How to save money? How fast to save money? With this question quite often, those who want to save for an apartment. After all, in big cities is expensive apartment and the accumulation of even the down payment on your mortgage or a surcharge on the exchange, is a rather nontrivial task.How to solve the problem of accumulation of money, in this case to the apartment, but basically no matter what?
When a question arises, I often hear from those who have never on any of the big things is gained, the notion that either need a huge force of will (which he does not have, but how to develop willpower, read HERE), or that his salary can not save significant money. Well, maybe sometime later, when the wage increase (the children grow up, will deal with furniture and clothing), then the money will be accumulated. (To learn how to increase revenue and make money, see the section "How to Make Money" http:/ / www.sun-hands.ru/6abydsget.htm)
These excuses are useful in principle, in order to avoid feelings of guilt. After all, we can say to yourself and others that now they have external circumstances which do not allow the build up to the apartment. However, this does not help with the actual task of accumulation.
At one time, instead of thinking about the question of how to save money, I'm just in a conversation with himself and with others, rather successfully convinced myself that accumulate in the apartment at the average wage is impossible.
And everything would be fine, but first, the circumstances of life is strongly pressed upon me, and then created a very uncomfortable due to the fact that the apartment where I lived, was crowded and there were constant conflicts. Secondly, I met my friends who told me that during the 2.5 years they have accumulated in the small room. (There was no opportunity to take a mortgage loan) That is, they have shown me that accumulate on the property, even if it is at that time a small room in a reasonable time and at an average wage possible.
Then I started to save money. But the accumulation of the apartment, as the practice requires not only strength of will, as, first, understanding what might build in a reasonable time, and secondly, the accumulation of a particular technology.
To learn how to believe that the accumulation is possible, I've written. Again, the main thing here - the purpose is to reduce to its minimum possible. For example, you want to live in the cottage, which stands about half a million dollars. Such a goal, as it does not visualize, for a person with average wages at all and not a goal but a means to suppress the suggestion of his psyche, and the complexes. The more you visualize this goal, the more you will have most of these complexes and repressed psyche.
So my advice to you. Place the smallest possible target. If you do not have anything, then it may be a room or small apartment on the outskirts of the city (town) on credit. If you already have something, then let the exchange on a two-room studio or a two-bedroom apartment.
Do not be afraid of what the goal is small and not completely solve your problems with housing. First, if the deal with the accumulation of money will go well, no one bothers you increase the target and instead let a little room to buy a one bedroom apartment. Second, think of your goal, not as definitive, but as a step toward the goal. Achieve the objective directly can be very difficult. In most cases, if the target is large, then it must be broken down into some stages.
It is much easier to buy an apartment or a small room on credit, and then exchange it for 2-3 bedroom flat than once to save for a larger apartment.
Total, told how to believe that the accumulation is possible. Now to the actual technology accumulation.
First. You must have concrete figures before his eyes.
This is one of the most important conditions. After all, think for yourself, the accumulation of money - it's not running a short distance, where there is enough power jerk, enthusiasm, or something else. Does not read any article, listen to some man, and inspired to turn the mountain.
No, quite the opposite. The accumulation of even a relatively fast - a minimum of one year, but more often 2-3 years. To much time to maintain your enthusiasm, you must have some tools.
One of the main tools for this - it's the numbers. Read these numbers, try on for yourself.
For example, you want to save for down payment to buy an apartment on credit. Then find out how much is the cost of an apartment, you want to buy as a percentage of the initial payment and additional costs (costs of the bank and real estate agents), and then in front of you a particular number.
You can change the price of an apartment, you can look for other conditions, which will, for example, less than the initial deposit in the bank, you can save money not on the initial payment on the loan, and the exchange of apartments or net sales, but in any case, you must have before a digit.
It seems natural, but a lot of people do not comply with this elementary requirement. They know roughly how much real estate, roughly know how much down payment will be very aware about how much you need for aid for the apartment. But to know about - this is not enough. Do you need a specific figure. Read it and write down the number as well as that from which it is formed. (Assume the cost of apartments 1.5 million rubles., The cost of the initial fee and expenses of the bank 25%, and then your particular figure - 375 thous.)
