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Want to save money for a better future? There are 10 tips from experts here

The technical revolution has opened enormous opportunities for access to services and products, but at the same time it has also presented a major challenge for those who want to achieve the goal of savings for the future.

In a report published by the Spanish magazine Mui Negosios Y Economia, experts from different companies have shared major strategies to save a daily habit.

The report stated that in 2008, the financial crisis forced many to take a dip in their savings and transferred the way you think about the plan for the future - a change that may prove to be favorable in the coming years.

According to experts, "now we look at full transition from short-term investments to focus on middle and long-lasting strategies."

They add that too many people mean saving only expenses and what was placed aside to remain, it is used to cut down. However, this approach has evolved in the 21st century.

Most of this change, says experts, thanks to the technical revolution. Today, a large part of the population can now products and services that were only a few privileges, a few decades ago. While these services have some risks, they also provide opportunities to save money and secure money for the future when needed.

The magazine also gathered ten practical suggestions from these experts to help ordinary people save money, whether for everyday shopping or long -term goals.

If we don't know how much we spend each month, we won't know how to manage our money better (Getty)

First: Planning and comparison

 1Enter the budget

Many apps and equipment are offered by financial institutions that make your expenses easier. If you do not know how much you spend each month, it is impossible to manage your money effectively.

Create a monthly budget that takes into account your income, your expenses and what you plan to spend on. When you have a clear approach to revenue and regular expenses, you will be able to identify areas where you can cut down.

2Make a list of shopping

Starting with careful thinking about your expenses to save money. Even the daily trips to the supermarket can benefit from a simple list. Experts emphasize the important thing to distinguish between needs and wishes.

3Always compare

Start by searching for ways to reduce recurrent costs, such as turning on a cheap mobile system, choosing more economical power supplier or distracting while eating.

4Choose the right day to shop

Research on price monitoring suggests that prices are on average lower on Thursday or Friday than other days of the week. Your shopping time can make a difference.

Second: Focus on savings not just less

These tips cover everyday habits that can help you save a few dollars. However, real savings are not just about spending less - they are not about making money for you.

In these cases, in addition to comparing prices and further planning, it is strongly recommended to consult a professional, especially when buying complex services affected by unexpected factors. Experts emphasized that effective savings through financial planning are:

A good product at a better price means saving some money (Getty)

5Find a good consultant and the right product

Experts say that finding a reliable advisor and the right financial product can make a big difference. For example, choosing the right account can save you more than € 200 per year, it depends on the bank and what type of service you chose.

6Set a clear saving goal

Experts explain: "If there is no clear reason to save, you do not give part of your income another chance for the future. Without a purpose, you may be tempted to take a dip in this money to fulfill immediate desires."

They say that savings are the most effective when they have a specific purpose, instead of putting money into a normal fund without a goal.

7Open a dedicated savings account

It is necessary to separate the money you spend for monthly expenses from the money you protect. Experts recommend transferring a certain amount to your savings account each month based on your financial capacity. By doing this, you can also earn prizes or interest on your deposit.

8Adjust your savings account with your plans

Not all savings accounts are equally profitable. External factors such as inflation or taxes can reduce returns, sometimes make them inadequate to cover the cost of living.

This is why it is important to know what you are saving for and the risk you are ready to accept. Financial services always have a certain level of risk.

According to experts, "If you save for pension, the pension scheme is likely to be the most effective option. But if you may need money soon, the investment fund may be a better solution."

(Reuters) If there is no clear reason to save, there will likely be no sustained effort to set aside a portion of our income for the future.

9Follow the rule 50/30/20

Experts emphasize the importance of implementing the famous rule 50/30/20. This is a simple but effective way to handle money and savings:

Take around 50% of your monthly income for important expenses such as rent or hostage, bills and grocery articles.

Grant around 30% for personal and festive expenses including gym membership, serving and fashion.

Save 20% of your income.

Experts say: "If you install a weekly, two-week or monthly routine to separate part of the income for savings at the beginning of each month, it becomes very easy to gradually raise gradually and frequent money."

10Try "Penny Trick

Experts also suggest a single grip called "Penny Challenge". "This method begins with only one percent, two cents on the first day, three cents on the second day, and so on. Although it requires patience, you can save it from Ease by € 668 by the end of the year."