Everyone at least once found himself in a situation where the salary is still far away, and in his pockets already empty.
It doesn’t matter what caused such circumstances: unforeseen expenses, reckless purchases or inability to manage money, the main task now is to survive, to reach the salary.
If the money is very tight, you can borrow money from friends or take a loan from a credit institution. Nevertheless, it is better not to go into debt, but to use other methods.
Of course, no one wants to live in austerity mode, but there is no other way.
Below are 10 ways to live up to a paycheck if your pocket is empty. They will help you through difficult times and reach your salary.
Keep in mind that these tips are for people who are in an emergency. If you constantly have difficulty with money, then you need to change jobs or revise your budget.
10. Scrape through the gimbal
First you need to understand how much you have. Count the money in your wallet and begin to "scrape over the guts." Check the pockets of the jackets, search all the bags.
Usually people don’t attach much importance to the little things in their pockets. If you are one of those, then you can collect some more money. Or maybe you are lucky and you will find a larger bill.
Do not limit yourself to clothes and bags. Think about where you still put the unnecessary stuff. A good way out of the situation can be a piggy bank.
9. Start walking
Most people have to go to work. If you also pay a certain amount for travel each month, think about whether you can reduce it. If the place of work is not more than 5 kilometers away and not minus 30 on the street, then start walking.
For some people, the distance is not an obstacle, maybe you will like long walks, especially if the weather is nice outside.
If walking to work is not possible, think of another way to save. If you travel with transfers, walk at least one part of the path. Getting on your own car, replace it with public transport.
8. Save on food
A significant item of expenditure is spending on products. If you try, this amount can be reduced. Forget about cafes, restaurants and ready-made food from the store.
Make a menu for a week to understand how many products you need, conduct an audit in the kitchen, and then go to the store for the missing ones.
Buy simple food: chicken, cereals, seasonal vegetables and fruits, dairy products.
If there is absolutely no money left, then you will have to eat what is at home. Each person in the kitchen has stocks of cereals, canned food, flour. Try to “stretch” the products. For example, one chicken carcass can be eaten for a whole week. There are a lot of budget recipes on the Internet, you will not only save, but also try new dishes.
7. Recognize the problem
Perhaps the most difficult thing in this situation is to recognize the problem. Most people prefer not to think that they have absolutely no money left. They continue to live their usual lives: go shopping, cafes, cinemas. It seems to them that a couple of hundred rubles of weather will definitely not do.
With this approach, one can soon be left without a livelihood. If you have spent a lot, admit to yourself that your "finances sing romances", and in the near future you will have to limit yourself to spending.
6. Reduce all unnecessary
This is not about expensive purchases, but small and insignificant ones that you do not even pay attention to.
It seems to you that a cup of coffee from a vending machine costs a penny, and wet wipes are even cheaper, a new pen or newspaper will also not be able to ruin you. Now calculate how much has already run.
There is one effective way to save money - do not go to the stores. If you ran into the supermarket “for company” or “just look”, most likely you yourself will not understand how you will get out with a purchase.
5. Find an additional source of income
If the money is very tight, look for an additional source of income. Think about what you can do.
If you are fluent in English, then your way out is tutoring. Play musical instruments, also look for students. You draw well, you can draw a portrait to order. If you have a car, you can earn extra money in a taxi, do private carriage. Consider the option of working part-time on the Internet, now there are more than enough offers.
Do not refuse help from mothers who have no one to leave their children with for a couple of hours. Maybe it's not a lot of money, but better than nothing. Also, women often look for housework assistants to clean the apartment after repairs or do a spring cleaning. There are many options, you are sure to find one that suits you.
4. Make the right calculation.
In order not to spend more, you need to correctly distribute the money that you have left.
The most convenient way is to divide this amount by the number of days. As a result, you will get the amount that you can spend in one day. It doesn’t matter how much it turned out, 50, 100, 200 rubles, in no case do not exceed it.
If you need to make some important purchase, for example, you drink pills every day from high blood pressure, first buy them, and then distribute the remaining money.
Do not think that you have to go to the store every day and buy products for exactly 50 rubles. Keep this amount in mind. If you spent the money calculated for three days, then in the near future refuse to visit shops.
3. Sell something unnecessary
The fastest and easiest way to earn money is to sell something unnecessary. Clothing, shoes, equipment - you can sell anything. Place an ad on the Internet and wait for feedback.
Unfortunately, this method does not always work. Your thing may not please anyone. If you do not want to buy it, continue to act.
Place your ad on several more sites. Call your friends, maybe one of them will be happy to buy your item.
2. Use discounts and coupons
Most buyers do not attach much importance to the discounts and coupons that they give in stores. They put them in their pockets and do not even think that this is a good way to save. If you also behave, then you have to clean your pockets again, now for coupons.
Many stores give bonuses or coupons for a certain amount, be sure to use them. Pay attention to discounts. They are provided by supermarkets, hypermarkets, pharmacies.
Do not be lazy. If tomorrow at the supermarket there is a discount on dairy products, do not buy them today, simply because you are too lazy to go shopping every day.
1. Find free entertainment
If you have already figured out the expenses on food and transport, it's time to think about entertainment. Do not think that all this time you will have to sit at home and forget about a pleasant pastime.
Now there are many opportunities to spend your leisure time merrily without spending a dime. Free concerts in parks, master classes, holidays from sponsors, promotions. On certain days you can go to museums for free. It’s not necessary to stay at home.
But from expensive trips to clubs or cafes will have to be abandoned. If you do not want to tell your friends about your distress, think of a reason why you cannot go to the club with them.
Resist the temptation and do not go to have fun "in debt." Live within your means, then you will have much less financial problems.