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Capire cosa ti spinge a risparmiare può aiutarti a stabilire obiettivi chiari e raggiungibili. Con questi obiettivi, è possibile rimanere in pista anche quando sembra difficile.
Per iniziare, puoi farti alcune domande che ti aiuteranno a decidere quanti soldi vuoi risparmiare. Rifletti e pensa: Cos’è importante per me? Per esempio, voglio viaggiare almeno una volta all’anno o sogno di possedere una casa tutta mia. Non c’è una risposta giusta o sbagliata: ognuno, nella vita, ha le proprie priorità.
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Fissare un obiettivo reale ti aiuta a rimanere motivato nei momenti in cui può essere difficile far quadrare i conti e ti ritroverai a fare delle rinunce.
Per iniziare a risparmiare, è importante suddividere i tuoi obiettivi in piani a breve e a lungo termine. Avere una visione d’insieme ti aiuterà a iniziare il percorso per ottenere maggiori risparmi. Man mano che raggiungi i tuoi obiettivi di risparmio a breve termine, scoprirai che è possibile risparmiare denaro senza dover per forza stringere troppo la cinghia! Vale la pena provare.
Consigli per risparmiare
Risparmiare non significa forzatamente smettere di divertirsi o godersi la vita: basta essere consapevoli di come vengono spesi i soldi! I costi fissi non sono flessibili, quindi per risparmiare è meglio concentrarsi su spese variabili. Ecco alcuni consigli per abbassarli e risparmiare un po’ di soldi in più!
- Invece di andare a pranzo fuori quando sei al lavoro, prepara i tuoi pasti prima di uscire di casa. Se l’azienda per cui lavori ti dà dei buoni pasto, usali per fare la spesa: vedrai la differenza a fine mese!
- Prima di cambiare auto, telefono o vestiti, chiediti sempre se è veramente necessario: se la risposta è no, non spendere quei soldi.
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La regola del 50/30/20
La regola del 50/30/20 è stata inventata da Elizabeth Warren – una professoressa di diritto commerciale dell’Università di Harvard – con lo scopo di mostrare agli americani come possono risparmiare anche se il loro stipendio è inferiore alla media.
Se decidi di optare per il metodo 50/30/20, potrebbe essere utile automatizzare le tue spese mensili e dividere il tuo reddito in quelle categorie automaticamente. Facendo questo in automatico, solo il 30% dello stipendio di quel mese andrà verso le spese discrezionali – il che significa che non avrai alcuna preoccupazione di spendere più di quanto hai guadagnato.
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La regola di Warren consiglia:
- Destinare il 50% del reddito alle “spese essenziali”, quelle fisse, come l’affitto e le utenze.
- Il 30% è destinato alle “spese discrezionali”, come mangiare al ristorante, andare dal parrucchiere o fare shopping.
- Il 20% è da destinare al risparmio o al pagamento dei debiti.
Crea un fondo per le emergenze
La vita ha sempre la capacità di sorprenderci, quindi vale la pena avere un fondo di emergenza per quando le cose si complicano. Uno dei modi migliori per risparmiare è prepararsi in anticipo per quei mesi in cui potresti non essere in grado di rispettare il tuo piano iniziale. In questo modo, non perderai la motivazione e avrai il pieno controllo dei tuoi obiettivi. Per farlo, per esempio, puoi ritagliare una piccola parte dei costi per le spese discrezionali e metterli da parte, al solo scopo di avere un gruzzoletto che potrebbe farti comodo in caso di emergenza.
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