrowing money from someone else in the evening, simply place the bills on the floor and let them pick them up. It’s better to remember that it’s better not to lend money in the evening.
- You only need to repay the debt in the morning and with small money.
- When a debt is repaid to you, keep a fig in the pocket on your left hand.
- In your wallet, keep your money carefully, unfolded and so that it is divided into different bills.
- Keep paper bills facing you.
- To prevent money from going to waste, put a piece of wood from a swallow's nest in your wallet.
- If you have made a good profit, then take one bill from there and keep it in your wallet, do not spend or change it.
- If you decide to give a wallet to someone, then put one money in it so that the wallet is not empty.
- To have money in the house, put a coin in each corner and say: “Let it come to my house.”
- Keep money in red envelopes or bags.
- Buy yourself a money tree and take good care of it.
- Money loves to be counted. Always count your change.
- Never spend every penny, make sure that there is always money left in your wallet.
- If you have a newborn at home, put money under his pillow.
- Count your money on Maundy Thursday.
- Try to cut your nails on Tuesday or Friday.
- Never discuss other people's material income, otherwise you won't have any of your own.
- Do not treat the rich and the poor with hatred, otherwise you yourself risk remaining in want.
- If you see that a cat is reaching out, then this is a sign of profit.
- If you saw an angry or hissing cat in a dream, then this is a sign of theft. Be careful!
- Be sure to get yourself a dog or cat at home, otherwise there will be no prosperity in the house!
- There is such a sign that a black cat or dog will protect the house from thieves.
To ensure you don't need anything in the new year:
- Celebrate the New Year in new socks and underwear. And don't forget to give yourself a new hairstyle.
- Try seven different dishes at the table and place seven coins under the chair.
- It is necessary to repay the debt before the New Year, you can even at the festive table.
- When the first chime strikes, make a wish by squeezing a coin in your left hand.
- Throw a coin into a glass of champagne and drink it. And then make a hole in this coin and wear it as a pendant.
- On the morning of January 1, wash your face with water and coins.
Superstitions that you should never do:
- Place empty bottles on the table.
- Sit down on the table.
- Place bills on the table.
- Sweep away the trash at sunset.
- Stand on the threshold.
- Whistle while at home.
- Exchange big money for small ones.
Well, believe it or not, many people observe and follow all these signs. The signs came from our ancestors. The most important thing we can conclude is that you need to treat money carefully, carefully, don't crush them, don't talk. Don’t spend all your money, your wallet shouldn’t be empty.
10. Conclusion + video 🎥
From this article we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to reconsider your attitude to finances, and to your life in general.
And remember one main thing, there shouldn’t be a crazy amount of money, in order to feel in a good financial position, there should just be enough money.
Good and stable financial situation- these are not millions of dollars in earnings; every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage your finances correctly. When you yourself understand your income and expenses, you will understand everything yourself.
As a clear example, you will see how much you spend per month, what is unnecessary in your life and what you need to give up. This is not all that difficult, the main thing is to manage your life correctly, not to accumulate loans, and if this has already happened, then get rid of them as quickly as possible. Then not only your financial situation will change, but also a healthy spirit will awaken, you will be in a great mood every day, since you will forget about at least half of your financial problems.
Let's hope that all these tips will be remembered by you, and most importantly, will be useful. After all, as you already understood, saving– this is not the worst thing, but rather, on the contrary, a useful one that will make your financial and personal life easier and better!
We hope that this article helped you find answers to your questions - how to learn to save money with a small salary and at the same time accumulate it. We wish you successful savings and good luck in all your endeavors!
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Do you have enough time in each day to do everything you have planned? I don't. I began to read less often, gave up studying English, and can’t start training regularly. And all because, for inexplicable reasons, there was no room in my schedule for these things.
I didn’t want to put up with this state of affairs, so I decided to stop wasting time on nonsense and leave it for more important tasks. For readers website I'll tell you how it was.
Before I started managing my time, I tried to figure out where it was going and ended up with amnesia
No, I didn’t click the timer button every time I went into the bathroom or waited for the elevator, but I tried to determine how much time the most important things that make up the day took: work, cleaning, cooking, breakfast-lunch-dinner, activities with the child and so on.
For example, it took me 3 hours to write a draft of one article that day. It takes a little less than an hour and a half to prepare a multi-course dinner. But what did it take 4 hours?
I added up the amount of time it took to do all these things, added an hour for daily stuff, and subtracted it from my day, which is typically about 16 hours long. For clarity, I made a graph that should show where the time is spent.
Since I work remotely, I can stir borscht with one hand, fight with my son with swords with the other, and answer work messages with my foot. I understand that office work takes much more time, but for those who will do the same analysis, I advise you not to color all 9 working hours in green, but to divide them into separate tasks.
And that’s when sudden memory loss overtook me. It turned out that on each day it took me from 3.5 to 5 hours for something unknown. On the first day, I really couldn't remember what I was doing for most of it. The next day I began to be more attentive to all my actions.