Second - reporting on the accumulation of lead.
I read somewhere, do not remember where, that one of the most effective means for weight loss for women is not even a unique kind of diet or athletic exercises, and the purchase of scales and inches, the daily weighing and measurement of problem areas with excess fat.
In our case, all the same. One of the most effective means for the accumulation of money - this constant writing down and keeping track of how much money you got, how much delayed and the total amount of money you set aside.
That is, we need only three digits in order to understand we are moving towards the goal or not. These three figures are the most powerful motivator for continued and the most powerful answer to the question, "How to save money." I recommend to read the article "How to believe in themselves and realize their purpose in buying an apartment and living conditions."
Total, the first figure - is income.
I think that getting this figure should not cause you great difficulties. But in any case, you need every month to record your income, especially if it varies from month to month.
The second digit - is the amount you set aside.
Here everything is quite as clear. Take your passbook or statement of bank account where you save money and keep the look at all the records of how much you set aside money for a particular month. Write down this number.
I hope also that you will save money is a bank account, rather than keep them at home. After all, to keep money at home and not spend it - is a daunting task, which is likely to be daunting to you. Do not even think that you can save money at home in a box. Immediately open a bank account and save money in the account.
The third figure - the total amount of accumulation.
As you can imagine - that the total amount you have accumulated over the months of postponement. This also should add on the interest that accrues to you bank.
One of the most important. All these figures have to be just and to be discharged before his eyes. Some people find excuses that any of these figures, it is easy to see, if necessary.
But it's not that you can look at some figures. The fact that the constant revisioning of these figures in your subconscious mind creates the strongest motivation. In order to be able to concentrate on the numbers, you need all of them have ever before his eyes, but not somewhere to look for different documents.
And now the main thing. Get into any notebook or notepad and write in all the figures, and then continually revise.
This is one of the most important actions that you can do for the rapid accumulation of money.
Revise all of your permanent number.
It's hard to say what other action can at times help you accumulate money. After revisioning numbers - this is the secret by which were accumulated the most significant money.
Of course, the beliefs of parents, inspired as a child and a positive example of saving money, may be even more powerful tool. But this case is an example really was. And if such an example before your eyes is not it? And even if it was the worst example, when parents spend all the money to the penny, constantly occupied to paycheck and could not buy either one big thing?
Then you come to the aid of concentration is taking all the digits in a single location, such as a notebook and a constant revisioning of these figures.
How often should I review the numbers?
On the one hand, the more the better. But on the other hand, does not need to force myself too.
In the beginning you will need a few days to gather all the necessary numbers and carry out the calculations to arrive at how much you need to save. And then at least once a month you should see a notebook to write down how much you set aside and the total amount. In the beginning, I recommend you see the numbers once a week or even less.
Of course, not just browse, but also analyze. It is possible that apartment prices have changed, it is possible that the initial payment was not 30%, and 20, it is possible that there were still some changes that will appreciate them.
You can calculate how many months you have left to the target in view of your speed. During the revisioning notebook can consider your ideas on how to reduce the accumulation time. For example, think about your ideas on how you can increase at least a little of your income or reduce expenses.
The farther you move toward the goal, the closer it gets, the more you can review your notebook. Over time, you will not have to force yourself to make all the numbers in a notebook, or at least it will be easier.
Of course, the way of figures and re-reading does not exhaust all the methods that facilitate the accumulation of money. Other methods you can look at "Solar Hands" in the "family budget". However, this method is one of the most powerful ones. If you like it, then perhaps other methods do not even need.
Total problem, as to save money, be solved, and storage methods have perfected many people. In the accumulation of the main thing - it's not will power, and belief in the possibility of achieving the goal, the method of accumulation and the habit of saving, which is training.
One of the most powerful methods of how to save money I have outlined in this article. I myself have been using it constantly and would highly recommend to you for life.
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