If you decide to start saving money – please accept my sincere congratulations, and no matter for what purposes do you collect money, the main thing that decided. And, thinking – do not delay the beginning of the next year or the month, start today, right now. Or at least tomorrow, if you read this evening. Open Urgent bank account and put on this part of the funds available to you today. According to experts, and confirms my experience, completely painless can distinguish 10-15, if not all, 20 percent coming into the family budget funds. Be sure to check – account must be replenished.
Why today and not in a month? Do a simple calculation. Let's say you put 1000 rubles on popolnyamy account for 10%. Let's say, interest is monthly. Then a month later you will have: 1000 + 1000 / 100 * 0.83 = 1008.3 rubles, where: 0.83 = 10 / 12 – the rate of one month,%. Assume the same month you are to report to this effect in 1000. Then, on the basis of the second month will be: 1000 + 1008.3 + (1000 + 1008.3) / 100 * 0.83 = 2024.97 rubles. Next calculation is performed according to the formula: 1000 + Answer + (1000 + Answer) / 100 * 0.83 where: Answer – the result of the previous month, rubles. After six months the account is 6,176.73 rubles a year – 12,667.51 rubles in 10 years – 206,072.70 rubles, after 15 years – 416,378.72 rubles.