Managing personal savings is not an easy task. Analysts say that most of us have the same mistakes that do not allow us to competently “steer” our cash flows.
We offer a look and "try on" yourself Top 10 financial mistakes that everyone makes. Perhaps some of these errors will help someone to correctly correct their own strategy on the path to prosperity.
10. Do not plan retirement savings
Many people of working age make the same mistake, believing that the pension will come in some infinitely remote period. However, it is necessary to start saving money for old age as early as possible: investing in private pension funds, real estate, and bank deposits. Pre-made savings will not significantly reduce the quality of life upon reaching retirement age.
9. Lending to friends
We are talking about large amounts. Financial advisers seriously believe that a big debt is a good reason to spoil relations with a loved one. Yes, and problems with the return of money arise quite often, but we can’t “put pressure” on friends for a number of reasons.
8. Mortgage for a business loan
For many, it is tempting to get start-up capital for their own business secured by housing. Alas, practice shows that often things start to develop not as fast as you want. And the borrower has to either worsen their own housing conditions, or sell a not too efficient business.
7. To agree to a salary “in an envelope”
Envelopes on payday 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 legally permissible.
6. Take small loans
A refrigerator, a vacation or the 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 lead to the fact that, without noticing it, people find themselves in debt.
5. Do not save on utility bills
We all scold high tariffs, but are not in a hurry to install double tariff meters, energy-saving lamps or economical household appliances. Meanwhile, it has been calculated and proved that with little effort and great desire, you can reduce the amount in receipts for water, gas and electricity by 30%.
4. Do not pay attention to small expenses
Do we often think that a daily bar of chocolate, 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, as a 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 ton of options, including replenished deposits, which, for example, can add 5-10% of the salary every month.
2. Do not plan your purchases
The lack of planning in the details 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 acquisitions - a car, household appliances, etc., it is easy to become a victim of a "credit" disease, gradually acquiring unnecessary debts.
1. Too shy to ask for a wage increase
It is so nice to be a “good guy” or “share a girl” in the office and deliver a minimum of trouble to your superiors. However, false constraint and fear leads to the fact that income does not grow at the same rate or does not grow at all. Women suffer especially from this “constraint”, for whom it is often more difficult to start talking about raising salaries or positions than for more assertive male colleagues.
