There are various ways to deal with money, and while economists strive to build theories about successful financial behavior, individuals can pay attention to other, less well-known aspects of dealing with coins, banknotes, and credit cards.
The author Andrei Sky offers in a report published by the Russian "FB RE" site some tricks and innovative ideas for dealing with money, whether while saving or spending it.
Cache of money at home
Many fear that depositing money in the home may be dangerous and expose them to theft, given that this idea is outdated and consumed, but in reality there are some new ideas that do not come to mind, such as hiding money inside the door handle or in the container in which the pills are placed at home Like a plastic can in the kitchen.
Getting rid of major cash groups
This psychological trick is to divide large banknotes into lower value categories, in order to better control expenses, for example, you will not have to take the big value - which encourages you to spend more - when you go shopping for some simple purchases.
Wet banknotes
This incident is repeated with many people, but there is no need to panic, as the wet banknote can return to its normal state, and better yet, it has undergone a process of cleaning up germs and pollutants, and the most important thing is beware of damaging the paper when it is wet, where it can be suspended Outdoors or placed under the iron after being wrapped with a piece of cloth or newspaper for protection.
Damaged banknotes
Sometimes a unintentional chopping of a banknote may occur, or its color changes after washing it by mistake, but there is no need for despair, because the bank will accept this banknote even if part of it is burnt or worn out or it has adhesive or writings on it, the important thing is that the ratio At least 55% of this banknote is in good condition, and the same is true for coins, but only if 75% of the coin is present.
Banknotes not exchanged by the bank
You cannot go to the bank and ask to exchange banknotes with new ones if the writing over them is completely erased, or key signs such as their value, serial number, and central bank seal are absent.
Payment method
Plastic cards have become widely spread today, and they are the best and practical solution for paying and calculating your expenses, but they involve a major disadvantage, when we pay with the credit card we do not notice the true value of the money that we spent, and the money becomes just default numbers for us, which encourages us to spend more, and in On the other hand, paying with banknotes helps us track our expenses significantly. However, the credit card has many advantages, among which it is safer against theft.
Remember the password
If you have many bank cards, you may sometimes encounter an embarrassing situation when you are in front of an ATM or are in the process of paying in a store, by entering the wrong secret number, these situations can be avoided by writing the secret number on the back of the card, and this idea may seem from the first sight Unreasonable, because this number is easy to steal, but in reality the number can be written with changing it in a way that only you can understand, such as dividing numbers by two, multiplying by two, or adding one to each number.
An important and profitable base
In order to obtain a profitable deal you must be able to barter, and one of the most effective rules is a quote consisting of a complex number, meaning that instead of offering exactly one thousand dollars you must offer 980 or 1020 dollars, in this way the opposite person will think that you You have calculated and know the value of the good and are not willing to offer more.
"Thirty thirty twenty" rule
This is one of the principles of good behavior in the budget, which is to divide the monthly income into 50% for basic needs such as bills, rent and food, and 30% for luxuries such as entertainment, buying new clothes and travel, and 20% for savings.