A couple of years ago, the Europeans conducted a study and found out that the most leaning nation in Europe are Germans who, with a truly German pedanticity, postpone the future for the future at least 10-15% of their income. In a word, save and invest.

Where does the Germans invest money? It can be:

cumulative account in the investment fund;
Contributions to the Pension Fund;
contributions to the hospital cashier;
Buying highly liquid stocks that are consistently growing in price;
buying a property

Like many countries, Germany lives in debt: almost all the Germans have loans. For things and cars, they prefer to pay in cash, previously coping the whole amount or at least most of it. The Germans are trying to provide their own old age in the bulk, and for this, first of all, they will be seen by real estate on credit. Build a house or buy an apartment and pay for them to a pension - that's a dream and the main task of any German.

Darm money in Germany is not found, and finding highly paid work is not easy: competition in the labor market is very high.

So, it remains only to save, and so that it is not too low of the quality of my own life, which the Germans are so proud of.

So, how and on what are the ordinary inhabitants in Germany?

1. Savings begins with a small. This is taught in Germany since younger. Almost every German student has piggy bank: With its help, children are taught to save and save. They see on a visual example, as small amounts that are not embedded to the little things, are transformed in a few months in decent "capital", which can be "investing" in an expensive toy or unplanned hike in the amusement park. With age, the habit does not pass: adult Germans also collect a trifle, which is always interferes in his pockets, in a piggy bankAnd then exchange in a special machine and spend, as a rule, on vacation and travel.

2. Germans carefully plan their budget. First of all, the money goes to the rental fee or the payment of a loan for housing (this can be up to 50% of income) and utilities, then they are in terms of insurance, and what remains, live. Considerable share of income is on the maintenance of the machine.

Not only family budgets in Germany are clearly calculated. Students and singles also know exactly how many monthly budget for which is calculated. Tracts are recorded, checks are going, and then carefully analyzed to identify unnecessary and extra spending. The book accounting book here is rather a rule than rarity.

3. Clothes and status

According to Germans, there are many important things that cannot be sacrificed for prestige, fashion and even their own desires. This applies to expensive furniture, technology, clothing, fur coats and decorations. These things are not essentials for the Germans.

The usual "average" Germans prefer the economy class in everything, ranging from eating and clothing and ending with furniture and appliances. The Burger will never come to mind to buy a car more than he earns in 5-6 months. If they buy things famous brands, then only on sales,

Therefore, many track sales, as you can. Sales here are powerful, and most of the Germans buy clothes at the time of them. And in the outlet centers, which tourists from other countries even come specially. Do not shy the Germans to walk in second-handers.

There is no coal of clothes, everyone knows what items of clothing and shoes are currently needed. Perform impulsive purchases exceeding their capabilities - not in the blood of the Germans.

Yes, the Germans are especially and do not seek to update their wardrobe. German can wear the same thing for years. And at the same time, it will absolutely won't be confused by what it may look old-fashioned or replaced. When, finally, things are bored, they are usually given to various charitable organizations.

They care well for their things so that they will last longer and chase more convenience and functionality than the fashion.

Even secured Germans are sometimes shocking simply. Things are bought little, but high-quality and universal. Speed \u200b\u200bpeople will rarely meet here, only if theater or concert hall has. Girls at high heels in the afternoon - usually a tourist or who are not yet accustomed to the German foreigners.

4. Products

The middle Germans are caught in the economy class supermarkets for all week and do not go there again until everyone is eaten. Products in Germany are treated with great respect. The elaborated food and the associated feeling of guilt can spoil the German all day. Sometimes even an expired shelf life ("because the chicken still does not smell!") Can not stop the Germans.

Before going to the supermarket, the Germans preliminarily draw up a list of necessary purchases (as a rule, a week ahead) - one trip (by car, bicycle or with a cart on wheels), one circle of shopping shopping on the list - and everything you need in the basket.

5. Water

The economies of the Germans on the water entered the legends: indeed, the German will never leave the crane during the cleaning of the teeth.

