Good day, dear friends. I guarantee that if you ask how much a potential investor can start with, most will name quite impressive figures, much higher than the average monthly salary of an ordinary compatriot.
I argue that absolutely anyone who has correctly optimized their budget and achieved a stable excess of income over expenses can make their money work effectively.
So, today we’ll talk about where to invest little money and look at which ways will help you save it and which ones will help you increase it.
Bank deposit
The simplest and most reliable way to save such little money is to open a bank deposit, which guarantees its return even in the event of bankruptcy of a financial institution.
A big disadvantage is the low interest rates, which in the current period barely cover the officially declared inflation rate.
And since the real depreciation of the national currency is significantly ahead of statistical data, it is worth turning to this method of investing funds only if the alternative is to store them at home under the bed.
As small tricks that can slightly increase the attractiveness of a deposit, we can recommend:
- open it online, which often allows you to get an additional percentage on the bet;
- choose a deposit with interest capitalization;
- pay attention to the minimum penalties for early return.
How to save money: 5 strategies
Save 10%
Anyone can take 10% of their salary and save it. With an income of 50,000, in 12 months you will gain 60,000. Next year, put this amount on deposit in the bank, protecting against inflation.
Even with a salary of 20,000 rubles, try to save. If you find it difficult to “tear off” 10% at once, start with 5% or 1%. The amount will be small, but it will develop a habit.
Pay yourself
Before you pay your basic expenses, pay yourself first. Set a precise goal and deadline. So, you will have clear motivation. For example, save 700 thousand in two years for a down payment on an apartment. Determine the amount you will save every month. Once you receive your salary, immediately transfer the money to yourself.
Divide your salary into five envelopes
Divide your monthly income by 5 and put this money into 5 envelopes. Each of the four is a budget for one week. The fifth envelope is savings. If it is problematic for you to divide the money equally, put 15-20% in the fifth envelope. The main thing is that this amount remains stable from month to month.
Automate payments
Set up a monthly transfer in your banking app to a separate account. This helps you pay yourself automatically. You don't have to think about how much you'll save every month, and managing a reduced budget will become a habit.
Get a cashback card
Cashback is a marketing feature of banks that encourages them to spend more. But you can make it work for you. If your card receives 5% cashback at gas stations or supermarkets this month, only use it and not cash. You will still spend the conditional 10,000. But the bank will return 500 rubles. Then send them to your savings account.
Gold
Having very little money on hand, you can always open an impersonal metal account at a bank, which does not require an actual purchase of precious metal.
This makes it possible to start with one gram of gold, while, for example, the weight of bars starts from five grams.
Although this method cannot be called profitable, it is impossible to think of anything better for saving money. This account will allow you not to worry about the need to store metal in a safe or cell and receive your interest if the price of gold rises.
The depositor has two options for opening an account:
- urgent, from which you can collect the equivalent of the value of the metal only after the expiration of the contract;
- current, which allows you to receive speculative income from the repeated sale and purchase of metal during periods of growth and fall in its value.
The disadvantages of such an investment include the fact that metal accounts are not covered by the state deposit insurance program.
The biggest, the smallest and the dirtiest. 10 Amazing Facts About Money
The biggest, the smallest and the dirtiest. 10 amazing facts about money. Money. Much money. Photo: guinnessworldrecords.com
- The smallest banknote in the world, according to the Guinness Book of Records, was recognized as a 10-bani note. It was released in Romania in 1913. It is the size of a postage stamp - 2.7 x 3.8 cm.
- There is, of course, the biggest money. The pure gold coin weighs 1012 kilograms. Its cost is one million Australian dollars. The coin also has its own name - “Australian Kangaroo Weighing 1 Ton”.
- It turns out that modern money is literally “dirty”. More than a hundred species of bacteria and microbes live on banknotes. The most dangerous are E. coli, salmonella and Staphylococcus aureus. Moreover, microbes use money to move from one continent to another.
- Well, money from Japan is recognized as the “cleanest”, because there banknotes are heated to two hundred degrees in ATMs. Fungi and bacteria do not survive at this temperature.
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Stocks and bonds
It is worth turning to this option in its classical scheme only under the condition of long-term investment, due to strong regular fluctuations in the stock market.
By the way, now it is possible to buy shares without leaving home through the broker Finam, as well as open an individual investment account (IIA) remotely. To buy a small block of shares for testing, you can use the button below:
Investing in stocks will be effective when purchasing securities of several companies with high potential returns. Today, these include companies in the oil production sector, as well as enterprises operating for export.
Bonds have a lower purchase price, good liquidity and, very temptingly, fixed income. This gives you a chance to clearly calculate the amount of possible income.
Despite the fact that bonds are traditionally considered a less profitable instrument than shares, their yield still exceeds that of bank deposits.
