Long gone are the days when citizens were provided housing free of charge just for the fact that they worked for some time at a state enterprise. Today, young families can rely only on their own strength and on the help of relatives in solving the housing problem.

Those who have no one to help have only one way out - to save up on their own for an apartment or at least a room. We will tell you how to do it faster in this article.

How do you learn to save money?

To start saving money for an apartment, you need. To do this, you will have to carefully analyze how much and for what you are spending. It will be easier to do this if you start a notebook and write down all your expenses in it for a month.

Having studied the cost items, you should immediately begin to optimize them. In fact, you can save on almost everything - food, clothing, housing and communal services.

Go to the grocery store with a shopping list and a limited amount of money, don’t just pour water and turn off the lights, buy clothes at seasonal sales, give up bad habits and you will immediately feel that, by limiting yourself a little, you can live a full life and save some salaries for the purchase of housing.

If you have set a goal to save for an apartment, set aside a certain percentage (10%, 20%, 50%, 70% ..) from any income you receive.

Where to keep your savings?

There is no point in keeping your savings under your pillow. Firstly, there is a great temptation to get some amount of money out of the piggy bank for the purchase of things that are not very necessary for life. Secondly, this money will lie dead and will not bring additional income, and if we take into account that merciless inflation reduces the purchasing power of money every year, then it will hardly be possible to save up for an apartment in 3 years and even in 7 years.

It is imperative to seize the opportunity to increase capital. The easiest and most reliable way to make money generate income without risk is to open a bank deposit. In this case, you can expect to receive 10-12% per annum. Yes, the profit is not as big as we would like, but taking into account the fact that deposits in banks in the amount of up to 1.4 million rubles are insured by the state, this is not a bad option.

Attention! When choosing a bank, be careful! Make sure he is a member of the Deposit Insurance System!

More risky investments (stocks, mutual funds, bonds, etc.) can bring more income, but this is in theory. In practice, you can also lose your hard-earned money.

Is it possible with a salary of 30 thousand rubles in 3 years to save up for an apartment?

Is it possible to save up money for an apartment in 3 years, earning 30,000 rubles a month? To answer this question, it is enough to calculate how much you can save if you save half of your salary for three years: 15 thousand rubles x 36 months = 540 thousand rubles. Will this money be enough to buy an apartment? Unfortunately, this amount will not be enough to purchase housing even in the provincial outback, not to mention a large city.

But for the initial payment on the mortgage, this money in most cases will be enough. If you approach the choice of a credit program with utmost responsibility, take advantage of all available benefits, soberly assess the upcoming expenses, then the mortgage will become the most affordable option for buying real estate.

How to make money for an apartment?

As you already understood, it is unlikely that it will be possible to buy an apartment for cash with a salary of 30,000 rubles. To earn money for housing, you need to earn an order of magnitude more.

The easiest option is to find additional work. More difficult is to master a rare highly paid specialty. The list of the highest paid professions in Russia traditionally includes: IT specialist, auditor, programmer, oil and gas industry specialist.

Another real way to earn money for an apartment is to work on a rotational basis in the North.

As you know, the oil and gas, construction and forestry industries are developing there, therefore, vacancies are constantly open for drilling rig operators, driller assistants, engineering staff, and geologists.

The salary of such specialists varies between 80,000-100,000 rubles. If you manage to get into any large company (Lukoil, Gazprom, etc.), then you can save up for an apartment in 3 years.

Instructions

It is worth starting the accumulation process with the distribution of family expenses. Calculate what you spend a month on groceries and essential clothing, on child education and weekend entertainment, and don't forget about mandatory payments and other existing expenses.

Summarize your calculations. Now subtract the result from the amount that was at the beginning of the month.

If not impressive at all, consider cutting your costs. For example, buy groceries in bulk, plan your off-season vacation, etc.

Try to spend less on jewelry and fashionable clothes. Of course, you need to dress, but instead of five pairs of shoes, buy one for the exit and one for every day.

You should not postpone the entire balance resulting from the calculations at once. Very often there are unforeseen situations. And if you constantly “pull out” of the accumulation envelope for certain needs, the housing issue may not be resolved for many years. So put it off cash in a size that is reasonable for you.

You can put the accumulated amount in the bank. It is better if it is a foreign currency deposit. If you are confident in your opportunities in the market, try to invest your savings in some very profitable asset.

If you have enough money to buy an apartment of even the smallest size, buy it and rent it out. Thus, it will become even easier to save up for an apartment, additional funds will appear for investment.

Continue to accumulate monthly in the same way and at the same time receive additional funds from those who rent your apartment.

When the missing amount has been safely accumulated, sell the apartment you bought earlier, add and buy the one that suits you.

Sources:

• How to save money to buy a home in 2019

Not all people are happy with bank loans. I just don't want to have debts. And some do not meet the high requirements of banks for obtaining long-term loans. In either case, you have to think about independent savings for an apartment. Whether this is possible depends on proper planning. It is the plan that can give hope for success. He transforms the bubble of dreams into a well-cobbled ladder of success.

Instructions

Create a strategic stock. You may not be able to get out with your current level. You are a breakthrough, you need to raise yourself to another level where you can have income that matches your plan. This leap will take time, during which you need to be sure that you can pay the bills and not go into debt. The strategic stock can consist of both cash savings and real things. Make a list of household "consumables". For example, it is washing powder, soap, and other items without which life is impossible. Make sure that you have a stock of all the things from the list for some time to come. This will allow you to calmly go for global life changes.

Find people who earn enough to fulfill your goal. Think about what they do. If the business appeals to you, set a goal to learn it and make money on apartment.

Become a student. With a strategic headroom, you can afford it. You will not be intimidated if at first there is no income. Since there is nowhere to retreat, you will do your best to achieve success.

Raise your own level. Soak up everything you can from mentors.

