Every person in one way or another thinks about their own housing if they don’t have one. As they say, my home is my castle. Own housing instills confidence in a person. And it is right. In any weather, you have somewhere to return - where they are waiting for you. However, not everyone can afford housing. Many people have been saving for it for years. There are people who pay their mortgage - overpaying 2 times. You need to start saving for an apartment as early as possible.
The question is: how much to save? An apartment savings calculator can help with this. It allows you to calculate how much you need to save from your salary in order to save up for housing in a few years? Perhaps someone thinks that they can simply save - without making a contribution. In this case, set the deposit rate close to zero (0.01%) In this case, you will receive the approximate amount of contributions without taking into account the capitalization of interest.
The calculation method is written in the article -.
Calculation features
- If you do not have an initial amount, enter the value 0
- The calculation is made excluding taxation and holidays. Those. with a real deposit in the bank, the income may be less
- The calculation is based on a deposit with interest capitalization
How to save for an apartment with a salary of 30,000?
A salary of 30 thousand rubles is quite small. Let’s say you save half your salary each time
10 thousand will be spent on groceries, 5 thousand on utilities and entertainment, if you have a car, then on it (gasoline, etc.) If you calculate on a calculator with an apartment price of 1.5 million, then every month you need to put aside 7322.60 in the bank for a deposit with an interest rate 10%. As you can see, you will still have approximately 7,500 left for expenses, i.e. You can easily accumulate 1.5 million in 10 years. However, by saving 15 thousand over 6 years you will accumulate 1.5 million rubles from scratch. However, there are a number of nuances:
- The apartment may become more expensive
- Money may depreciate and we do not take inflation into account
- You may get sick, you will have a child - the risks will increase
The solution may be to take out a mortgage - then, although you overpay, you get ownership of the home.
The only question is whether they will give you a loan with a salary of 30 to 1.5 million rubles.
To do this you need to use a calculator. It will show you how much the bank will give you.
- Invest in yourself. Your knowledge and skills will bring you more income and make you more competitive in the labor market.
- Forget about risky instruments - Forex, mutual funds, trust management. If you are not a professional at this, you will lose money and that's it. 90% of people who invest in this end up losing money. The same applies to trading stocks and bonds.
- Deposit is the best means of savings. If you don't believe me. I have a deposit for 5 years, at 20% per annum with capitalization. It is better to invest in times of crisis when the stakes are high
- Keep track of your finances. Install water and electricity meters. Buy a travel ticket. Take advantage of discounts in stores
- Try not to take loans and not be creditors. Don't be a guarantor for loans
- Make it your own. What do you like most - start your project, which you will do and which will generate profit. Website, program, your own business selling Socks. Start earning a small income. But remember, to get income you need to invest money and time.
- Forget credit cards. Live within your means! Do not apply for any expensive cards, for example
Hello, dear readers of the site magazine! Today we will tell you how to earn money for an apartment and save money to buy your own home, even for a person with a small salary.
Have your own home (house or apartment) – the cherished dream of most people. However, not many people are willing to start implementing it. Fear is caused by high prices for square meters, the level of wages, especially in the regions, as well as legal difficulties in preparing documents.
As one wise saying goes, every road begins with the first step. You can implement your plans only by setting a clear goal and having a coherent scheme for achieving it.
This publication is for those who, having a small but stable income, or simply a desire, or a vital necessity, have decided to purchase their own apartment, despite numerous assurances that this is difficult, impracticable and threatens with huge bank loans.
From this article you will learn:
- How to correctly formulate a goal;
- What real schemes for earning and saving exist to quickly acquire a large sum for the purchase of a home;
- How to save on purchasing an apartment from 150,000 to 200,000 rubles. and more.
In addition, you will receive practical advice on earning and saving big money + ways to increase it. This will help create capital for the purchase of their own family nest for young families, and for those who have rented an apartment almost all their lives, it will give them a chance to get their own property without huge loans, which, however, are difficult to obtain with an average salary.
Read about how to buy your apartment quickly and save money right now!
Practical advice + working ways to earn and save money for an apartment
1. What you need to know to earn and save for an apartment in 1 year - calculations and possibilities 📝
In order to determine a way to earn money or save money for housing, it is necessary determine its parameters . At first glance, this point seems unimportant, however, as practice shows, most of the time and money are spent searching for what is needed.
To carry out a transaction it is necessary to involve realtors, who, with significant professional experience, help to understand the client’s needs and determine the right option.
Eg, it is important for a person to have a certain school or kindergarten nearby, a sports section for children, or he spends several hours a day traveling to his place of work, but this option can be simplified by buying an apartment near a certain metro line or in the same area .
When real estate agencies are involved in the process of choosing housing, it is natural that the cost of an apartment increases by an average of 10 – 15 %. With the price of a one-room apartment in the capital being approximately 4–5 million rubles, the cost of additional services will amount to 400–600 thousand rubles.
These funds can be spent on good repairs or the purchase of quality furniture, wouldn’t you agree? Therefore, we analyze what is a priority for us and our family, and We compile the exact characteristics of the property planned for purchase:
- Apartment characteristics: one, two or three rooms. The location of the bedrooms - for example, if you have two children, and you are going to buy a two-room apartment, then the option with a combined layout with a passage to the bedroom through the hall is not acceptable. A certain area of the apartment and premises is taken into account. Perhaps your wife spends a lot of time in the kitchen, and there are always a lot of guests in the house, then it is better to ensure that the apartment has a spacious kitchen, also combined with a living room. If there is a single person living there who is constantly traveling or eats in restaurants, you should not pay attention to this fact.
- Where should housing be located: in the city or outside it. Those who are accustomed to motor transport and are tired of the bustle of the city, who love nature, can count on buying an apartment (townhouse) in a cottage village or an individual development project. The cost may be lower or remain the same. It is important what exactly your soul desires, and that the upcoming purchase brings only joy and is associated with positive emotions. The psychological attitude plays a special role.
- Purchase terms: making a percentage payment, installments for a certain period, payment with maternity capital, (mortgage).
- Volume of funds, which have been accumulated for the purchase of an apartment, and the allowable monthly expenses for the purchase of real estate.
Once you decide on all these criteria, the range of objects with specific characteristics, price levels and payment terms will become much smaller. From them, you can choose exactly the option that completely suits all the criteria.
Based on these parameters, we determine financial possibilities. Eg, a one-room apartment in the region will cost about 2 million rubles. You have an amount of 500 thousand rubles available. To purchase you need another 1.5 million rubles.
When calculating for a year it turns out: 1,500,000 / 12 months = 125,000 rub.
That is, during the year you need to save monthly for the purchase. By 125 000 rub. If such income is not expected at the existing place of employment, then it is necessary to find a way. There are several proven ideas on this matter.