This makes them more attractive to investors, although it is clear that with 100 dollars, even with a fixed annual profit of 10-12%, you will not earn much.
Little money - little problems
The example with my friend is, of course, not a complete and far from the only example of people’s reluctance to learn how to fish themselves, but in general it can be understood that a person came to financial difficulties because of his inept handling of money. I tried to explain to him that having learned to manage small money, it would be possible to make big money for yourself without any problems, that you need to grow up for it. But apparently I tried poorly, since I didn’t get through to his mind, however, all is not lost, sometimes people come to me a month or two, or even a year later, and say that they understand everything and ask me to give them my attention. Moreover, what’s interesting is that I even offer to teach some people for free, well, if I’ve known a person for a long time, if we once chewed the same gum between us, why not help him.
Although, to be honest, it’s not that my time, but my attention, is expensive, I’m not one of those who, wearing family shorts in the kitchen, is ready to spend hours talking about how to live and run the state. There are many such dealers, I don’t have time to deal with this nonsense, I either do something for money, or for my own pleasure, or like with this site, both together. Everything is simple and obvious, you just need to find the desire in yourself to understand and then, based on what you understand, begin to take action. Little money is not given to a person by chance, just as children are given toys according to their age, so life gives a person as much money as he, at its wise discretion, can, in principle, cope with. If a person, having little money, manages to get himself into big trouble, imagine what would happen with a lot of money if it were at his disposal.
Although what can you imagine, life is full of examples of how big money led people to big problems, the situation with loans is a direct confirmation of this. A person cannot properly manage the amount that is given to him on credit, so he ends up in a complete mess and starts receiving chain letters from collection agencies. On TV, of course, we will be told about the lawlessness on the part of these same collection agencies, but you and I, as mature and reasonable people, understand who the real problem is. Of course, people who borrowed money and do not pay it back, Holiness himself, well, they don’t have money, as they say, which means, apparently, we should enter into their position and forgive them the debt, and to those who gave it to them, a big human thank you .
People are not ready for money, they don’t even know how to deal with little money, what can we say about big money, but they go after this money, getting into trouble on their own ass and sometimes you can’t stop them. Remember, dear friends, small money means small problems, and big money means big problems, because if you have problems with money, then in reality you are the problem, not the money and not the amount of it. In my article “Knowledge about money,” I wrote about what knowledge a person should have about money, what its meaning is and where to get it, and so on and so forth. Without this knowledge, you should not try to rein in such a daring horse as money.
Mutual investment funds (UIFs)
This is another way that allows you to invest a small amount. Each mutual fund has its own threshold for entry, which can vary significantly: for example, from five to fifty thousand.
Therefore, there is always the possibility of choosing a suitable fund. But even if the available amount does not allow you to join a certain mutual fund, there is always a chance to purchase a share not in its entirety, but in a fractional ratio.
The undeniable advantages of mutual funds include government control over their activities, which minimizes the likelihood of various fraudulent schemes.
Also, given that all the work on analyzing the stock market and daily tracking of quotes is undertaken by the management company, this type of investment does not require deep financial knowledge from the investor, and is therefore available to anyone.
The only desirable nuance of professional work with mutual funds is the diversification of deposits across different funds. And this cannot always be done when there are significant constraints on funds.
Here you will have to choose either a reliable bond fund or an income-generating stock fund. But in the end, losing $100 is unpleasant, but not fatal. But you will get a practical understanding of investment activities.
Little money and big man
Well, I hope that, in any case, some of those who will read this article will be wiser people in relation to themselves and money, naturally, I hope that this will not be another article swallowed and completely not chewed by many of you. You can talk a lot and you can talk smart, but if no one listens to you, then it is a waste of time and effort. But, just as I listened to those who gave me knowledge about money and life, I think you can do this too, because someone who shouts only creates a lot of noise for those who are sleeping. Look at many very rich people in this life, are they really trying to reach out to ordinary people, explaining to them as clearly as possible how to make money?
Why the hell they don’t need it, they feel good, they’re well-fed and everything is in perfect order, but you guys want to delve into what is there, or what these people say, but if you don’t want to, plow to the grave as if mules, because without you there will be no rich people who profit from you. If a person is wise, if he is adequate in relation to himself, he will listen to those above him, he will not argue or try to explain anything, he will listen as carefully as possible. This is a big man, his growth as a person will be active and fast, because there are no obstacles to this in the form of Ego and the screen of stupidity, which only pulls him down. And for a big man, small money will turn into big money, because it is impossible to be poor when you are really smart. To do this, you need to try hard, at least to see the point in not wanting more.