It turned out that some portion of this time was spent on important and pleasant little things:
- chat with family;
- strum the ukulele;
- review vacation photos;
- or just close your eyes and relax.
But all this clearly did not take 5 hours, the rest of the time was spent on less useful things:
- I endlessly put things back in their places;
- trained my thumb while scrolling through social media feeds;
- corresponded about nothing;
- I walked around the hypermarket stupidly and stood in a long line, etc.
To spend less time on social networks, I changed my phone. Goodbye convenient messengers, long live calls and SMS
I put my smartphone in the closet on the top shelf, and it was replaced by a push-button device, designed for 2 SIM cards. In addition to basic applications, Facebook, Twitter and some kind of Bluetooth chat were pre-installed.
Just as a smoker’s hand continually reaches for a cigarette, so my hand automatically clicked on the first two applications in the menu, trying to enter them. However, the phone gave me a “connection error” every time, not letting me into those applications where my time would be stolen by long threads, useless posts about politics, hundreds of thousands of memes and comments on them.
However, in order to stay in touch with friends and family, I set aside time to respond to messages
Most correspondence with friends and relatives begins with mutual greetings, questions like “How are you?” or “What are your plans?” We are used to breaking information into several messages, although in some cases one, and a small one, would be enough.
It turned out that it is enough to respond to messages three times a day and using computer versions of instant messengers. By the way, this approach disciplined not only me, but also my interlocutors: the messages became more specific.
Okay, at first it infuriated my interlocutors and only then disciplined them. But the result was worth it.
I also made to-do lists and kept them in a notes app on my computer.
For example, this is how my list of non-work related tasks begins today. For work - a separate note.
I'm sure everyone is familiar with to-do lists. This is a really old, but very effective way to plan your everyday life and not waste time thinking like “What else should I have done?” And putting a tick next to a completed task, especially a difficult one or one that had to be put off for a long time, is a special thrill.
Now it's time to deal with constant cleaning
I can't say that my home is a mess, but there are certain areas that quickly become cluttered. For example, the bed on which I throw my bag and clothes when I come home. A laundry basket, the lid of which does not always open and things are piled on top, a work table on which everything you want is placed and placed, and then it gets in the way terribly.
In general, the conclusion suggested itself: you need to start looking after yourself and immediately putting things where they belong. It was not difficult to accustom yourself to this. Getting my child and husband used to this has been much more difficult, and the process is not yet complete.
In the meantime, it's time to deal with long shopping trips. I understand that products are arranged in supermarkets in such a way that the buyer will see as many products as possible on the way to the bread or milk rack and, perhaps, buy something that he did not need in the first place . And in this sense, I was very aware: I often fell for the bait of marketers and brought to the checkout a lot of goods that were not on the shopping list.
So why did I decide to tell you about this experience? For two reasons:
- Firstly, it cannot be said that I achieved nothing; I managed to save some time. And now - eureka! - I returned to studying English.
- Secondly, all of the above methods had a great influence on me. The constant din has disappeared from my head: tasks that need to be kept in mind, frequent smartphone alerts, news that actually doesn’t matter to me. Every day became much more enjoyable. And this result is quite worthy of attention.
What can be considered the most valuable thing in our life? We don't think much about it, but the most valuable thing we have is time. Usually we easily lose minutes, hours and whole days. Then, one day, we notice that time is flowing through our fingers, we sigh... and again we live as we lived. How to save time so that you have enough for everything - family, work, hobbies, travel and just doing nothing?
I’ve been freelancing for several years now, there are a lot of advantages, but there are also disadvantages - in order to manage everything, I have to plan my day myself and force myself to work. At first it was quite difficult with this - I went out to take out the trash, got into a conversation with a neighbor, watched a program on TV, made a couple of calls, looked at social networks, looked through my mail, read the news - that’s it, the day, no matter what. But when you realize that every lost minute is a loss of money, and that’s how things are, you begin to value time and change your priorities. Therefore, I gradually developed habits that help save time, and today I decided to list them.
How to save time at work?
- Decide for yourself whether you want to manage your life yourself? If yes, then set goals and do everything to achieve them. Only the person who knows why he is doing all this is effective.
- Planning - even for a housewife, it is advisable to have a diary, weekly planner or a computer version of them in order not to panic when you discover what a bunch of things you have to do... yesterday.
- You need to include ALL things on your to-do lists, but you can divide them into “important/urgent”, “important/non-urgent”, “not important/urgent”, “not important/not urgent”.
- Never be late and demand it from everyone else. Do not communicate with those who are constantly late - these are thieves of your time, people with whom “you can’t cook porridge.”
- Rest is as important as work. You need to find time for it and plan it in advance. Since we cannot live without chatting with girlfriends, computer games, social networks, TV series and other pleasant time wasters, we just need to allocate time for them and put it in our diary. For example, for communication on social networks - half an hour before bed, combine your favorite series with facial care or manicure and watch it on your computer without advertising.
