How to Save Money in 2022: Expert Tips

Having looked through the publications on the topic of how to save money in 2022, you can easily make sure that they do not differ much in content from those that were in prosperous 2019. Then the experts had objections to gold and real estate, but the same was discussed in a year rampant pandemic, and in 2021, when the economy began to smoothly recover. The opinion of an expert from a higher school of financial management also boils down to the fact that real estate is not worth attention, but he also does not recommend securities as an investment. Consider whether it is worth listening to all the advice.

Food for thought

Before you feverishly seek advice from associate professors of economics schools, study expert opinions and read lengthy discourses on information portals on how to save money in 2022, you can listen to what economists have to say. They do not refer to specific recommendations, but simply analyze the current situation.

According to experts, the question should be posed somewhat differently: not just to save money, but to save and increase, so as not to lose due to negative processes in the economy. The whole secret is not how to save money, but how to accumulate it first, and only then start investing.

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The secret of accumulation and investment is to abandon immediate needs, prohibitively expensive and short-lived things. It is necessary to take into account what factors affect the depreciation of money, and avoid actions that would simply compensate for the level of inflation or the cost of rising prices for utilities for the current year:

Inflation is the main enemy of cash, gradually leading to its disappearance. By placing money at interest for full or partial reimbursement of the CPI or inflation, a person is simply doing charity work, and in favor of not the poorest representatives of society. The inflation rate can be compensated for in different ways, tracking what and how much has risen in price in the current year.
The devaluation of the national currency during the pandemic has ceased to be of cardinal importance simply because the dollar-euro pair is also under threat: more and more experts strongly recommend "not putting all your eggs in one basket", dividing savings into three parts, not giving preference to one type. Previously, it was possible to earn a little extra money on quotes, but now this opportunity has been monopolized by the state.
Eurobonds and foreign shares, previously recommended as a safe investment, only profit from a large amount. Having invested money in a dozen securities, one should not count on significant profitability, especially in light of the unfavorable economic situation in the world.
Gambling on the stock exchange is gambling and addictive, like any entertainment, besides, it initially gives some profit. But statistics show that as a result, 99% of players are left not only without a win, but without any money at all at the final stage. Here, as in a casino, you need to have a special mindset, and this is what is called "being able to count cards."

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Expert advice in most cases contains trivial lists of investment methods that pose significant risks for investors or turn into illiquid investments. When realized in difficult times, they can bring profit or loss to the same extent. It all depends on many factors.

Common Tips

In search of information on how not to lose savings, there is a 100% chance of repeatedly seeing items from the list:

Bank deposit. It can be a fixed-term deposit, from which it is impossible to withdraw funds before the agreed period, or an indefinite one, the interest on which is as much lower as the conditions are more convenient. Plus the need to take care of the safety by placing in certain banks. Earlier, interest was dampened by the rise in inflation, and money was saved, but now this measure does not provide a guarantee.
A multicurrency deposit is positioned as an effective and surefire way to save money, but a fall in the ruble will invariably affect the value of the car planned for purchase. More than once, people who saved up funds for a prestigious item in this way lost on the difference in market and exchange quotations, and the interest for placing currency in Russian banks is so scanty that it does not even compensate for half of the inflation rate.

Gold is good advice if it is not about purchasing products from a well-known brand, but simply gold bars. This is a reliable investment for the long term, the risk of losing significant funds is excluded here, and even if the quotes fall, the losses will be less than on paper money that lies under a mattress or in a glass jar.
Mutual funds have been advertised too aggressively lately to be trusted unconditionally. A figurative comparison with a collective wallet, as well as a call to entrust funds to specialists, is alarming, especially when you consider that, according to the conditions, some of them can be withdrawn only in the allotted time intervals or at the end of the work.
Investment insurance works on the same principle - on the trust of strangers, especially since deposits on it are not even protected by the state.

Constructive advice on how to save money in 2022 is securities, and here you can really save money, albeit without making a big profit. These are preferred shares and federal loan bonds

Expert advice will not be needed if the savings are small and they will not increase. The most banal advice works here - to get everything you need, to take care of your health, to allow yourself a good rest. Recently, the demand for country houses has grown in metropolitan cities. And this suggests that people with savings are thinking more and more about their own comfort and a healthy lifestyle. And here it is appropriate to remember that real estate is also an investment that will help save money and be beneficial.

Outcomes

In the modern world, the economic situation is difficult, inflation is growing and money is depreciating. Experts advise making deposits in banks, mutual funds and insurance funds. You can find recommendations to invest in gold or OMC. OFZs and preferred shares with a small but reliable return are considered safe. Real estate always remains in value and benefits its owner.