How to save money for a family with a small child? How to save a family budget: advice from experienced mothers How to save a family with three children

Hello, dear readers of the site site! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.

We all strive for a good life , and each of us would like to make our life even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.

Unfortunately, in our modern world, you need to learn not only how to make money, but also how to save it and distribute it correctly.

Today we will look at various tricks how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.

To improve your financial situation (learn how to save and save money), you just need to follow the simplest rules, and then you will not have financial problems! Remember: money comes to those who know how to properly handle it!

So, from this article you will learn:

• Is it necessary to save on food, electricity, etc.;
• How to save electricity;
• How to save on products;
• How to learn how to save money and save money with a small salary - proven ways;
• How to accumulate a decent amount;
• Folk tales about money.

Read more about how to save money with a small salary in the family, as well as how to save it, read further in the article.

First thing to remember: saving - this is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, smart And right control and distribute your expenses, refuse from unhealthy foods and habits.

Very often we have, at first glance, petty, but fixed expenses that seem “trivial” to us, but in fact create good holes in our budget for us.

To learn how to save smartly and correctly It takes patience and hard work. But then you will understand what unnecessary costs are, and, perhaps, learn how to profitably invest and make money on it. If you want to know how you can make money, then our article "" will help you.

Saving does not mean at all that you have to deny yourself everything, eat bad products, and generally live badly. To save means to distribute your funds correctly in order to avoid unnecessary costs, to distribute money wisely and not to waste it on trifles. Also in this article you will learn how to accumulate money using the methods of specialists.

You need motivation to get started, that is, the goal: why do you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article, we already wrote about having a small salary). Or do you need a good renovation in the apartment?

A few steps on how to learn how to save and save money correctly

To understand how to start saving, you need to consider several stages.

Namely:

1. Divide all costs into necessary and not really necessary, that is, superfluous or those that can wait;
2. then we consider the resources for which you must pay, and these are: electricity, water, gas, connection, etc.;
3. then you need to calculate the cost of food, and also pay attention to your diet;
4. we set aside a percentage of the money saved, so that they don’t just lie there, but also work.

Even if you try to put off some 10 % (percent) of your monthly income, then in six months or a year you will have accumulated an impressive amount.

And once again we repeat the rule: you should not perceive savings as a limitation or a bad way of life. On the contrary, it will help to significantly improve your life.

Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk around in rags. This has nothing to do with savings!

2. Should I save on food and electricity?

Saving on food (products) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and superfluous ones are removed.

Food expenses- these are the costs that we can influence, because it depends on our desire and on our choice.

We need to figure out in which stores we buy products, by what criteria we choose these products and in what quantity.

Usually we have extra expenses due to wrong diet, the use of harmful convenience foods, buying off the list, unwillingness to cook food yourself.

This also applies to electricity: if everything is done correctly, there will be no financial problems.

Ways to learn how to save money on electricity

3. How to save electricity - 5 simple rules to save on electricity 💡

let's consider 5 simple rules, thanks to which you will learn how to save electricity.

Rule 1 Proper use of electrical appliances

For example, charging for a phone or tablet, plugged into the outlet for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to remove it from the outlet. It would seem a trifle, but our electricity is being wasted.

This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV and so on.

This is one of the first important rules on how you can save electricity.

Rule 2 It is important to use the correct utensils for the electric stove

More specifically, for the burner. After all, a properly sized frying pan will heat up faster, and the stove will not just heat the air. It's simple, isn't it? Probably every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way, you can significantly save energy.

Rule 3 You need to know where to put the refrigerator correctly

Do not believe it, but the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is not installed correctly. Remember: the refrigerator will “wind” less electricity if it is placed away from the electric stove.

Of course, not everyone has large and spacious kitchens, but it is probably possible to place the refrigerator so that it would not at least be on the same side with the stove and not touch it.

Rule 4 Load the washing machine with laundry correctly

For whole 10 – 15 percent more electricity is consumed by our washing machine if it is restarted or not loaded. Did not know? So remember! It is necessary to follow the norm of the weight of the linen! You will also insure against damage to the washing machine in case of overload.

Rule 5

Many electrical appliances must be unplugged at night and even during the day when you are not using them, and even more so when you are not at home. It's not so difficult: left home - turn it off, why should they work in vain.

Only 5 These rules will help you save electricity in the apartment. Not difficult, right?

Here are some more energy saving tips:

• If you decide to buy yourself any household appliances, then pay attention to its power consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future, this amount will pay off through savings. And how much is the overpayment for the year!
• Very good and useful habit - turn off the light leaving the room. But, unfortunately, not everyone is given this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
• It is better to use energy-saving light bulbs than the usual ones. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
• Use a thermos more profitable than boiling the kettle several times, because a thermos can keep warm for several hours.

If you follow these useful, and most importantly, simple tips and tricks, you yourself will see changes in your receipts, and then in your wallet.

Consider in the article 10 Tips for saving money on food:

Tip 1. Experts believe that it is necessary to choose a product not by beautiful packaging, and the more expensive, the better, but you must first familiarize yourself with its composition. A high price does not guarantee high quality. We also pay attention to stock, discounts, And bonuses. Many supermarkets offer us such programs.

