When we hear the word "saving", a good mood leaves a person! How can you, at the same time, spend less and not lose a good mood from saving? First of all, you need to form the right attitude in yourself:

• Money saved - money earned!
• Why are rich people rich? - Because they are very economical!
• Buying cheaper will not save you money. Saving is not spending on things you don’t need!

Recommendation №1

Start recording your daily income and expenses. This way you will have a clear idea of ​​how much you will receive and why you will spend.

Recommendation №2

• Make your purchases based on a pre-prepared list and follow it! This protects you from unnecessary purchases;
• If you want to go to the store, go dark. Going on an empty stomach can lead to unnecessary purchases;
• Remember to take food packages with you to save money and not harm the environment;
• Try not to go to the store. Home delivery services are now very popular in many hypermarkets in Uzbekistan. Identify, list, and order the most needed groceries for the week. This will prevent unnecessary expenses, with a visit to the store you can see something and buy it, even if it is not an important item.
• Always use savings or discount cards. You can save from 5% to 20% with such cards.

Recommendation №3

• Reduce utility costs! Use energy-saving lamps, buy laundry and dishwashers.
• Turn off all electrical appliances before you leave your home.
• Turn off lights, water, gas when not in use.
• To avoid overpaying, install a utility meter.

Recommended № 4

When buying something, pay attention to quality. There is a saying, “A hard man spends twice as much money”, usually when you buy expensive but quality items, you believe that they will last a long time and do not need to be replaced often. But keep in mind that buying very expensive branded items is not recommended. Keep in mind that you can also buy good things you don’t have without spending a fortune on the brand.

Recommendation №5

"Make a purchase tomorrow!". If you see a good discounted product on your way to the store, but you don’t have this product on your list, but still believe you should get it, leave that purchase for tomorrow. This way, you will have the opportunity to think about how important this item is to you. According to statistics, when people think about shopping for a certain period of time, they often give up unnecessary purchases.

Recommendation №6

• Carefully plan your daily meals! If you have the time and opportunity, prepare the food yourself at home.
• If you make semi-finished products - you will not only save money, but also time.

Recommendation №7

Think carefully about getting a loan in the form of a loan and then decide. Once you have thoroughly analyzed your budget yourself, determine the most suitable loan offer.

• Today, credit cards are becoming increasingly popular in our country. No matter how good the offers may seem, do not rush to issue such cards, as credit cards often encourage you to buy things you don’t need.

Recommendation №8

• Always try to keep a certain portion of your salary. Make a habit of saving at least 10% of your salary per month.
• We also recommend that you save your unexpected income. For example, they could be a bonus amount, a birthday gift, or a repaid loan.
• Keep small coins, coins, and returns in your memory to make sure you have accumulated a significant amount of cash by the end of the year.

Recommendation №9

• It is true that recreation is economical. To do this, plan your trip abroad in advance, usually if you pay in advance, you will be able to buy tour packages and air tickets at low prices.
• When you go on vacation, use "all inclusive" tariffs. Because the cost of services that are not part of hotels will be expensive.

Recommendation №10

Try to buy clothes for yourself and your family members from online stores. This will save you money. The reason is that sellers set higher original prices in return for rental costs in markets and stores.