Yes, the water never flows in German apartments just like that when they clean their teeth, nor when they cook, nor when wash the dishes. Not only from saving money. The Germans are also important that in this way they "save resources." That is why, in most German apartments and houses along with the bathroom, as a rule, there is a shower - when people take a shower, they spend much less water than when they take a bath. And for watering, lawns collect rainwater into special tanks.

Washing washing also deserves a separate conversation. First of all, in almost every German family there is a dishwasher. And not only for convenience. If you load the dishwasher completely, and not "twist" it for the sake of a pair of plates, saving on water significantly exceeds electricity costs.

If for some reason there is no dishwasher, the dishes are made on very strict rules, which in the presence of German means it means to disappoint him very much.

So, the sink is clocked with a plug, type water and mix it with a special detergent. In this water and wash the dishes, and after that it is usually not rinsed, but simply put on the shelf of drying. And just try to indignant! You with typically German patience will be shown a label on the detergent, which indicates that the liquid is completely harmless to health, even children's. They believe it.

6. Electricity

Weighing expenses. In the year, the average German family of three pays for electricity 1200 euros. Therefore, expenses are trying to reduce consciously, while not causing discomfort - leaving the room, turn off the light, use the washing and dishwasher machines completely loaded. Energy-saving light bulbs, pans with a thick bottom, preserving heat longer and are heating faster. Microwaves are used to warm up food, and are ready to pay for household appliances more if they are energy-saving (with "a ++" and "a +" labeling).

To, the Germans use so-called. "Special Tariffs". At night electricity is cheaper, so washing and dishwashers include at night

Electric laundry dryer, which consumes a lot of electricity, includes only rainy days. If the sun shines, things need to hang on the balcony or in the garden, it is not worth a cent.

If there is an opportunity to do without light, they will cost, gladly lit candles, fully enjoying the cozy atmosphere and the thought of saved money.

7. Heating

In winter, German houses are heated only when it is already very cold. That is, at 10 degrees on the street they will wear woolen socks, but will not turn on heating.

At the same time, the temperature is carefully regulated: the living room warms an average of up to 20 degrees of heat, the bedroom - to +16 ... + 18, and 14 degrees of heat are often satisfied in the storeroom and the toilet.

8. Pfand

Pfund is a pledge included in the price of many bottles of drinks. Returning them to the store is not considered something amiss, it makes absolutely everything regardless of income. Drinks are bought by drawers, in which empty bottles are returned. On average, Pfund is up to 25 cents. To return Pfand there are also special machines in almost all supermarkets, before the cash desks.

9. "Flea" markets

The "flea" markets are a favorite entertainment of many residents. There are many of them in Germany. Such markets arrange every weekend in the cities, and in the villages several times a year.

Here you can buy not only old, but also completely new things that, for example, were broken down by the owner. The Germans are very loved by flea markets for three reasons. First, you can see a lot of interesting things, secondly, for a penny acquire good things, and thirdly, such markets extend the lives of things that is very important for ecology. But good ecology is a guarantee of health. Here is such logic in these economical Germans.

10. Bicycles

Germans and bikes are perfectly friends. More and more inhabitants of Germany have recently transplanted on bicycles. After all, this type of transport is not only eco-friendly, but also cheaper! The bike has many advantages and not a single drawback. A vivid example of multi-savings - on gasoline, at the cost of a car, on the travel and on the fitness center. And for ecology how much benefit !!

11. Made himself - it means saved

The Germans believe that the time spent on savings, equivalent time spent at work. That is why they try to do as many things as possible independently, whether it is cleaning, washing windows, manicure, repair, or decorative haircut of shrubs.

12. Travels

Germans love to travel. And to afford it, they also have to save. Tours in German agencies are booked long before the vacation. It is much cheaper. Here "in advance" is considered not for 2 months, as we have, but almost for the year.

13. Bonuses

The Germans are used, for example, in Germany's PAYBACK card or just a discount on the next purchase directly on the check, various points, points, stickers, sets of popular cosmetics, purchase gifts. Who is what is much.