It is clear that at first glance it may seem that the difference in 5 rubles It's small and you won't save much. But this is an erroneous opinion of most people, because if you calculate the difference even for a month, you will be pleasantly surprised. And imagine how much savings per year?

Tip 2. We write a list of the most necessary products and we follow it. We only buy products that are on the list. This way you avoid unexpected expenses. There are also all kinds of applications for the phone, and with them you can save not only your money, but also time. All your information will be stored there, and you will not have to constantly think about these lists.

Tip 3. It is important to take as much money with you as you need., but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you will simply have nothing to buy unplanned goods. Thus, you can significantly save on products.

Tip 4. Did you know that a hungry person's brain works differently than a well-fed one? So, in order to avoid temptations, you need to go to the store full! And then you will understand that you do not need all these "sweets" at all.

Tip 5 Try not to run to the store on payday. After all, it is on this day that a person feels richer than he really is, and can spend much more money than he has calculated. Hence, financial difficulties arise, there is not enough for anything, and by the end of the month you can be left without a penny of money.

Tip 6 Experts believe that pay better with cash rather than plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it is harder to part with it.

Tip 7. Similar products are the best way to save! Absolutely every product has a replacement much cheaper than itself. The main thing is to run around the shops, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to sell you something more expensive.

Tip 8 Remember! Expensive and beautifully packaged products will always catch your eye. Look better on the shelves below, “dig deeper” there, most likely you will find a similar product cheaper than what you saw, because expensive goods will always be in sight.

Tip 9. The rule of similar products also applies to other products, for example, medicines. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.

Tip 10. If possible, we do not take children with us to the store! Certainly, children are happiness, and sometimes you want to pamper your baby, but children rush to everything beautiful, and these products are most often expensive. It is better to leave the child at home, and buy him, for example, a cheaper chocolate bar - everything is sweet for the child for joy, and you will avoid tantrums in the store.

We eat healthy, and most importantly not expensive!

Remember, eating healthy doesn't have to be expensive, and you don't have to go hungry to save money. On the contrary, the cost of healthy eating even decreases.

Healthy food, for example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what pies and hot dogs are made of in a stall around the corner or in a nearby cafe. And here you cook with your own hands, and you know everything about your homemade food.

Here are some more tips for buying healthy foods:

1. It is more profitable to buy products by weight, and not in the original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than by weight.
2. If you are buying products from the market, don't forget to haggle! And there is nothing to be ashamed of. It is important for sellers to sell their goods, and it is profitable for you to buy.
3. It is better to come to the market in the late afternoon, at this time the sellers significantly discount the price.
4. It is better to buy meat in a large piece, and at home already divide it into the parts you need. For the price, such meat comes out cheaper than if you bought it by the kilogram.
5. If you have lunch at work, then take food with you. Once again, we repeat that you eat your own food, which means that automatically, you avoid food poisoning and save on it!
6. Try to make a menu for the week ahead - this will help you get only the necessary products.
7. The first dishes are considered healthier than the second, and even more economical and cheaper!
8. Compare prices across multiple stores. Do not be lazy, each store has its own chip and its own promotions.
9. It is not necessary to buy expensive meat, for example, pork, because many tasty and healthy dishes can also be prepared from chicken! Now on the Internet you can find a lot of recipes that will suit you, and you don’t have to sit and invent your own. The main thing is not to be lazy!
10. Yoghurts can be replaced with kefir and fermented baked milk. Yoghurts contain all kinds of thickeners, dyes and sugars. So why not replace them with a more gentle for the body and cheap kefir?
11. Pasteurized milk is much cheaper and healthier than sterilized milk. Milk in a carton lasts longer than milk in bags. And this is its only plus. So is it worth paying for it?
12. Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
13. Buy fresh fruits and vegetables in season, then you can freeze them. All the nutrients in them will remain, and you will save a lot, since in the winter season they are much more expensive.

When you review your diet and follow our advice, even at the end of the month you will see the difference. It's not just about money, it's also about health. After all, all well-known nutritionists and doctors remove fatty, sweet and especially fast food from the diet.

Using these simple rules will help you significantly save on products, support your budget, as well as a healthy mind and shape!

Important tips on how to save and save money

5. How to learn how to save money and save money with a small salary 💰 — 15 useful tips

To begin with, we will look at the rules and ways to save money. And even if you have a small salary, then it's not scary!

Council number 1. Set your financial priorities

After all, you must understand that your financial budget works only exclusively for you, and your financial well-being can depend only on you.

After all, waste can be done both with benefit and without it. But how, then, to understand how our cost is useful? Let's figure it out.

Costs also depend heavily on a person's lifestyle. For example, young people often succumb to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often look at goods that they most likely don’t need, but friends have advised, or the advertisement is beautiful, or the fashion has gone like this ....

Spending is divided into three types- this urgent, not urgent And not at all urgent. Try to make a list of those and those costs for yourself, and perhaps you will understand what you absolutely do not need and what can be crossed off the list.

urgent expenses - this is understandable, food, utilities, perhaps clothes, and if there are loans.

