If you want to save money in everyday life, you can use a simple calculation formula - and these tricks.
Try it out.
The month is not over yet, but your account is not looking good
?
If you want to avoid this condition in the future, the so-called
50-30-20 rule could
help you: From now on you should
save
these three numbers in your gray cells.
At least if you are also one of those who are already blank every month after halfway through.
So that you no longer have to live on the back burner, there is this "miracle formula", which helps you to keep an overview of your finances.
50-30-20 rule: This will save you a lot of money - and still be able to afford a lot
In the end, you'll save more money that you can either put aside - or have left over to spend.
But how does it work?
Your
monthly income is divided into three percentages (50 percent, 30 percent and 20 percent) according to the figures
.
With the 50 percent you cover your
monthly expenses such as rent, car, electricity and food
.
It is advisable to have this transferred from your account by standing order at the beginning of the month.
So you have covered the cost of living and can continue trading with the remaining income that is available to you.
With the 30 percent of your income, however, you can do whatever you feel like doing.
Whether
going to the cinema, cosmetics or leisure purchases
- as long as it is within the scope of the sum you can squeeze off, everything that is fun is allowed.
Here you can proceed as you wish: Either you treat yourself to a little something every month or you save the money for a larger or more expensive errand.
To prevent that from happening, there is the remaining 20 percent of the rule.
You deduct
this sum
from your income at the beginning of each month in order to save it.
It is best to transfer this to a separate deposit account by standing order.
This way you are not tempted to spend the "extra money".
Tip:
If you really want to save, you should first get an overview of your finances and, for example, keep a budget book (or optionally an Excel spreadsheet) - there you can write down all expenses, the date and the purpose and then use the red pencil.
Also interesting
: Self-made millionaire reveals: This is how you get rich - in just ten minutes
.
This is what the 50-30-20 rule could look like
According to Freund Online, the 50-30-20 rule for an employee with a net salary of 1,800 euros would look like this:
50%: 900 euros for living expenses
30%: 540 euros for hobbies & Co.
20%: 360 euros for the savings account
Save - and fulfill your lifelong dream
If you follow the 50-30-20 rule in a disciplined manner for a year, you will get results quickly.
After all, this saves you
money on property, retirement provisions and the like
- and on the other hand you can still afford things that you like and enjoy.
However, you should never let this rule slip or go too far, otherwise you will quickly fall back into the old pattern and slide back into the red.
Save money with the 10-second rule - ten seconds shopping time
Trick number two: When shopping, follow the so-called 10-second rule.
It works like this: Take ten seconds to ask yourself in these ten seconds whether you really need the product and what else you could spend the money on.
You can test this when buying socks, for example.
Or, for example, when you are in the bookstore and are not sure.
As a rule, you will already notice in this short period of time whether you really need and want something, or would rather save the money at that moment.
Trick: Pay with cash instead of cards - clean bills can help you save
Trick number three is particularly simple - give it a try.
The tip of the experts: Pay in cash instead of with an EC or credit card.
Because cash enables direct cost control
- simply set a
personal maximum limit, withdraw the appropriate amount and go shopping
until the budget is used up.
And there is another tip if you take cash with you: It might help
to get
new, clean bills
from the bank.
And go shopping with it instead of older and often spent money.
From a psychological point of view, it is supposedly a bigger hurdle to part with the new, clean notes instead of the rest of the money.
Also read
: A woman is always broke - until she applies the 3-day rule.
jp
These seven tips will save you a lot of money in everyday life
These seven tips will save you a lot of money in everyday life
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