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Article how to save up money is written by Nikolay Vachevsky with my changes.

But also other problem happens, you understand that you make good money, it is even very good, but you just have no money, everything that you earned, right there spent. Earned 50 000 rubles, at the end of the month they are absent, earned 200 000 rubles, at the end of the month they are absent too, and the main thing that you bought like nothing such valuable, money as though in air evaporated. Here it is already necessary to think how to save up money and not to spend them.

Concerning percent, you have to solve in the first month what percent from salary you are ready to put. That is in the first pay day it is necessary to pay at first himself, to enclose in the future, and already then all the rest. Yes, at first to you it will be uncomfortable, you will know all the same that you have a quite good sum of money. But you will not be able to buy various knickknacks in shops. But in a year it will become to you a habit, you learn to save up money and gradually will begin to grow rich.

What to do when time to remove a contribution came? At once I will tell that in the first months you will wait very strongly when to you defreeze a contribution, you will be able to withdraw all the money and to buy something, but then you will just get used that you do not have this money at least a year. Further I would not advise you something on them to buy as even if you buy the new car, or still some serious purchase, then you will need to think again how to grow rich from scratch and again all life to work for money. Let money will begin to work for you.

Many people live from salary to salary and think how to save up money. They, it seems, also earn not bad, but there is no money all the same. And as there is a wish for a kupitn the new car, the apartment, to fly to the sea. In today's article I will write how to save up money it is correct even if you cannot force it to do yourself in any way.

But for a start it is very important to understand what to save up at small salary it is very problematic. You look if you earn, for example, 25 000 rubles, and you need to pay for the apartment 10 000 rubles, for utilities, for food, you with great difficulty survive for this money, then conversation on postponing a part of means does not even go. And it is not necessary to do it, so strongly to restrain the life, to save on food, etc. Here it is necessary just to begin to earn more, will get new job, to learn something new to begin to bring more benefit to people and that they began to pay you more. Generally somehow, but if you have very small salary, then first of all it is necessary to think how to increase it, but not how to cut down on itself couple of kopeks. You can read as I earned one million rubles from scratch. If at me it turned out & #8212; it will turn out also at you. It is just necessary to show persistence and not to lower a hand when there is no result at once.

And that you receive, you gave means to pay day, and you besides will have no money to spend. Everything is very simple when we have no money, we do not spend them ;). But the most important that a part of money will already work for us in bank, and in a year if to lay off, for example, at least 10% of salary, then it is possible to gather the quite good sum. By the way, I advise still to read article about how to force money to work for itself.

A good way how to save up money will be an investment of a part of income in what grows over time in the price. When I was a student, advertized in the newspaper and bought second-hand phones at the price slightly below than the market. The person wanted to receive quickly money and the transaction was favorable to both. Then I sold phone, having added from above 10-15 dollars and got profit. It is some kind of there was initial level of investment, speculation and trade in one person. Bankers are engaged in it too when they accept your contribution under 7% and right there hand over under 15%.

So, for a start you need to find some investment tool, or several tools where you will save money every month from salary. It is better to find several tools for diversification. But tools have to be such that you could not withdraw money at least a year from there. It can be a bank deposit with replenishment, or some microfinance institution. Refrain from investments in precious metals which offer banks. With them a situation such is that you will be able to sell them in the same bank with big discount. Recently read history of family which after the wedding invested 5000 dollars in bars of silver, and in three years could sell them only for 3000 uye in other bank as other is prohibited by the law.

Yours faithfully,

Here it is very important to keep the word and to save a part of money in pay day even if it seems to you that this month will not turn out in any way because something very important to buy is necessary already precisely. It is necessary to postpone anyway, present that to you reduced salary by 10%, and there is no money just.

But when you invest money in bank decide in what currency you will store savings? Ruble, dollar, euro? Here everything is individual. My position for 2019 such is that the US dollar will become stronger, and other currencies in relation to it will weaken. If you can read article the Forecast of dollar exchange rate for the end 2018-2019, then but make the decision independently & #8212; economists and analysts are mistaken very often, and at times and contradict each other as use different methods of the analysis. But I nevertheless for dollar, sorry, and patriotism there is nothing here.

Let's remember how many times we spoke to ourselves: "Everything will be enough, already everything got me, from tomorrow I begin to save up money". You save, raise a part of money under a pillow, then go to shop, and see a new knickknack there, at first sight it seems to you very attractive, you buy it, spend all money, there passes some time, and you understand that this knickknack did not need to be bought. And it is so constant, a certain sum of money appears, you right there come into shop, saw something at first sight interesting, bought, and there is no money.

At once I will tell what can be written much here, for example that it is necessary to consider the income and expenses, it is necessary to leave off smoking, not to take the credits, etc. I described all this in article how to save money. 35 lethal ways. And the most important that you know all this without me, but for some reason you do not do. You perfectly understand that if now to leave off smoking, then you will be able to save a lot of money, but do not do it. You understand that if to cease to buy various knickknacks, then money will become more, but continue to buy them. Here as I already wrote at the beginning of article, it is necessary to apply a cardinal way, and now I about it will write.

And it is even better when you cannot but save money. For example, conditions of your investment tool such that if you do not invest at the beginning of a month a certain sum money, then all your percent burn down. It is very rigid, and is even a little risky, but such scheme just perfectly will work, and you will not be able to save up money any more.

Everything, the first step is taken, now, when you come into some shop and will see a knickknack there, you will not be able just to buy it as you will have no money. But the brain will prompt to you at once: "Do not worry, you have a salary soon, here you at once have to spend money from salary for this knickknack ;)". And so, that it did not happen, you do not forget that we open the bank deposit which is filled up, that is as soon as you got paid, a certain percent you in pay day postpone for the account.

If you know other ways how to save up money, write in comments!

Therefore if you do not want to risk strongly, then choose the most reliable bank in the country and open a contribution there. Further if you already have some money under a pillow, pull out this money and bear at once in bank. And, an indispensable condition, you should have no opportunities to take away money at least a year even if they will be strongly necessary to you.

What else to esteem?

It is much better to continue to invest, find new tools. In several years when you become richer, you will be able to buy the new car without problems, to go to have a rest or something else. But so far it is a little money, it is better not to spend them, and to continue to increase.

How to save up money if all of you spend? Here it is necessary to think up some cardinal way that at you simply it was not so easy for opportunity to leave the money.