Not urgent - this is a family vacation, for example, it can be postponed, or contributions to studies.

Well not at all urgent we all know very well - these are restaurants, entertainment, buying a new phone, if there is still an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be postponed for a while, and if you reconsider, you can not spend money on it at all.

It is worth paying attention to the last point in the first place. After all, it is important to prioritize your life and understand your goals in life.

If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in your studies, then it is unlikely that you save money .

And also about entertainment and visiting establishments, such as coffee, restaurants, because this is not the most important thing in life.

All financially successful people keep such records. After all, with a good example, you will see what exactly brings you holes in your budget. For example, it will be a trip to a cafe, monthly such visits eat up a large amount of money, and you will understand for yourself that this can be removed.

After all, when you see all the exact numbers of your budget, and not like that, the way of remembering, you will be surprised how much you used to spend without thinking.

As the very famous speaker Anthony Robbins said: What cannot be measured cannot be managed ". Remember this rule, and it will help you achieve your personal material success.

If you still have additional income, then you need to keep records of them. After all, if there are several ways of your additional income, then accounting will help you find out which source of income is more profitable and which one you need to focus more on.

In general, now is the 21st century, and information technology has developed various programs And applications, for financial accounting, which means that you do not have to draw any tables by hand.

You just need to try several programs, and choose the one that will be closer to you in spirit, who will have a more convenient interface. Again, visibility is financial literacy. Visibility will help you identify and direct your expenses and income in the right direction.

Experts have shown that up to 95 percent Russians spend way more of their money on payday. And these percentages do not refer to the level of income.

If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.

To learn how to save money and save it, you need to give up loans.

In conclusion of this chapter, we will give you an example of how to correctly draw up a table of expenses.

6. How to save money in the family - a table of 3 types of expenses 📊

With this spreadsheet, you can keep track of and control your budget, as well as cross out unnecessary expenses. It will help you determine how to save money and how to save it correctly.

Table of three types of expenses:

As can be seen from the table, special attention should be paid to the last column. After all, even if one item is deleted from here, you can see the result, on the saved funds.

7. How to save money the right way 📝 — 4 ways to save money fast

Of course, saving money is not so easy and simple. This has to be learned and requires a little effort and patience. But even the most disciplined, calculating And responsible a person is at risk of making a mistake.

let's consider the most common mistakes among people, and also study adviсe And expert rules to correct these errors.

If you have already begun to accumulate funds, then this is already good. But how to save money correctly and have you chosen the right way? And will you fall apart in half a year? Perhaps your strategy is not as perfect as you think.

Method number 1. What remains, we put aside!

So, you pay all your necessary bills, utilities, buy groceries, and send everything that remains to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left. after all costs and throw in only the leftovers.

Try changing your methodology. When they got paid the very first account, you must have a savings account. Make it your golden rule.

Calculate how much you can give to the bank in a month, and do this first thing. And if you can’t do it, well, anything can happen, for example, there is no time, or there are some temptations to spend your money as soon as possible, then activate the service in the bank, by automatic withdrawal of money from your card of a certain amount to your savings account.

In this way, you can save money and save time. And you will forget about these chores. And then your savings account will pleasantly surprise you.

Method number 2. Where is the money kept?

As we have already learned that a savings account is wonderful. But it is important to know where exactly your funds are stored in a bank or on a plastic card?

After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And to do this is quite convenient and easy, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret what you have done.

Method number 3. Each account for a specific purpose

If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Certainly. if you are saving for only one goal, for example, car or apartment, then everything is fine, this method is just for you.

But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you are already accumulated and what else can wait.

To avoid such problems and difficulties, you need to acquire several savings accounts. And let everyone the savings account will be dedicated to a specific purpose, for example, " by car», « for an apartment», « for education», « to the dacha" etc. Rather, it is the right way to save money in this way, since each “account” has its own “purpose”.

Method number 4. Don't give up everything

It’s not worth it too much, too obsessed with postpone, postpone, postpone. There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" And good mood.

Of course, as we have already said, many habits and entertainments should be abandoned, but this does not mean that you need to become a hypocrite, sit starving, not go anywhere, and even sit in the dark.

When your annual savings account ends, you should think about more serious investments and for the long term. After all, you yourself will feel the difference and want to improve your financial situation.

Tips on how to save a decent amount of money

To conclude our article, let's take a look at 15 tips how you can save money and quickly accumulate it. Some of the tips may be repeated, but you should necessarily remember.

Of course, there is no specific set of rules and tips on how to save money correctly, but then we will consider the advice of experts who offer to use it to simplify saving and accumulating money.

So, tips on how to create savings to accumulate a decent amount:

Council number 1. Paying for purchases in cash

Try to pay for all your purchases and expenses in cash only. So you will clearly feel the difference, and say goodbye to the money that you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.

By the way, if you buy goods through cashback services , then you can save from 1-1.5% of the purchase price. About that, we already wrote in one of our articles.

Council number 2. Deposit money into your account

Each month you put a certain amount of money into your savings account. At the end of a certain period, a pretty tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, get a goal for what your accumulated funds will be spent on.