Follow the plan for buying an apartment. As you increase your income, don't forget about your initial goal. Continue to live humbly until your dream comes true.

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There are many cases when people from poverty rose to a decent level. Read their books - they write that they are not smarter or more talented than others. They just decided to live differently. Such examples will drive away the fear of the unknown.

Useful advice

Robert and Kim Kiyosaki lived in a car with no housing. They were determined to achieve their goal. Therefore, we overcame difficulties and achieved our goal. Read their life story.

Sources:

• Banks give loans for the purchase of apartments

Today, few people refuse to have their own apartment. Moreover, many people want it madly, but only a few know how to achieve their dreams. If you just put off every month small amount then it will be decades before you buy your own home. But if you deliberately invest your money savings, then you can buy an apartment much faster.

Instructions

Choosing an organization where you will invest money At this stage you need to familiarize yourself with all the conditions that are offered by mutual funds (mutual funds) and banks (). Half of your income, as well as your savings, can be sent every month to a mixed mutual fund. It is worth choosing a "middle peasant" who shows a stable income, but does not lead among the rest in terms of growth (as practice shows, such people become outsiders after a certain time). In recent years, the average return on these investments has been approximately 37% per annum.

Investing money savings As practice shows, investing 10 thousand rubles a month has a family budget the least discomfort. Naturally, it is possible to multiply it in a short time only with the right strategy. By investing an amount of 10 thousand rubles in a bank deposit, for example, with a 12% rate, in a year you will already receive a capital of 260 thousand rubles.

Buying an apartment on a mortgageBefore concluding an agreement, you need to familiarize yourself with all the documents and requirements. First of all, you need to focus on the size of the down payment.

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You can earn much less than originally planned. This happens when you are chasing high interest rates. Many also make these mistakes when investing in an index fund. But in other cases, the desired result can be achieved much faster, although such an investment is distinguished by great risks.

Useful advice

If you save money in the old way - "money in stocking", then you will be able to save only for the first installment on the mortgage. Don't be afraid to invest. But before investing them, carefully study the history of the organization and the contracts that will be concluded with them. The combination of cash investments with interest and mortgages makes it possible to significantly reduce the time for buying your own home.

The cost per square meter in Moscow is increasing every year. Therefore, buying your own home is often just a dream. However, if you make an effort, you can save up for an apartment.

Instructions

Use everything available ways making money. If you have an apartment, room, house in an area where no one lives - rent them out. Pay the rent to bank card... There they will be safe and the risk of wasting them ahead of time is not great. As soon as there is a sufficient amount - three hundred, four hundred, five hundred thousand - open it. Many banks accept money from the population for a period of twelve months to two years, at eight to ten percent per annum. Please note that the contract must indicate that the contribution. Then you can add money to the account, and the interest will be calculated monthly based on the new amount.

Find a new job with a higher salary. Specialists of various professions are in demand on the Moscow labor market. Submit your resume on the sites www.hh.ru, www.rabota.ru, www.job.ru, tell all your friends and acquaintances that you are going to change jobs. Create a new resume describing all your professional experience, skills, and abilities. Send it to the email addresses of the companies you would like to work for. They may not be posting vacancies on the Internet, but they are looking for just such an employee. And your resume will come in handy.

Find a part-time job. Think about what else you know and can do so well that it can be appreciated by the employer. If you have studied languages ​​and are fluent in them, start translating texts. This can be done at home, as long as the Internet is at hand. If you've got a finance degree, look for companies that require a field accountant. If you are a lawyer, you can give paid consultations to firms that do not have such a specialist on their staff. Just go for walks on weekends and evenings with the dogs, this is also paid. The main thing is not to sit still and not wait for money to fall from the sky. Once you start taking proactive steps to earn them, everything will fall into place.

Useful advice

Pay attention to the Young Family program. The Moscow government partially sponsors the purchase of an apartment and provides mortgages at lower interest rates. Perhaps you just fit into the category of citizens who have the right to participate in it. Then you will not have to save as long as when purchasing a home only using your own funds.

The lack of one's own home gives rise to a feeling of uncertainty in a person. A rented apartment is not an option: you have to give most of the money you earn to a “stranger's uncle” on a monthly basis, without being the owner of the home.

Instructions

Take up freelancing as a supplement to your main income. Your skills, hobbies, and abilities can be beneficial to you and generate substantial income. Holders of honors and teachers can write diplomas and essays to order, students of the Faculty of Philology - copywriting, and lovers of weaving beaded jewelry - sell hand-made jewelry through online stores. Don't be biased about freelancing: you can make good money if you have 3-4 hours of free time a day.

Become the owner of a rare but highly demanded profession - such workers will be ripped off by headhunters. Who should you study for in order to earn a lot and earn money for an apartment as soon as possible? Graduate as a genetic engineer, oil and gas geologist, sommelier or furniture restorer. These professions have many advantages: earnings are always decent, and you are unlikely to be left without work. True, you will have to spend several years of your life studying at a suitable university, but it is undoubtedly worth it.

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Not everyone can buy their own home, because the cost of an apartment is many times higher than the annual income of the average Russian. Of course, you can take money from the bank, but the amount that you overpay by repaying the debt may seem overwhelming. In this case, you can use another option - to save money. And this is not a utopia at all. In order to save for an apartment, one must not only have willpower, but also possess a certain accumulation technology.

Instructions

The most important thing is to set a real goal, and then move towards it in small but sure steps. The goal should be as small as possible and accessible. Let's say, if you don't have any real estate, then you can start with a small room or apartment in a remote area of ​​your city - these options will be cheaper than luxury housing in the city center. If you own any living space, then everything is simplified - a one-room apartment can be exchanged for a two-room or even three-room one. And it's much easier to save up for a surcharge than for a whole apartment.