Real ideas and ways to make money to buy an apartment
2. How to earn money for an apartment 💰 - 5 proven ways
If there is an urgent need to purchase your own apartment, and your income remains at an average level, do not rush to get into "debt hole on 25 -30 years", signing a mortgage agreement.
Psychologists argue that loan obligations are akin to serfdom in their emotional content. A person falls into slavery, driven by the desire to quickly receive material benefits. He lives on the “patrimony”, but redeems it with daily hard work.
When purchasing something with a loan, people sell their future: all their thoughts are directed towards the need to deposit a certain amount of money by a certain date.
Think how many sleepless nights you will spend thinking about the possibility of another crisis, an unexpected rise in currency prices and, accordingly, the same rapid increase in prices in stores. What about the fear of being fired, getting laid off, or losing the physical ability to work at the same strength? Isn’t it easier to devote yourself to assessing your needs and options to solve the housing problem? one evening without resorting to the help of a bank?
Advertising convinces us that taking out a mortgage is profitable because of the processes inflation . So, using examples, they explain to us that in 10-15 years the cost of housing will increase, money will depreciate, so that paying for an apartment will be mere pennies. It's probably no more than thoughtful marketing move for financial enslavement. We talked about the conditions in more detail in the last issue.
Let's analyze what is happening in reality using the latest examples 10 years. Average real estate prices in Russia remains at the same level or has decreased.
The reasons for this are:
- low purchasing power;
- increased competition in the construction industry;
- increase in consumer prices.
As a result middle social class can no longer afford housing even using credit products.
Let's take, for example, the state of the housing market in the Irkutsk region. As of 2000, the cost of a one-room apartment in a new building with an area of 45-60 square meters. m. was about 2,500,000 rubles. Today developers offer the same apartments for 1 500 000 rub., offering discounts in 150,000 - 200,000 rubles. for the "Bring a Friend" promotion.
At the same time, salaries in Russia remain approximately the same as 7-8 years ago. Income of 15,000 - 20,000 rubles. monthly is considered normal. Only earnings in Moscow have a high bar. Even in St. Petersburg the salary is 30,000 rubles. for a specialist with higher education – this is the standard .
Result: Having received a mortgage, you may have to go through 10 years to also pay off a salary of 20-30 thousand rubles. monthly, despite the fact that the rise in prices of products and utilities occurs with enviable frequency. Moreover, inflation rate officially remains within normal limits.
Considering the massive layoffs due to economic crises that occur regularly every 2-3 years, you can imagine your life for the next two to three decades ahead.
What to do and how to change this situation?
- Firstly, you need to understand that buying an apartment in Moscow, St. Petersburg or another large city in Russia is just like that won't happen . This will require some effort.
- Secondly, you will have to leave your “comfort zone” for a while. Everyone has their own: accommodation in Khrushchev 20 sq. m area, monthly rent payment of 10-15 thousand rubles, living together with parents, etc.
- Third, you need to come up with new ways to earn money that will allow you to quickly save and raise your material level.
The methods described below will help you earn money for an apartment in a year or two.
Method 1. Creating passive income on the Internet
Until recently, this method was a utopia and remains so in the minds of most Russians. But the goal is not to adapt to all-Russian stereotypes, but to create your own working online business model.
Western analysts recommend that if you are not satisfied with your income level, you should look around and think about what else you could do. Maybe that even hobby will bring more income than the main salary in the specialty. The Internet provides unlimited opportunities for development and earnings in this regard. Read about it in a separate article.
Eg, take a closer look at copywriting exchanges if you have writing talent or the ability to organize a team of writers. You can do this work in your free time or on weekends, saving up to buy a home.
Method No. 1.
Bank deposits Bank deposits are the most popular and simple way
increasing savings. Today you can make investments very quickly and even without contacting the bank, if you are a client of this bank. For example , you have a salary card. In mode online or in a mobile bank, funds are credited to a special account with an interest rate within a few minutes. There is no need to visit specialists at a branch of a credit institution. The accrued interest is from 0.01 before 18 %
depending on the amount deposited and the period of storage in the bank. Exist cumulative, or replenished deposits , the amount of funds on which can be increased, or non-replenishable - with an increased interest rate, but penalties for early withdrawal. If the money will be in accounts for 1-3 years or more in order to save for housing, then it is better to choose last option
, income from such programs is much more profitable. You can invest funds as in Russian , so foreign currency
. The interest rate on foreign banknotes is lower, but investments are protected from exchange rate fluctuations. It is especially important to take this into account when purchasing property abroad.
Method No. 2. 8 -10 Investment in a non-state pension fund (NPF)
The scheme for making a profit is approximately the same as when opening a deposit. Per year from funds you can get
% of income. It is characterized by stability and reliability. Has a higher rate - 30 -60 % annually, which gives advantage compared to banking products.
Method No. 4.
Forex exchange Good results can be achieved by accumulating funds for PAMM accounts . You can earn money monthly with this scheme from 4 to 5%
from the amount of savings. However, this method has high risks. Large earnings can result in a complete loss of savings.
In one of the articles in our magazine you can familiarize yourself with a novice trader.
Method No. 5. Renting your own property If there are plans to expand the housing area, For example, from a 2 to 3 room apartment due to the birth of a child, then, as an option, you can temporarily move to your parents or rent an economy option and your own apartment
to rent
at a good price. Method number 6. Rent out your car
If you own a car, but you rarely use it, then you can rent it out to a taxi service.
. Income of 10,000 - 15,000 rubles. monthly would be helpful.
- If you have funds in the region of 500,000 rubles. and higher, it is recommended to use
- several ways
Eg:
300,000 rub. you can leave it on a bank deposit, receiving 330,000 rubles at the end of the year. 200,000 rub. distributed between mutual funds in half at 15% and 20%.
In total, at the end of the year, the accounts will have an amount of 115,000 and 120,000 rubles. respectively.
So over the course of a year, savings will increase
from 500,000 rub. up to 565,000 rub. Is it possible for an ordinary family to save money for a coveted apartment with a small salary and how to do it - tips and recommendations 4. How to save money for an apartment with a salary of 20,000 - 30,000 rubles per month 💡
To decide on a scheme for accumulating funds at the average salary in Russia, you need to decide
where the desired housing should be located:
in Moscow/St. Petersburg (SPb) or in the region. The two cases will be very different due to the difference in pricing policies.
For example, let’s take a one-room apartment with an average area of 40-50 sq.m. 1) Housing in the region A one-room apartment in the region will cost an average of 2.1 million rubles. The salary is 30,000 rubles per month, but it is impossible to leave all of it for savings, since there are expenses for renting real estate, and there are expenses for food and a car.
