Neither my friend nor her husband can boast of high incomes, both work on regular work with an average salary. But at the same time, my girlfriend always has money. I have never heard from her that she has nothing to pay for groceries, or that she uses a credit card. Every year they go on vacation on vacation, including to foreign countries, slowly make repairs in the apartment, and save money on a monthly basis. Sometimes it seems to me that she found a portal in a parallel dimension, where there is a safe with gold. I’m also economical, but I can’t do this. Of course, every time I try to find out a secret from her, but she assures that there is no particular secret, it is only a matter of habits.
It tracks offers and discounts.
Girlfriend always compares prices and chooses the best offer. But at the same time, the discount itself is never for her a reason to buy anything, no matter how attractive the price, if a friend does not need a thing, she will not buy it.
She is not shy about using used things
A friend actively uses such a service as rent, and everything in a row: a camera, baby scales, sling, toys, construction tools, a dress for the exit, etc. She will not buy what can be taken for a while. She enjoys visiting second-hand stores and knows how to find beautiful and good things there, she is sure to take part in events to exchange unnecessary things for the right ones, especially if it's child exchanges, and buys used items from ads. If something became unnecessary to her, she herself can sell, give or exchange.
She has an airbag
This is what allows my friend to never take loans. If you need to buy something large at a bargain price, it simply takes on its own, and then repays its debts.
She doesn't make impulse purchases
I never saw her immediately shouting and buying something in a store with a cry of “Oh, what a dress” or the like. She can try on a thing, take a photo, and then leave to think or search in other places.
She takes lunch with her
Not only a friend, but also her husband prefer to take food with them to work, rather than buying ready-made food or visiting a cafe.
She keeps records
A friend and her husband keep records of income and expenses. For this purpose, each of them has an application installed on the smartphone, information is synchronized. For all non-cash expenses, checks are loaded automatically, so it takes a minimum of time to keep records in the family.
She always pays her bills on time
Payment of housing and communal services, kindergarten, a mug or something else always takes place in their family on time. Therefore, they do not know what a penalty or fine is.
She knows many options for having fun cheaply or for free.
My girlfriend is just an encyclopedia of tips on where to go to have fun in the city without payment or for a penny. She is subscribed to posters and similar groups in social networks, therefore she is always up to date, she manages to register early, buy tickets at the start of sales, when the lowest price tag, etc. She does not hesitate to offer herself as a volunteer for a paid festival, be sure to takes part in master classes in which he does useful things for free with his own hands. And I must say, it is with this friend that I like to spend time the most, as she always offers a diverse program of events.
She has a goal
Saving for the sake of saving is meaningless. A friend and her husband have a very clear goal - they want to live on interest on capital, be free to choose their place of residence and occupation, and give their child a good financial start. And it is precisely this great goal that gives strength not to turn astray, and the ability to find a balance between the present and the future helps this couple even turn the road to their dreams into an exciting adventure.
It boosts financial literacy
A friend spares no time for self-education: she studies investments, information about banking products to choose the most suitable one, reads interesting subject blogs, newsletters, comments on laws and from time to time undergoes training. This allows her to know her rights and not lose money due to ignorance.
Looking at a friend and her husband, I understand that wealth is really in my hands, you do not need to wait for a win in the lottery or look for a millionaire man. You just need to see the goal, make a plan and move forward step by step, not forgetting that you need to keep up with life and enjoy every day.