14. The art of savings is not even in Germany. Therefore, financial Counsel - One of the most popular professions in this country. Consultants carefully analyze family expenses over the past six months - a year and recommend how to reduce them. They suggest, much better invest the released money.

And where do the Germans devour all the money saved?

They invest them in old age, to make a pension to enjoy high-quality and comfortable life.

The Germans appreciate the freedom of movement with the help of a personal car, massages, swimming pool and medicinal gymnastics, meetings with friends of youth, winter on the Canary Islands, good medical care and the feeling that life has succeeded.

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Life in Europe to us, the inhabitants of the post-Soviet space, and today it is often a fabulous, but now, when many of us visited Western countries, a fair share of bewilderment is added to the general admiration for the high well-being and level of behavioral culture. quite ordinary. Life is different there from our. Realizing this, it can be concluded that we, Russians, Ukrainians, Belarusians, are not quite Europeans. But it does not always upset.

Features of national psychology

What is common to Russians and citizens of other former republics of the USSR with Europeans, so this is the desire to live better. Just to this goal, we are not always one way. We understand that it is necessary to save, but these are the features of our psychologists that in the first place we have the desire to earn more, and the savings are already. Even the most poor people sometimes, yielding to a mental gust, can say "Eh!" And spend the last (or penultimate) money for something that I really want. The average European, probably, is also subject to such temptations, but for the centuries-old history learned to restrain them. He had a certain taboo that makes the concepts of "expensive" and "impossible." Especially clearly, these internal prohibitions are manifested in some visible and tangible examples.

Discoveries and coupons

They are in Russian supermarkets - stocks, coupons, discounts and bonuses. In the West surprises not their presence, but rather, the number and almost magnitude use. Several euro scenes made out on the removal of a preferential or prize kvitka from the purse that provides a discount to the next purchase, seem to be trifle, but the Germans, Belgians or French are not neglecting them, in fact, proving that a penny ruble coats. Buying a new razor blade cassette, the European will not forget to grab with them spent, which, of course, is very commendable, as it reduces the amount of garbage, but the main goal is still not ecology, but saving. Having learned that the acquisition of something entails a decline in the price of another product, the western resident thinks, and our compatriot most often takes what he needs, or at least what he wants. The time spent on the collection of coupons, their sorting and makes it near the box office, we are sorry for money than money.

Tourism and rest

What to say, Europeans go abroad more often Russians, not to mention the Ukrainians. It is possible that it is the rarity of vacations conducted in foreign resorts that provokes the tides of merchant generosity and the desire for luxury. I want to "shick", and this temptation is almost impossible to overcome, except when there comes the moment "there is no money at all." Another thing is Germans. They are all calculated, and the unexpected seizures of waste can not be expected. The family stops at the mid-level hotel, where the service is good, but it doesn't even think about some "multi-issue", the main thing is that everything is inclusive, including three meals. If the traveler is one, then it often chooses a hostel, in which the conditions of habitat are provided rather than life. He goes to see Paris, and not in a luxurious room, and we must pay tribute to the Europeans, they achieve their minimal costs.

Hygiene

In fact, the cult of daily washing the head by Europeans tried to instill the Americans after World War II, and they did not really succeed. The habit of take a shower in the mornings and evenings of the Germans alien to the Germans and in general residents of the old world. They are not so dirty, but also to call them difficult to call them. Water, especially hot, is expensive, and this is exactly what is the main deterrent. Therefore, they should not be surprised by the appearance of Parisians, who are considered the benchmark among our women, they may not be good in their own way, but often go with a unwashed head for several days, which leads to memories of the history of the bunny culture to Europe from the East.

Cold

In winter, European apartments are cool. We, accustomed to walking at home in something light, suffer from this local characteristics, complaining and get the Council to dress warmer. Actually, the Russians are not used to the frost, but it's on the street, and not in the apartment. The French are worth it tolerated this discomfort, and not only they. Sit in winter houses in socks, warm flights and sweaters - for Europeans, the usual thing. And if there is a fireplace, there are no problems at all, you can warm the legs near it. Romance, in general. And in the bathrooms there may be a mold, and black, it is formed from the condensate of moisture, it is possible to remove it, but it is not suiced, and with it the middle-class representatives are submissive.

