Economy-as way of life

Having read competitive articles of girls, found for itself many useful tips which by all means I will apply in the maintaining the budget. The subject is very relevant for my family. Crisis time. Salary is paid with delays, we have a credit operating on the apartment. So to live in grand style there is no opportunity - to have to save.
I break the rules on maintaining the budget into several groups:

1. Accounts (rent, credit, taxes)

a) ALWAYS pay everything in time! on penalty fee and the debts of money is not present!. do not burden yourself even more.
b) Try not to use resources (water, gas, light) for in vain. You leave the room - turn off the light. Washed a plate - switch off water so far you take a pan. Pull out everything charging and a wire of devices which operation in your absence is not necessary.
c) Keep all receipts on payment! there are different situations and in case of a dispute to you will be that to show and prove the case.

2. Food

a) Eat AT HOME! An average lunch in cafe of =300 rubles. In a week of =1500 rubles. A month of =6000 rubles. A year of =72000 rub Council: cook food of the house. Homemade food tasty, useful, inexpensive and to you it is not necessary to pay extra for service.
b) Before a visit of OBYAZATELNO shop make the list necessary and purposefully go to those regiments where products from your list lie.
c) Monitor favorable offers and stocks of shops. They really are sometimes favorable.
d) Spend products correctly. This point means aspiration to "waste-free application".
For example, at you bread begins to harden - make toasts! there is a wish for some sweet - open stocks of jam and jams! fine replacement of sugar. Try to bake more itself - pies, pancakes - it is so possible to avoid excess expenditure for white loaf, pastries. e) Rabalka, hunting, campaigns for berries and mushrooms, truck farming and gardening that always helps out and allows to make stocks for the winter.
3. Cosmetics

Here it is really more difficult to save on cosmetics everything. At everyone the type of skin, preferences, contraindications... But who cancelled folk remedies? Masks from sour cream, cucumber, srubs from coffee. Options weight.

4. Clothes

- Make thrifty use of the old clothes.
- Buy clothes on sales
- buy only what is really necessary.

5. Pets

- try to accustom your pets there is what is eaten by you (soup, porridges). Forages for animals are not always qualitative, and a class premium will strike a purse.
6. Entertainments

Without entertainments moreover and in crisis, you will be eaten by melancholy. The benefit presently very often in entertainment centers carry out animation for children and adults free of charge, exhibitions and viewings of cinema can also often be attended free of charge. It is necessary to monitor information in official groups and on the website about prime ministers.

! Useful information!
- Even at a crisis situation try to postpone: 10-12% for large purchase (the equipment, rest, education), another 5-10% - on unforeseen sitaution. (treatment, replacement broken technicians and t, e)
- Use a possibility of a side job
- sell not the necessary things online (old phones, furniture)
- open deposits
- pay off with debts
- organize paid house overexposures for animals whose owners are away.
- teach private lessons, training by the skills.
- leasing of excess living space
- sale of the things made your hands
- divide the expenses into paramount and minor.