Managing personal savings is not an easy task. And the road to financial stability is often full of trial and error. Analysts say that most of us have the same blunders that do not allow us to competently "steer" our cash flows.
We offer to take a look and "try on" yourself Top 10 financial mistakes everyone makes... Perhaps some of the above mistakes will help someone to correctly adjust their own strategy on the path to prosperity.
10. Don't plan for retirement savings
Many people of working age make the same mistake, believing that retirement will come in some infinitely distant period. However, you need to start saving money for old age as early as possible: invest in NPF, the property, bank deposits... Savings made in advance will not significantly reduce the quality of life upon reaching retirement age.
9. Lend to friends
These are large sums. Financial advisors seriously believe that a large debt is a good reason to ruin a relationship with a loved one. Yes, and problems with the return of money arise quite often, and we cannot "put pressure" on friends for a number of reasons.
8. Mortgage housing for a business loan
For many, it is tempting to get start-up capital for their own business on the security of housing. Alas, practice shows that often the business does not begin to develop as rapidly as one wants. And the borrower has to either worsen his own living conditions, or sell a not very efficient business.
7. Agree to a salary "in an envelope"
Payday envelopes are still common in Russian companies. Unfortunately, the employer actually gets the opportunity to stop payments at any time, leaving his employees the minimum amounts allowed by law.
6. Take small loans
Refrigerator, vacation or best mobile phone on credit ... Psychologists say that dependence on loans is becoming one of the diseases of our century. The inability to save and the ability to get a loan within half an hour only leads to the fact that, without noticing it, people find themselves head over heels in debt.
5. Do not save on utility bills
We all scold high tariffs, but we are in no rush to install two-tariff meters, energy-saving lamps or economical household appliances. Meanwhile, it has been calculated and proven that with little effort and great desire, it is possible to reduce the amounts in receipts for water, gas and electricity by 30%.
4. Ignore petty spending
How often do we think that a daily chocolate bar, a weekly glossy magazine or regular taxi rides are tens of thousands of rubles a year? By the way, the desire to save money is a great reason to get rid of bad habits, like way to quit smoking, which takes a lot of money.
3.Keep money at home
Even a short-term bank deposit of 90 days can provide 5-8% per annum, saving savings from inflation, not to mention the risk of robbery. Today banks offer a lot of options, including replenished deposits, for which, for example, you can add 5-10% of your salary every month.
2. Don't plan your purchases
Lack of planning in small things leads to the fact that about 30% of everything that is in the basket during a visit to the supermarket is a waste of money. And if you do not plan large purchases - a car, household appliances, etc., it is easy to become a victim of "credit" disease, gradually overgrowing with unnecessary debts.
1. To be ashamed to ask for a raise
It is so nice to be a “good guy” or “good girl” in the office and to bring a minimum of trouble to your bosses. However, false shyness and fear leads to the fact that income grows at the wrong pace or does not grow at all. Especially women suffer from this “embarrassment”, for whom it is often more difficult to start a conversation about raising a salary or a position than for more assertive male colleagues.