Food

For a long time in Europe, our compatriots are often indignant by the scarce of the diet. "They buy carrots and come with her all day!" - This has to hear from the tasteless French, Swiss and other Western generotes. No, Europe does not starve, it would be too, but she saves all the time. Actually, there are many ways, and some of them have a completely rational or even patriotic basis. Buy not local wine or beer, there is foreign cheese or imported sausage is not very clever, if there is its own, also good and tasty. The same applies to seasonality of agricultural products. Winter tomatoes on the market are presented, but are not very popular. National Kitchens, such as Italian, Austrian or German, traditionally take into account the possibilities, and not wishes, so in them an honorable place is occupied by meat with potatoes or potatoes with meat (this is still Maupassan noticed).

Prestige and law

Economy in Europe is more important than prestigiousness. According to the car, middle-class representatives do not judge each other. The concept of "steepness" is missing, and it would be a very good role model. A very good and highly paid specialist, a doctor, a lawyer or professor, absolutely not suffer from what they have old cars, if they are working, economical and perform their main function to deliver the owner and his family to the right place. The same applies to the clothing that is attached to us. Parking spaces are strictly observed, and not because of some special innate national trait, just it hurts to be hit in the wallet area. The same applies to the garbage. In Paris, it is impossible to throw papers inside the metro stations, and coming out, you can already, and this is safely used, which is especially annoying in the summer when the wipers go on vacation.

About her and loved

But the most important thing in European life, which is surprised by ours, it is not even a savings taken often for greed, but the fact that its need is quite tolerant. The inhabitants of France, Italy, Germany, Austria or Switzerland quite like that of the way they are accustomed to, and they are most often indignant to the fact that they are not enough money for something, but by changing the usual position of things. The traffic jams on narrow European roads (not autobahn, but within the city) are considered to be ordinary, and no one will even think to pass around them in the sidewalk or band allocated for public transport, as often done with us, and with loud signals and indecent shouts Add to the gone passersby. No one is surprised at a modest treat on the table, coming "on a cup of coffee", whereas for us to this invigorating drink it is necessary to submit everything that can offer a warm owner. The schedule of breakfast dinner dinners in the European café is observed strictly, and this is also familiar to the daily use and confirmed in addition to the logic and the requirements of trade unions. No, scolding the old light is not for. Europeans love their world. And we still have to learn a lot. Nothing, God will give, learn ...

I know the family, where even a two-year-old child is accustomed, touching the washbasin, unscrew the crane handle to the extreme right position (cold water) so that the column does not turn on the kitchen.
I know the family, which has an average temperature in the apartment in the winter - 13-14 degrees, and the hostess once a week warms up in the sauna at the pool.
I know the family where the hostess enters the kitchen only in winter boots. I think there are many such families, and me.

But it is still, rather extremes. Personally, I go home in a T-shirt (although I can remove). Batteries blurred, aluminum windows changed to plastic, the technological hole in the kitchen embossed. Yes, and winter this year in Santiago is pretty soft. Sasha bathes in the bathroom, not turning off the water (it is impossible to teach), the remaining family members use the shower. The heating includes, as a rule, at an hour in the evening, when we put Sasha, for an hour in the morning, when you need to get up. If the window is below +10, leave heating overnight. An account for gas in two months January-February is waiting in the region of 200 euros.

On the middle "Hospital" approximately next. This is what typical Galicia says.

"Oh, the Russian reader is easy to scare, for in Russia there is a lot of comparison central heating, everyone is used to roaming in T-shirts in winter around the apartment, and the windows. And it is worth this pleasure relatively inexpensive. They do not understand.)

I, when it moved here, the first years was very hard materially, I had to save all the money, there was not enough money. So I got used to.) Well, the awareness woke up to a careful relationship not only to your pocket, but also to the environment. Fully got rid of the harmful habit of leaving the unnecessary light in the rooms, do not leave an open tap with water without need. Light bulbs - energy-saving, class A + technique

I live alone now, so in the summer almost always my plate and a saucepan with cold water, in the winter, it is still more often hot.

