How to buy the apartment presently without parents and lovers

The subject of article fell not from a ceiling – the girlfriend in quality "magic pendelya" asked to write it me. Such articles I wrote much in due time, passed this way itself from beginning to end – from 20 dollars (the first fee for 10 private lessons to the child on English – yes, 2 dollars for a lesson) to own apartment in the center of Minsk (a one-room five-storey apartment block, but nevertheless). I am able to save - it is the fact. And I will tell you about the basic principles.

To work hard

There were in my life times when I worked at three works. Any side jobs did not refuse – worked in the newspaper, after work ran on pupils with English lessons, then still did control and course to order. To library went as to work. In a word, the main thing before beginning to save is to work hard. That was, actually, from what to save.

How to save money

However to work hard and make good money – yet does not mean to save up though something. Before eyes two striking examples. Two of my friends who not bad to the Russian measures earn however are imperceptible for themselves lower all money "on life". And, do not go in a holiday abroad, do not travel around the country, do not buy up diamonds. Money as both of them claim, leaves absolutely imperceptibly.

I will tell at first about one. Every year my friend complains of a situation when there is even nothing to tooth to descend (about the apartment I do not speak – the solution of a housing question there and does not smell). Besides what earns not worse than the others, works as the designer. And, for the life of me, convinces what buys nothing superfluous. I, of course, do not see the complete list of purchases, but right there I quote it its own messages from Facebook: dress, boots, bag, Nike sneakers … And it more than once in a year. Something from clothes is bought every month. Therefore it turns out that even to tooth there is nothing to descend …

The second girlfriend (entirely I do not see a picture, I judge only by her stories - it is only one moment) constantly, every month, buys to the child of a toy which that finds in the Internet in Google. Very much loves the son – cannot categorically refuse. And interest in toys at children as you know, very quickly evaporates. The next expensive toy is thrown very quickly. And it besides that the family still has no apartment.

Of course, to buy the next boots or to please the child with next "chachka" much more simply, than to resolve a housing problem. But, I consider, purchase of the apartment is much more important question, than satisfaction of momentary desire. The moral of "fable" is simple. Every time ask a question: what it is more important for me – the next dress or financial tranquility, a guarantee that when money is necessary, it is possible to get quietly into a cushion and to take NZ? What it is more important for my child – own housing or these constant whims which ruthlessly guzzle the budget?

By the way about the budget

Very often people who not very well dispose of money do not know on what money leaves. It seems to them that they buy only the most necessary. They in it are firmly sure and ready to bet the bottom dollar. But it is worth pozapisyvat at least month the expenditure, and to everyone is to what to be surprised and terrified. So if it seems to you that there is no spare cash, make such monthly experiment – write down where money is spent. And you will see at once expenditure which it would be possible to refuse quite without serious consequences.

At first money, then chairs

How does the narrow-minded scheme of postponement of money look? By the residual principle. At first natratitsya much, and – postponed what remained. I consider what so it is wrong to do. At first it is necessary to postpone how many it is necessary, and here to spend already on residual. Of course, the approximate list has to be also in expenditure – the same obligatory payments. But the budget "will quickly lose weight" by optional expenditure – like delivery of food, expensive cafes, unnecessary toys, the next jackets and jars (including cosmetics, yes – not basic, and over need – one more lipstick, five more nail varnishes). Reserves for economy are always, I assure you. It is very important to understand what relation your daily expenditure have to your grandiose purchase (for example, apartments). It seems that this lipstick, the order of sushi and this amazing coffee in the French coffee shop have no relation to future apartment. And they have, and the most direct. Because it is worth counting the sums in a year …
- on coffee shops;
- on deliveries of food (pizzas, sushi, etc.);
- thrown out in vain I go (because nobody wanted to reach yesterday's borsch – ordered soup miso and sushi);
- on toys with which the child plays no more than a month;
- expenditure for cosmetics which could be avoided;
- expenditure for clothes without which it would be quite possible to do, etc.
… Also very essential sums will emerge.

And how pleasures of life?.

Of course, there is a question: and whether it will want to you apartments if it is necessary to offer the weaknesses?. It, of course, depends on your priorities. If you very much want to get own housing, you will be able to mobilize forces and to gather at least on the first contribution, and then in time to make payments. I paid the 10-year credit for 2 years, than saved 6.5 thousand dollars on percent. My dream of own housing very strongly heated me therefore it was easy for me to have mini-clothes, not to go to a holiday, not to go on cafes, to use inexpensive perfume, etc. Especially as I understood: so will be not always. It is only temporary. It is much more pleasant to drink coffee in kitchen of own apartment, than removable. It is the fact.