- If you want to make a lot of money, throw away the TV.
- The phone is the main thief of time, so when doing work, just turn it off. We did it - checked the calls, called back if necessary, and disconnected them again before starting the next block of work. A cell phone should not steal our time, but help save it. Therefore, find half an hour in your schedule for important calls, for example, if you work from home, then go out for a walk during the day and call your parents or girlfriends, make a few business calls. If you work, call everyone when returning from work or during your lunch break.
- Decisions need to be made quickly. Firstly, the first thought is the answer of our subconscious, and it is much smarter than our “consciousness”. Secondly, doubts and hesitations lead to the fact that instead of doing things, we begin to invent problems and fears.
- Bring every task to completion; finding time for it again is very difficult.
- You don’t need to bring everything to perfection, a “good” rating is enough.
- Learn to say “no” to inconvenient requests, unimportant matters and cheap orders. How to save time and move forward if you are trying to please everyone? You can't be good to everyone.
- Try to combine different things - preparing food and listening to a training course, having lunch for a reason, but with a useful person, traveling in public transport and listening to an audiobook, watching a movie and working out your abs, etc.
- You should always have something with you to read or listen to, in case you get caught in a traffic jam or get stuck in line at some office.
- The workplace (including the kitchen) should be comfortable, functional and kept in order. All documents (real and virtual) must be in perfect order. The search should take no more than one minute.
- Make decisions yourself, without dumping them on others. Firstly, managing your life is a real thrill, and secondly, you know better than anyone what you need.
- Take training on speed reading techniques. I once did this, now I can easily read a 600-page novel in a day, but the main thing is that it helps to quickly look through a sea of information.
- Learn to search for information on the Internet and more. Once upon a time at the institute we were taken on an excursion to the library and there they showed us how to properly search for information. I still use that knowledge, because not everything can be found on the Internet and it’s even more difficult to fish something useful out of a sea of junk.
- Train your memory. Any work progresses faster if the information is already in your head or at least you have an idea where to look for it.
- State your thoughts briefly and demand the same from others. Don't associate with fools and slackers.
- Plan trips to offices and shops, to entertainment venues and just around the city at a time when there are the least people and cars there. Go on trips earlier or later than rush hour, plan a vacation at a resort not at the height of the season, but a little earlier or later. This will save you from traffic jams, queues and inflated prices.
- Do the most difficult work during the hours of greatest productivity. Each person has their own - for the majority, these are morning hours, but there are people who work better in the evenings, or even at night.
- Take care of your health - a weak, sick body does not allow you to work hard. The subconscious begins to be distracted by trifles, and all things remain unfinished.
How to save time at home?
- Every thing in the house should have its own place. We find it for every purchase as soon as we bring it home.
- (I ask men not to read this paragraph :)) A man, from the first day of marriage, must be taught to self-service. While he is at the stage of falling in love, he easily accepts your rules - that dirty clothes need to be thrown into the washing machine, that he can cook breakfast, heat up borscht, clean his shoes himself, that he is responsible for all the equipment in the house from taps to computers, etc. .d. You are not his mother or housekeeper - you can please and pamper him, but you cannot nurse him.
- (This one is also not for men) Don’t allow yourself to have quarrels and scandals, this takes not only time, but also energy. Conflicts are resolved as follows: - “a problem is discovered - we discuss it - we find a compromise - we move on.” If the conflict is resolved in this way: - “a problem is discovered - a quarrel - a scandal - we don’t talk for several days,” then this chain should end like this: - we break up with this man - we start a new one.
- Socks – in packs. I already wrote about this in the article “How to dress stylishly and inexpensively” - buy the same socks, and for each family member in a different color. I quickly started this fashion after a couple of times, while getting my children ready for kindergarten, I had to look for matching socks in a pile of mismatched socks.
- Clothes should be selected in sets (with shoes and accessories) and hung in the closet as such. How to save time when you have to spend a long time looking for the right option, and then clean out the closet because you rummaged through everything in a hurry
- Make purchases in online stores or at least study the characteristics of products on the Internet. Then you will know exactly why you are going to the store and will not waste time uselessly wandering through the aisles and talking with sales assistants.
- Products need to be purchased once a week and immediately cut into portions. In this case, you save not only time and nerves, but also money.
- The fewer things there are in the house, the less time it takes to clean. Throw away broken, unnecessary, worn-out items and product packaging immediately.
- To work properly you need good sleep. Every adult knows perfectly well how many hours and in what conditions he needs for good sleep, listen to your body and then it will allow you to work hard and fruitfully.
These are my personal rules that I constantly use, but experience shows that everyone must develop their own time management, with their own rules. I recommend reading a couple of books on this topic or taking a special course. They usually provide a ready-made system for organizing working time, plus a lot of tricks that allow you to get a lot done in a short time.