Heating. Nail program. I have a gas heating now (last year I changed around the house). The counter is in the apartment. When cold - turn on. I know that if you do not turn off at all, then it breaks about five euros for about five years, that is, 150 euros per month. It is not ready for this, and it is not necessary to me - it happens too hot in the apartment. In a sweater, I do not sleep, but I go in it (when I'm talking to Russia, everything is surprised as we are cold) and what is me, poor, not in a T-shirt). Without heating, there is 16-17 degrees in the apartment, with heating 19-20.

Heating turns on at least six hours, otherwise it is not profitable, the counter turns more at the beginning, then not so fast.
For the night I do not leave the included ever (once left for the experiment for a day, it was very hot to sleep).
I want new windows, but so far nothing. By the way, the junta announced another material assistance to the population in this noble business.

That is, of course, I save, but without fanatism. How else? Will not stay on trips)
For several days no longer included heating at all, glanced for interest the temperature in the apartment - 17 degrees.

I have friends - the Russians - spent 600-700 euros every two months on the heating of the house in winter in Santiago. "

It was a story of Galiyski, and that's what Rimma writes domashnyaya. From his sunny Alicante:

"When we just arrived in Spain, we were very cold for the first winter, we burned the oil heaters around the round day, paid huge bills for electricity and tried to warm up. But soon realized that our homes were not designed to get them, the circle of the gap - in the doors, in the windows - everything warmly disappeared, and it is necessary to stick all the cracks, the condensate, humidity accumulate on the windows immediately and smells the dampness.

Then we began to look closely to the Spaniards, watching the winter they spend. It turned out that it is not necessary to trample, the main thing is to dress warmly and open all the windows. Surprisingly, but as soon as we began to do it - we walked! Now we do not turn on the heaters in general for the last three years (they sold all their 5 heaters in the flea market), we buy all the very warm blankets, warm pajamas and warm slippers before winter. We spend more time on the street, on the terrace, on the balcony, where the sunshine, drink tea and something stronger - shorter, now we are not afraid of the Spanish winter .... "

y_XYLU. Adds from Zaragoza:

"We are accustomed to the winter in a house in two sweatshirts, warm pants, and most importantly in thick socks and very warm slippers on a thick sole. I had a couple of 5 different sneakers for all seasons, of which 3-4 were warm in varying degrees. (To be honest, then in the Moscow apartment is not much warmer). Of course, the windows without slit is the most important thing. In Zaragoza, it is very dry, and if we open all the windows in the winter, the wind will take into some kind of country of Oz. Because all Spain is different, five climatic zones, as-no. But even with such a cold house below 14, it was not lowered (and only after a multi-day lack of winter), and usually in the morning 16-17, in an hour he was heated in the morning, then sometimes during the day (we mostly worked at home), hourly two in the evening Also basically to lay the child. At night, it was not treated - not so much of savings, but from meaninglessness. It became stuffy, but not warm. In general, many there are buying all sorts of electric sheets and electric blankets, well, we liked the simplest - the heater in bed."

In general, I will summarize. If you need hot batteries and open windows in winter, it is best to live in Russia. And save on something else :)

P.S. Hotels Book

Today we will talk about how the Europeans save, since this information may be useful to novice investors who wish to accumulate initial investment capital. Everyone knows that the EU residents belong to their own money are far from our compatriots. All those who studied and worked in European countries were convinced of this. It would seem that the EU standard of living is higher than in our country, and residents of European states may not save, but in fact it is not.

Most EU citizens in everyday life are very converging towards their own money. Next, we will try to figure out in detail how the Europeans save.

How to save Europeans. Main methods

It should be noted that the EU residents invented a huge number of ways to save. As an example, you can bring the cost of utility payments. To reduce this cost of expenses, Europeans prefer to acquire powders, as well as detergents for the use of which are not needed hot water. Thus, they can wash the dishes in cold water, thereby reducing the cost of hot water.