Since your own transport is quite expensive, it is better to have it first
How much will you have to save to buy an apartment: 2,100,000 /7 = 300 months, that is, in total 25 years.
If you live as a family and both work, then the prospect is brighter. This one will take about 70 months, that is 6 years. However, in practice, one circumstance arises: when a couple is formed, a one-room apartment is not enough for it.
2) Apartment in Moscow
In the capital, live on a salary of 20,000 - 30,000 rubles. almost impossible, what can we say about accumulating funds for your own housing, especially with Moscow prices.
On average, statistical income from employment is 70 000 rub. You can earn good money in the capital, the main thing is to have desire and assertiveness.
If you have good education and skills, you should think about changing your place of employment to a more profitable one. It will take time get out of your comfort zone, but the result will be worth it.
Because saving up for an apartment when you earn 20 - 30 thousand rubles. possible only for a few dozens years, then it makes no sense to provide a calculation.
Is it possible to get a mortgage with this income?
Let's turn to the calculator of Sberbank of Russia. We enter the cost of housing at 5 million rubles. with an income of 30,000 rubles. The system indicates that with such earnings you can only get 2 million rubles. loan, provided that an initial payment of 1 million rubles will be provided. The payment period will be 15 years, and the overpayment will be equal to RUB 2,168,000.
Summarize. Having a salary of 20,000 - 30,000 rubles. buy an apartment in Moscow, even with a mortgage it’s impossible.
Alternatively, you might consider buying an apartment in the Moscow region. Now many residential complexes with express transport links to the capital are being built there. Or consider moving to a region with low apartment prices.
By the way, you can buy an apartment at a relatively low price in a new building at the excavation stage. But here it is important to assess all the risks that it carries.
You can also try to change jobs or look for offers in Moscow with a higher salary.
How to earn money for an apartment in 3 years from scratch in a large metropolis (Moscow, St. Petersburg)
5. How to earn money for an apartment in Moscow in 3 years - a clear example with calculations 📊
As an example, a savings scheme for real estate in the capital will be given for a family renting an apartment for 30,000 rubles per month.
1st year
Let's assume that the family's monthly income is 110,000 rubles, i.e. about 1,320,000 annually. Of this, 360,000 is spent on renting an apartment, for a total of 960,000 rubles. in year.
The apartment the family wants to buy costs 7 500 000 rub. Taking into account a possible increase in price, repair and decoration costs - 9,000,000 rubles.
After analyzing expenses, it turned out that it is possible to save 720,000 rubles per year. It was also decided to move in with my parents for 2 years, saving 360,000 rubles per year. Total for the first year it was possible to postpone RUB 1,080,000
2nd year
The family now has additional income:
- My wife started blogging and took up copywriting ( writing articles). In total, she manages to earn extra money 15 000 rub.
- My husband mastered programming and began to earn 15 000 rub. monthly through freelancing.
Thus, income increased to 140,000 rubles, and in annual equivalent - 1,680,000 rubles. Of these will go towards savings RUB 1,320,000
It was decided to divide the money saved for the first year in the amount of 1,080,000 into parts and invest them:
- 500,000 rub. put it at 12% in a reliable bank. Over the course of a year, they gained interest and it turned out 560 000 rub.
- The amount is 300,000 rubles. was invested in a mutual fund with a 15% interest rate. At the end of the year it turned out 345 000 rub.
- The balance is 280,000 rubles. was transferred to another mutual fund at 23% per year. The return was received 345 000 rub.
The total amount due to investments is 1,080,000 rubles. managed to increase up to RUB 1,250,000
Earned funds for the second year are 1,320,000 rubles. added to those earned and accumulated will ultimately give RUB 2,570,000 This money will be enough to buy housing in the region.
3rd year
For example, at work they gave me a raise of 5,000 rubles. monthly, and the wife’s earnings from copywriting increased by the same amount. The total monthly income was 150,000 rubles. You move from your parents to a rented apartment again at the same price as before - 30,000 rubles. per month.
Since there are now expenses in the amount of 600,000 rubles per year. Savings will amount to only RUB 1,200,000
Savings are now distributed as follows:
- 1 million rub. at 10% per annum to the bank, which will turn into 1 100 000 rub.
- 400,000 rub. are invested in mutual funds at 15%, and in the end it turns out 460 000 rub.
- 600,000 rub. will remain for storage in the third mutual fund with 10% income. As a result, you will be able to pick up 660 000 rub.
- Another 570,000 rubles. will be transferred to management at a 15% rate per year to Forex traders. The total amount of funds will increase to 656 000 rub.
So, based on the results of the third year, the capital will increase to 2 876 000 rub. + capital in the amount 1 200 000 rub. for the third year of accumulation. Now the total amount RUB 4,076,000 enough to buy an apartment in a remote area of Moscow or for good 2- or even 3-room housing in the region.
Table of savings for an apartment in Moscow for 3 years:
| 1 th year | 2 th year | 3 th year |
| RUB 1,320,000 | RUB 2,570,000 | RUB 4,076,000 |
To achieve a result of 9 million rubles, you need to follow the same scheme. The total time will be approximately 6,5 years before purchasing your own real estate in the capital.
How to save a large sum of money when buying an apartment - advice from leading lawyers
6. How to save up to 150,000 rubles on buying an apartment 📎
For support of a real estate transaction, metropolitan agencies charge a fee of about 150 000 before 250 000 rub. from the object, that is approximately 1,5-2% from its cost.
Leading lawyers advise distinguishing between concepts real estate services And legal support. The first ones mainly come down to selecting offers or finding buyers. This procedure is carried out as standard– through bulletin boards.
Note! A small number of professional realtors have their own base, and it is unstable due to changes in consumer demand.
There is an opinion that agencies can select exclusive offers from their own database, but in practice they are limited, at best, to one or two apartments, information about which is not posted in open sources. It is not a fact that these particular options will suit the specific requirements of a particular buyer in terms of the characteristics of the area, area, distance from the metro, cost, etc.
The agency's assessment is carried out on the basis of data available on the market. In the best case, the check-out of those living in the purchased housing is monitored and their deregistration is carried out.
If children lived in the apartment, permission is obtained from the guardianship and trusteeship authorities to remove the registration from the place of residence with the obligatory settlement in other square meters with conditions that are not inferior to the previous ones or predominantly better.
If these requirements are not met, or there are debts for paying utilities, tax contributions, the best thing a realtor can advise is take a look at other offers, less problems in terms of design and possible consequences.
Purchasing an apartment without concluding guardianship, or if the owners have children who are not registered at the place of residence of their parents, the transaction may litigate due to non-compliance with the legal procedure for its registration and infringement of the rights of minors.
