Why the family budget is mercilessly melting, although it seems that we save on everything

There is always not enough money, no matter how much a person earns. Therefore, you always have to save something, reducing both personal expenses and family expenses. But you also need to be able to save properly. After all, people often only think that they are saving on everything, although in reality they are overpaying for many goods and services. And it's eating away at their budget.



What expenses lead to the fact that money is always not enough? What do we spend on without thinking about what it gives us (and what takes away from us)? Let’s try to disassemble the most popular mistakes that ultimately cost a lot of money.

1. Coffee in the coffee shop
   Of course, visiting a coffee shop from time to time to have a good cup of coffee, with or without dessert, is a wonderful pastime. But many people have already developed the habit of not eating breakfast at home, but buying coffee with them on the way to work. And if each time you give 200-300 rubles for such a pleasure, then even for a month you get a tidy sum. It is much wiser to learn how to make coffee at home than to spend 4000-5000 rubles a month in a coffee shop.
   
   
   
   
   
   
2. Shopping near the house
   In any major city there are enough shops for every taste. Moreover, each conducts its actions on certain groups of goods to attract more new customers. But people are usually lazy to read booklets, do not compare prices and go mainly to the nearest store. That's why they overpay regularly.
3. Wet wipes.
   These wipes are great when you are away from home or go on a trip. But some housewives manage to use wet wipes even to clean the house. Although they have a crane nearby, and many unnecessary rags. Is it worth spending money on another pack of wet wipes?
   
   
   
   

Why you should not pay in advance Paid subscriptions
Enticing offers such as “reduced price only today”, forcing many to reach for a card and make another annual subscription to movies with TV series, learning English, listening to music and other things. And even if today another premium account seems necessary, but will it be used in a month or two? Annual season tickets
It happens that people buy a subscription motivate themselves or the other half on trips to the pool or gym. To some extent, this is justified. However, the fuse quickly dries up, plans and goals change, and the subscription simply dusts the remaining time somewhere in the nightstand. Although you could take a subscription for a shorter period, or instead of the gym to go to the nearest sports ground, or even to study at home for free video lessons from the Internet.





Water overpayment Sweet water.
Often people get so used to wasting water that it turns into an imperceptible bad habit. Some do not repair the dripping faucet, others do not block the water while brushing their teeth, others close their eyes to a non-working tank. And if you also use a washing machine every day, then large water bills should not be surprised. Special attention deserves people who constantly buy bottled water, overpaying for each liter. Although today you can install a quality filter with removable cassettes, which will save not only from unnecessary trips to the supermarket, but also from endless plastic bottles in the kitchen.





Clothing and shoes
The problem here is that people who are trying to save money, buy shoes and clothes cheaper. But high-quality sneakers or jeans may cost more, but they will last many times longer. And even after a couple of years it will look good. In addition, the expensive thing can be carried to the repair shop, where it will be repaired. And for the repair of penny junk, a good master will not even take.





Of course, you can always find ways to save money to reduce family expenses. But the savings should be competent and balanced. Otherwise, attempts to save will force you to check the proverb about the stingy who pays twice.