To reduce the cost of water supply, most EU residents prefers to wash dishes not under running water, but in a special pelvis or sink.

Special attention deserves the fact that a substantial part of Europeans prefers to use a variety of membership cards that make it possible to receive serious discounts in stores and cafes. At the same time, it is important to note the fact that many Europeans do not dine in a cafe, but bring home food to work.

Another method to save its own money that most Europeans applies, are various shares in supermarkets. Thanks to these shares, EU residents have it possible to get almost free food. Next, we will focus in more detail on the traditions of savings, which are common in different states of the European Union.

Savings in Germany

Even against the background of other European countries, the inhabitants of Germany are considered very careful. Almost all residents of this state postpone about ten percent of their earnings for the future. Thus, they create a peculiar airbag that will help them in difficult times.

Before going to the store, the Germans always make up a list of planned purchases. At the same time, the inhabitants of Germany almost never acquire the goods and the products that they initially did not contribute to this list. Thus, they protect themselves from impulse purchases, and, consequently, from extra costs.

Most of the inhabitants of Germany were accustomed to save not only on food, but also on the items of clothing. Most Germans are not ready to overpay for branded clothing objects. Instead of acquiring brand clothing in the boutique, most Germans prefer to wait for sales and acquire the thing you like at a lower price.

The inhabitants of Germany are much more than other Europeans saved on utility services. For example, they prefer to use dishwashers / washing machines only after sunset, since during this period the cost of electrical energy is significantly lower. For the watering of the lawn in front of the house, the Germans use rainwater, to collect which special tanks are used.

Residents of this country love to save on heating. They include autonomous heating systems installed in their homes only after the onset of serious cold weather. At the same time, they support no more than +18 degrees in residential premises.

Savings in France

According to the existing statistics, the residents of this state are very like a variety of sales. Some French are even taking the round at work to purchase things with discounts up to 80%.

A rather interesting French tradition is to find travelers. At the same time, the French are looking for travelers not only for distant travel, but also for travel to the store, etc. Such an approach makes it possible to significantly save on gasoline, as travelers share its value equally. Like the Germans, the inhabitants of France also accustomed to save on utility services. Many residents of this country for the purpose of saving take the bath no more than once a week, and all the rest of the time they prefer to use the shower.

Savings in Sweden

Everyone knows that in Sweden the highest amount of taxes. For this reason, the inhabitants of this state are accustomed to save almost all. Most Swedes acquire clothes only on sales, and use it for a long time. In addition, the old clothes they try to sell on specialized Internet resources.

In addition, after the achievement of the thirty-year-old age, most residents of this state begin to create their own pension fund. A certain part of the monthly earnings they are used to replenish this fund.

Each nation has not only cultural traditions, but also their ways to save. People save in different countries in different ways, but there are general expenses of expenses, both in the Germans and the Chinese. All spend money on food, clothing, utilities, transport, or entertainment.

In the context of the financial crisis in the countries of the world, the issue of preserving money is especially acute. Savings are not prerogative of the poor. Representatives of the middle class, even rich people with caution relate to excess expenses and enjoy the rule "saved - it means earned."

Around the world, the Germans are considered the most leaning nation. Savings are hidden since childhood: every little German has a piggy bank for personal savings. The high organization of life allows you to control everything, including finance. The Germans keep checks, conduct spending. Adult inhabitants of the country postpone 10% of the monthly income on pension insurance, the content and training of children.

On average, the expenses of the German family in relation to the revenue part can be represented as follows:

  • rent 35%;
  • food 30%;
  • loans payments 12.5%;
  • insurance 5%;
  • gasoline, repair work 10%.

The smallest expense article is clothing. The inhabitants of Germany take care of all their things. They will wear one and the same jeans, shoes for several years, and subsequently give them to those in need. They do not seek to buy new household items. In Germany, there is nothing to use the furniture of his grandmothers, ride a good old car.

