How to accumulate money

The accumulation of funds eliminates interest payments for the use of a loan, accrualing penalties for the delay in payment. However, in a modern life rhythm and a multitude of temptations, it is hard enough to accumulate more than a monthly salary.

To solve the issue of accumulation of money is to treat comprehensively. But the most important thing is to want to take all measures to increase savings. To accumulate money:

earn money in a convenient way, but better, except salary, work will also make pleasure;
explore articles of their expenses, if necessary, to reduce them as much as possible;
sewing money immediately, how to get them on your hands (salary, pension, winnings), amount of at least 10%;
if the monthly earnings are small, find part-time.

Expenditures of each person have a complex structure. To analyze them, you can use various programs, such as "home accounting", Online applications ( site) or notebook, handle and calculator. You can select several basic articles:

mandatory payments (payment of utility bills, communication services, payments on a loan agreement);
transport costs (public transport, personal car content);
power (calculate approximately);
clothes - These costs are calculated as an annual figure, then divide on 12 to obtain a monthly amount, consider the composition of the wardrobe and the approximate service life of things);
household expenses (technique, dishes, furniture, etc.);
entertainment, rest (gifts for birthdays);
sewing about 5% for unexpected expenses (medical care, penalties, etc.);
monthly savings replenishment depending on the monthly income (minimum 10%).

If the goal of accumulation is a specific purchase within a certain time at a given price, then use the method from a specific one:

the cost of the desired product is divided by the number of months for which you need to collect money to obtain a monthly amount for accumulation;
from the monthly income in turn, deduct in the order of the importance of the amount of costs of expenses, starting with the amount of accumulation, continuing - compulsory payments, food, transportation costs, unexpected expenses, clothing, domestic expenses, ending with entertainment;
if the result is a negative number, then costs should be reduced at its own discretion;
otherwise, the remaining amount can also be postponed for savings or unforeseen expenses.

Money has a property depreciating over time due to the high level of inflation and price increases. Therefore, to keep them at home "in the bank" is undesirable. Cash savings should also work and carry additional income. Examine the conditions on deposit deposits in various banks, choose the best and invest in interest. A more complex option, but also more profitable - investment. In this case, it is better to trust professionals to reduce the risks of the loss of money. Deposits can be done not in one fund, but immediately in several.