Try to keep entertainment costs to a minimum. Better spend time with your family, go in for sports. After all, there are many useful ways to replace unnecessary expenses for entertainment in cafes and restaurants, in the end, experiment new inexpensive recipes at home. And you have good skills, and your husband and children will be happy!

Council number 4. Don't fall for promotional offers

Everything that comes into your mailbox, various catalogs and advertisements, is just trying to seduce you. But do not give in, feel free to throw everything in the trash, but rather unsubscribe from these useless mailings that clog your mailbox.

If you have such a bad habit of buying everything, or just to buy something, then make a list of everything that you want to buy. And look through it monthly, you will see if you still need this thing, or was it just an unnecessary temptation?

If you decide that you really need this product, then buy it. But most likely your opinion will change in a month.

Try to cook at home, do not snack in restaurants. This will cost you a pretty penny. You don’t have time at work for lunch at home, and you rush to a nearby cafe for a quick bite to eat? Think!

Prepare your own dinner from the evening at home, there are special food containers that can be heated in the microwave. This will allow you to save on restaurants, and you also agree that you know your homemade food. It's also healthier.

Try to put your money into envelopes: “for a communal apartment”, “for a loan”, “for groceries”, “for a phone”, and so on. And your expenses will always be planned.

Tip #8. Discuss upcoming expenses with family

Discuss material matters with your spouse each week. You need to make sure you are aware of each other's spending. And unity, let it be to success!

Distribute all expenses according to the table, see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!

Tip number 10. Pay the necessary bills first

First we pay all the necessary bills, then we look at the need for other expenses.

Tip #11. Replace paid hobbies, hobbies, etc. for free

If you go to the gym or go in for fitness, then this hobby can be replaced with exercises and running outside in the park. Useful and free!

Tip #12. Give handmade gifts

You can also save on gifts. After all, the best gift is a handmade gift! There are a lot of ideas on the internet these days.

Tip #13. Buy analogues of branded clothes

Remember, money doesn't buy happiness. And including, not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than "branded". In addition, fashion comes and goes, and then things remain unnecessary.

Tip #14. Use exchange services

Try bartering. That is, to exchange services and things. It is much more profitable, and will save good money!

Tip #15. Use e-wallets

Try to save money on virtual wallets such as qiwi, Yandex money, webmoney. It will take time to withdraw money from there, so you will insure yourself against unforeseen and unplanned purchases.

In addition, you can earn a pretty penny on the Internet, money is also withdrawn to these electronic wallets.

9. Superstitions and signs to attract money ☯

Folk omens about money:

• Never lend on Monday, otherwise you risk losing all your money!
• Never betray money from hand to hand, it is better to put it on the table, and then take it. And then the negative energy of a person through money can pass to you.
• If you borrow another person in the evening, then just put the bills on the floor, and let him pick them up. Better remember that it is better not to lend in the evening.
• It is necessary to repay the debt only in the morning and in small money.
• When a debt is paid to you, keep a fig in the pocket on your left hand.
• Keep your money in your wallet carefully, in expanded form and so that they are distributed into different bills.
• Keep paper bills facing you.
• So that money does not disappear, put a piece of a tree from a swallow's nest in your wallet.
• If you have made a good profit, then take one bill from there and keep it in your wallet, do not spend or change it.
• If you decide to give someone a wallet, then put one money there so that the wallet is not empty.
• To make money in the house, put a coin in each corner, and say: "Let him come to my house."
• Keep money in red envelopes or bags.
• Get yourself a money tree and take good care of it.
• Money loves to be counted. Always count your change.
• Never spend every penny, make sure that there is always money in your wallet.
• If you have a newborn in your house, put money under his pillow.
• Count your money on a clean Thursday.
• Try to cut your nails on Tuesday or Friday.
• Never discuss the material income of other people, otherwise there will be none of your own.
• Do not hate the rich and the poor, otherwise you yourself threaten to remain in short supply.
• If you see that a cat or a cat is stretching, then this is for profit.
• If you saw an angry or hissing cat in a dream, then this is a theft. Be careful!
• Be sure to get yourself a dog or a cat at home, otherwise there will be no prosperity in the house!
• There is such a sign that a black cat or dog will protect the house from thieves.

To not need anything in the new year:

• Celebrate the new year in new socks and underwear. And don't forget to give yourself a new hairstyle.
• Try seven different dishes at the table and put seven coins under the chair.
• It is necessary to repay the debt before the New Year, you can even at the festive table.
• When the first strike of the chimes occurs, make a wish by squeezing a coin in your left hand.
• Throw a coin into a glass of champagne and drink it. And then make a hole in this coin and wear it as a pendant.
• On the morning of January 1, wash your face with water and coins.

Superstitions that should never be done:

• Put empty bottles on the table.
• Sit down on the table.
• Put bills on the table.
• Sweep trash at sunset.
• Stand on the threshold.
• Whistle while at home.
• Change big money into small ones.

Well, believe it or not, but many people observe and follow all these signs. Signs after all went from our ancestors. Most importantly, we can conclude that money must be treated carefully, carefully, don't crush them, don't wag. Do not spend all the money, the wallet should not be empty.