In order to accumulate and maintain your enthusiasm, there must be tools that will motivate you. And the motivation will be specific amounts to which you need to strive. Let's say you need to save up for a down payment in order to purchase a home on a mortgage. First, find out the price of the home and how much the down payment will be in percentage, as well as additional costs. The latter includes bank expenses and real estate agency services. So you have a specific figure. And even if you are going to exchange an apartment with a surcharge or buy in full for cash, in any case, you must have certain amounts in front of you.

In order to have a clear vision of how much you received, how much you saved and saved, it is recommended to keep records. Start a notebook for this, or create a special document in which you will record three indicators: income, deferred amount, total accumulated amount. When you have the opportunity to present these numbers before your eyes at any time, there will be a strong motivation in the subconscious not to give up everything halfway, but to save further.

To begin with, it is important to determine exactly how much you will need to buy an apartment. Study the housing market, choose the appropriate option in terms of area, location and price. So you will have before your eyes an approximate figure that needs to be accumulated. Knowing even approximate cost, you can draw up an action plan: calculate your income and expenses and determine how long it will take to collect the required amount. Do not forget about possible inflation, devaluation and financial crises that can affect the rise in property prices. This is also worth considering when saving money.

Tighten the belt tighter

Make it a rule to save a certain amount from each salary. At a minimum, it should be 10% of your earnings. Also review all your expenses. Think about what you can save on, what to refuse. For example, quit smoking, stop buying clothes that you can do without, and give up expensive foods. Stop using public transport if you can walk to work. Calculate how much money you spend on mobile services, internet, utilities. Find ways to cut those costs too. If you are used to going to a cafe or cooking during lunchtime, get rid of this habit and take food with you from home. All savings should be sent to the piggy bank. And so that there is no temptation to spend them, the money should be deposited. It is best to choose one where you can replenish your account at any time. Thus, you will not only save the savings, but also receive additional interest.

Additional income

Find additional income. Write abstracts and term papers, become a copywriter. Do handicrafts, for example, knit warm clothes, make jewelry or souvenirs, recently, handmade is very much appreciated. Walk your dogs for a fee. Plant ornamental flowers and sell the scions. Are you good at repairing household appliances and office equipment? Advertise that you provide such services. Do not refuse if in your main job you are asked to work overtime. In general, do not miss any opportunity to earn extra money. And save all funds from additional earnings on a bank deposit.

Perhaps it will take more than one year to make your dream come true - to raise money and buy your own apartment. However, if you have patience, gather all your will in a fist and do not give up halfway, you will soon celebrate a housewarming on your honestly earned square meters.

Most people dream of their own residential property, but they don't take action. They most often only think about the fact that they never collect the cherished square meters, or wait until they get the property from someone.

Every day, apartments are bought by the same ordinary people like you and me. Surely you are asking the question: "How did they do it and where did they get the money?"

And everything is quite simple - they, in turn:

• Learned how to competently manage your budget;
• They had a clear goal and went to achieve it;
• Found additional sources of income.

If you want to change your life, but don't know, then we recommend starting by setting a goal.

Tell yourself that you will buy your own home in a year. Your goal should be clear and realistic. Earning 20-30 thousand rubles and not having any savings, you should not hope that in exactly 365 days you will become the owner of a 3-storey penthouse.

Moving from simple dreams to real action. You need to decide on the characteristics of the future apartment in order to understand how much you will have to earn and how long to save money.

To make it easier to do this, answer the following questions.

1. What characteristics should your future apartment meet? For example, the number of rooms, their location (adjacent or separate), kitchen area, etc.
2. Where exactly do you want to buy an apartment? In or outside the city.
3. What funds do you have at the moment?

By answering these questions, you can easily calculate how much during the year you will have to save in order to acquire your own property.

for instance, you want to buy a studio apartment in the city center. We go to the real estate website and see how much the apartment that you would like to buy is currently worth. Let's say the cost of a one-room apartment is 2 million rubles. You have on hand a fourth of the amount, that is, 500 thousand rubles.

Having carried out a simple calculation, it turns out that another 1,500,000 rubles need to be accumulated over the course of a year.

In a month you will have to postpone:

1,500,000/12 = 125,000 rubles / month

We rearrange our thinking and learn to save

So, you decided to buy your own apartment in a year. But for this you need to do something. First you have to "tighten the belt" and. But you don't need to eat only bread and drink it with water.

Save - does not mean to live worse and limit yourself in everything. It is enough just to control your expenses, to give up money eaters, not to spend your hard earned money thoughtlessly.

1. Make shopping lists before each trip to the store. So you will save yourself from impulsive acquisitions.
2. Constantly analyze your spending and keep track of how you spend money.
3. To refuse from bad habits. If you calculate how much you spend on tobacco and alcohol, you get an impressive amount.
4. Change to public transport. Your own car is a very convenient means of transportation, but this benefit can take the lion's share of your budget.
5. Refuse to visit weekly entertainment venues. If you cannot do this, then try to visit nightclubs or cafes not once a week, but once every 2-3 weeks. At the same time, control your spending.
6. Replace going to the gym with morning runs around the stadium.
7. If possible, stay with your parents or relatives. The money that you used to spend on renting an apartment can be saved on your own property.

In order to prove to all readers that saving money is realistic to collect for an apartment, we propose to consider the following table.

Costs	Amount of expenses
Impulse buying	Impulse purchases cost RUB 500 / day. This is 15,000 rubles. per month. For the year 180 thousand rubles.
Bad habits	Cigarettes: 1 smoking family member spends from 100 rubles / day on cigarettes, two people spend about 150 rubles / day Per year: (150 * 30) * 12 = 54 750 rubles. Alcohol: one person drinks an average of 3 liters. beer a day. This is 50 * 3 = 150 rubles. If you drink only on weekends, then 54,750 rubles are spent on alcohol per year.
Entertainment	A trip to a nightclub costs an average of 5 thousand rubles. per person. If you visit such establishments once a week, then in a month you will spend 20 thousand rubles. And for the year 240 thousand rubles.
Housing rent	On average, rental housing costs 14 thousand rubles. per month. For the year it is 168 thousand rubles.
Total:	RUB 642 750

By cutting down useless spending, you can collect up to ¼ of the apartment in a year. Or use these funds as initial capital.