Legal support is distinguished by the completeness of the analysis not only of information available on hand or received from Rosreestr and house management authorities, but also in predicting the legal consequences that may be caused by the signing of a purchase and sale agreement. By the way, we already wrote about this in one of our publications.
Lawyers specializing in real estate disputes can foresee the conditions for the occurrence of any negative consequences in the future.
The work of realtors for the most part comes down to presenting the objects available on the market to the buyer and describing their characteristics. Anyone can do this on their own , especially since all information is freely available, and viewing of apartments and their selection in most cases is carried out only in the presence of the buyer. Search technologies are automated and do not change over time.
There is a category of realtors who have the skills to check legal data on housing and have specialized legal education. But there are only a few of them , and the cost of their services is often overpriced. They are trusted not only to find interesting offers, but also to provide legal support for purchases and sales.
The role of realtors is to reserve housing by concluding an advance payment agreement. In practice, such agreements often contain many Not only legal, but also grammatical errors . Probably many of them are printed from the Internet without even making the appropriate changes.
The task of a lawyer is to protect the interests of the client, while realtors strive to obtain quick material benefits. This is supported by the fact that the advance agreement is concluded at the stage of inspection of the apartment before checking the legal purity of documents for housing.
The deposited funds are returned to the buyer only if there is fault on the part of the real estate agency. If the transaction cannot be completed for objective reasons, For example , presence of arrest, pledge of housing as collateral for loan obligations, etc., the realtor is not responsible for this . Everything that he must do under such an agreement is considered fulfilled.
Thus, by overpaying for real estate services, the buyer does not receive a guarantee of the legal purity of the transaction. There is no proper level of security and predictability of performing such a legal action.
The assistance of a lawyer costs approximately 2 -2,5 times cheaper than the cost of real estate services, while the level of buyer protection much better. Much also depends on the length of service and professional skills of the lawyer.
7. Conclusion + video on the topic 🎥
This material presented options for quickly accumulating funds to purchase housing in Moscow or St. Petersburg or the regions. We hope that this information will help you acquire treasured square meters without mortgage or credit slavery. And remember proper financial planning , is the basis for a prosperous future in any area of relationships.
At the end of our article, we advise you to watch the educational video “How to save for an apartment in 2 years with a regular salary” , in which an expert shares his experience on how you can quickly save up for an apartment. You will learn about 15 valuable things that help make your cherished dream come true:
Dear readers of the RichPro.ru magazine, if you have thoughts on the topic of publication or experience in earning money and saving for an apartment, leave your comments and reviews on the article. Thanks in advance!
Owning comfortable and spacious housing is a real dream for millions of Russian residents. Many of us, since perestroika (for more than twenty years), have been living in simply monstrous conditions - there are often cases when a family of 4 or more people lives in a one-room apartment, or when people wander around rented apartments until their death, not being able to buy their own housing. The most prohibitive housing prices are in the capital. That is why the question - how to save up for an apartment in Moscow (or any other city) - is relevant for a huge number of residents of our country.
30 square meters in one of the cells is the dream of millions!
The current state of the Russian real estate market
The Russian Federation has long been confidently among the top ten countries with the highest prices for residential real estate. For example, according to the results of a 2010 study of the global real estate market by Evans Property Services, Russia ranked fifth out of forty countries analyzed in terms of cost per square meter relative to wages in the region. The average Muscovite needed to save for an apartment at constant prices and wages for 26 years, and the average Russian - 21 years (if you don’t eat, don’t drink and live on the street).
But time passes, and prices change, and salaries also do not remain unchanged. Recently a magazine IQR wrote about in 2015. If we take current prices and salaries, then one person needs to save their entire salary for an apartment for about 11 years in Moscow and 6 years in the regions (since prices and salaries are different everywhere, there may be a slight deviation from this figure). There seems to be progress. Let's move on to absolute numbers.
Beautiful sunset If you open advertisements for the sale of real estate in Moscow, you will not be able to find amounts containing less than six zeros. For clarity, let’s look at the approximate minimum housing prices.
Moscow. To become the owner of a small one-room apartment on the outskirts, you will have to pay at least 4,500,000 rubles. In New Moscow you can find something cheaper, but in terms of infrastructure it’s not Moscow at all. At the same time, an apartment at that price will definitely have to undergo renovations, and major repairs at that - apartments in residential condition will cost you much more. If you want to buy a one-room apartment closer to the center (depending on the area), count on at least 6,000,000 rubles.
Saint Petersburg . Housing here, compared to the capital, is much cheaper - if you wish, you can buy a small one-room apartment far from the center for about 1,500,000 rubles.
In other cities of the country, the cost of housing varies, somewhere - half a million rubles for a one-room apartment, and somewhere - two and a half. On average, the minimum level fluctuates around 900,000 rubles.
Level of Russian salaries and apartment prices
With a salary like this, it's time to beg But the level of our salaries for the most part seems even ridiculous if you compare it with the cost of real estate. A young man in Moscow working in a more or less decent position can earn on average about 50,000 rubles. In general, for the capital of Russia, calculating the average salary is not an easy task. Two people with the same education and working in the same positions can easily receive amounts with a difference of tens of thousands of rubles. On the street you can easily meet both a Muscovite with an income of 30,000 rubles, and a resident with an income of half a million (or more).
In other cities the situation is, naturally, worse. For example, in St. Petersburg, at the initial stage of your career, you should hardly expect to earn more than 35,000 rubles (unless you are a unique specialist in a certain field), and it is not a fact that even after a few years you will overcome this level. In regional capitals, the average salary drops even lower - a young man can count on approximately 25,000 rubles.
For Moscow: 100,000 (total monthly family income) – 50,000 (living expenses) = 50,000 rubles. This is how much you can save every month. In a year, in this situation, you will get 600,000 rubles. In total, you will have to save up to buy the worst one-room apartment on the secondary market without repair: 4,500,000 / 600,000 = 7.5 years. Please note that during this period you will most likely have to forget about buying your own car, having a good holiday abroad, or adding to your family.
For regional cities the situation is approximately the same: 40,000 (approximate family income) – 30,000 (living expenses) = 10,000 rubles in the balance. Per year – 120,000 rubles. We divide 900,000 by 240,000 and get the same 7.5 years.
However, these are only approximate calculations, in which the family has a stable and good income and spends money only on the essentials. Naturally, this period actually increases significantly - many people save for housing for 10 or even 20 years. In order to significantly reduce this period, let's consider several ways that can positively affect your financial situation and help you save up for an apartment faster. The same tips will be relevant for other cases - for example, if you are interested, or for starting your own business.
