In October-November, we least of all think about saving: after all, the main sales are still ahead, and even the New Year is not far away. But you can also save on future expenses — it is enough to plan them in advance. This approach will help you achieve your financial goals faster and not spend too much. Here are the top three things we advise you not to postpone.

Early booking tours

January and February

For March and April there is more choice: on a tour to Spain or Italy, you can save up to 10,000–20,000 rubles, Cyprus — up to 25,000 rubles, the United Arab Emirates and the Maldives — up to 50,000 rubles.

There are few seasonal sales in Russian stores in October. But


It is convenient to follow the sales in Russian stores on the website

Another life hack is to order things in American online stores. Now you can save up to 50% on clothes and accessories there. TO

In October, overseas stores are actively selling costumes and other paraphernalia for Halloween. All this can be useful in the future for children’s Christmas trees and matinees.

Deloitte statistics will also help plan what to give as a gift: 39% of men want electronics as a gift, and 49% of women want perfumery, while 49% prefer foreign brands. More than 60% of Russians plan to buy gifts on Black Friday — November 29, the rest are expecting Christmas sales on December 10. This means that in December the most popular models will already be sold out. Postal services are overloaded during large sales, orders take a long time and are often lost. On ordinary days, you can save money using cashback services, which return up to 5% of purchases:

The good old principle of «prepare the sled in the summer, and the cart in the winter» is still relevant today. By scheduling spending every month, the savings come from more than just discounts. With smart consumption, shopping planning and no impulse purchases, you will have a certain amount of accumulated in your bank account. What’s next? Store them on a bank card or in a cache? In fact, neither one nor the other is reasonable. Whatever the maximum cashback (and

It is as reasonable as possible to make the saved money work for you and generate additional income, for example, invest in

It is these saved and wisely invested funds that are your airbag. They will not only allow you to feel confident, but will also help you achieve your financial goals: whether it is a down payment for buying an apartment, a dream vacation or a child’s education at one of the best universities in Europe or the United States.

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