Before creating this site, I created many other sites, from which I collectively earn very good money. I wrote articles like this one on them, not as informative, of course, but nevertheless revealing many aspects regarding money. But the people who visited my sites didn’t give a damn about what was written in my articles. And even now, in principle, many people ignore this site, they will go in, look, it’s not what they were looking for and leave. And what they were looking for, they know about it, how does a person who does not have money understand what he needs in order for money to appear? Pay attention to the popularity of social networks, where all this crazy voting for photos and other crap takes up a lot of people’s time. After all, they spend their time for days on end doing these completely meaningless activities, paying for all sorts of nonsense via SMS.
Can you and I, in this case, talk about a big man? To get a basic understanding of the essence of what I’m writing about, imagine a situation where, say, a very rich person suddenly suddenly goes broke and becomes poor. What is the probability that, albeit not to the previous state, but still not to such a wretched state as most people live, this person will rise again? The probability of this is very high, and as life shows us, some people achieve even more than what they had before ruin. Now imagine a situation where a small and narrow-minded person in life, completely irresponsible and slack, suddenly received a huge amount of money, for example, as an inheritance. Will he become a rich and successful person in life?
Yes, it’s unlikely, most likely he will squander all his money if there is no one to help him manage this money correctly, and he may even make enemies for himself in the person of his former friends, who will turn into trash for him. Of course, I cannot say this with absolute certainty, but I have often seen this, which is why I am writing to you about it. If a person has not grown up to big money, then he should be content with small money, for his own good. I recommend that you read my article, which is called “Real Money,” to understand the obstacles that, for example, prevent people on the Internet from earning money for themselves. When a person grows as a person, then money, along with this growth, increases in quantity in his wallet, try to understand this, for this is the truth.
PAMM accounts
Today, this type of investment is considered one of the most promising due to the opportunity to try earning a “taste” from fairly small amounts, connecting to the work of a professional trader and potential high profitability.
The managing trader operates not only with borrowed funds, but also with personal funds. In addition, his commission is directly proportional to the amount of profit received. All this forces him to fight for maximum income.
Depending on the chosen strategy, the profitability of PAMM accounts can fluctuate significantly. But on average it is about 11-15% per month.
The investor has the opportunity to withdraw earned profits after the first week of trading. But it is much more efficient to capitalize these amounts to the main deposit, which will allow you to receive compound interest.
Despite the visible benefits, working on the foreign exchange exchange is always associated with high risks. Therefore, it is worth taking care of distributing your funds among several traders with good ratings.
In this case, the unprofitable session of one of them will be covered by the profit received by other managers.
Cash flow
The biggest, the smallest and the dirtiest. 10 amazing facts about money. Money, a lot of money. Cash flow. Photo: pixabay.com
- The most common primitive money on Earth was shells. Cowries originated in the Maldives and then spread across Africa and into the Middle East. This currency ceased to exist only a few decades ago, but back at the end of the 18th century in Uganda, two shells could buy a person.
- And on the Fiji Islands the money was sperm whale teeth. Now, of course, they are not a means of payment, but they remain quite expensive, so now they are being bought by antique dealers.
- In ancient times, money was not only grain (this is well known), but also livestock. It was easy to transport, it was “stored” for a long time and “did not spoil.” “Almost money” were horses and camels. In many Islamic and Eastern cultures, they were used, for example, to pay bride price.
Own business
Of course, opening your own business offline with an initial capital of $100 is quite problematic.
Although there are options here too, for example, resell things until you save up a more significant amount. Or organize a home business that requires minimal investment, for example, manufacturing and selling hand-made products.
But, taking into account the specifics of my activity, I can say for sure that this amount will be enough for you to start the process of creating your website or blog.
And for promotion, you will earn more money or you will have to master methods of free resource optimization.
Investments in a personal online project are certainly not short-term. With the most optimistic forecast and hard and persistent daily work to promote your Internet site to the TOP of search engines, it takes at least six months to build up a decent link mass.
Plus, as in any business, there is a possibility of “burning out” due to high competition or disinterest of a wide audience in the proposed content.
But if successful, your investments will pay off with interest and become a source of constant and, most importantly, passive income, which is the main goal of any investment process.
Quick earnings and part-time work
If you need money urgently, or a small amount is missing every month, then you can earn additional income in your free hours. I propose to consider several options for work that do not require special qualifications.
For women
Many women clean houses and apartments of wealthy people on weekends. The most reliable way to get such a part-time job is to contact a cleaning company that provides similar services. Then you will be able to receive orders at a convenient time.
Another common option is to work as a nanny. It’s good if you have a pedagogical education, experience working in a kindergarten, or your own children. Then the chances of getting a part-time job increase. If you don’t have education and personal experience, then most likely you won’t be able to cope with the task; after all, children are a big responsibility.
Also, many young girls have been working as animators in cafes and restaurants since their student years. Their task is to look after the children and, if necessary, entertain them while the parents celebrate the holiday, communicate with other adults and relax. This job is easier than being a nanny, and moreover, several animators are usually involved at once, and there is an opportunity to get used to and adapt.
