What can not save? How to properly allocate the budget?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Many people in a crisis are interested in what you can not save on. It's hard to answer here. After all, everyone has different abilities, desires and needs. Nevertheless, this question cannot remain unanswered and answered. In any case, there are some points that can sometimes be eliminated from life so that money appears. And vice versa, to spend money on something once seriously, but so that it is for a long time. So what can not be saved on when repairing, shopping and in other areas of human life? Let's try to understand this difficult issue.

For women

A woman is the keeper of the hearth. And often she needs to correctly allocate the budget. What can not save a woman? Perhaps on yourself. Many will be surprised (especially men): how is it? From the point of view of psychology, if a woman saves on herself and lives to her own detriment, then she becomes terrible. And in character, and in appearance, and in habits. And next to such a special person is simply unpleasant to be. From here there is always discontent, neediness and so on.

Men are not drawn to women who save on themselves. But with all this, if the lady provides for herself orreceives a certain amount from her husband / boyfriend, then the male sex constantly requires savings. And this applies to everything from cosmetics to underwear. And then men wonder why a woman next to them has become such a bitch. All this because of the psychology of economy. The woman just feels flawed. Yes, everywhere you need to know the measure. But you have to spend money on yourself. Only with the mind.

Technique

What else can you not save on? For example, in technology. Now technology is developing rapidly and rapidly. But many still try to buy appliances (especially kitchen and household) for a long time. In a crisis, prices for it increase. And sometimes you really need to spend a lot of money (on a new stove, TV, refrigerator, washing machine, and so on) in order to forget about big purchases for the next 10-15 years.

The only thing you can really save on is gadgets. Tablets, phones and communicators. You should not buy such devices for more than 20,000 rubles. The computer is another matter. Such a machine will cost you an average of 30-40 thousand, but it will work for a long time. So, you can and even need to fork out for it.

Food

What can not be saved on in life? For example, on food. This does not mean at all that you need to eat in elite restaurants and buy products exclusively in exclusive supermarkets. On the contrary, this should not be done. But what is it then?

For example, it is worth making purchases at wholesale trading bases. There, the cost is reduced by 3-4 times. Which meansyou can buy more products at a lower price. Many of us live in this way in times of crisis. And with all this, they eat better than those who are bought in ordinary supermarkets. After all, at wholesale bases, for example, 900 grams of Raffaello sweets cost 200 rubles, and in a store - 1000. The difference is obvious. Thus, if you buy in this way, then you should not save. This is simply not acceptable.

Clothes

What else can you not save on? In general, there are many options. But there are some very important ones. And they include clothing. You shouldn't skimp on it. But it's not worth throwing money away. So, you will have to forget about branded stores.

Good things can be bought at sales, as well as in second-hand or thrift stores. In small clothing stores, you can also find something of high quality. Especially when you already have experience. Sometimes those who try to be smart about shopping can save money and look a hundred times better than people who dress in branded stores.

Cosmetics

Many people are wondering what not to save on in a crisis, in addition to the options already listed. To be honest, you can just spend money wisely. And then you don't have to save. In cases where you do not know how to do this, you can "shrink" somewhere. But certainly not in relation to cosmetics. Especially if you have skin or hair problems.

Makeup must be good. And it is known to be quite expensive. If you wantsave money, you can choose a less well-known manufacturer, but with exactly the same composition. But in general, there is no need to constantly save. After all, cheap and low-quality cosmetics can bring a lot of trouble. So everywhere you need to learn to find the golden mean. Creams and masks can be expensive. Medical cosmetics - too. But shadows, powder, eyebrow or eye pencil can be purchased at a lower cost. For example, not in a company store. This will save money and teach you how to choose a cheaper, but no less quality product.

Repair

If you are still wondering what you can’t save on, then repairs can also be attributed to all of the above items. This process is not economical. Especially if you are dealing with private firms or hired workers. Sometimes low wages can simply backfire on you. Services will be provided, but with flaws, of poor quality. Sometimes it’s even so bad that you have to redo everything again. And this is extra spending.

Of course, you do not need to choose the most expensive when repairing. Price is not a guarantee of quality. It is better to read reviews about something, ask around for the opinions of other people, and only then make a decision to buy or hire workers. But in general, repair is a rather costly process. And there is nowhere to go from this. Try to choose a not very expensive option for the provision of services (or not the most expensive goods), but at the same time, those that are very popular among people.

Savings rules

So that you do not have to constantly yourselfto refuse something, you just need to learn how to allocate the budget correctly. And then you will not need to think about saving. But few people have such skills. However, they can be learned.

First, write down all your current expenses on a piece of paper. Start with the essentials - travel, groceries (complete list), utility bills, and so on. Now alternately cross out what you can easily live without. For example, cut down on your entertainment - going to the theater, cinema, and so on. This will save quite a lot of money.

Go to stores and wholesalers with a shopping list only. In principle, if you have chosen a base, then you can do without it. After all, you can save money. Plus, buy more frozen foods. They are stored for a long time. This is a very profitable investment.

You should also not eat at eateries and restaurants. And stop shopping at expensive clothing stores. Learn to look for cheaper, but no less high-quality options. This is the only way to avoid damaging the budget.