Anyone can make the same calculations. You will be very surprised to see your numbers.

Visualizing our goal

You've probably heard that our thoughts are material. Someone believes in it, and some don’t. But, nevertheless, we would advise you to think positively and believe that in the near future you will become the owner of the apartment.

For those who do not know how to visualize their dreams, we suggest using the following method. Create a poster (collage) of wishes. One of the items must be an apartment. You need to find a picture of your dream apartment (for example, in a magazine), cut it out and stick it on your poster.

It is imperative to hang your creation in a conspicuous place. Thanks to this, you will constantly meet the picture of the apartment with your gaze and achieve your goal.

Looking for money

At this stage, you can go in several ways:

1. Get a mortgage from the bank.
2. Find a person who wants to conclude a Lifetime Maintenance Agreement with you.
3. Seek financial assistance from relatives.
4. Take out a mortgage secured by existing housing.
5. Learn to redistribute family income.
6. Find additional sources of income.
7. Change profession or.
8. Use government programs.

And now we will tell you in more detail how to make money for an apartment.

Bank mortgage

Many people are skeptical about the idea of ​​taking out a loan. They believe that this is voluntary slavery, into which people drive themselves on their own. But in some cases, this is the only acceptable way to get money.

Before applying for a mortgage, carefully study all the credit conditions and calculate how much you will overpay. It is not difficult to do this on the bank's website. Often, the amount of interest is the amount of the loan itself. For example, you take 2 million rubles. for 10-15 years, but almost 4 million will have to be returned.

In addition, there is always the possibility of being unemployed or the family's financial situation may deteriorate. Taking out a mortgage for such a long term, you cannot be sure that in 5-7 years you will be solvent.

On the other hand, due to inflation, money depreciates every year and you may pay off your mortgage ahead of schedule.

The option with a mortgage can be considered when you have a part of the amount to buy an apartment, and you have additional income that will fully cover the mortgage payments.

Conclusion of a life annuity contract

Some people go to different sacrifices and inconveniences in order to have their own housing. For example, it is common for older people with special care needs to enter into an annuity agreement with young people. According to its points, young people inspect the elderly, and after the death of the latter, the apartment automatically goes to the persons who took care of them.

This option is more suitable for women, since it is easier for them to adapt to such conditions. You may need to live with an older person you will be caring for.

But be prepared to inspect, perhaps, you will have to spend more than one year. The main disadvantage of this option for obtaining an apartment is the possibility of terminating the contract and high costs.

for instance, you have been caring for an old man for 5 years. But one day it seemed to him that you were not doing your job well. He terminates the rental agreement, and you are deprived of the opportunity to get his housing. At the same time, no one will return the money that you spent on the old man (bought him food, medicine, etc.).

Weigh the pros and cons before taking such a step.

Financial assistance from relatives

Most often, young families need their own housing. If a couple has saved up, for example, a third of the money, then they can turn to their parents for help.

Close people will try to find a way to help. Perhaps they will have a certain part of the amount set aside, or maybe they will sell a dacha where they haven’t appeared for a long time, or their own car, which they travel several times a year.

Mortgage secured by existing property

If you have an apartment, but you want to purchase housing with a larger area, you can get a mortgage on the security of the apartment in which you live.

After that, you let the tenants into one of the apartments. Residents will pay you monthly rent, with which you will pay off your mortgage.

But do not forget to take into account the factor that the apartment may be idle for some time while you are looking for tenants, so you need to have some financial reserve in order to pay monthly mortgage payments in case of force majeure.

Also, you are not immune from the troubles associated with negligent tenants. They can damage your property.

Use government programs

The state takes care of young families and in some cases helps financially. The money provided by law can be spent on the purchase of an apartment. You just need to set a goal and find out about all the available state. programs.

For example, Russian families at the birth or adoption of a second and subsequent children can count on the so-called maternity capital.

Redistribution of the family budget

This option is suitable for families with at least 2 people working. Its meaning is as follows. The family must live on the salary of one worker for a year, and save the second.

For clarity, we will analyze example:

The cost of the apartment is about 1.5 million rubles.

The salary of each family member is approximately 25 thousand rubles.

If you save these 25 thousand rubles every month, then in a year you will save 300 thousand rubles.

You collect for an apartment in about 3-4 years.

Find additional sources of income

If you are completely and completely satisfied with your current job, but the salary leaves much to be desired, then we advise you to acquire an additional source of income.

Your best bet is to find a source of passive income.

Passive income – this is when you perform an action once, and you receive profit over time.

for instance, you put money on deposit in the bank for a year. Within 12 months, without doing anything, you can receive interest on the deposit.

There are many ways to make a passive income. ... But let's dwell on the 5 most popular options.

In order to collect for an apartment for a year, you can, and receive passive income. There are many options for making money on your own website. There is only one "But!" You must be prepared for the fact that within 6-12 months you will have to work hard, invest money, and you will begin to receive profit only when the site is visited, interesting for advertisers, etc.

1. Buying an existing site

If you do not know how to create sites, then for a fee. After that, you "untwist" it and sell it at a higher price.

You can also buy an already promoted site. It will be more expensive, but in this case you will not have to wait long for the receipt of profits.

Change your profession or open your own business

If you don’t like your job and it doesn’t bring you the income you want, then it’s time to change it.

