In the modern world, most citizens are accustomed to living on credit - apartments on a mortgage, cars on credit, loans for vacation, for repairs, for medical treatment, etc. - you can list endlessly, sometimes people buy even an ordinary phone on credit. But there are still those people who do not want to be credited, but to save money, put it aside in a savings account, so that after a short time it will be possible to buy the desired goods at their own expense. Abroad, there is also the problem of the population's debt burden, however, foreign citizens effectively distribute their budget, and I know how to save money. From their experience, the Russians began to gradually realize that they need to save money, and not just save, but make them work - through deposits, deposits and investments. How to save money?
THE FOREIGN EXPERIENCE OF ACCUMULATION BY INDIVIDUALS SHOULD BE CONSIDERED.
Foreigners assure that it is impossible to save money if you do not have a specific goal. Only having a goal in front of him, a person will do everything to achieve it. Also, depending on the purpose of accumulating money, you can decide what nature the savings will be - short-term (a savings account is opened for a period of up to 1 year, and it is best to choose deposits, savings certificates, deposits that will give a guaranteed profitability); medium-term (from one to five years), long-term (over five years). When setting goals, you need to calculate all your capabilities, determine how money will be saved. For many types of savings programs, there is such a concept as the systematic replenishment - that is, the savings account must be regularly replenished. This is the essence of the program itself. If a depositor has the opportunity to monthly deposit amounts to a savings account, then he can become clients of management companies, microfinance organizations, mutual funds, banking organizations.
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If a person has an irregular income and in the future will not have the opportunity to replenish the account, then he should consider such financial instruments as participation in an investment fund, in savings programs, opening simple deposits and buying bonds. You can replenish the account not only regularly, but also one-time - if suddenly a good amount of free money has formed in the depositor's budget, you can send it to the account without hesitation - this will allow you to save money for a purchase many times faster.
Cash Accumulation of funds in accounts is simply necessary. In general, if we consider the savings programs of the largest financial organizations, then all of them can be divided into several types. First of all, free - the participants of such programs can withdraw money from the account at any time without loss of interest, fines and commissions (one-day deposits, bank savings deposits). Then there are slow savings programs - withdrawal of funds is possible, but it may take some time (mutual funds, securities). This list is completed by hard-to-reach programs - it is impossible to withdraw money from the savings account without losing interest, all the profitability of the deposit will be lost forever. By the way, many depositors choose exactly these conditions of the deposit, because then the desire to withdraw money from the account will not arise. The funds will not be available to the depositor and are more likely to be saved. If a person wants to sometimes use the accumulated money, it is easier for him not to use the accumulative program in a financial company, but to get a debit card - accumulate money on it and, if necessary, use them.
ABROAD IT IS ACCEPTED TO STRICTLY SEPARATE CONCEPTS AS INVESTMENT AND ACCUMULATION.
When a person just wants to accumulate money, then this can be described by the word "savings", intended for the safety of funds, their accumulation. Investments are inextricably linked with the risk of losing all savings, or part of the invested capital. All financial instruments have their own characteristics. For example, they may not carry any risk, give their owners a guaranteed profitability, confidence in the safety of savings and, as a result, in the future. These financial instruments include bank deposits and deposits, bonds - they do not give a high level of income, they are suitable for short-term placements of funds. There are other types of savings that do not carry any risk of losing funds, but the profitability on them is zero (most often, such instruments are used by people who want to return their funds in any case). It is important to remember that the greater the risk of losing money, the higher the profitability of such financial instruments will be. And here it is for each capital owner to independently determine what exactly he wants - to get his money back in any outcome, or to get a high profit, but risk money.
Most Russian citizens are afraid of risky activities, they prefer to keep their money in organizations that, first of all, give a guarantee of the return of all invested funds. The time has passed when people in Russia