Special economy Germans show when it comes to different housing costs. To save electricity, the washing machines are turned on overnight, since the tariff is reduced at this time. Use energy-saving lamps, dishes with a compacted bottom, try to buy only energy-saving techniques, even if it costs more.

Electrical appliances that do not use, turn off the outlets. Thus, the Germans save about 100 euros annually.

Heating is included with the onset of frosts, the house is always cool. Prudent hostesses prefer to wash the dishes, filling the sink, and it is not necessary to rinse it - because the detergent is not toxic. For irrigation of lawns, rainwater is collected - watering them from the hose is considered wastefulness.

The Germans have not taken to visit. Meetings with friends, like dates, pass in a cafe, where everyone pays for himself. At home, only very significant events are celebrated. And the invitation to tea or coffee should be perceived literally - cookies and sandwiches are hardly attached. Drinks in Germany take drawers, and then they also return bottles in special reception or automata.

It not only saves residents of 25 cents per bottle, but favorably affects the environment. Preferring not to spend extra money for the services of masters, the escaped owner trifles the lawn, will wash the car. It monitors the shares and sales, is ready to go to the other end of the city, if the benefit from buying there will exceed the cost of the road.

The Germans are ready to post large amounts only on the services of financial consultants, because in Germany they are real specialists, and will prompt how to optimize the family budget and increase savings.

Sweden: investment in the future

Sweden is a fairly rich country, but the nature of taxation and the cost of utility services make people live very modestly. The tax deductions of the Swedes reach 60%, and 20% of income takes place for housing. And yet they manage to postpone money on a cumulative account to their children, which becomes a gift to achieve their majority.

They invest money in securities, which also serve as an excellent gift. The purpose of saving the Swedes is investments in the future of their children.

Regarding Swedish life - save on everything. The average resident of the country does not have a washing machine. At home (often in the basement) there is a common machine where all the inhabitants are erased. There are several washing machines in apartment buildings, equip the shopping facilities with ironing board, linen dryer. The wash is recorded in turns, and they are mainly shirt and suits.

Things are buying on different sales, wearing carefully, and then sold over the Internet. Little Swedes Parents teach independently writing ads for selling their clothes, toys, unnecessary things.

France: Saving with taste

As in many European countries, high taxes and payment for housing in France. The French are able to competently dispose of their income, know how to save savings. They are monitors, selling shopping in advance, and to buy goods at a discount, can take rid of work. On clothing, fashion legislators spend only 9% of income monthly, and general expenses such:

  • nutrition 25%;
  • utilities 20%;
  • transport 15%;
  • clothing 9%;
  • medical services and entertainment 5%.

What the French do not save, so it's on food. The fourth part of the family budget is spent on food and good wine, although prices are here below than in the neighboring Switzerland. Products inhabitants of the country buy high-quality, refuse different synthetic semi-finished products, vegetables are taken in small quantities.

Before closing the market, sellers reduce the price of the goods, so basic purchases are made in the evening. Shopping prefer to ride with friends, neighbors.

Here for the first time began practicing COVOITURAGE - take companions to reduce the cost of the road. For this purpose, entire sites have been created that have gained international importance.

And here are the French at home. We visit mostly free events: street concerts, exhibitions. Vacation prefer to spend in campsites, without leaving the country.

England: Moderation - Successful Success

The British ways to save no extravagant or excessive conservatism. But some of them are forced to smile or think. For example, so as not to spend excess electricity, they turn off the doorbell when they leave home.

Most of the British does not water the hose lawns: the use of watering can for these purposes reduces water consumption. In addition, taking a shower, the British do not rinse with themselves soapy foam, but simply wip the towel. Recent years, anti-crisis online shopping is particularly popular in England: they sell overdue products with a huge markdown. Some British buy food there.