Beautiful five-story building How to save for an apartment - let's figure it out in order
Calculation of the amount required to purchase an apartment
View of the station in Moscow First of all, you should at least approximately decide on the amount that you need to collect for the apartment.
- Decide what kind of apartment and in what area you want to buy. At the same time, keep in mind that primary housing (in a house currently under construction) will cost you much less, but purchasing it has a certain risk. You will not be able to immediately move into the purchased apartment - so this option is suitable for those who have a place to live while waiting - a room in an apartment with their parents, for example.
- Carefully review the currently existing offers for the sale of suitable options, writing out prices. In addition, try to find prices online for similar properties over the past few years. At the same time, also take into account that during the time that you will collect money for the purchase, this amount may increase, so add at least 10% to today's cost.
- Keep in mind that in addition to purchasing an apartment, it will need to be registered. Notary services (usually a fixed amount, which varies in different offices), payment of state fees, payment for real estate agency services - in total, add about another 3-5% to the total amount.
- Having bought an apartment, most likely you will want to renovate it to your taste and furnish it with your own household appliances and furniture. The amounts for such expenses may be different, depending on your requests and needs, so also calculate them at least approximately.
Once you are done with the calculations, you will receive an approximate amount (in today's prices) that you will need to get your own apartment, ready to move in. Don't be alarmed that it may turn out to be significantly higher than what you expected - below we will look at ways that will allow you to save more.
Saving money to buy a home
The view from the window of a future apartment is the main motivator If you are planning to buy an apartment and do not intend to wait more than ten years, be prepared for the fact that you will have to tighten your belts, and not for a week or a month, but most likely for several years. However, your efforts will not be in vain - if you complete the following points after the deadline, you will become the happy owner of your own apartment.
- Get yourself a healthy habit y – keep daily records of expenses and income. Calculate the results for a week, a month. This way, you can have information about your exact financial status at any time and also analyze how you can reduce expenses. To keep such records, you can use either a regular paper notepad or an application for your computer or smartphone.
- You can quit smoking and alcohol- this, by the way, is useful, and spending on “bad” habits is a very serious part of the expenses. For example, you smoke one pack of cigarettes a day, your wife another half a pack. Let’s take the average cost of high-quality cigarettes – 50 rubles per pack. In total, every day you will cause serious harm to your health, while paying for it 75 rubles per day, 2,250 per month, 27,000 rubles (!) per year. Add to this the monthly cost of alcohol - for example, 2 times a week (Friday and Saturday) 2 liters of beer, costing 40 rubles each, will cost you 640 rubles per month, 7680 rubles per year. In total, by giving up bad habits, you can save almost 35,000 rubles annually.
- In addition to bad habits, you can also reduce the number of trips to entertainment venues. Clubs, bars, restaurants - all this takes up huge amounts of money. For example, if you go to a nightclub a couple of times a month, a couple more to a restaurant, and spend 1,000 rubles there (and usually this figure is much higher) - the result is 4,000 monthly or 48,000 per year. Of course, if it’s hard for you without such trips, you shouldn’t completely deny yourself the pleasure, but you need to at least reduce their cost. Alternatively, just take a certain amount with you so you don't overspend.
- Grocery shopping actually cost us much more than they actually could. When you go to a supermarket to buy food, the first thing you go to is the non-essential sections. This could be dishes, toys, magazines and books, small items for design and interior design, and so on, and only then are the products you really need placed. This is done deliberately so that the buyer succumbs to fleeting temptations and makes unplanned purchases. To avoid such expenses, plan your shopping list in detail and strictly follow it, and also take a limited amount of money with you. The amounts saved may vary, but you can certainly save at least a thousand rubles a month (or 12,000 a year).
- Buy food products at wholesale stores- their cost here is lower than in stores and on the market, and significantly. A kilogram of fruit, which will cost you 100 rubles at retail, here will cost about 75-80, for example. Here you can purchase long-lasting products - canned food, some types of fruits and vegetables, sugar, coffee and tea, cereals, pasta, and so on. The amount of money saved depends on your needs, but for approximate calculations we’ll take 1,000 rubles per month, or 12,000 per year as a minimum. Ours will help you.
- If you are currently renting an apartment, and chose not the cheapest option - think about whether it would be convenient for you to move to a less expensive home, or even to live with your parents. For example, if you live in Moscow, then you will spend at least 30,000 rubles to rent a one-room apartment. By moving in with your parents for a year, you can save 360,000 rubles.
- Analyze the rest of your monthly expenses- perhaps they can be shortened too. For example, you visit an expensive gym with beautiful machines and smiling trainers. However, next to your house there is an inconspicuous basement where sporty-looking men gather in the evenings, and the cost of monthly classes there is half as much. As in the previous paragraphs, savings depend on your expenses.
If you approach planning your own finances and saving money wisely, you can save significant amounts a year and save money for your apartment much faster. For example, let’s calculate how much money we will be able to save if we adhere to all of the above points:
- refusal of alcohol and cigarettes – 35,000 rubles per year;
- entertainment – 48,000 rubles per year;
- savings on purchases in supermarkets – 12,000 per year;
- savings on purchases at wholesale stores - 12,000 per year;
- savings on other expense items – for example, let’s take another 12,000 per year.
In total, we get almost 120,000 rubles in savings per year, and this is without taking into account additional savings if you rent a house and decide to move to a cheaper apartment - you must agree, a very, very considerable amount.
Attention! The above calculations are indicative, based on the average and approximate amounts that an average two-person family spends. In your case, this figure may be radically different - for example, if you don’t smoke anyway, then, naturally, you no longer have an additional expense item.
Ways to increase income for buying an apartment
Perhaps a site is already being prepared somewhere for your future apartment in a new building Saving money alone won't get you far - and a more important factor that will allow you to bring your purchase closer is increasing your income. Even those who already spend all their time and energy on work should not despair - with the right approach, you will need very little time to increase your own profit. Let's consider the most profitable and current options.
- Try to figure out how you can earn extra income using the knowledge you have. You can take students (teachers are people who know foreign languages or programming languages), carry out orders in their free time (working professions), provide consultations (lawyers, doctors, attorneys).
- Choose and study an additional profession. This could be a foreign language, programming, writing texts to order. Firstly, it won’t take up much of your time, and secondly, you can study right at work, if you have a couple of free hours and a computer (tablet, smartphone). In the future, you will be able to receive a good income - a considerable number of people have now made such types of income their main source of profit.
- Improve your professional skills and try to climb the career ladder. After all, the higher the position held, the higher the salary, naturally.
- Remember what you were interested in before and what you were good at. Perhaps you are a talented artist - then you can work as a designer, creating logos, advertising signs, doing tattoos or airbrushing. Or you get along well with people, are sociable and open - then you can try yourself as a wedding toastmaster. Or maybe you’re an excellent photographer, but your favorite DSLR is gathering dust on a shelf at home - custom photographs also bring in a good income.
