Coffee, taxis and subscriptions: St. Petersburgers called “black holes” that prevent you from flying to the sea
In a busy life, St. Petersburgers sometimes forget what it means to relax on the sea. However, not only people with high incomes can afford a vacation. Associate professors of the Financial University under the Government of the Russian Federation, candidates of economic sciences Sergey Tronin and Natalia Kuchkovskaya told that you can save for a long-awaited trip by saving only 5-9 thousand rubles a month.
In a busy life, St. Petersburgers sometimes forget what it means to relax on the sea. However, not only people with high incomes can afford a vacation. Associate professors of the Financial University under the Government of the Russian Federation, candidates of economic sciences Sergey Tronin and Natalia Kuchkovskaya told that you can save for a long-awaited trip by saving only 5-9 thousand rubles a month.
If we consider holidays on the Russian coast or in the near abroad, the average travel budget will be from 60 to 100 thousand rubles. In order not to break down and not to spend the deferred, experts advise to open a savings account or a targeted deposit in the bank without the right of early withdrawal. Then, on the day of salary, a fixed amount will immediately go to the future holiday budget.
Of course, successful accumulation will require closing the invisible black holes in personal finance. This list includes daily takeaway coffee, forgotten paid subscriptions, bank fees and spontaneous taxi rides. Experts propose to replace these costs for homemade drinks in a thermos and public transport, as well as to abandon paid services in favor of free analogues. Another useful life hack is to go to the supermarket exclusively full, so as not to succumb to the temptation to buy delicious, but unnecessary products.
For a profitable purchase of air or railway tickets, it is worth tracking the days of minimum fares in advance. For example, booking out-of-season vacations in January or February can save up to 35% of the total tour cost.
Economists recommend applying the same conscious approach to ordinary purchases during accumulation, whether it is a washing machine, a new dress or a phone. In this case, the “24-hour rule” works perfectly: before paying for expensive things, you should take a pause for a day. This time is enough to soberly decide whether the purchase you really need, or this money is better to save on the long-awaited sea.