There are several options here:

1. To retrain and master another profession... To do this, you do not need to enter a university and wait several years until you graduate. You can just take short-term courses where you will be taught everything you need. Of course, over time, you can get a higher education in your specialty, studying by correspondence.
2. Open your business... Many do not even try, because they believe that it is rather difficult and a large one is needed. We are sure that for people with a clear goal (and you have one) and a desire to work, nothing is impossible. Moreover, you can start your own business with, and the initial capital in this case will not exceed 10 thousand rubles.

Regardless of whether you change your place of work and type of employment, we are sure that it is quite possible to earn money for an apartment in 1 year.

In confirmation of this, we bring to your attention 8 promising ideas for earning:

Realtor

Realtor Is an employee of a real estate agency who helps buyers find suitable housing, accompanies the client throughout the purchase / sale transaction.

Selling an apartment is not as difficult as it seems at first glance. If you have free time and a desire to work, then you can try to master this profession. Moreover, no investment is required from you.

Let's just mention that real estate agents receive 10-15% of the transaction value. Let's make a calculation. If the cost of an apartment is 2 million rubles, then you can earn 200-300 thousand rubles per transaction, and there may be several of them per month.

Resale of an apartment in a new building

Everyone knows that apartments in buildings under construction are several times cheaper than real estate that has already been commissioned.

So you can buy an apartment that is still unfinished (at the level of the pit), and when the house is completed and handed over, it can be sold at a higher price.

For example, you have enough money for a one-room apartment, but you want to buy a two-room apartment. In this case, you buy a one-room apartment in an unfinished house, and when it is commissioned, you sell your property with a 15-20% markup. The money received should be enough to buy a two-room apartment.

Side job on your own car

If you have your own car, then you can and should earn money on it. You can get a job in a taxi service, be a courier or work as a driver in any organization.

In addition to the classic ways to make money on a car, you can use extraordinary methods. For example, to ferry cars from abroad and sell on the Russian market. It is best to drive cars from the Baltic countries, Germany or Poland.

Organization of training courses

If you are a creative person and know how to do what others cannot, then you can open an author's workshop. There you can teach everyone your skills for a fee.

This can be the manufacture of unique dolls, jewelry, clothes, etc.

Resale of goods

A fairly good income is received by people who are engaged in the resale (speculation) of goods. You can trade a wide variety of products.

Now many people buy Chinese goods and resell them at times more expensive.

Breeding exotic animals and plants

Good capital can be earned by breeding rare exotic animals and plants. In any city there are connoisseurs of such a product, while they are ready to shell out impressive sums for their weakness.

Representatives of flora and fauna can be sold through the Internet or specialized stores.

Starting your own business

Think about what you enjoy doing best and what you do best. Maybe it’s worth starting to do just that. It's time to step out of your comfort zone and start your own business.

For example, a man worked as a mechanic at a service station for several years. He likes this occupation and everything that he does not undertake, it turns out. Then he needs to take a chance and open his own service station. Thanks to this, he will be able to earn more, expand his business and develop.

How to save money on buying an apartment

Buying an apartment, people are often lazy to independently search for their future housing and turn to realtors or real estate agencies. For a certain percentage of the transaction, specialists are engaged in the selection of an apartment and accompany you at all stages of the purchase and sale transaction.

All this sounds beautiful, but in practice it turns out that such agencies do not have their own database, but are looking for options in newspapers, on real estate sites or message boards. But you can do this yourself.

Many realtors do not have the required legal education and cannot properly advise you on any issues.

If you are afraid to draw up on your own, then it is better to contact experienced lawyers. They are the ones who know all the little things and subtleties of buying real estate. Of course, lawyers have to pay too. But this way you will spend 2-3 times less.

Is it possible to earn an apartment for a year with a salary of 15-30 thousand rubles? per month

In order to understand how to make money for an apartment with a small salary, you need to analyze your expenses and decide on the parameters of the desired apartment.

Let's say right away that at the moment we are not considering housing in Moscow or St. Petersburg, because a salary of 30 thousand rubles in these cities is unlikely to be enough for a family "for life", not to mention savings.

Therefore, with such an income, you will have to buy an apartment outside the city or in small towns.

So, a studio apartment is in good condition. 2-2.5 million rubles.

Having a salary in 30 thousand rubles., you will have to give up your own car and rented housing. We'll have to live with family for a while and transfer to public transport.

On average, one person spends on food 8-9 thousand rubles... If a family of 2 - 17 thousand rubles

For public transport and other minor expenses - 5 thousand rubles

Remains 8 thousand rubles

We calculate and determine how much you will have to save for an apartment worth 2 million rubles.

2,000,000 / 8 = 250 months or 20 years

If there are 2 working people in the family, then about 10 years. But remember that during this time you will limit yourself in everything. And with the advent of children, spending will increase.

As you can see, it will not work to collect 2 million rubles in a year with a salary of 30 thousand rubles, even if you don’t spend a dime. But you will manage to save up for a down payment on your mortgage. To summarize, let's say that if you really want to have your own living space, then it is vital for you to look for a part-time job or change your current job.

Having decided to save up money for an apartment for a year, you set yourself a rather difficult task. During this period, you will have moments of elation and loss of strength, since you will have to work a lot.

In order not to give up and continue walking towards your cherished dream, we suggest using the following recommendations:

• Never give up. Go to your goal. It's worth it;
• Don't be skeptical. Think positively and optimistically;
• Don't look for easy ways and "easy" money. Do you remember the adage "Free cheese is only in a mousetrap";
• Don't be reckless. Think over any step you take, consult with relatives and friends;
• Bypass dubious offers and do not get involved with "gray" schemes.

Conclusion

It is quite possible to make money for an apartment quickly. But anyone who sets such a goal will need to get out of their comfort zone. Surely you will have to change your lifestyle, learn to save money and keep track of the money spent, give up entertainment, perhaps change your profession, retrain and find a new job.

