Financiers argue that even if the level of your salary leaves much to be desired, you will still be able to save a small part and eventually spend a vacation in the country, which has long dreamed of. How is that possible? It’s all about proper planning and motivation, experts say. How to save money without driving yourself into a debt hole – in the material.
Do not borrow or lend
If you really want to go on vacation as soon as possible, then make it a rule to neither take nor give money in debt. In the first case, you can not return the amount on time and spoil the relationship with the person (or even get to the interest, if you initially did not discuss the opposite), and in the second case, if people can not return your money on time and start to “feed Breakfast”, you will also be left without funds and will have to rely only on themselves. But if you still intend to help, for example, friends, then, following the advice of financiers, lend exactly the amount that, in case of no return, you can easily forgive and forget (so you do not spoil relations with friends and do not get into a difficult financial situation).
“You understand, we have difficulties with finances now. We’ll pay. Sometime later»
Financiers remind that themselves (or rather, their professional services and talents) should be valued. And never agree to work just like that, in the name of a bright future. Unfortunately, many employers specifically underestimate wages or even ask to enter into their situation due to temporary financial difficulties and work in advance. They, of course, promise to pay for your work then, that’s just usually it then does not come. You do not wait for the promised money, go to a new job, and your ex-boss finds another “victim”, ready to work almost for the idea. Therefore, immediately clearly articulate their salary expectations and do not agree to work without a contract, because in words you can promise anything, and then just pretend that nothing of this with you did not agree and in General, see you for the first time in my life. Continue reading