For men
Men can find part-time work in the field of repair and construction, joining crews for short or long periods. At the moment, payment per day in this field is approximately 1,000 rubles in large cities. People often hire people without experience, even students.
The only serious problem is unscrupulous employers who may not pay for work. Therefore, calculations usually take place per week rather than per month. It is best to get a job where your friends or acquaintances worked, then you can avoid scammers.
Another option for men is repairing household appliances, furniture, and plumbing fixtures. If you can fix any thing in your home, you will be a salvation for many people who cannot change the kitchen faucet or switch on their own. Offer your services on the website avito.ru.
You can also work as a courier and pizza delivery person, especially if you have your own car. A popular opportunity to earn money among male drivers is to be a taxi driver. At any free time, you inform the dispatcher that you are starting work and accepting orders. Many people prefer this kind of part-time work on weekends and holidays, since tariffs double at this time.
If you often travel from one city to another, take travel companions using the BlaBlaCar service and earn money. Other resources where a driver with a car can find part-time work are stickerride.ru, delivery services for flowers, baked goods, gifts, uber.com, Yandex.Taxi.
For students
A teenager can earn money on the Internet, for example, by performing some simple tasks on freelance exchanges. Offline, students can earn extra money by writing papers for their peers or those 1–2 years younger.
I studied at the Faculty of Economics, in the first year we had programming with laboratory and even coursework on Turbo Pascal. This is very difficult for economists, but I already had knowledge of the subject, so I wrote “labs” for my fellow students for little money; it was somehow awkward to take a lot from my own people.
Then new first-year students came, I visited them in the 2nd - 3rd week of study and offered my services. There was silence for about a month, but closer to the session there were more and more people wanting to submit their work. I raised prices and made good money.
After the summer session, during the holidays you can get a job as a waiter in a cafe by the sea, as a counselor in a children's health camp, or as a worker on attractions in an amusement park. Read more about earning money for students.
Universal methods
There are ways to earn money that are suitable for women, men and even teenagers. One of them is selling your old books in used bookstores in your city or on the Internet on the following sites:
- libex.ru,
- alib.ru,
- bookodor.ru,
- books.ru,
- litamarket.ru,
- knigirossii.ru.
Also, anyone, even a schoolchild, can earn extra money by handing out promotional materials on the street. There is a fee per hour or for the number of leaflets, business cards and other paper products that were handed to passers-by. This work may not seem interesting or profitable enough, but if you approach it creatively, customers will definitely appreciate it.
Not far from my house there is a man who works distributing leaflets; he presents advertising so coolly and sincerely that it seems to me that businesses should line up for such a promoter.
Here are some more ways to earn extra money in your free time from school and work:
- participate in paid surveys, focus groups, surveys;
- be a secret shopper;
- donate blood once every 3 months at a transfusion center in your city;
- write reviews about products and services on sites such as otzovik.com and irecommend.ru;
- type captcha;
- repair computers and install programs;
- become a toastmaster at weddings. The celebration usually takes place on Saturday, so if you work 5 days a week, you can celebrate on the sixth;
- be a singer in cafes and restaurants, if you have the skills for this;
- install mobile applications;
- become an animator at children's parties. I know one married couple; before the New Year, they turn into Father Frost and Snow Maiden for local children;
- complete simple tasks on the websites kwork.ru, work-zilla.com, youdo.com;
- care for the gardens of wealthy people;
- perform tasks in the Yandex.Toloka service;
- sell and resell old, unnecessary things;
- become a participant in network marketing;
- like, repost, write comments on social networks and receive payment in services such as Bosslike, VkTarget, QComment and others;
- walk the dogs.
During my student years, I worked part-time as a secret shopper, conducted surveys by phone and on the street, and participated in focus groups. It took about 2 hours on weekdays and 3-4 on weekends, and in some months the income was quite good. If you are interested in making this kind of income, look for enterprises in your city that engage in sociological research.
How else can you earn income?
There are many ways you can make money or save money. It is important to set this goal. Here are some more options:
- all kinds of cashback for purchases;
- receiving interest on the balance on a bank card;
- earnings from games;
- deposits;
- earnings on the financial exchange;
- investing in securities;
- intermediary activities in the sale of any goods, services, movable and immovable property;
- rent out real estate, cars;
- rental of various things through the sites rentmania.com and arendorium.ru;
- purchase of a ready-made business;
- earnings from bankruptcy auctions;
- cryptocurrency mining;
- traffic arbitration;
- sale of photographs in photo banks;
- participation in competitions for texts, videos, photographs, layouts for various global brands on the website eyeka.com for creative people;
- selling videos of events in your city through the LifeCorr application;
- earnings on Yandex.Zen.
No one obliges us to live on one salary, so we can create several sources of income.