Someone, it turns out, save money, but someone does not. We know one thing, in order to earn such a sum in such a short time, we need to act. Namely, to set a goal and go towards it no matter what. We are confident that you will succeed, and very soon you will be proud of yourself and show off your own home!

Greetings! Judging from the experience of my friends, taking an apartment on a mortgage is terribly expensive and sooo unpleasant psychologically. And it is clear that it is advisable to buy your first (second, third) real estate without loans and for your "hard earned".

Last time we already discussed the issue of choosing between. Today's article is intended to help those who still chose the first option. But how to save money for an apartment with medium or low incomes? I will not slip into outright platitudes like “save, save and invest”, “increase income and cut costs”, “”. I will suggest just a couple of specific tricks and tricks that will slightly simplify and speed up this long and unpleasant process.

But first, I’ll say a couple of "parting words."

Before you start saving for an apartment, you must tune in to ... a continuous obstacle course a couple of years long. We all understand perfectly well that in 1 year, even with an average income, it will not be possible to postpone for the purchase of housing. And even more so if the income is small.

In the near future, you will have to reconsider your lifestyle: hard, earn by all means and constantly think about where to add savings so that they do not burn out.

It is extremely difficult to keep yourself in the "iron grip" for a year or two or five. And sometimes it’s almost impossible. In general, tune in for a long marathon of surprises. Agree, the prize in the form of a separate housing is worth such sacrifices.

Define specific deadlines for yourself initially

From the experience of my acquaintances, I can say that it is extremely difficult to limit yourself in everything after four to five years of austerity. So be guided by this (or better - smaller) figure.

Start with start-up capital

This is a very important point! "From scratch" business will progress so slowly that many burn out, not even saving for the hallway. Therefore, either allocate an annual bonus for the start-up capital, or do a 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 in this by default. And relatives, friends, colleagues and acquaintances - at least provide moral support.

A friend of mine in Kazakhstan told a funny story. At the point of sale (photographic goods, copier, office) he worked alone. With the permission of the chief, he brought with him a box with a beautiful picture of a country house and the inscription: "Save up for a house!" He put it somewhere on the side and worked as usual. He says clients laughed and asked a bunch 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 it is extremely difficult to do this when everyone around is living a "normal" life.

You try not to smoke next to a colleague who is trying to quit and has already lasted two weeks?

Turn boring every penny count into a game or competition

The easiest way is given to young couples. And if you connect children (from seven years old and older) to the process, you get a long, long game for every day! The main thing is that parents have enough creativity.

Almost any situation can be played in an interesting way.

We met in the evening and bragged about who had saved how much during the 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 - put the money in a beautiful piggy bank box. Or they cast lots to find out who will get the money he saved - and he can safely spend it on what he wants. Or choose the "winner of the day" and present him with a delicious "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 over one by one 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 save money for unexpected expenses!

Otherwise, one fine day, half (if not all) of the money saved up for the apartment will go to pay for the treatment of a family member or urgent car repairs. Moreover, funds for force majeure should be kept separately from money for an apartment!

And just forget about the "housing stock" ... 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 the moment you buy an apartment, you can hardly be in Italy or Austria. But you should not completely give up going to a cafe, cinema, bowling or theater.

From time to time it is necessary to rest from the "saving mode"! An acquaintance couple used a trick called "the 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 these weekends, the internal "calculator" was turned off - after all, money could finally be spent the way you wanted. Within the allocated amount, of course.

Be sure to invest your savings!

Just putting money in the safe, you will move towards the goal in snail steps. Let's say average salary in Kiev now it is about $ 300, and a one-room apartment on the secondary housing can be bought for $ 30,000. That is, a person needs neither to 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! One more piece of advice: when a decent amount is “in the box”, a small part of it (10%) can be carefully “scrolled” in profitable instruments with high risks.

By the way, I took Kiev as an example, because in Moscow the figures will be absolutely fantastic.

How do you save (or did you once save) for an apartment? Subscribe to updates and do not forget to share links to the most interesting posts with your friends!

Greetings, dear friends! I have great news for you - be your own home! Yes, you heard right. In our country, buying an apartment through a mortgage is a large-scale event. Many people have to save money for its implementation almost all their lives. And for some, even this time is not enough to finally acquire personal property... In general, even if your salary allows you to take a loan from a bank, then in any case you will need funds for the first installment, and therefore, one way or another, and you will have to puzzle over where to get the money. I suggest that you do not fool yourself and do not postpone the purchase of housing on the back burner, but together with me figure out how to save up for an apartment and start moving in the direction of your dreams.

Learning to save money: how to improve your financial situation

Unfortunately, it will be very difficult for an average worker with a salary of 20,000 rubles a month to save up for an apartment. That is why you need to think what can you earn extra money on to start saving on your down payment on your mortgage. Easy to say, hard to do. Of course, many of you will now say that you have no idea where to start looking for a part-time job, and have no idea where you can find additional sources of income... But these are just excuses.

What to do?

I advise you first of all to ask yourself the question “ What can I do?». Right now take a piece of paper and write down on it all your knowledge, skills and specific skills that you have acquired during your life. Now go through the resulting list and ask yourself the second question - “ Which one do I do best?". Any of your skills in a particular subject area is your advantage in the labor market.

And finally, the last question to ask when looking at the list. " Which of these can bring me the most income?". Here I recommend that you check a couple of options. Now boldly choose the item that you like the most, to which your soul lies, and begin to actively work in the given direction. You desperately need money. You can get them different ways, among which:

What should not be done in any case?

Now hack into your nose what things will become a real taboo for you throughout the entire period of savings. Now we will talk about investments and purchases. So:

Count your money

Since we all know from childhood that money loves the bill obviously, the better we count them, the more we will have.

