10 LAKIH NAČINA DA UŠTEDITE NOVAC / 10 EASY WAYS TO SAVE MONEY

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Da li razmišljate o štednji?

 

Bliži se leto. Svima nam je potreban odmor, bez obzira na situaciju koja nas okružuje. Neko razmišlja o plavom moru, neko o raftingu, neko o planini. Svi imamo različite ciljeve i želje ali nam svima treba isto – novac.

Podelićemo sa vama naše provereno iskustvo o štednji. Mi smo ušli u rutinu i veoma smo srećni što nam novac ne predstavlja problem već nam služi kao sredstvo koje će nas odvesti do cilja.

 

1. Morate imati konkretan cilj na koji ćete se fokusirati. Ne dajte mislima da lete. Zapišite ih. Konkretno šta je to što želite? Jasno to zapišite na papiru!

Na primer – Želim da idem na more, na Kipar, 7 dana, u junu.

2. Koliko to košta? Da, sve koliko mislite da ćete potrošiti plus malo više. Kakve su cene u agencijama? Koliko košta hrana, voda, izlasci, bazeni, izleti… SVE zapišite i izračunajte.

Na primer:

7 dana na Kipru  – hotel + prevoz – 300e

Dnevni trošak – 7*20 – 140e

Ostalo (izleti, šoping i slično..) – 200e

Osiguranje i slično – 60e

Ukupno – 700e

Napomena : cene su fikcija i date su samo kao primer 🙂

3. Sad kad imate konkretan cilj, vreme je da obezbedite sredstva. Prvo i osnovno – NEMOJTE TO DA GLEDATE NA TVu, POTRUDITE SE DA DOŽIVITE. Dakle, skratite troškove za TV, Internet, telefon. Šta vam od toga stvarno treba a na šta dajete hiljade dinara mesečno bez preke potrebe? 

Mesečna ušteda minimalno 20-30e

4. Uvek pravite listu za kupovinu. U kupovinu uvek idite siti (naučno je dokazano da gladan čovek kupi i šta mu treba i šta mu ne treba jer je gladan).

Ograničite budžet za kupovinu, kupite ono što vam treba i što će da nahrani vaš organizam (voće, povrće, meso) a ne ono na šta trošite novac i na šta ćete se navući (i što će vas gojiti).

Mesečna ušteda minimalno 30e

5. Teretana, aerobik…

Sve, ali sve imate na youtube.com. Ako već plaćate internet, a niste profi sportista kojem trebaju razne sprave i lični trener to vam je samo trošak koji vas odvlači od cilja. Da treba da budete fizički aktivni, ali vreme je prelepo pa umesto trčanja na traci trčite pored reke. Lepše je i zdravije.

Mesečna ušteda minimalno 10-20e

6. Nosite od kuće obrok na posao

Sendvič i koka kola ili burek i jogurt su oko 200 dinara. Ako mesec ima 26 radnih dana na to + kojekakve grickalice potrošićete oko 6000 dinara. Napravite sendvič i svež sok kod kuće i uštedite minimalno oko 30e

7. Online kupovina, besplatna dostava, 3 za 2 i slično

Čuvajte se akcija. To uglavnom nisu akcije i uglavnom izadje mnogo skuplje nego inače.

8. Preskočite tu kafu

Ne morate na kafu-piće kad god vas pozovu u kafić. To možda jeste ‚‚samo‚‚ 100-200-500 dinara ali nakupi se. Recite ne.

9.Tretmani, kozmetika, brendovi

Sve to možete same, kod kuće, sa drugaricom. Lakirajte nokte, farbajte se… Nanesite masku za lice. Masirajte se…. Što se brendova tiče, da li je stvarno bitna marka ili kvalitet?

Majica od sintetike u brendiranom butiku – oko 2000 dinara. Pamučna majica – 300 dinara. Krema za ekceme i fleke brendirana – 2500, Lily veoma zdrava krema – 300-400 dinara. 

10. Nemam šta da obučem aka PRODAJ ME

Nemate šta da obučete a pun vam je orman? Tu su Limundo, Kupindo, Kupi prodaj i slični sajtovi. Stara tehnika, sve što vam ne treba i što skuplja prašinu PRODAJTE.