Ways to increase capital and other tricks
The money you save can become a source of passive income in itself. They should not lie like dead weight - because this way their value will only decrease as a result of inflation. And the right investment of funds will allow you not only to save up for an apartment, but also to regularly receive a stable and high income, which will allow you not to work for the rest of your life.
- This is not the first year deposits of funds in bank deposits are one of the most stable and common options for increasing capital. Among the numerous offers of all existing banks for 2015, on average you can receive about 15% of the invested funds per year (in Russian rubles). This figure may vary depending on the conditions and your relationship with the bank. For example, you can get bank deposits at maximum interest rates if you are already a long-time and trusted client of a company with a positive reputation. An excellent option for those who have an official and stable income. Now there are conditions that allow you to increase the invested amount monthly, thereby further increasing the result.
- Mortgage. In essence, this is the same loan, but issued for a long term, at more favorable interest rates and with a high limit. Suitable, again, only for those who have official employment and a stable income. Moreover, the answer to the question - is it profitable to take out a mortgage - in the overwhelming majority of cases is negative. Considerable interest will force you to overpay, often two or even more times. Moreover, if you lose, even briefly, your source of income, serious problems may arise, including the bank repossessing the purchased home. If you are seriously considering this option, read.
- Bank loan- far from the most profitable option. Firstly, you are unlikely to be given such a large amount that will be enough to buy a home, so it is only relevant if you lack a certain amount of money. Considerable interest, a significant overpayment in the end, the need for official employment - all this makes even a loan from the “people's” Sberbank not the most profitable option.
- Investment in non-state pension fund(non-state pension fund) in terms of profitability is not much different from the usual opening of a bank deposit. The most profitable NPFs can provide you with an annual income of about 8-10%. This option is good for its stability, but if you want to save up for housing as quickly as possible, it’s unlikely to be suitable.
- Investment in mutual fund(mutual fund) is one of the most profitable ways to invest money. Having relatively high stability and reliability, it can provide you with the highest annual interest rates (compared to bank offers) - up to 30-60%.
- Investing in Forex trading. A very risky method that can give you good results (good PAMM account managers make a stable average of 4-5% per month). The disadvantage is that it is impossible to calculate how much income you will receive in the next month or in the year as a whole, and whether there will be any at all, or you will lose your hard-earned money.
- Renting your own residential property. Suitable if you already have an apartment, but would like to buy a better option. For example, you live in a two-room apartment, but are planning to have a child, and want to buy a three-room spacious home. In this case, you can rent out your property and rent a cheaper option for the desired period or move in with your parents.
- If you have your own car, however, you don’t drive it very often - you can put it to work in a taxi. Income directly depends on the prices that exist in your region, but in any case it is a considerable amount. The disadvantage of this method is that as a result you will receive back a car with significantly increased mileage (which reduces its price), or one that requires serious repairs. You can receive 10-15 thousand additional income per month, this is very significant if you need an inexpensive apartment.
- Investment in business(including Internet projects) will be of interest to those people who have an entrepreneurial spirit and significant experience in this field. However, there are also many disadvantages - firstly, you can easily go broke, and secondly, serious profits often begin to come only after a while, and if you want to increase your capital in order to save for housing in 3 years, then it is better to choose another method .
Listed above are only the most profitable, stable and effective methods of increasing capital.. In order to avoid possible problems, it is best to invest funds in several ways at once, distributing them. Eg, if you have 500,000 rubles, You can:
- Place 300,000 rubles on a bank deposit at 10% per annum. As a result, without doing absolutely anything, in a year you will receive 330,000 rubles.
- Divide the remaining 200,000 rubles equally between two mutual funds. One, for example, will bring you 15% of income, the second - 20%, in a year you will receive: 115,000 + 120,000 = 235,000 rubles.
Thus, by spending just a couple of days choosing a suitable bank and mutual funds and concluding agreements, in a year you can turn 500,000 rubles, which would have been lying around like a dead weight, into 565,000 rubles. Naturally, if the investment amount was larger, then you will receive a higher income.
By reading the information above and taking it into account, you can significantly reduce the time it will take you to purchase a home.
Calculations for example - how to save for an apartment in 3 years from scratch
How to save for an apartment As an example, we give the following calculations (for a family of two people living in Moscow in a rented apartment for 30,000 rubles). Our goal is to save up for an apartment in Moscow in 3 years.
First year
Your monthly family income is 110,000 rubles (1,320,000 per year), of which 60,000 (720,000 per year) goes to living expenses.
The apartment you want to buy costs 7,500,000 rubles. For additional expenses and a possible price increase, we will add another 1,500,000 - a total of 9,000,000 rubles.
After analyzing your own expenses, you were able to reduce them to 600,000 rubles, so you can save 720,000 rubles per year.
You moved in with your parents for 2 years (in Moscow, without changing your job or income) - this allowed you to save another 360,000 rubles each year. In total, in the first year you saved 1,080,000 rubles.
Second year
During this time, your wife started working on the Internet (writing articles or running her own blog), and from the second year she receives an additional 15,000 rubles, you learned a programming language, and have, for example, the same 15,000 rubles from freelance work . Thus, your total monthly income is now 140,000 rubles (per year - 1,680,000), of which you will save 1,320,000 rubles.
Of the 1,080,000 rubles that you were able to save in the first year, you put 500,000 rubles in the bank at 10% per annum. In total, in the second year they increased to 560,000 rubles.
Of the remaining amount, you invested 300,000 rubles in one mutual fund, which gave an annual income of 15%. Total – 345,000 rubles.
You invested the rest - 280,000 rubles - in another mutual fund, which brought you 20% per annum. As a result, you received 336,000 rubles.
In total, thanks to investment, your 1,080,000 rubles in the second year turned into 1,241,000 rubles. Adding to this the funds earned from regular work (1,320,000 rubles), you get 2,321,000 rubles - already enough for an apartment in the regions.
Third year
Let’s assume that in the second year you achieved an increase (+5,000 rubles to your salary), and your wife’s income increased, for example, by the same 5,000 rubles per month. In total, this year you receive 150,000 rubles per month. However, you moved from your parents to rented housing, which increases your expenses by 30,000 rubles.
As a result, in a year you will already receive 1,800,000 rubles, of which you spend 600,000 on accommodation. In total, you will be able to save 1,200,000 rubles for an apartment.
You invested the amount received over two years of work and investment (2,321,000 rubles).
This time, you allocated 1,000,000 rubles for a bank deposit at 10% per year, which by the end of the term will turn into 1,100,000 rubles.