Debit

Order an income card for yourself. I did a review earlier. Read it, it is quite possible that you will like some kind of plastic. This way you make money work for you and your dream.

Opening a deposit

Open a deposit with interest capitalization. This will allow your money not to gather dust on the shelf, but to bring you a small passive income and help you save money for an apartment as soon as possible.

Phone assistant

Housing and communal services

Install water meters and start saving on utility bills.
If you have a three-phase electricity meter, put some of your household chores into night mode. For example, start your laundry at night, cook in a multicooker at night.

Attitude towards loans

At the earliest possible time hand out all your debts, if any, and do not borrow money from now on.

But before you go into economy mode, I conjure you: start earning more... Only in this case, within a year you will have the amount required for the first mortgage payment. And the experience gained will prepare you for a loan in moral and material terms. I advise you to start looking for an apartment about 2-3 months before the amount required for the purchase appears on your bank account. Thus, the problem of how profitable to take a loan will automatically disappear, and you will not have to waste precious time.

Money saving strategies

Since it is very difficult to obtain a mortgage loan without a down payment, you need to take care of solving the most pressing problem - how to accumulate this amount in the shortest possible time? Let me tell you right away that money for the down payment on a mortgage is not at all the same as saving for a "gray day". After all, you need to have a specific amount by the specified date. I suggest you take advantage of workers accumulation strategies.

Shlomo Benartzi's principle

Studying the mistakes of economic planning, the renowned economist Shlomo Benartsi created a standard pattern of behavior for people racking their brains over how to get a mortgage. His research showed that about two-thirds of Europeans have never been involved in long-term savings, and therefore are completely unable to predict their spending.

Simply put, people are not used to cutting back on their expenses and deny yourself the usual things. Fear of limitation makes it difficult for them to procrastinate. To solve this problem, Shlomo suggests saving according to the scheme “ more tomorrow". Its idea is to gradually increase investment. That is, at first you save 3% of your monthly income, gradually increasing the share of savings. The period through which the increase in the funded part will occur depends only on you and on the goal that you are pursuing.

I must say right away that if you are deciding how to save up for your own apartment in Moscow, being a specialist with a salary of 30,000 rubles, you need huge terms. Since we need an amount for the down payment on our mortgage, we can increase the share of savings by 1 percent for each new month. Although it is more profitable to take step of 5% which will be done every 3 months.

Of course, you cannot infinitely increase the share. Gradually, you will come to the maximum that will be optimal for your savings and comfortable for you. It is clear that no one canceled the current living expenses, but in this case it is important for us to learn to follow this principle. Benartzi himself is convinced that it is much more far-sighted to save money on a leftover basis. In addition, if your income suddenly increases (salary increases, for example), it makes sense to translate into savings the difference between the new and the old salary, a bonus.

Share method 50/20/30

This type of accumulation is much faster than the previous one and is more widespread. The method is based on the rationalization of the division of income. Since it is extremely difficult to control income that is divided into many parts, it is necessary to break down the salary into only 3 categories:

• 50% - it amount for compulsory expenses, which include utility bills, rent, grocery purchases, tuition fees, insurance, medicine, internet and communications
• 30-35% - these are savings, which in the future will become an initial payment on a mortgage loan
• 15-20% - these are trips to cafes, restaurants, shopping and entertainment

Strive to follow this methodology and split your income in this ratio. Remember that the most important figure in this formula is precisely future savings. However, this does not mean at all that you need to forget about current expenses, save on yourself and thereby lose motivation, periodically breaking down and spending the accumulated on trips to cafes and shopping.

Special government and banking programs

Benefits for young families

Social mortgage for newlyweds. Granted to families in which each member has not reached the age of 35. Thanks to this state program, you will be able to get mortgage subsidy... The amount of this assistance is calculated based on the number of members in your household.

If your young family is recognized as in need of better housing conditions, you will need to collect a special package of documents and register with the city administration. I advise you not to rush into this business, but first find out how actively this program is developing in your region of residence, and how many families have already managed to receive compensation for the purchase of housing.

Maternal capital

The family in which the second (or third, or fourth, or ...) child was born can use the maternity capital to pay the first installment on the mortgage loan.

Loan processing without payment of the down payment

You can get such a loan if you can provide the housing you already own as collateral. However, be prepared for the rate on such a mortgage to be slightly higher than the average.

Alternative deals

To speed up the home buying process, use the proceeds from the sale of assets as a down payment. A striking example of an alternative transaction can be considered the sale of an apartment you already have and the purchase of it to replace another. Alternatively, you can take out a mortgage for a share in an apartment with a good friend or relative. When the loan is repaid, you sell the apartment, divide the money, and use the profit as the first payment on the mortgage on your own home. The only nuance you need to know about: assets must be sold 2-3 months before the loan is issued. This is the period required by the bank in order to approve the loan application.

Few numbers

Let's calculate how quickly we will be able to pay off the mortgage loan if we buy an apartment that will cost 3 million rubles... Those of you who have read my article "" can skip this point, since you are already familiar with these calculations.

So, I propose to immediately break down borrowers into three categories:

1. those who have little income and who have no savings
2. those who have saved up part of the funds and want to pay off the mortgage loan as soon as possible
3. intermediate option

Let me remind you that banks calculate monthly mortgage payments and fix them until the end of the lending period. That is why you will know how much money you will need to give to the bank every month.

Thus, it turns out that if you tighten your belts, use all of the above tips for accumulating and increasing monthly income, then literally in 10 years you can become a full-fledged owner of your own home. Well, if we add here also the possibility of registering a tax refund from the purchased apartment in the mortgage, then it will be possible to pay off the loan even in 7-8 years. I will not talk about how tax interest is refunded now, since you can find all the information you are interested in in my separate review, which I will devote to this issue.