10. Conclusion + video 🎥

From this article, we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to reconsider a little your attitude to finances, and to your life in general.

And remember one main thing, there should not be a crazy amount of money, in order to feel in a good financial position, there should simply be enough money.

Good and stable financial situation- these are not millions of dollars at all, every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage your finances correctly. When you yourself understand your income and expenses, then you yourself will understand everything.

By a good example, you will see how much you spend per month, what is superfluous in your life and what you need to give up. It's not all that difficult, the main thing is to manage your life correctly, not to get loans, and if this has already happened, then get rid of them as soon as possible. Then not only your financial situation will change, but a healthy spirit will also wake up, you will be in a great mood every day, as you will forget at least half of your financial problems.

Let's hope that all these tips will be remembered for you, and most importantly, useful. After all, as you already understood, saving- this is not the worst thing, but rather the opposite, useful, which will make your financial and personal life easier and better!

We hope that this article has helped you find answers to your questions - how to learn how to save money with a small salary and at the same time accumulate it. We wish you successful savings, and good luck in all matters!

With the advent of children, the burden on the family budget increases. However, many parents admit that the birth of a child helped them rethink their expenses and learn how to save. How to cut costs without prejudice to the interests of all family members? Here are 12 ways to spend less and get more.

Count your expenses

Start counting how much money you are spending. There are convenient smartphone applications and computer programs for this. It will be more convenient for someone to carry a notebook with them and write down the amounts spent in it. If during the day you don’t have time to do “accounting”, then get into the habit of saving checks, and then every 2-3 days take them out and enter the amounts in a notebook or Excel table.

After the first week, you will most likely be very surprised when you find out how much money you are actually spending. This will help rethink your approach to shopping and will keep you from spontaneous purchases in the future.

Save first, spend later

Only a small number of families have savings, and the rest live from paycheck to paycheck. And of those who still save money, the majority does it from time to time, if at the end of the month there are free funds. But it would be more correct to save not from leftovers, but immediately after receiving a salary: this disciplines.

Look for ways to save big

Buying potatoes at a promotion for 20 rubles cheaper is also savings. But it is better to focus on more essential things. For example, consider whether you need open car insurance, or if you can limit yourself to one driver. Think about whether it's time to give up credit cards and stop paying interest. Estimate your monthly expenses for taxis and home delivery of prepared meals. Find out what tariffs you pay for utilities and whether it is possible to save money by installing meters or vice versa by switching to payment according to the standard.

Plan your purchases

Have you noticed that a spontaneous trip to the store often turns into big expenses, and at the checkout you hear the amount sometimes two or three times more than you expected to spend? But do not carry the goods back!

Now online shopping services for groceries and household goods are gaining popularity. Prices on the site usually do not differ much from store ones, and delivery from a certain amount is completely free. This online shopping experience will help you keep track of the total value of your shopping cart and feel free to remove items from your shopping cart if necessary.

Set a motivating goal

To make saving more enjoyable, set a goal for the saved money to buy what you have long dreamed of. It will be even more effective to put a small picture of what you are saving for in your wallet. Every time you are tempted to buy another t-shirt or snack, look at the image and ask yourself: “Do I really need this thing more than a vacation with the whole family at sea?”

Set aside "random" money

Did a friend repay a debt that you forgot to think about? Did you find a large bill in the pocket of your winter coat? Don't put this "random" money in your total monthly budget. You didn't count on them, so you can do without them. It is better to add this amount to the money that you save.

Pay "imaginary" debts

Have you finally paid off your mortgage or a large car loan? Try to continue to “pay” this debt further, only save the necessary amount in a savings account. If you have been accustomed for years to immediately allocate a certain amount from your salary for a monthly payment, then it will not be difficult for you to do this further.

Open accounts without the possibility of withdrawal

If you decide to save up, then open an account or a deposit with the possibility of replenishment, but without withdrawal. As a rule, such accounts are opened at a higher interest rate, but in case of early withdrawal, the interest is burned. With this account, you will be able to resist the temptation to spend what you have accumulated.

Challenge yourself

Turn saving into an addictive game. Challenge yourself: “Can I save 10% more this month than last month?” Rejoice in every small victory over extravagance.

Buy reusable instead of disposable

Many of the things we are used to can be replaced by analogues, which over time will save you a large amount. For example, try reusable baby diapers, cloth shopping bags, and cloth instead of paper towels.

Formula milk is expensive, so if possible, breastfeed your baby. In addition, pay attention to the composition of baby purees from store shelves. Instead of “banana puree”, prepare an ordinary banana in a blender, instead of “zucchini puree” - an ordinary zucchini from the dacha.

From about a year old, a healthy child can switch to a common table, provided that the family eats healthy food. This means that from this age it is no longer necessary to buy special "children's" cereals and purees for the child.

Don't overbuy

The first trip of future parents to a children's supermarket can be shocking: is it really necessary for a child? And where to get so much money to buy all this? Do not rush to get upset: many families do without half of the "necessary" children's goods. Ask friends who have already had children and they will tell you which purchases were useless. You will be surprised when you find out that a breastfed baby does not need bottles and warmers, and empty jars, pieces of ribbons and other little things interest the baby no less than insanely expensive “educational” toys.