Of the remaining amount (for convenience, let's round up to 1,300,000) you invested 300,000 rubles in a mutual fund, which gave an income of 15% - a total of 345,000 for the year.
You invested another 500,000 rubles in another mutual fund, which brought you another 10% income, returning you 550,000 rubles.
The rest – 500,000 rubles – you invested in several successful Forex traders. In total, the income amounted to, for example, another 15% per year. The total result was 575,000 rubles.
Let's summarize the result of investing for the third year: your capital increased to 2,570,000, in addition to this you earned another 1,200,000. In total, in the third year you collected 3,770,000 rubles - more than a third of the cost of the housing that you initially chose.
The dream has come true, the apartment is yours! For the money you receive, you can already buy a small one-room apartment on the outskirts. If you are happy with this option, congratulations! In just 3 years, you were able to save up for your own housing (even if not the best) in Moscow. By the way, if it is not important for you to buy real estate in the capital, for this amount you can already buy a spacious apartment in any regional center of Russia.
If you want to achieve a higher goal (save for an apartment in Moscow in a good area worth 9,000,000 rubles) - the essence remains the same. We will not bore the reader with further calculations - the principle is clear. Let us only remind you that the figures given above are approximate and may differ for each person.
The idea of saving money for an apartment seems useless and unrealizable to most Russians, however, as they say, nothing is impossible, and with the right attitude, even such a “crazy” project can be brought to life. Especially for the International Day of Savings, which is celebrated on October 31, the RIA Real Estate website decided to collect real stories of people who saved for housing and learn from them the details and mechanisms of this difficult event.
It’s interesting that the experts interviewed by RIA Real Estate are skeptical about the idea of saving money for an apartment and are constantly turning their attention to a mortgage loan. So, according to the asset manager of Veles Management, Yuri Timoschenko, if it makes sense for a family to start saving money, then only for the initial mortgage payment. If one of the spouses loses their job, mortgage plans are simply postponed “for later”, and the accumulated amount of funds is spent on current needs until a new job or other source of income is found. “It is obvious that the situation in the Russian economy recently has not been stable and is not conducive to long-term planning,” the expert believes.
However, the example of people who managed to save up for housing without taking out a mortgage confirms that this form of savings is quite feasible even during periods of crisis.
Subtleties of motivation
Oddly enough, the most important thing in the matter of saving money is not calculating the correct amount for monthly deductions and scrupulously maintaining home accounting, but proper motivation.
“If you woke up one morning and suddenly decided to save money for an apartment, because “the sun was shining cheerfully through the window,” then you can call it a day. This is a definite failure! You need to approach the idea of saving money for housing slowly and carefully, and the main thing is to find the correct answer to the question: why is this needed at all?” says Yegor Kuznetsov, the happy owner of a separate home, for which he and his wife still managed to save money.
Of course, each person has his own motivation, but there are things that, according to Yegor, can concentrate a person as much as possible on his goal.
“For my wife and I, this impulse came from living in our parents’ three-room apartment with a bunch of relatives - seven people, three generations. Despite the fact that our family is friendly, life according to the “sausage in a jar” principle still cannot go smoothly. Tension is growing , the thirst for my own personal space is becoming stronger. I didn’t want to get into mortgage bondage, so after much thought and consultation, my wife and I firmly decided to save,” says Egor.
But for the spouses Maxim and Olga Sorokin, the incentive for “emergency” savings was the terrible situation with rented housing. “We rented apartments for a long time, changing them about once every year and a half. And we were happy with everything, until one night a bunch of drunken men burst into our place, started a real pogrom, and threatened to beat us. It turned out that one of these rowdies was the brother of the owner of the apartment, and he had his own key. After that, we realized that we were living in someone else’s house and desperately wanted our own little fortress,” the Sorokins recall.
Thus, the incentive must be so powerful that its impulse is sufficient for the entire period of savings. As a rule, these incentives are not associated with the most pleasant situations, but they are incredibly effective.
Team game
In the situation of saving money for housing, there is one important nuance, without which the idea is doomed to failure - teamwork. In other words, two or three people need to raise funds, because then the financial burden falls evenly on the shoulders of the partners, and income and expenses can be distributed more efficiently.
But this is not only about the economic component. “Tell me honestly, how many people can independently engage in sports three or four times a week at home, and regularly, from month to month? Just a few. It’s not for nothing that pair or group exercises were invented for sports, since training in a team disciplines and psychologically spurs those who are lazy The same applies to monetary savings - one partner stimulates the other if he has given up. Therefore, this is an almost impossible undertaking for a single person,” explains Sorokin.
Time threshold
All the heroes interviewed by RIA Real Estate, who tried to save money for housing, unanimously argue that such an event should have a strict time frame and a clear indication of the amount that needs to be collected at all costs.
“Simply saving abstract money for nothing is a waste of time. You definitely need to decide what specific amount and in what time frame you are saving,” Kuznetsov insists.
At the same time, the amount must be adequate to the financial capabilities of people. Accordingly, before installing it, you should analyze your income and expenses and decide whether it makes sense to take on such a business at all?
“It is impossible to stretch out the accumulation of money for more than four or five years. This is the very maximum period for which we can limit ourselves to demands and deprive ourselves of the usual pleasures. A longer period will psychologically exhaust people. They will hate this whole undertaking and one fine day they will definitely fail , spending money on just about anything,” says economist Elena Gracheva, who has successfully saved up money for an apartment.
Starting base
In most cases, partners saving money for housing have some starting amount of money or other material base, which is also an excellent incentive.
Starting from scratch is possible for people with above-average income, as they can maintain the level and pace of savings.
Well, people with average incomes are better off relying on some kind of material foundation, moreover, one that is their property. In the best case scenario, this could be a share in an inherited apartment or a car that can be sold, or existing savings.
Basics of home accounting
From the moment the process of saving money begins, people will have to accustom themselves to doing home accounting. To do this, you can keep a special notebook or create a file on your computer. Income (salaries) will be entered there, a preliminary spending plan for the month will be made, and then absolutely all expenses will be entered, including the purchase of bread, with receipts attached.
“This is necessary in order to ultimately see where you are outside the planned budget, to what extent such expenses are justified, and whether you will have to save more next month,” explains Kuznetsov.
"I want" and "need"
All expenses made during the savings period must be marked “want” or “need”. According to Gracheva, this will help protect people from unauthorized and wasteful spending.
“If in the store your hand reaches out to some thing, ask yourself: do I really need this or just want it? Our cunning mind, of course, can find benefit even in the most worthless things, so to be on the safe side, add: can I live without this? A simple example: there is soap and shower gel, which of these is absolutely necessary, and which is an item of pleasure that you can do without? Of course, soap wins in terms of usefulness and, by the way, it costs less than gel,” notes. agency interlocutor.
