How to live on one salary?

On the ground, very few people who are satisfied with their income. Even if a person makes a very large sum of money - he still wants to have more. Scientists from the School of Public and International Affairs. Wilson identified the exact income, getting the majority of people who can call himself happy. This amount is equal to 191.9 thousand rubles. per month. Many such money is not even threatened ... But to live to today, from time to time in considering the future. So, what to do in order to live within our means? Remember the name of the plan itself Putin's plan? He is to double the GDP, ie gross domestic product. It was assumed that in ten years Russia's economy will grow at twice. This program has already been forgotten, but the idea is to use. Plan plan their lives for the next 10 years. This is a very difficult task, but it must be solved. Life - this way, and you need to know in which direction the go. You need to decide what you want to have in a decade: what kind of job, car, apartment / house, family, educational placement of your children, etc. Now divide the cost of your needs by 10 and you get the amount you must earn each year. It will greatly exceed your current earnings? Then two options: reduce the amount desired, but better - looking for new revenue sources. Changing jobs for more lucrative - your top priority. It will have to try. Diversification Experience collapse of the Soviet system proved that all the savings people can depreciate over several days by hundreds of times. But this does not mean you have to opt out of savings. Now be trickier: save up money in various currencies - rubles, dollars, Swedish kroner, pounds sterling. On the economic language this is called diversification. Thus, when a slight increase, your money will be most stable. Put your savings in several banks, remember that the government insures accounts only up to 700 thousand rubles. each credit institution. Even if you are satisfied or you do not have extra money, you still try to set aside at least 10% of their monthly income. Take the example of the rich achievement goals - a difficult process, we need sacrifice nothing just is not given. You may have to abandon the attractive but unnecessary purchases, get-togethers at restaurants or cafes (well, as to refuse it?), On holiday in Goa, ever forget the credits. The savings is a necessary quality of even the very rich. For example, billionaire Michael Bloomberg, for 10 years has only two pairs of shoes, drinking coffee from small cups and spend only where you can buy something cheaper. His example should be the founder of the «Apple» Steve Jobs, who earn hundreds of millions of dollars, consistently goes to work in jeans, sneakers and an old sweaters. Among Russian millionaires such examples of unity ... The economy must be economical now created plenty of opportunities to save money. Looking for products? In supermarkets, there are discount cards, each week there are special prices for certain brands, certain products can be bought cheaper if you buy them a few pieces - as a reserve. Want a movie? Choose the morning session - they are two times cheaper. Want to relax in a warm country - choose hot deals, which cost about 30-50% below normal. Also a lot of discounts on various goods and services can be found online and in the pages of free advertising. Automating the process you will be able to ease the plight of every month to distribute their income. Recently, a new opportunity to quickly manage their money - an online banking service. To use it you need to make a plastic card of one of the major banks. Logged in, you can automate the process of income, expenditure and control of their funds. Program your account every month to transfer the money to pay, utilities, Internet, telephone and other mandatory payments, send money for savings deposits. The remaining amount will be your expenses. Investing matter how many years you were not, but you should not give up three things. The first - food, save on products only when there is an adequate alternative. The second - health and prevention: If you have any problems, do not skimp on a hike to a good technician. Not available expensive clinics, go to a local doctor, but the visit paid him in the reception - the doctor will become much more professional. The third thing - education and self-development: walk to a variety of courses that you like, visit the gym, buy interesting books, go to exhibitions, increase your development at the seminars. These expenses are called investments - all investments will bring you satisfaction and increase your income. Knowingly Kuzma Prudkyy said: "You want to be happy - be happy!" All in your hands, whatever money you did not earn, they are just a means to achieve your goals. Using our tips you will be able to survive on their salaries, which waits for inevitable growth ... if you really want this.