Often beloved and socially significant work does not bring a lot of income. Teachers, rescuers, doctors or social workers today cannot be proud of their high salaries. However, recognition in the profession, return on work and respect of colleagues bring satisfaction, despite the level of remuneration. However, one can live without any problems on the average Russian salary of 20 thousand.
You will need
- - a notebook for recording expenses;
- - the Internet;
- - bank account.
Instruction manual
1
Get a notebook to analyze and plan your expenses. Within a month, write down in detail all your expenses in it down to the smallest detail. If you bought products, then write down in detail the cost of each position. Collect all checks and receipts.
At the end of the month, analyze your expenses. If you did not have enough money for the most necessary, you are clearly not spending rationally. See if there were any clearly unfounded purchases. For example, Coca-Cola in a shopping center or unnecessary beads from a sale. If such expenses occur too often, they must be reduced. You may not even suspect how much it takes for a month for small purchases - from chocolates to cigarettes.
2
Having received a salary, immediately pay all required expenses: utilities, Internet, mobile communications. Never put it off until later and do not create debts. This can take, on average, 25-30% of your salary.
If you have expenses that need to be paid annually or quarterly, set aside part of this amount every month. Open separate envelopes with the name of the expense item, for example, "CTP" or "property tax." Every month, put in them a certain fraction of the total amount, and then your budget will not suffer by the due date.
3
Spend on food no more than 25% of the salary. Refuse fast food and convenience foods. Give preference to cereals, soups, pastries, vegetable dishes. Learn to cook healthy, wholesome foods with simple ingredients.
Team up with neighbors or relatives to buy food at small wholesale markets or hypermarkets. Get groceries, household goods, long-term products in large packages and divide them into all. The savings will be much greater than it seems at first glance.
4
Set aside 10-15% of your salary in a deposit account with a trusted bank. The amount of 2-3 thousand only seems insignificant. Even small savings will give you confidence. You can spend them on unforeseen circumstances, for example, in case of illness. And if during the year you do not withdraw this money, then in the end you can afford a trip to the sea or the purchase of large household appliances.
5
The remaining 3-4 thousand you can spend on transport, clothing, home decoration and entertainment. The main principle is a thoughtful attitude to purchases. Stay on top of all sales and discounts. Share discount cards with your friends. But at the same time, control purchases without purchasing unnecessary things just because of the reduced price.
Orders through the Internet will save up to 50% of the cost of any product. In many online forums, users are united for joint purchases in small wholesale online stores. So you can buy literally everything - from bedding and cosmetics to stationery and books.
note
Take loans only as a last resort for urgent needs. If a critical situation arises, you will not be able to cope with payments if there are no additional sources of income
Helpful advice
If you do not plan to receive additional income, be aware of changes in the labor market anyway. Perhaps the level of patches for your post has increased. In commercial companies, it is worth talking to the employer about the corresponding change and your remuneration.
