Why do we constantly lack money? If it were only low incomes, then this idea would pursue only those who live below the poverty line. However, the lack of money is often experienced by those people whose income is several times higher than the average.
One of the main reasons for the lack of money is the lack of control over expenditures and the commission of vain financial expenses . How to take the family budget under close supervision and receive additional funds for the necessary and enjoyable purchases, we will tell in this article.
Most people do not think about where they spend their money. Finally, having waited for a salary, a person begins to indulge himself with life pleasures. And if you then analyze the expenditure, it turns out that up to 30% of the expenses were accounted for by some spontaneous purchases. Thus, thoughtlessly, a person spends every third salary, or 4 of his salary per year. And this applies not only to those who have a financial surplus to buy pleasant trifles, but also to those who barely make ends meet.
To put expenses under control, you need to ask yourself the following 8 questions literally before each purchase. And the bigger the purchase, the clearer and clearer the answers should be.
1. Do I really need this thing? Can I refuse it? How much is this waste priority?
Answer: “I need this thing, because I want it very much” – wrong. Do you really need this beautiful blouse, because it is already fifty-first in your wardrobe? Or this phone? How important is it that his screen is half an inch larger and he himself is half a millimeter thinner than the one that lies in your pocket?
After all, you still have to spend money on the necessary goods (food, clothing, household items, travel). It will also be necessary to postpone funds for large purchases. One received salary for repairs, tourist trips, buying a car or giving is not enough. For such purposes, you need to systematically and purposefully save (or have to buy them on credit). And, maybe, if you refuse to purchase an expensive perfume (even if it has a “price in half”), then you will quickly realize your dream – will you buy a car?
We do not want to say that you need to deny yourself absolutely everything. Sometimes a donated bauble bought with the latest funds and on time will bring more positive emotions than anything else. And the best spending money you can imagine. We just want you to ask yourself before each purchase: “And what happens if I deny myself this thing? Will it be worse or better? Does this waste keep me away from my goal ? ”
2. Can I buy this item cheaper?
If you still need this purchase, think, can you find the same product at a lower cost ? We are surrounded by many sellers who compete with each other. With the development of information technology, there is no need to personally go around all outlets in search of a better price. It is enough to go on the Internet and study all price offers for this product. And buy yourself a washing gel not for 700 rubles, but in a nearby store for 350 (at a special price). At another specialized service, you can find in which pharmacy the medicine you are selling is profitable.
Feel free to visit the “low price shops”. The distance from the red line and the poor appearance of the display of goods on the shelves will eventually result in a budget savings of 20 and even 50% (when you buy exactly the same things as in supermarkets).
3. Is it possible to find a replacement item?
Take time to search for information about the desired product and its competitors. Televisions Panasonic and Telefunken with the same technical parameters will cost different money. It is possible that the basis of these devices are the same components, and they will work equally long.
Learn reviews about products on the Internet. Ask around your friends. We do not urge you to completely abandon the purchases of well-known brands and go on experiments with nouneym. But if we can find a comparable quality at a lower price, then why not save on it? At the very least, to study this possibility should be mandatory.
4. Can I get a discount?
Do not neglect the now popular bonus programs, loyalty cards, discount coupons, cashback. You can easily get a 5% discount on the goods on the card or return about the same after purchasing it in the form of a cashback. Buying things at a lower cost, during the year you will accumulate quite a significant amount.
5. Is it possible to do without an intermediary?
As you understand, the goods in the store next door to you are offered by the seller, who has wound up his trading margin on the supplier’s price. Think, and whether you have the opportunity to go to the manufacturer directly? In the era of online shopping is not so difficult to do.
Chinese silicone bumper for a phone in the nearest retail store costs about 400 rubles. But if you order exactly the same in China, the purchase will cost 4 times cheaper.
6. Is wholesale purchase appropriate?
Buying in bulk is always cheaper. Even if it is a question of small wholesale batches from 3 units or about purchase of goods in packaging of the increased volume. Suppose you drink 1 liter of juice every day. And in a discounter nearby, when you buy 3 packs of juice, you get a 30% discount. Maybe the product should go there?
It is clear that the acquisition of a large volume of goods is not always justified. If you do not bake pies in the oven, then buy flour no more than a pack of 1 kg once a month. In this case, the purchase of a whole bag of flour will be hardly reasonable, even if the price per kilogram is noticeably lower. But the purchase of laundry detergent volume of 3 liters is more profitable than the same substance in a 1-liter package. After all, it is – consumable. In any case, it will be used as soon as possible.
A very interesting solution is joint purchases over the Internet. The circuit works simply. The organizer brings together several people interested in purchasing the same product. They jointly order a wholesale lot from the seller, and get good savings.
7. And if I buy this thing at another time?
The cost of some products is strongly influenced by seasonality. Buying things after the seasonal demand for them slept is much more profitable. With the onset of spring, sellers get rid of unsold winter collection in order to receive funds for the purchase of summer goods. With stale things they are ready to say goodbye, winding on them the minimum margin, or even at cost.
Prices for winter jackets in the spring “cut in half.” But by next winter the same jacket will cost twice as much again. So why not use this trade feature for the benefit of your family budget?
8. Could I have avoided this waste if I had foreseen something in advance?
When you have to look for money to cover the unexpected waste, ask yourself: “What did I do wrong? Why do I have to overpay? ”After installing a bridge for 3 teeth, you begin to clearly understand that a crown for one tooth would cost 3 times less. And didn’t the dentist warn about it 2 years ago?
And if you count? Wouldn’t the purchase of one pair of good, expensive shoes, which can be carried for 3 years, be more profitable in the end than the permanent purchase of shoes is “cheaper”?
It is clear that the answer to the last question from this list will not allow you to save money at the moment. But you may be able to avoid waste in the future.
All these questions you can fix in a note on your smartphone. Whenever you want to make a spontaneous purchase, you will need to get the phone and slowly walk through the entire list.
Life will not bring joy to a person if he receives only the most necessary. But by setting control over your spending, making purchases deliberately, you will get considerable benefits. With the same income that you have now, the money for the necessary expenses will be more. Approximately 30%.