Japan - Country of Traditions

The feature of the rising country is the limited area and resources with a large population, therefore, since ancient times, the people of Japan saved space and resources. Modern Japanese saved as they can:

  • Japanese washing machines do not have the functions of water heating - things are erased in cold;
  • There is no centralized hot water supply in the country - only cold and heats up with gas. Since Japan is not in vain considered a country of high technologies, in order to save items, the device was invented. It fills the water with air. The manufacturer assures that this allows the average family to reduce water and gas fee for water and $ 180;
  • The Japanese are clean every day, but in one water. Previously take a shower (no more than 15 minutes), and then take turns take the bath: husband, wife, children. The next day, water is heated and used again or erased underwear there;
  • Some residents in the morning use the public toilet;
  • Food Japanese hostess buy together with neighbors and friends on wholesale bases, using evening discounts;
  • Over the past decade, the cost of housing has increased in Japan, so an ordinary employee cannot afford an apartment in the city, and to get from the suburbs for 2-3 hours. Capsules hotels won great popularity: the room has a bed and a TV, cost - $ 25 per night, but if you can book a room for a week - you can save.

Budget planning here is not a family business .

A man in Japan, making money, gives them a spouse that leads the book of income and expenses, distributes money at its discretion, even gives pocket husband. A quarter of income will definitely fall on a deposit or insurance policy.

Japanese experience of home accounting has gained wide popularity worldwide.

China - country of paradoxes

Paradoxically, but for several decades in many countries, the Chinese are considered one of the most economical nations, and at the same time the most wasteful. The lion's share of delusional things is bought by China, the rich citizens of the country spend the breathtaking sonsis on luxury items. But the middle class, which makes up half of the population of the Middle Kingdom, is forced to further refuse themselves.

The modest lifestyle allows the Chinese to postpone 30% annual income. There are cheap domestic furniture in their apartments, resting to Russia: the difference in courses makes goods in Russia almost two times cheaper than in China. The cost of food is low. The Chinese can afford to dine in a cafe. Especially economical buy street food or cook noodles at home.

Free medicine in China does not cover the treatment of serious diseases, so the Chinese are watching their health. Allows you to save registration - it gives the right to partial payment of medical services, assistance in inspection for sick parents.

In short, the secret of Chinese economy is minimal amenities, modest clothing, food and a healthy lifestyle.

America: always rely on yourself

Americans teach their children to count only on themselves. With the birth of a child, they open a deposit account in his name, postpone money on education. Upon reaching the age of majority, young Americans go to their dear, knowing in advance that they do not have to rely on the aid of the state.

In addition to obligatory deductions, civilian citizens make contributions to non-state pension funds, invest money in different projects. An apartment, as in Europe, can be purchased only in the mortgage, but in the States without positive credit history it will not be approved. Therefore, the Americans take many small loans, and the payment of interest is the main article of the country's family budget expenditures.

Savings in the United States turns into the game: they are looking for where to buy goods cheaper, divide discoveries with friends, diligently cut discount coupons from magazines.

In the summer, owners of private houses rent rooms to foreign students, and cars are not changed by decades. On clothing in America save, without thinking: a cheap T-shirt and jeans for $ 15 will fully fit the average American.

Australia: save and care about the environment

Australians are worried not only about their family budget, but also on ecology. In 2004, the Kangaroo Zone was created on the mainland - the first zone where they abandoned the packages. For purchases, use reusable bags made of fabric. Such analogue packages withstands up to 20 kg of weight, it is used for years.

To save electricity, inventive hostesses have found a way to use the iron. Next to the shower on the hanger there is a shirt, and while they are clean, the couple smoothes the folds. Australians, like the Germans, turn off the outlets unused electrical appliances: save the consumption of "excess electricity".

Korea: Forced savings

The economic situation of Korea leads to the fact that many residents of the country refuse heating devices, use other methods of heating. The ingenuity of Koreans comes to the absurdity. One resident of Seoul in his house put a tent and slept in it. Having learned about this, many residents of South Korea took its weapon method, thereby saving on heating.

But the women of North Korea do not buy white shirts husband, because non-ferrous is erased less often and it saves washing powder.

conclusions

Statistics show: usually people save on clothing and food products, refuse to buy expensive equipment, carefully consume electricity, water.

Many nations, art was transferred to the money from generation to generation, and today these habits are so entered into the way of life that they are perceived as proper.