Constant costs

1 . Excess expenditure on trips to restaurants

It's always nice to have a look at a cozy cafe or treat yourself to dinner at an expensive restaurant. However, too frequent trips to such institutions can result in serious monetary losses.

The extra charge for food at public catering establishments can reach up to 300%.

In this case, if you spend 30,000 rubles a year on restaurants and cafes, the same meal cooked at home will cost you 22,500 rubles less.

Do not completely abandon the trips to restaurants. Just try to reduce the cost of such outlets in the light and their number, especially if you are now in the economy mode.

2 . Absence of pension contributions

Pension savings will provide you with confidence in your own future. However, some unscrupulous employers do not make deductions, while the employee may not even guess about it.

It is necessary to check whether your money is going to the destination.

Otherwise, you risk losing your own earned money, which should go to your retirement.

3 . Slow growth in investment
If you decide to invest in something, make sure that it really will bring income and improve your financial situation.

Your net income will vary greatly depending on the choice of the interest rate and the term of the deposit. The lower the interest rate, the less money you can save. Calculate the effective rate better in the bank itself or using a special calculator.