Is it possible to save up for a trip if you receive a small pension
With the current state of the finances of the majority of the population, it is simply a shame to talk about some kind of savings. We barely make ends meet, there is only enough money for the most necessary, what kind of savings can we talk about?
I listened to a lecture on savings
However, yesterday I was at a webinar (I am constantly learning to find new ways to make money on the Internet), where quite a lot of interesting things were said. Not everything is suitable for everyone, of course. Some things are completely lifeless. Many of these young coaches, often on their own wave, are somewhere far from real life.
But here is what I took note for myself, I also want to bring it to you so that you can think about these things. For me, for example, some stream of consciousness went in this direction.
I tell you the main theses on how to save up for a trip
The most important thing that will help to accumulate is the goal. My goal is to go to the sea in April. Favorite time - not cold, not hot, acclimatization is not required, there are no people, the prices of the old year.
Your goal may be different - a computer, a bicycle, new wallpapers - whatever. But you need to know the price and the need for this item. I need 50,000 rubles because I plan to fly by plane. I must say right away that I have already accumulated part of the amount. Required balance of 30 thousand.
1. Write on a piece of paper the goal and the approximate amount, with a small margin. For inflation, so to speak.
Decide on deadlines. That is, if I have 4 months left, then I need to save 7.5 thousand per month. That's a lot! According to my income, I should have realized it earlier, which, of course, I did. It is best to have enough time left to save no more than 3,000 rubles. At the seminar, it was said that the deferred amount cannot be more than 10% of income. Otherwise, you will have to constantly “drag” money from it, because no one has canceled daily needs. And you won’t be able to save up, motivation will quickly disappear - life will become bad, sad ...
2. But of course it all depends on the goal. If your goal is a million rubles for a down payment on a mortgage, then the amount that you need to save per month will be 20 times more than mine.
3. Along with the accumulation, you need to start keeping a diary of income and expenses. And those expenses that can then be called stupid can be excluded. For example, when I go home from work hungry, I can’t resist and buy some kind of pastry or chocolate. As a result, when I come home, I sit down at the table again, but I eat without pleasure, although there is delicious food at home. I kick myself for eating too much. And the prices for these things in our village shop are quite high. You can’t buy a chocolate bar at a discount here... That’s the savings. And there are a lot of such stupid purchases.
4. Bad habits are the best time to quit. For me it's sweet, for some it's smoking, for others it's beer. All this is harmful to health and cannot justify the costs that we incur.
5. At the webinar, it is advised to open a savings account. I have such an option in the online bank - to save up for a goal. And, in principle, quite convenient. Money is collected in a separate pile, tiny, but interest is dripping from them. Although I went the other way - I opened a bank account, where the interest is higher and there I save up for my sanatorium. And the meaning is the same - not to mix the money that is being accumulated with other money.
6. A cashback card will help those who live in large cities and constantly use chain stores. This is actually beneficial. My son has this card and is happy with it. But for us, who live outside the city, it does not make sense.
These are the thoughts I noted for myself at the webinar. Try and save up for your dream.