20 правил экономии семейного бюджета

Денег много не бывает. В этом убеждается каждый, особенно если это семейный человек. Действительно, экономить семейный бюджет труднее, чем личный. Это связано не только с тем, что в семье людей больше и потребностей больше, но и с тем, что к общим деньгам человек обычно относит пренебрежительнее.

как экономить семейный бюджет

Этот список простых правил поможет вам в значительной мере экономить деньги, чтобы вам хватало средств на все нужное и полезное.

Как экономить семейный бюджет:

  1. Планируйте покупки хотя бы за 1 неделю до их совершения.
  2. Ходите в магазин со списком и строго придерживайтесь его. Не покупайте что-то по акции, если не планировали.
  3. Выделяйте на разные сферы расходов отдельный бюджет.
  4. Не носите с собой намного больше денег, чем вам нужно.
  5. Практикуйте покупки в оптовых интернет-магазинах, если их условия вам подходят.
  6. Заведите привычку сравнивать цены в нескольких торговых точках, чтобы покупать дешево без ущерба качеству.
  7. По возможности не покупайте новые продукты, если в холодильнике есть большие запасы.
  8. Покушайте дома, прежде чем идти на прогулку или за покупками всей семьей.
  9. Приучите себя не тратить зарплату хотя бы неделю после получения.
  10. Заказывайте нужные вам подарки, так и сэкономите, и не будет лишнего в доме.
  11. Покупайте меньше сладостей и алкоголя – они вредны для всех, и так вы больше сэкономите.
  12. Избавляйтесь от всех привычек, которые вредят здоровью или угнетают вас.
  13. Ищите нужные вам вещи в частных пользователей на досках объявлений – там можно найти совершенно новую одежду, обувь и технику за меленькие деньги.
  14. Откладывайте 10% заработка, и используйте его для инвестиций в интересное вам дело, бизнес, дополнительный доход. Это не экономия, но предусматривает в перспективе существенное улучшение благосостояния вашей семьи.
  15. Если в вашем доме есть вещи, которыми вы не пользуетесь больше 1-2 лет, продавайте их.
  16. Постоянно уменьшайте количество употребляемой вредной пищи вами и вашей семьей.
  17. Покупайте для своего гардероба как минимум 50% нейтральных, классических вещей. Благодаря этому у вас всегда найдется одежда для любого случая, и не придется покупать что-то срочно, тратя деньги необдуманно.
  18. Больше гуляйте и занимайтесь спортом, предпочтите здоровое питание. Это поможет вам в будущем очень существенно экономить на медикаментах.
  19. Если у вас нет любимого занятия, заведите себе полезное хобби. Например, вязание или шитье позволит вам покупать меньше одежды и текстиля. Точно так же аналогичные занятия.
  20. Иногда заменяйте банальный отдых в кафе или празднование в ресторане походом на природу или просто прогулкой. Это дешевле, полезнее для здоровья, а при выборе хороших мест и намного интереснее.

Соблюдайте эти правила, и вы сможете тратить меньше, а получать больше. Но не забывайте, что экономия семейного бюджета не должна ухудшать качество вашей жизни. Постарайтесь при любом уровне материального благополучия находить возможность заниматься тем, от чего вы получаете удовольствие.

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