Saving money does not mean limiting yourself and your children. Saving is a more rational approach to how and on what we spend money, what we consider valuable and what is important to us. For modern parents, shopping often becomes entertainment and a way to escape from the routine, and shopping malls have become centers of attraction for families with children.

Once you start to control your spending, you will be surprised how much time (and money) you have freed up. Smart consumption will help you rethink your lifestyle and change your value system, which will benefit both you and those around you.

Every parent knows that a child is a big waste. After all, all children's accessories cost a lot of money, and buying them is a must. It is for this reason that the question of saving is very relevant.

But this does not mean that you will "deprive" the child, you can simply learn to avoid unnecessary expenses by replacing more expensive purchases with identical, but affordable ones.

So how can you save money on a child and at the same time make sure that he does not feel disadvantaged?

Selective online shopping

Almost every young mother made purchases via the Internet. Indeed, in this way you can save time, effort and money, especially if you get on promotions or sales.

Mommy forums already have a list of trusted online stores where the most adequate prices and high-quality baby products are available. Therefore, you can ask for advice from experienced mothers who constantly buy on the Internet.

But the sale price is not always the best. Some stores deliberately increase the price, and then sharply drop it down, thereby luring gullible parents to make a purchase.

Wholesale purchase

If your item of expenditure contains the items that you spend the most money on (like baby diapers), then try to buy them in large quantities right away (for several months or a year in advance).

You should not take diapers at full price, look for promotions or discounts, where when buying one package, the second for half the price, etc. Compare benefits.

Children food

Of course, no one asks to save on food by buying low-quality products where modified starch or sweeteners are added! You can use the advice of our parents, because we somehow grew up without all these imported expensive cereals and mixtures.

And you can make yogurt yourself, believe me, your baby will eat it with the same pleasure.

State programs and benefits from the enterprise

This is the moment when it is worth exploring all the benefits that you can get from being on maternity leave. The state and your employer are required to pay childcare allowance.

Not every company or enterprise will talk about the privileges and benefits that are due to young mothers. Therefore, you will have to find out everything yourself.

Furniture should "grow" with the baby

If you approach the issue of buying children's furniture rationally, you can save a lot of money. The purchase should be multifunctional, as they say - "a lot in one."

For example: buy a playpen that will be adjustable in height and transform into a regular crib. Such a purchase will help you out for six years.

Clothes from friends and relatives

There is no shame in asking friends or relatives for children's clothes. After all, very often kids do not have time to wear everything that they buy or give. Therefore, many have almost new clothes from which their children have already grown.

Seasonal Sales

During seasonal sales, you can buy children's products with a huge discount (up to 90% in some stores). So, buying a scooter in the winter or a sled in the summer will help save money.

Think about what items you will really need in the future and buy them during the sales season.

Hygiene products for two

Products for children are more expensive than for adults. Very often, this price is due to the note - "for children." You can buy regular gels or shampoos for sensitive skin and use them with your baby.

Or the second option, when a budget baby product will perfectly replace your more expensive one. So a regular baby cream will moisturize mom's skin better than a branded product.

Don't make extra purchases

Moreover, you should not buy the entire store before the baby is born. Believe me, with its appearance you will understand what products you really need and what you will never use. Buy strictly according to the list. If you saw a beautiful vest, think, does the child need it or does he have five more of the same?

Gifts from friends and relatives

In any case, close people will not come to visit without a gift. Make a list of what you need. So you will save them from a headache and get those things that will not be left lying around later because they turned out to be unclaimed.

reusable products

Now there are eco-friendly products that perfectly replace regular diapers or bra pads. Yes, they cost a lot! But in the long run, thanks to reusable use, you can save a tidy sum of money.

Now you have learned how to save money on a child without depriving him. If you know other useful ways, then share them in the comments, help young parents close the gap in the family budget!

Vlad and Marina are raising two sons and a daughter:

Marina:

If we talk about cooking, then creativity often helps here. I try never to throw anything away from food, I come up with pizzas or casseroles from the leftovers, there are many options with pita bread - children love this very much, and less time is spent on cooking. And it’s also worth writing a list of quick and easy dishes and fixing it on the refrigerator - it also helps.

We use a lot of vegetables from grandmother's gardens - potatoes, carrots, beets, pumpkins, zucchini, etc. We get this for free. We also freeze berries - in winter there will be smoothies and compotes.

When children get sick, I try not to immediately buy some expensive super-drugs. We are treated with herbal preparations, raspberries, honey, tea with ginger. But this, of course, does not always save.

When there are many children in a family, friendship with relatives and parents becomes very relevant ( laughs). If there are a lot of aunts, uncles, sisters, brothers around, then this develops a bunch of useful qualities in a child very well, better than any circle. Plus, you can leave the baby with relatives when you urgently need to leave somewhere. Well, we share clothes: from the elders to the younger. Sometimes I don’t buy anything for anyone for a whole season, because a lot of people gave away good things. We share them as well.

