Why do you save money? For what? 'Just so that there are ' If your answer is this, I am more than confident – it is unlikely that you will succeed! Begin accumulating funds (which is what to do and you decide to plan your budget, do not right?) follows from setting goals that you want to achieve. It's simple – go the distance easier if you see the prize at the finish line, and conversely, if the front of emptiness – for nothing can make all the right moves. In other words – you need an incentive. C This should have no problem – we all need something, something that is not cheap: home appliances, car, home You yourself know that you need. But there is one question: whether the cap on Senka? Ie, reach the goal in your reality? If you're reading this, I am more than confident that you can not afford villa on the Adriatic coast.

While not afford it, anyway. I also can not afford, and I do not want to. I want a house in central Russia, want to depart from the North. It is quite feasible, and achievable goal. If you have not decided yet, why do not you savings, we Podkin idea. To begin collect the necessary sum for the usual life for 3-6 months at the termination of all income. And then you can think of and to ensure financial independence during retirement. Suppose that you now do not laugh staging just such a purpose – the state hope, but he did not make a mistake! In my opinion – a very worthy goal for savings! Everything else along the way – I can announce it on their own experience.