Healthy Saving: How to Save Up for a Dream

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

“Save up, save up for a car, and then bam, I broke off and bought myself a whitewash."

(folk humor)

We are surrounded by so many temptations that the very idea of saving money for something big - a trip abroad or buying a car - seems almost unrealistic. After work, our legs themselves carry us to the grocery store, where various yoghurts, chocolates, packs of chips and cookies "smile" at us from the shelves. Wanting to pamper ourselves with something tasty, we spend a decent amount on all sorts of sweets and "harmfulness", without even thinking that if we started saving this money for a seemingly unattainable goal, we would approach it much faster than millions of the same spenders …

There is a special type of people who are confident that in no case should you deny yourself the purchase of the things you want. In their opinion, this is the right path to poverty: “A poor person thinks in terms of“little, not enough, economy, rainy day,”etc. And the rich allow himself whatever he wants. Spend money and it will come to you again and again. This theory is partly correct: in fact, you should not constantly pull yourself up when your hand reaches for something that you really want to buy. The internal attitude “I can't afford it” is a very insidious thing, it can even turn a well-to-do person into an unfortunate sweet tooth who ended up in a confectionery exactly when he fell ill with diathesis: there seems to be money, but you can't spend it. However, none of the extremes - reckless waste or oversaving - is a healthy approach to finance.

Money should be spent wisely. And even with a modest income, it is quite possible to accumulate a decent amount without prejudice to yourself in the daily necessary expenses.

Of course, this amount will not appear instantly, you will have to make an effort and wait a while, but one day you will be surprised how you managed to save up for a dream on your own.

We have selected for you several options for completely "painless" savings - choose what you like and start making your dreams come true.

Hand-made piggy bank

Of course, you can buy everyone the familiar ceramic pig with a hole for coins and bills, but it's better to build a piggy bank yourself. Firstly, almost all store jugs, as a rule, can be opened and the required amount can be obtained from there. Secondly, you are free to make your piggy bank exactly what you want to have only. Take an ordinary box (for example, from under the shoes), wrap it with duct tape so that it would not be possible to open the piggy bank during a sudden attack of shopaholism. And then glue the jug with clippings from a magazine, pictures printed on a regular printer, or postcards - the main thing is that they depict exactly what embodies your dream: a trip abroad, a new car, a university study, etc. Looking at your creation, you should clearly understand why you refused to buy another harmful bun in the buffet today.

This is a great reason to quit smoking - the money you spend on your bad habit can really benefit you.

Daily minimum

Now determine for yourself which coins and bills you will put into your piggy bank. Of course, 5, 10 and 50 kopecks are also money, but it's still better if the daily minimum is calculated in rubles. Decide that every day you will start saving, for example, from 10 to 100 rubles and try not to deviate from the plan. By the way, this is a great reason to quit smoking - the money you spend on your bad habit can really benefit you.

Monthly minimum

Monthly receipts of money - salary or scholarship - should also be involved in the accumulation process. Decide for yourself that on the day you receive your salary, you will start putting at least 500 rubles in your piggy bank. For those whose income is above average, you can save a larger amount, say, from three to five thousand rubles. And do not think that for the rest of the month you will regret such waste and live from hand to mouth: you just have to delve into your expenses in more detail to understand: this money is already “flying away” on all sorts of nonsense, which you then cannot even remember.

Forget what is already there

You must remember that every day (or at least every other day, depending on how soon you want to save up for a dream) you need to put a certain amount into the piggy bank, but you should forget about the money that is already in this piggy bank. … Simply put, imagine that your egg is empty. This will save you from spontaneous spending, which, as a rule, happens under the influence of a bad mood: "Everything is so terrible, you urgently need to go and buy yourself a new dress."

Use the services of a bank

If in your case we are talking about really large amounts, then it makes no sense to keep them in a homemade piggy bank. It is better to think about storing savings in a bank, where they will gradually increase. Study the information regarding the deposit rates of various financial and credit institutions that are in your city, and choose the one that you trust the most. Keep your savings in a safe place.

It is better to think about storing savings in a bank, where they will gradually increase.

Do not underestimate your strength - you are capable of a lot, you just have to want to. You should always remember that people who today have what you only dream of once also took their first steps and sometimes did not even believe in success. Everyone can save money for a dream, and it's much easier than it seems at first glance.