How to save up for a dream vacation if you have a small salary: 9 lifehacks
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.
“Credit? You didn’t!»
No wonder they say that it is easy to take someone else’s, but you will have to give your own and with interest. So try not to drive yourself into a debt pit (because if you can not pay the loan on time, in addition to interest, the Bank can put you an impressive fine, which, alas, also have to pay you). If, say, you want to buy something expensive (or organize a dream vacation), then just start to slowly save money. Calculate how much time you will need to collect the required amount. After all, when you have a clear idea and action plan (perhaps to find additional income and so on), the required amount will gather much faster. Yes and hoard will become much “feels better”, when you bet before a specific goal, than if you will simply deferred “on anything, then see.
No semi-finished products and fast food!
Those who believe that in the case of the inclusion of “austerity” they will have to switch to cheap food of poor quality (the same semi-finished products, for example, or fast food) are actually wrong. You do not need to limit yourself in food, you just need to review your diet and replace harmful products with something useful. For example, the same meat, fish, vegetables or fruits will come out no more expensive than frozen ready-made dishes, chips, cakes, carbonated drinks or burgers and certainly will bring much more benefit to your body.
Delicious home-cooked food instead of a working dining room
Another item of expenditure that can be optimized – food in the office. So, for example, instead of spending money on the dining room (or restaurant), just accustom yourself to the fact that you will bring home-cooked food to work. It is both more useful and more economical. After all, in the case of catering points you can never be 100% sure that you will be served a high-quality cooked dish there, while home-cooked food will not arouse suspicion. Thus, by the way, you can improve your health and get rid of extra pounds.
To shops with cash only
“But with the same map!”- you can argue, and you will be partly right. However, financiers argue that in this case, the risk of making rash purchases increases, because physically you will not feel the money and therefore will waste virtual bills without regret, believing that “there are still a lot of them.” Psychologists also agree that it is much easier to part with virtual money than with real money. In addition, they urge not to succumb to advertising tricks, such as the action “buy one product and get a second for free” and go to the stores only with a real list of those products that you need to buy at the moment. Such manipulations will allow you to save a tidy sum per month.
Before you buy something, you have to sell something…
Remember this famous phrase cat Matroskin from the popular animated film? And this, as noted by financiers, should be a kind of motto when you decide to spend money on a new wardrobe or better to spend it on something more substantial. In other words, before you buy a tenth pair of the same type of shoes or another outfit, similar to those that are already bored in your closet, it is better to audit your things and decide what you do with it next. It is clear that the worn-out clothes or shoes can be disposed of, but what about those things that, in principle, still nothing (or even brand new, with labels), but for some reason you disliked and you are not going to wear them anymore. Here you can come to the aid of various services that allow you to sell online (or give free of charge) what you no longer need, or find out where in your area there are points of reception of things for poor families and take everything there. And by the way, while you are doing the audit, you may realize that you have enough clothes, so buying new clothes can wait for a while.
Entertainment can wait
No one says that you need to become a recluse or strictly follow the route home-work-home. But think about how much money you leave in Nightclubs, restaurants, bars and other institutions and imagine that if not for these reckless spending, you would rather come close to his dream to visit the country, which has long been dreamed of. To minimize costs, you can remember the times of “tenants” and invite friends for a Cup of tea in their apartments. Or you can have fun picnics and other outdoor activities – especially since the weather now has this. If you are not so sociable person, then you can just take your favorite book and go to the Park to enjoy leisurely walks and quiet reading, when no one distracts you from the process.
Down with bad habits!
It only at first glance it seems that the purchase of spirits or the same pack of cigarettes – not so expensive. However, try to calculate how much you spend on it a week. A month? If you add up all these amounts, then, sure, the desire to indulge their bad habits you have diminished. In addition, now in the trend of a healthy lifestyle, so it is better to abandon bad habits and spend the money, time and effort on something more useful.