How to Learn to Save Money and Achieve Financial Freedom

The component of financial success or how to learn how to save money.
Financial freedom in this life beckons its boundless possibilities for every individual. To get everything from life, paying bills only by national banks, this is very good. But the path to this goal is difficult and accessible and feasible.
Absolutely bright plan to achieve this goal, this is when you have a telegram from the morning. And it says that your relative, who emigrated from Russia to Argentina in 1917, died. In the legacy of leaving the island to somewhere in the Pacific and several hundred million US dollars, and you are only one direct successor. Although this is a "sticky" scenario for Hollywood pop film. In our life everything is much more prosaic.
In modern life, you need to learn how to save money. It is necessary to become economical and reduce all absolutely all expenses. Whichever resources you save, the ultimate goal of saving will still be the paperwork of national banks, as practically the only equivalent of material value.
How to save money?
The rules of saving money were used in the ancient world. Known as the "Babylonian parables", the treatise spoke of the basic rules of saving money in the richest polis of the ancient world of Babylon. The main rule of saving money was saving, saving some of the money earned for stock, for later investing in a profitable business.
In the modern world, the principle of saving money is based on those very ancient postulates. But evolving. Our civilization, the modern consumption machine is set up in such a way as to extract as much finance as possible. And in the given mechanism all are tied up, however, in a various degree.
Modern saving of money is based on some basic principles.
Methods of saving money
To save a tenth of the total monthly income to deposit accounts with banks. The main thing is that the deposit must be easy to use and guarantee the rapid withdrawal of cash banknotes without a serious loss of interest income. You can always find it in any region of the CIS.
The remaining ninety percent of income should be spent reasonably. It is also necessary to squeeze out as much free money as possible from this part of the money. As practice shows, for an average income, the Customs Union is quite real. However, it is necessary to show perseverance, purposefulness. You just need to learn how to save money.
The first thing that is to be done is to proceed to the home bookkeeping. To make a full account of the movement of financial resources. To fix all the arrivals and expenses. For example, not just figures, but budget articles, i.e. Explain how much and what was spent. To do this, both specialized software and hand-written Excel tables are suitable. The first month of saving you just have to write everything down. Next, analyze and find bloated and unnecessary budgets.
They can be as follows.
Payments for the apartment. No economical owner will not allow himself to pour water without the need, leave the lights on, waste excess energy. At first glance, these payments may seem penny, but this is a thin and never-ending trickle of cash flow from your pocket! Believe me, if you combine all such leaks, you will end up with a large river of unnecessary expenses. And you will build a dam on it. First, it can be heat and electricity meters, a water meter, energy-saving light bulbs and electrical appliances, insulated facades, quality window and door systems.
The next point is not to disregard the system of discounts in supermarkets and on sales. Polmira buys on sales and enjoys discounts. I'm not talking about spending on cheap goods. No. It's about seasonal and accumulative customer discounts. This is a direct step towards saving money. Buying a tour to the Maldives or a new mink fur coat, initially it is necessary to inquire about possible discounts on similar offers from other operators.
An important factor in saving money is getting rid of bad habits. Such as nicotine and alcohol. About the heavier drugs I do not say, they should be isolated from society once and for all. You just need to calculate how much you smoke per month, a year, in five years. And how much did you smoke for 10-20 years? Repair in an apartment or at least a holiday in Thailand?
Then you need to get rid of debts and credits. This is a real leaching of money, which leads to collapse. It is a pity that the loans for housing remain unaffordable and they can not be disowned immediately. You must forbid yourself to borrow. It is necessary to get used to living on your own, for a certain amount. Also, you need to stop crediting without interest earned money to third parties. This is not necessary to anyone who is self-citizenship, it binds your financial activity and money management. Does not allow to concentrate on drawing up the competent and precise budget.
These simple rules for saving money will help you not to wonder how to learn how to save money. They will help start to build up the capital, which you can start investing. However, it is worth constantly remembering the economy and rational use of funds. Now you know how to learn how to save money here the main material.
I wish you success!