Every woman who runs a household is first and foremost an economist and an accountant. You need to take into account a thousand little things, buy them there, update them, postpone repairs for repairs, and forget about yourself. And often you have to save, sometimes even on the most necessary things. Properly planning the family budget and saving money is a whole science that has its own principles and rules. Proper saving contributes to the accumulation of funds necessary for financial stability and material prosperity. But unreasonable savings can lead to the opposite consequences.
We turn to specific recommendations
On what it is not necessary to save? What can and should you afford, even if the budget is very, very limited? People who have achieved financial prosperity are advised to adhere to the following recommendations for successful savings:
- you should never save on health. It is better to invest in preventive examinations than to spend more money on treatment. Addressing an inexpensive specialist with a dubious reputation will be much more expensive than consulting a real professional. If you feel unwell, then immediately establish the cause, and cure the disease at the very beginning will be much cheaper than later treating chronic diseases that have become chronic.
- it is not necessary to save on proper nutrition. You can refuse to eat semi-finished products and harmful products, but on the table must necessarily be fresh vegetables and fruits, dairy and sour-milk products. You can save on vitamin preparations, but sources of "living" vitamins should always be available.
- do not save on clothes and shoes. The English saying goes: "We are not so rich as to buy cheap shoes." And it is true. Qualitative clothing is more expensive, but it will last longer. And, in addition, expensive clothes create the right mood for success and prosperity.
- it is not necessary to save on cosmetics. Cheap cosmetics often contain harmful to health components, cause accelerated skin aging, irritation and allergic reactions. But, the high price is also not a guarantee of quality. It is best to use proven firms with a good long-term reputation.
- on toys for children, too, can not be saved, because this, in the first place, is important for their health. It is better to buy fewer toys, but they should be made of quality and safe materials.
- when buying household appliances you should not save on quality. It will be cheaper to buy an expensive thing that will last for many years than to buy or repair cheap equipment all the time.
- it is not necessary to save on health rest. A full rest promotes the improvement of intellectual activity, relieves stress and stress. You can save money by choosing a place to rest. It is not necessary to spend a vacation in the most expensive resort, many companies have a system of discounts, often held shares. And you can just go with the whole family to the nature, even near the city. In any case, such a holiday will do good.
- do not save on self-study. If you feel an interest in a certain type of activity, then you need to use all available sources for training.
- and most importantly the rule of saving - you can not save on quality, but almost always you can save on quantity.
In addition, financial advisers advise, before starting to accumulate funds, always set a clear goal. Save and save money for a "rainy day" can not, as well as it is not recommended to accumulate funds aimlessly.
With the right approach, saving money will allow you to purchase more valuable and necessary things, and also, in time, help achieve financial independence.