Grandmothers help a lot - with vegetables, berries, mushrooms, preparations, and sometimes money. You especially begin to appreciate parents when they themselves have children. Oddly enough, an active lifestyle helps to save money.

At first, a pool or a gym for the whole family seems like a waste. But when children really get sick much less, you begin to understand that this is a very profitable investment - in your health.

As for toys, for example, they give us a lot - for holidays, birthdays, we rarely buy ourselves.

In general, if you spend more time with children, then expensive and every time new toys are practically not needed.

They will gladly do anything with you, as long as your attention is given to them. The daughter asks her to make a crown, then a handbag, then clothes for a doll, the boys ask to help them make houses. I make from what is at hand, literally from garbage, but the children are happy.

I go to the store with a list and without children, because it is difficult for them to resist sweets, toys, and it is not always easy for me to refuse them. In the store I try to buy everything you need for a few days, so as not to go every day, otherwise you will still buy something unnecessary. It is also helpful to calculate how much money per month I can spend on food. I estimate how much it will be for about a day, for example, 10 rubles, and I try not to go beyond this amount.

Vlad:

When our first child was born, the question arose with an extra bed. And one had to be with a removable back to be attached to our bed. In the end, I made it myself from the old kitchen. It turned out to be a normal bed, exactly the one we needed for our requests, and practically free of charge.

During repairs, I do almost everything myself - I laid the laminate, for example. Today on the Internet there are a lot of video tutorials on how to do it. The first half hour was hard, and then in a couple of hours he covered the whole room himself. Savings - about 60 dollars per room, and you do the work very well.

Another example: they made a stoker - he poured the floor and laid the tiles, after reading and watching the videos. Everything worked out. I was afraid to make a wall, called the master - and the mood still deteriorates when I look at it.

When you do it yourself, most often it turns out better: you know the features of your house or apartment and take them into account.

I recently made beds for my children. We needed three separate ones for the nursery. After looking in the stores, we realized that we would give a decent amount. There was also a minus that three factory beds did not fit into our room. As a result, I sketched a drawing, bought a tree and made furniture myself. The most important thing was to make a decision. They didn’t even cover it with anything to make it more environmentally friendly, just sanded it well. Everyone is very happy - both the children and us. And all three beds fit into the room. And for the price it turned out - three home-made as one in the store.

Andrey and Natasha are raising three girls:

Andrey:

Clothes for three girls really need a lot. A great help is the one that is transmitted by relatives and my colleague at work. The younger girls inherit everything from Tanya. So far it saves (laughs). Probably, in five years they will wear almost the same sizes, then it will be more difficult.

We try not to indulge much in sweets - it's harmful. Our eldest daughter Tanya did not eat sweets until she was three years old. The average Katyusha is more lucky in this regard. My cousin especially likes to indulge in sweets, although I say that this is harmful. We try to convey to our daughters that everything costs money and all things - toys, clothes and furniture - must be protected. But they are still small, and it's all somehow difficult. We almost never buy toys: everything was presented to the children by our relatives and friends. Someone gave away their children's toys. Natasha herself, by the way, makes soap bubbles for children.

Grandparents help us with preparations for the winter, they themselves do not have time for this. We try not to buy semi-finished products, the spouse cooks all the food - it’s more useful and cheaper in the end. We especially love homemade dumplings.

Car repair on me, I love it.

If you want to save on entertainment, you need to deal with children.

Our attention to them is more important than any toys. In winter, for example, we make snowmen, go down hills, and in summer we ride bicycles. Of course, they want to jump on a trampoline and ride cars in the park, but I adhere to this principle: it is better to save this money and then spend it, for example, on the education of girls or on their own home.

Tatyana and Vasily are raising two boys and a girl:

We are vegetarians. Therefore, some of the products that are sold in stores are no longer needed. We try not to buy ready-made sweets, bread, and in general we go to the store for a very limited list of products. My mother grows vegetables in the village. What is missing, we buy in the market - vegetables, fruits, nuts, dairy products. Well, we buy cereals, unrefined oils - sunflower, mustard, linseed.

I do my own cooking and baking. I try to cook at once - do not store ready meals. We buy yeast-free bread from a girl who bakes with sourdough. Of the sweets, there can be chocolate in bars, sometimes waffles, cookies, but the simplest one is without fillers. I try to constantly look into the composition. We also take marshmallows from the purchased one.

If we touch on the topic of sweets again, children eat sweet porridge, pastries in the morning, and drink milk with honey in the evening. But if someone treats children with sweets, we, of course, do not prohibit it.

We tell them about the harmfulness of certain foods, and the children are already able to understand what is not worth eating. Our children are also learning economy and frugality - otherwise, in our scenario, it is impossible (smiles). We live like this every day. Children learn to share, leave each other, choose what is better to buy, and weigh all the pros and cons.

We almost never buy clothes - either they remain from the elders to the younger ones, or they are given away by friends and acquaintances, and if we buy, then in second-hand. Repair of clothes - with my own hands or my mother helps, construction services - from the master, and also my sister's husband is an excellent master furniture maker.

I myself sew reusable bags, and we all go with them.