Mechanisms of "abstinence"
The money put aside for housing should be inviolable. And the most important task is not to spend it ahead of time on other needs. The only exceptions are serious health problems that require expensive treatment, or some emergency situations. “The lack of a fashionable fur coat for the winter is not an emergency,” Gracheva says ironically.
“My wife and I convinced ourselves so much that money was sacrosanct that sometimes we forgot that it existed. Even during the 2008 crisis, when I lost my job, we did not touch our savings. Yes, we had to live on my wife’s salary for about a year, borrow and get by with piece work. But after, when I again found a stable job with a good income, we gradually returned to the previous savings regime,” Kuznetsov shares his experience.
However, there are several ways that, purely technically, will limit access to the stash, the agency’s interlocutor notes. Firstly, the money needs to be kept in a bank in a savings book. Under no circumstances should you make a bank card with which you can easily withdraw them. Secondly, you need to save a set amount immediately after receiving your salary, preferably on the same day. Otherwise, the temptation to spend money may take over.
Alternative pleasures
Another subtle nuance that, oddly enough, will protect savings partners from waste. “Be sure to include pleasures in the list of vital things. Of course, during the period of savings they will have to be reconsidered. Traveling abroad may perhaps replace picnics with barbecues in the fresh air, relaxation at the parent’s dacha, or just walking in the parks. Cute inexpensive purchases are also periodically needed allow themselves. They are especially pleasing if they are presented to each other as a gift,” says Sorokina.
However, the best option is to find yourself a hobby or activity that does not require serious expenses, but will excite and bring joy throughout the entire period of savings. According to Kuznetsov, sports and creativity are best suited for this, since here you can constantly set goals and focus on achieving them. “For example, set a goal to get abs in a year or learn how to hand-quilt bedspreads,” he advises.
However, with all possible methods, the key to successfully saving money for an apartment is, no matter how trite, self-discipline, willpower and a passionate desire to find your own home.
Greetings! Judging by the experience of my friends, taking out an apartment with a mortgage is terribly expensive and very psychologically unpleasant. And it is clear that it is advisable to buy your first (second, third) property without loans and with your “hard earned money”.
Last time we already discussed the issue of choosing between. Today’s article is intended to help those who nevertheless chose the first option. But how to save money for an apartment with average or low income? I will not descend into outright platitudes such as “save, save and invest”, “increase income and cut expenses”, “”. I will only suggest a couple of specific techniques and tricks that will slightly simplify and speed up this long and unpleasant process.
But first I’ll say a few “parting words.”
Before you start saving for an apartment, you must prepare yourself for... a continuous obstacle course lasting a couple of years. We all understand perfectly well that even with an average income it will not be possible to save for the purchase of a home in 1 year. And even more so if the income is small.
In the near future, you will have to reconsider your lifestyle: earn money by all means and constantly think about where to put your savings so that they don’t burn out.
It is extremely difficult to keep a tight rein on yourself for a year or two or five. And sometimes it’s almost impossible. In general, get ready for a long marathon with surprises. Agree, the prize in the form of separate housing is worth such sacrifices.
Initially, set specific deadlines for yourself.
From the experience of friends, I can say that it is extremely difficult to limit yourself in everything after four or five years of austerity. So focus on this (or better yet, a smaller) figure.
Start with starting capital
This is a very important point! “From scratch” the business will move so slowly that many will burn out without even saving up for a hallway. Therefore, either allocate an annual bonus for the start-up capital, or do some general cleaning in the house and...
And start with at least some minimum amount!
Involve others in the process
Those who live with you should participate by default. And relatives, friends, colleagues and acquaintances - at least provide moral support.
My friend in Kazakhstan told a funny story. At a retail outlet (photography, photocopier, office) he worked alone. With the boss’s permission, he brought with him a box with a beautiful picture of a country house and the inscription: “I’m saving for a house!” I placed it somewhere on the side and worked as usual. He says that clients laughed and asked a lot of questions, but he never went home with an empty box.
Why is environmental support so important? The fact is that for some time you will have to give up a bunch of unnecessary, but familiar and pleasant things. And doing this when everyone around you is living a “normal” life is extremely difficult.
You try not to smoke around a colleague who is trying to quit and has already lasted two weeks?
Turn boring counting every penny into a game or competition
This approach is easiest for young couples. And if you involve children (from seven years old and older) in the process, you’ll get a long, long game for every day! The main thing is that parents have enough creativity.
Almost any situation can be played out interestingly.
We met in the evening and boasted about how much someone had saved in a day (walked three stops, didn’t buy a pie, smoked half a pack of cigarettes instead of a whole one, etc.). We calculated the total amount and put the money in a beautiful piggy bank. Or they cast lots to see who will get the money he saved - and he can safely spend it on whatever he wants. Or choose the “winner of the day” and give him a tasty “prize”.
You can appoint a “Minister of Finance” every week. It is he who will control all expenses for seven days and scold the others for wastefulness. You can draw a house, divide it into a hundred squares and paint one at a time when the amount needed to buy a “piece” is collected.
In general, there are a lot of options! The main thing is to motivate yourself and other family members to save money every day.
Create a reserve fund in case of force majeure
Be sure to set aside money for unexpected expenses!
Otherwise, one fine day, half (if not all) of the money saved for an apartment will be spent on paying for the treatment of a family member or urgent car repairs. Moreover, funds for force majeure must be kept separately from money for an apartment!
And just forget about the “housing fund”... This amount should not be taken into account at all in your plans for the next few years.
Be sure to allocate money for recreation and entertainment
Until you buy an apartment, you are unlikely to be able to live in Italy or Austria. But you shouldn’t completely give up going to a cafe, cinema, bowling alley or theater.
You definitely need to take a break from the “economy mode” from time to time! A couple I know used a technique called “day off.” Once every two weeks, they chose a day for which they allocated a fixed amount of money (more than they usually spent).
They left home and... had an active rest. They said that during such weekends the internal “calculator” turns off - because you can finally spend the money the way you want. Within the allocated amount, of course.
Be sure to invest your savings!
Simply by putting money in the safe, you will move towards your goal at a snail's pace. Let's say, the average salary in Kyiv is now about $300, and a one-room apartment on the secondary market can be bought for $30,000. That is, a person needs to neither drink nor eat for 100 months (or more than eight years) to save up for an apartment.
And if he invests a little money in investment instruments, this period can be reduced by two or three times! Another tip: when you have a decent amount in your piggy bank, a small part of it (10%) can be carefully “rolled” into profitable instruments with high risks.
By the way, I took Kyiv as an example, because in Moscow the numbers will be absolutely fantastic.
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