BONUS 

Prestanite da se žalite. Motivišite se i uzmite stvari u svoje ruke. Ostvarite taj cilj, jer ako ne sad, kad? 

Ukratko

⇒Pišite sav novac koji imate i zapišite sve što potrošite.

⇒Odredite cilj – koliko tačno treba da skupite

⇒Rasporedite novac i odredite limit!

⇒Odmah odvojite ušteđeni novac sa gomile, jer će do kraja meseca nestati.

 

***

 

DO YOU THINK ABOUT SAVINGS?

Summer is close. We all need a break, regardless of the situation that surrounds us. Someone thinks of blue sea, some of rafting, the others on a mountain. We all have different goals and desires but we all need the same – money.

We’ll share with you our proven experience about savings. We entered into a routine and we are very happy to say that money is not a problem, but serves as a tool that will take us to the finish line.

1. You must have specific goal on which you will focus. Do not let thoughts to fly. Write them down. Specifically what is it that you want? Clearly it write down on paper!

For example – I want to go to sea, Cyprus, 7 days in June.

2. How much does it cost? Yes, all how much think that you will spend plus a little more. What are the prices at the agencies? How much costs food, water, going out, swimming pools, boat … write down everything and calculate.

For example:

7 days at Cyprus – hotel and transportation – 300e

Daily expense – 7 * 20 – 140e

Other (excursions, shopping etc ..) – 200e

Insurance etc – 60e

Total – 700e

Note: prices are fiction and are given only as an example 🙂

3. Now when you have a specific goal, it’s time to secure the funds. First and foremost – do not do it wach at the TV, make sure EXPERIENCE. So, reduce the costs for TV, Internet, phone. What you really need from it and what you are giving thousands of dollars per month without a pressing need?

Monthly savings least 20-30e

4. Always create a shopping list. Always shop after lunch (it is scientifically proven that a hungry man buy what he needs and what he dont need because he is hungry).

Limit your budget for shopping, buy what you really need and what will feed your body (fruit, vegetables, meat). Do not buy things on wich you will spend lots of money and on what you get hooked (it will fatten you).

Monthly savings minimum 30e

 

5. Gym, aerobics …

Everything, but everything you have on youtube.com. If you already pay for internet and you are not pro athletes that needs to have a variety of devices and personal trainer, you just have an extra cost that distracts you from the goal. Yes you need to be physically active, but the weather is beautiful, so instead of running the bar run by the river. Prettier and healthier.

Monthly savings least 10-20e

 

6.Bring a meal from home to work

Sandwich and Coke or burek and yogurt are about 200 dinars (2euro). If the month have 26 working days  plus all kinds of snacks it will make you a cost of 6000 dinars (60-100 euro). Make sandwiches and fresh juice at home and save a minimum 30e

7. Online shopping, free delivery, 3 for 2, etc.

Beware of action. That’s generally not the action and generally come out much more expensive than usual.

 

8. Skip that coffee

You do not have to go to drink coffee every time someone calls you. Maybe its just a 100-200-500 dinars (2-3-5 euro) but it adds up. Say no, thank you.

 

9. The treatments, cosmetics, brands

Most of things you can do by yourself, at home, with a friend. Paint the nails, haircolor … Apply the face mask. Massage …. As far as brands, is it really important to have brand or quality?

T-Shirt of synthetics in branded boutique – about 2,000 dinars (20-30euro). Cotton T-Shirt – 300 dinars (3 euro). Cream for eczema and stains branded – 2500 dinar (25-35 euro), Lily very healthy Cream without hemicals – 300-400 dinars (3-5 euro).

 

10.I do not have anything to wear aka SELL ME

You have nothing to wear but your closet is full? There are eBay and similar sites. Old equipment, everything you do not need and which collect dust S E L L.

 

BONUS

Stop complaining. You should encourage and motivate yourself to take matters into your own hands. Achieve this goal, because if not now, when?

In short

⇒ Write all the money you have and write down everything you spend.

⇒ Define the goal – how exactly you should need to collect

⇒ Divide the money and set the limit!

⇒ Immediately take the money for saving from the pile, because at the end of the month it will disappear. 

GOOD LUCK

 

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