A lot of toys were bought when the first child appeared - both developing, and cars, and designers. Since the second and third were born, our main toys are Lego. Moreover, we have a lot of different constructors - wooden, Lego, plastic. And children constantly build global buildings from them, occupying the entire territory of our largest room. This is how we live - we constantly step over villages and cities, bypass Burj Khalifa Dubai and Capital Gate (laughs). Varya's dolls are mostly textile.

I really dislike buying various small toys and I explain to the children: after all, all these small toys delight the eye one day, and then lie around without attention. Most often forever. Therefore, we try to buy rarely, but more expensive and better.

If we talk about entertainment, then we also have everything economically. We spend holidays for children - and for our own, of course, too. We travel with tents and sleeping bags or stay with friends - we have a lot of them around the world.

And the distribution of money for different items of expenditure. When you do this, you understand what expenses can be cut without losing comfort in order to save money for a vacation or retirement. This is a very European approach. And it's nice that modern girls are thinking about such issues.

My first real savings started with spending. It was a yogurt maker to make all the sour milk myself, and I also bought an extra freezer. This, alas and ah, is a small "cube" with a vertical door. Nothing else will fit in my kitchen. The ideal of my dreams is a chest freezer. It takes up little space if you approach the issue wisely (I wanted to put it on a board on wheels in the pantry and pull it out as needed, but I got pregnant for the second time and we bought a mattress bed, a double stroller and my freezer moved to the hundredth plan). So, having extra space for long-term storage, preserving all the useful properties of the products, I won about 30% savings per month.

About to postpone

Now about the budget itself. It doesn't really matter how much you earn. But the golden rule - first earn - then spend. Before, I was constantly squandering everything and everything, and of course, I didn’t put off anything. But the cunning French taught me what to do.

Income is summed up (husband and wife, two jobs, salary and children - it doesn’t matter), all constant monthly expenses are deducted (loans, utilities, rent, insurance, kindergartens, circles, sections, gym, telephone - in general, everything, everything, everything) , the remainder is divided by three, where a third is for food, a third is for vacation, and a third is for a stash. If for some reason you can’t live on one third, see for yourself what you are willing to sacrifice: a vacation, or a stash.

About procurement

Now about purchases. I’ll make a reservation right away that my family consists of two adults, one child on a common table, a one-year-old child on the NE plus complementary foods and a voracious pug. Now more. Come on, admit it: was it that you bought something that you already have? Personally, I have been like this all the time.

Until, on the advice of a friend, I started a "barn book" - an ordinary notebook in fact, and did not take an inventory of the pantry, refrigerator and freezers. Every time I take something, say, from the pantry, I cross it out of the notebook and thus do not forget to buy (without feverishly remembering what I need) and do not duplicate purchases.

About menu

I make a menu for a month. I used to do it for a week, because a month was some kind of unbearable value. Once a month we go shopping, which include: household chemicals, dog food, tea-coffee-cocoa, water packages, frozen vegetables-fruits (if my supplies have run out since the summer), meat-fish, cereals, sugar-flour , water, baby formula, cheese sausages, a carton of whole milk, a carton of regular milk.

Cereals and others like them do not deteriorate and live in a pantry opposite household chemicals. Everything else is cut, cut into portions and sent to the freezer in freezer bags.

Life hack: it is much more profitable to buy a whole carcass, for example, of a large fish and butcher it yourself, than to buy the same fish in portioned steaks. Firstly, bones, a backbone and a head with a tail will also be used, and secondly, it’s really cheaper (only it immediately seems expensive, in fact, if you buy the same volume separately, it will come out more), well, plus you You can see for yourself the quality of the meat, it has not been soaked, aired or tinted.

What I don't buy: ketchup, mayonnaise, semi-finished or prepared food, preserves, canned food, everything that is in metal containers, everything related to foods with a high content of preservatives ... but nutrition is another story.

After this "purchase" on Sundays, and only on Sundays, I go to the market for eggs, fruits and vegetables. I never “follow” stocks (think for yourself: is it profitable for stores to sell at a loss?) And I always take goods strictly according to the list. It used to be hard for me to miss everything out of an old habit, and I took only a certain amount of cash with me, and leave the cards at home.

About cooking

Now about cooking. I cook every day during the children's nap, according to my menu. I make lunch, dinner and something for my husband to work the next day. Now I know the right portions, so zero goes to the trash. Plus an afternoon snack for the kids.

What I do myself: kefir, yogurt, bread (we don’t eat much, but if we did, this would probably be the only product that I would buy every day), cookies, muffins, pastries, purees for the younger, compotes, well and basic food. I don't have a multi-pressure cooker. There is a food processor, but I rarely take it out. Yogurt is made by itself at night, so is kefir. On my day off, I make about 20 servings of purees from whatever I can and then mix them up as I see fit.

It is very useful to do what the French call "defi du janvier". Namely, write down ALL expenses for a month (toys, coffee with girls, purchases, gasoline), and as a result, see where the money goes. For example, I spent a lot of money on nonsense: my then three-month-old daughter did not care at all about the 8th bear, or "such a nice little" bodysuit with a kitten. This is an example, but you understand me, right?).

The main thing is to start and everything will work out.