Do not buy useless things. Of course, this is easier to say than to do … But still try to sometimes refuse a bottle of lemonade or packs of sweets, approaching the box office.
Determine for yourself for what purposes you save and how much it is possible to postpone their implementation. For example: “I want to be able to buy a house in two years”.
Calculate how much you will need to save per week, a month or from each salary to achieve your goals.
Count your expenses. Write down all your expenses within two weeks or month. Detail them as far as possible, try to take into account all minor expenses.
Having calculated expenses, select those of them that can be significantly reduced, and work on it.
Determine your budget. As soon as you get a balance between what you get and what you spend, you will know as soon as you get a salary, how much you can spend and what. Try to leave some amount for unforeseen expenses. Open the savings account.
Do not use credit cards. Since, paying for a card, we create the illusion of a bottomless wallet ..
Fully pay off debts and, especially, loans. It is enough to calculate how much you spend every month on interest ..