In Russia, a family of three spends 10% more money to buy food than in Europe. A significant part of the budget taken up, prices are rising. "Black hole" are snacks outside the home, such as a cup of tea drunk in the intermission with pastries and sandwiches, can cost more than a ticket to the performance itself, if not sit on the ground. A walk in the park can be spent on the purchase of chips and a Coke. However, if you stock up on sandwiches and coffee, you can save considerably.
Not required for each trip to the store to buy a new bag to be folded into it products, household chemicals, etc. The total annual bill for the cost will be more than 600 rubles. Canvas bag is cheaper and more environmentally friendly. Cooking dinner, cover the pan with a lid, pour into the kettle as much water as cups of coffee or tea are planning to cook. Then the kitchen electricity costs will be less. During the year, you can save about one thousand rubles. Enough for about 1 kg of good tea.
Guests can relax and not spend the extra money. Baubles on memory - a waste of money, as well as souvenirs. In most cases, they will gather dust in a closet. Guided tours are subtracted at least 10-12% of earnings. To spend money on a good ticket - reasonably spend vacation on the little things - sorry. In tropical countries decided to bargain, gifts bought in stores located away from the tourist routes, will cost 15-20% cheaper.
At least 30% of earned goes to the needs of children. It is one thing - to buy you need something quite different - go on about, satisfying whims. If you know in advance that the child is in the central park asks chocolate, you can purchase a tile in the shop near the house and take her with him, attention can be switched in the store, distracting.
You can quit smoking. On average, eat cigarettes 0, 7% of the salary of the smoker. A heavy smoker, whose dose is two packs a day, smoke floats at least 18 thousand rubles. This is the cost of summer holidays at the camp site, for example.
Travel on a reusable card on the subway or ground transport is always cheaper, thinking about the travel, you can save time, do not need to be every time to stand in line for a ticket. But like buying a ticket costs only if the trip is spent by the end of the month in full.
You can try to go to the official websites of mobile operators, a special calculator to enter your data, the results to choose the most favorable rates. For example, the operator MegaFon offers unlimited calls to parents and children for 200 rubles per month, and MTS gives 50% discount on your favorite rooms. In Beeline have unlimited tariff with a fixed monthly fee.
Keep home bookkeeping, record all expenses, revenues and unplanned expenses. Collect checks in a notebook, keep in your wallet a lot of money, calculate how much you need per day, take it with you this amount. Be careful when you pay with a bank card, "plastic money" spent faster. Regularly check the account status, ask for discharge at the offices of the bank, ATMs, you can receive a report on the operations of the mobile phone.
Do not trim a few items of expenditure at the same time, reduce, for example, spending on entertainment, and a month or two - snacks outside the home. Sometimes all you can afford pointless waste.