Potential risks and ways to solve them

Before taking a mortgage for an apartment, you need to assess all the possible risks associated with savings. I suggest you consider the most common and work with me to find out how their impact on the bottom line can be reduced.

Loss of concentration on the final goal

You must be prepared for the fact that it will be extremely difficult and painful... As soon as your primary enthusiasm subsides, and the accumulated amount is equal to several monthly family incomes, you will have an incredible number of temptations to use it not according to priority importance or even give up savings for a while in order to solve some current problems.

To avoid this scenario, before the start of savings for a mortgage make a reserve for all sorts of unforeseen expenses, the amount of which is equal to 3-6 months of family spending. Thus, you insure yourself against the desire to "get into" mortgage money, if something really happens that will require you to spend urgently that does not fit into the budget. In addition, knowing that you have such an unpleasant habit of spending money with or without reason, make a small reserve of money for yourself, which can be spent on pampering and treatment for a bad mood.

Unsuccessful investments

Since investment money is in a state of free play, we constantly run the risk of losing some part of it. This principle is completely inappropriate when it comes to mortgage money. These savings must be reliably protected and ready to use on time. Otherwise, your dream of owning your own home will go back on the back burner.

Do not try to multiply your mortgage down payment money by investing in securities, units of mutual funds and derivatives. Remember that money should be kept in such a way that there is no not the slightest chance reducing their number.

Bad timing

This point is in many ways similar to the previous one. However, in this case, we will talk about keeping mortgage money. in foreign currency... Agree, an unsuccessful purchase of currency is a sure way to postpone a mortgage loan. The same applies to reliable investments such as purchasing bond mutual funds or any funds in the money market. In principle, this decision is quite reasonable, but you need to remember that in a crisis the price of these assets could fall seriously.

This problem can be solved as follows. The closer the expiration date of savings approaches, the less “almost safe” investments like currency and bonds should be in your investment portfolio. Try to cancel them 3-6 months before making the first loan payment. By the way, this should include the choice of the bank in which your capital will be stored. Choose the most reliable commercial Bank , don't chase high interest rates. As a rule, the most profitable organizations fail at extremely inopportune moments.

Loss of income

If you chase after a little more income, while guaranteed to preserve the main body of capital, a banal loss of all interest accrued by you may occur. For example, most investment companies offer their clients sophisticated products, guaranteeing them a return on investment and offering an opportunity to generate more income than a bank. In this case, the risk associated with the possible loss of several percent per annum turns out to be completely unjustified if the storage period of your capital is strictly limited.

I strongly recommend that you keep your mortgage money exclusively in reliable banks that provide an opportunity to replenish a long-term deposit, even if they do not offer the highest deposit rates. Try to plan the terms of the deposit as accurately as possible so you don't have to lose interest on early withdrawals.

Criminal impact

It is unlikely that I will surprise anyone if I say that several hundred thousand, and even more so millions, rubles is an enviable target for all kinds of scammers and swindlers. That is why it is necessary to think in advance about the implementation of the "anti-criminal" plan.

Try not to spread the word that you are saving money for an apartment. Limit the circle of those who are dedicated to your financial plans, even among those close to you. You understand that even those who do not wish you harm may inadvertently blabber about your plans and successes. This is especially important for those whose usual social circle is completely unaccustomed to such amounts of savings. Unfortunately, money is often jealous and increased attention from outsiders. Entrust your capital to the bank, stop linking your account to your plastic cards, mobile phone and Internet banking. And if tied, store maps and access at home, with maximum isolation from the outside world.

Lost profit

Some banks provide special conditions for those customers who save money for a mortgage loan. Now I'm talking about special mortgage deposits with various bonuses. I must admit that non-interest bonuses often turn out to be much more profitable than the higher interest rates in other banks.

I advise you to study all the available banking offers for mortgage deposits. Pay special attention to addition to annual interest... As a bonus, you may be offered a discount on your mortgage or a free safe rental after the deposit expires, and much more.

And finally, a couple of tips to help you realize your dream of your own home in the very near future:

Do not seek to buy an apartment on your own, save up with like-minded people

Whatever it was, but alone to save up the amount necessary for the purchase of housing is an extremely difficult task. Just think: you will need to live somewhere, pay for communal apartments, food. To make it easier for yourself, write on a piece of paper a list of relatives and friends to whom you completely trust... Choose among them those who find themselves in the same situation as you and have an identical housing issue. Invite them to save up for an apartment with you, setting aside equal shares for real estate.

By dividing all payments equally, you can significantly shorten the term for paying off your mortgage and live with your partner as a rented apartment. The only difference is that you will pay for your property. As soon as half of the loan is paid off, the apartment can be sold, and at the expense of the proceeds, the remaining debt can be repaid. The remaining difference can be divided equally and used as a down payment on a mortgage for your own apartment.

If you apply, you need to comply

Unfortunately, nothing falls on your head just like that... To achieve the desired results, need to work hard, develop and improve. You must understand that any experience and knowledge can be subsequently monetized. A person who only does what whines about his salary of 30,000 rubles, of which 20,000 have to be paid monthly for a rented apartment, will never become successful. You need to master new professions, try to make money in other types of activities or improve your own qualifications in order to move up the career ladder and receive a large salary. Get in the habit of saving money in parallel, invest them (at least in a bank deposit), to make them work for you. If you do not like these changes and you are not ready for them, then all that remains for you is to continue making ends meet, huddle in rented apartments and make large purchases exclusively on credit.

Conclusion

So our lesson in economy has come to its logical conclusion. I really hope that you will be able to apply the acquired knowledge in practice and realize your dream of buying your own home. Share your mortgage experience in the comments, tell us how you saved up for an apartment, what difficulties arose, and how you fought with them. Well, that's all, dear friends, see you soon!

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