Table of contents:
- You have the right to pamper yourself
- Money is not important
- Shopping is therapy
- Live the present
- This is an emergency
The pandemic has convincingly demonstrated to us how important it is to have savings. But why is it so difficult to create a financial reserve, even when income provides such an opportunity? Let's figure out what attitudes make us spend more than necessary, and how to get rid of them.
There are many tips on saving money on the Web, but most of them only bring a smile. Go to the supermarket with a reusable bag, they said. Stop buying packages, they said. But even a calculator is not needed to understand: if you refuse packages at Auchan, you will only get rich by a hundred or two rubles a month.
Our money does not flow into bags or into take-away espresso from our favorite coffee shop. Much more hindered by attitudes, matched by psychologists and other gurus and designed "to preserve mental health and peace." Myths about money sneak into your wallet and drain it, leaving us vulnerable in times of crisis and preventing us from achieving long-term goals. Let's figure out which learned mantras should be discarded when dealing with rubles.
You have the right to pamper yourself
Sometimes we say to ourselves: it has been a tough week and I need to relax. I'll start postponing from Monday, but now I want to please myself: after all, I deserve a little holiday!
There is only one problem: rather easy weeks should be celebrated - they happen much less often. We too often delight ourselves with unplanned expenses, and therefore these expenses often seriously hit the wallet.
There is nothing wrong with good emotions. Pampering yourself is also possible and necessary. But when there are long-term goals, before that you should always ask the question: is this a need or a desire? Do I really need these shoes or a visit to the spa? Do they bring me closer to the implementation of the tasks?
If the answers are negative, then think: is it possible to arrange a holiday in another way? A great alternative is a walk, meeting with friends, or a quiet evening watching the series. As the saying goes, the best things in life are often free.
Money is not important
The most important things in our life - friendship, love, family - really cannot be bought. But this does not mean that money is not important: the bills in the wallet and the numbers in the account are the material expression of our capabilities.
It is more difficult to organize paradise in a hut than in a good apartment. Funds invested in education, not spent on dress, will return with interest: freedom, travel and new meetings. So money was, is and will be important. And therefore it is necessary to treat them rationally.
Shopping is therapy
Shopping is fun and stress-relieving. But the feelings and emotions it evokes are fleeting. Shopping will distract only for a while, will help you forget about problems for a while, but will not solve them. Perhaps they will even aggravate: regretting things that are not needed will eventually lead to disappointment and guilt, and negate the brief relief experienced.
Ask yourself: Is it worth paying for a few hours of "high" downtime on the way to long-term goals? And learn to deal with the negativity in life in other ways: through training, walking, or communicating with the people you love. This way you will not lose a sense of control over life and keep the contents of your wallet intact.
Live the present
"We live once!" - These are the words people often say to themselves before emptying a salary card. There is some truth in this: we really do not know what will happen tomorrow, and therefore it seems unreasonable to save money if you can spend it with pleasure right here and now.But there is one "but": as a rule, tomorrow still comes.
A good way out is to always keep two strategies in mind: Plan A, in case an apocalypse happens on Earth next morning, and Plan B, in which you live to be 110 years old. Whenever you want to buy something extra, ask yourself: what are the consequences of today's joy on that very woman from world B? How difficult will it be for the future me to deal with the consequences of these costs?
And, of course, stop perceiving your savings as a bundle of coins with which you will buy a crust of bread in old age. This is your ticket to the world of pleasure and comfort, and with the right investment in the future, you can get even more of them than today.
This is an emergency
"This is an exception that will never happen again!" - this phrase brings immediate relief after the most ridiculous spending. But there is one problem: the chain of such exceptions can be endless.
Then you need to buy a dress, because a friend has invited to the wedding. The coat that you liked for a long time, but did not fit into the budget, is being sold at a huge discount - it is still expensive, but already quite affordable. As a result, you count all emergencies and realize that something happens literally every week.
The way out is simple: think over all emergency situations in advance when you can reach for the card. List only those that definitely require attention: illness, dismissal, breakdown of household appliances, without which you cannot live, or sudden damage to all seasonal shoes. Otherwise, say no costs.
Deal with these financial mantras, and you will notice that life has not become more sad, but the money has increased, because there are much fewer situations when you take out your wallet.