Can shopping be an investment
Financially sound behavior implies the allocation of all expenses into three categories: short-term, medium-term and long-term goals. Translating into the language of shopping, short-term ones are, for example, clothes, household appliances, that is, not requiring special funds. The medium-term goals are an apartment (in a mortgage), a car (possibly on credit), etc. Here it is important to be able to keep savings, otherwise there is a threat to become bankrupt. Long-term savings are the territory of your future. It's time to admit to yourself that how we will live in 20–40 years depends on 99% only on us. And it is from us now, with a baggage of time.
Thus, in order to bring the “Invest in yourself” scheme to logical perfection, we propose to distribute all monthly items of expenditures into the specified categories and study what can be returned to the wallet or to the savings account from each “investment”.
Short term goals
Speaking of spending in the zone of short-term goals, if the purchase is “investment”, then “investment income” in this case, by the way, instantaneous, you can call offers on loyalty programs: discounts, points accumulated.Do not forget about cashback, possible when paying with certain bank plastic cards. At the same time taking into account discounts, points and cashback together for one purchase, the “income” will increase. So, armed with a calculator and checks, you can calculate how profitable the “instant investments” turned out to be, that is, how much money you saved by using discount cards, a cash card with cashback, stocks, special offers, etc. By the way, why not follow the rule of transfer Saved amount to a bank account for medium-term savings?
Medium term goals
This item assumes rather large purchases, on which it is necessary to regularly save some of the earnings. Although such purchases require significant costs, they often are not investments. Agree, the car is unlikely to sell in 3-5 years for the original or a large amount. In this case, the income can bring exactly the money. Since it is assumed that the next 3-5 years the amount will lie motionless, increasing from your top ups, you should carefully consider the options where to keep it.About piggy banks and linen closets forget. Attention to bank deposits, bonds, mutual funds ... The main thing is to pay attention not only to interest rates, but to take into account risks, conditions of unprofitable withdrawal, replenishment possibilities, etc. By the way, today there are also bank cards, which, unlike deposits, they do not need to part with the money for a year or two or three, but allow you to receive interest on the amount that is stored on the card and can be used at any time without loss of interest and complicated closing operations. Very comfortably.
Long term goals
Here we are talking about the future, which is still far beyond the horizon line. For example, raising funds to pay for children’s higher education (who now attend kindergarten), retirement savings, medical expenses, travel (again, in the distant future). By the way, in this case, if you're lucky, you can call the acquisition of branded gizmos “investment”. Of course, an ordinary bag or dress is quite difficult and after 30 years to sell at exorbitant prices (unless, of course, the English queen was noticed in them). But there are a number of things (real shopaholics will understand!) That one day receive the status of "vintage", "symbol of the era",“Rarity” ... Most likely, in this case you should get lucky, and if you suddenly find a Chanel dress in perfect condition in your grandmother's chest, or your strange collection suddenly turns out to be invaluable, like in the film “Forty-year-old virgin,” then the long-term savings are definitely off!
But there are more mundane ways of doing long-term savings. For example, you can consider the possibility of opening a personal pension program in one of the NPF. Immediately clarify that, although this option includes the word "pension", in fact, the accumulated capital can be used for anything.
Since the accumulation is long-term (decades ahead), contributions, for example, monthly, quarterly (as it is more convenient for someone), can be quite small - 500 rubles each. Contributions can be transferred by auto payment, that is, slowly, but surely the amount will be accumulated. By the way, when analyzing the current situation in the banking market, NPFs are considered more stable, and the yield from investment for a number of NPFs is now higher than that of banks. Moreover, banks now prefer short-term placements - the interest rate for long-term deposits is noticeably lower.However, there is a minus that should not be forgotten: non-state pensions (NGOs), unlike bank deposits, do not have the protection of the Deposit Insurance Association. But they say that the forces of the DIA will soon spread to NGOs. And NPFs, unlike banks, do not lose their licenses every month or two. By the way, on the websites of many APFs there is a calculator with which you can calculate, predict savings and choose the most beneficial personal pension plan for you.
Piggy banks, bank deposits, mutual funds or NGOs - you choose. One advice: when using the word “investing”, remember the necessity and desirability of treating any expenses as an opportunity to generate income.
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