What to save from your salary now to avoid problems in the future

To improve living conditions

If you have not inherited a mansion in the city center, sooner or later the question of improving living conditions will arise. Someone will need a down payment on a mortgage, someone - a surcharge to expand living space or to move to a more prosperous area.

By the way, lucky people with apartments in the center shouldn't give up on the idea of saving up for real estate if they have children. The idea of sending descendants into real life penniless, so that they can achieve everything themselves, is, of course, noble, but having their own living space will greatly facilitate their life.

In case of professional burnout

We make a decision about our future profession quite early, and not everyone hits the target the first time. If you feel that you have taken the wrong turn in your career, not all is lost. History knows examples when people at different ages radically changed their lives, started from scratch in a new profession and achieved success.

But keep in mind that this will require money. The amount is worth saving, taking into account the fact that for some time you will study and receive the salary of a beginner specialist. During this time, savings should provide a normal standard of living for you and your family.

For old age

Of course, you still have to live to see retirement. But there are chances for this, so it is better to take care of a more or less comfortable economic situation in advance. At the end of 2017, the average pension in Russia was 13.3 thousand rubles. So far, there is no reason to believe that in the future these payments will increase incredibly and they will be enough for a comfortable life. Therefore, it is worth making a financial plan and saving money regularly.

For advanced training

In most professions, it is necessary to constantly develop in order to remain in demand as a specialist. If you want to climb the career ladder rather cheerfully, you will have to study a lot and often. Moreover, some employers are interested not only in the new skills of the employee, but also in the big name of the teacher of continuing education courses. And you have to pay for this, and a lot.

For the education of children

It is now impossible to predict whether budget-funded college places will exist by the time your child grows up. And it's better to tune in to the worst case. Think about saving in advance: the earlier you start saving, the more painless the process will be.

In the future, if the child is still able to study for free, you will find where to spend the accumulated amount.

On a trip

Surely you are already tired of the phrase about the age of the sneakers, which does not matter if you are walking around Paris in them. Moreover, it is not enough for every trip to save money on buying a pair of shoes. Better to start saving money in advance for your dream trip so that you don't have to change the canals of Venice for grooves next to the summer cottages.

In case of force majeure

Not having savings in case of force majeure is not very far-sighted. Ideally, the piggy bank should contain the amount for which you and your family can live for 3-6 months in the usual conditions.

Unfortunately, you cannot insure yourself against troubles. Losing a job, needing an operation, a fire in an apartment, damage to a car in an accident - all this can cause a lot of trouble. But savings will act as a safety net that will help you survive an unfavorable period.

To provide passive income

It doesn't matter which way you choose to generate passive income, most of them require an initial investment. To invest wisely, it is better to diversify capital, for example, buy shares of not one company, but several. And in this case, the amount of investment should be significant, so as not to remain in the red if a smaller part of the securities “shoots out”.

To make a dream come true

Dreams are different, but certainly difficult to achieve, otherwise they are not dreams, but goals. Money will not necessarily fulfill your cherished desires, but it can bring you closer to their fulfillment. Especially if you do not dream of world peace, but of, for example, shaking hands with Arnold Schwarzenegger, traveling around the world or becoming the owner of a prize horse.