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Many women believe that finances are not for them, let her husband earn and invest. In fact, everything is just the opposite! To save, save and correctly distribute money in women is often better than men.

Women can perfectly save money, save on a rainy day and not only. Therefore, it is not surprising that making your first million will not be as difficult as it seems. Here are some tips on how to invest and not lose.

We save wisely

It makes no sense to explain how to earn more or postpone 10% of each admission to the account – this is what everyone knows, on the Internet you can find many articles with tips. Better try to invest with what you managed to save. This is a completely working strategy. But first, let’s figure out how to optimize the budget.

To do this, you will need two useful tools, and their name is mobile applications and cashback. They will help you reduce expenses, save, albeit not huge amounts, but even small steps are important in finance. For example, if you save 1000 rubles under 5% per annum every month, then in twenty years you will have 760 thousand rubles without much effort. Impressive?

So applications. I advise you to install something from this list on my smartphone (or even all):

• Food – Service from Yandex, which helps to find products with a discount in the nearest stores. It is convenient to keep a purchase list in it, and do not forget to scan checks: for some products you can get a cashback in rubles.
• Skidka Online – shares and discounts on products, building materials, electronics and household appliances, cosmetics, clothes, goods for children and much more.
• Kuponator – Service of coupons, discounts and promotional codes. Here you can find services and goods with a discount of up to 90%. For example, it is decent to save on a campaign in a restaurant with the whole family.
• Wallet – Scan all your discount cards and show the barcode at the checkout. Now you definitely will not forget the right card at home and always get your discount.
• Ozon, “I take!”And goods – Popular marketplaces. You can often find products much cheaper on them than in a supermarket, and there are also promotions, discounts and cashbacks.

By the way, about cashback. If you still have not mastered it, I really advise you to change my card to the one that gives such an opportunity. Cashback is a refund for purchases. That is, you just pay in the store for what you need, and then the bank returns a small percentage of the amount spent – just for using its card.

Here is my personal top cards with cashback:

• Tinkoff Black – 1% for purchases, up to 30% for purchases from the bank partners and 4% of the rest on the map.
• “Benefits” from Home Credit Bank – up to 22% for purchases from partners and 1% for absolutely any purchases on the card.
• Yandex.Plus (eat in Tinkoff or alpha) – gives a large cashback for all Yandex services and 4% for the balance on the map.

Before you stay on one map, study all the conditions. Each bank sometimes accrues an increased cashback for a number of categories – for example, in Tinkoff can be obtained back 10% of the order at the “Utkonos”, and “benefits” will give 8% of the purchase in OBI (relevant in the country season).

Another point to pay attention to is the cost of serving the card. Ideally, if you select a card with a low cost and a large number of cashback categories, which you regularly use. Do not limit yourself only to the list that I gave above – study the proposals of all large banks.

What to do next

It is more advisable to immediately postpone all the money saved and received using a cashback. For example, the usual set of household chemicals in the online store cost you 400 rubles cheaper than you usually spent https://bars2successhousing.com/22bet-nigeria-evaluate-2023-declare-your-bonus-up-10/ in the supermarket-this amount must be postponed immediately.

Do not think that this is only a couple of hundred and a tangible effect, it will not bring. This is mistake. Over a month of these minor ones, at first glance, saving is a decent amount that can be invested in a worthy future for you and your children.

Here are a few options for how to postpone the money:

• Open a separate account or deposit to which you will transfer even small amounts;
• Transfer to the card with interest on the balance – the main thing is not to confuse with other money (for this you will have to keep records in the plate, for example, in Excel);
• physically set aside the money in a special envelope – if you have saved cash.

Perhaps the most optimal way is to start a separate account to which you will transfer all saved amounts and pay cash through an ATM. So higher is the likelihood that you will not spend this money by chance.

We begin to invest

I must say right away that I do not recommend starting investments with amounts of less than 50,000 rubles, otherwise you will lose money on commissions to brokers and taxes. Therefore, first you need to accumulate – on the same separate account, which you, I hope, have opened.

The investment itself depends on your goal. What do you want to accumulate money? The goal should be understandable, material and measurable – in money and in time. “To the education of a child” is not a goal, but a dream, it will be difficult to accumulate on it. But “one million rubles to the 18th anniversary of the daughter” is what you need.

I have extensive work experience and a good resume from the point of view of specialists (turned to resume professionals), a good labor story – discussed it with a coach. There was a decree break, now I’m looking for a job again. The name is for an interview – and my old fears have flared up.

At old work, I was in good account, but “gray mouse”. It was as if they didn’t really notice me, the corporation was large, I did only my part of the work and never saw all the Iceberg, I did not have a global vision of the business.

As a child, I had a bad relationship with classmates, they poisoned me and called me a “nerd”. I left this in books and dreams. There was no bullying at work, no one offended me, but I still felt stress-because of the duties in general and if I did not understand something. And she always very much kept a distance with colleagues and covered her personal – she went to dinner or walk alone during. I felt torn from others. And at the same time I could not and did not want to get closer to anyone.

I’m afraid on the threshold of a new job that again this strangeness will be repeated. Help me figure out what’s wrong with me. And how to be with it?

Anna, as they say, our problems come from childhood. Not all, but many. The matter is clearly not in the previous work, where you were “in good account”. Most likely, your school life has been so traumatic for several years that

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you still have not recovered.

Big teams seem to you a priori a dangerous place. Your psyche goes into “emergency mode of operation”. You become very tense and vulnerable. Hence the desire to fence off from colleagues, keep a distance (even physical, because the school probably had a physical threat).

Alas, persecution in childhood never goes without a trace. I am very sorry that this happened to you, and it is especially a pity that you were forced to stay in this terrible situation for a long time. This simply should not happen to children.

You will now need a lot of time and a lot of communication with friendly people who respect you, so that fear retreats. You will need psychotherapy in order to regain a sense of safety and support to your inner strength. In the meantime, I recommend that you look for work taking into account your features.

Avoid companies where management is indifferent to psychological comfort and relations within the team

When looking at vacancies and talking with employers, pay attention to the size of the team and how the psychological climate is described in it. Independent work (alone) or mini-teams of 3-5 people is ideal for you. Large departments and giant corporations are not your option.

Also avoid companies where management is indifferent to psychological comfort and relations within the team. This is usually visible at once. You should be as cozy at the new workplace as much as possible.

And even in the most pleasant and small team, the first time you will be alarming because of novelty, a break in the experience. This is normal: the adaptation goes on for several months and it will end when you fully master your functionality and get to know new colleagues better. Then you can fully reveal your talents and continue career growth.