by Yana Borshchova
How volunteers ae dealing with a budget
Coming to a new country, finding yourself in a new society and cultural environment, it is difficult to navigate immediately and switch at the click of two fingers. The volunteer is not paid, it is not an official job. However, the Erasmus program provides volunteers with free housing, including all the costs of living in an apartment, the volunteer receives a certain amount for food and other expenses. But how to dispose of this money correctly, to have just enough for everything?
Budget savings must become an important financial habit
The first thing to remember: the economy is not the worst thing in life, but on the contrary, a very important and necessary phenomenon. Saving will help you to competently, intelligently and correctly control and distribute your expenses, abandon harmful food and habits.
First of all, you should check the cost of products in different supermarkets and choose the best options. For example, in Turkey, the cheapest supermarket is A101. BIM is kept at the same price level, and the quality of the products is much better than of the previous store.
Do you want to buy the freshest and most delicious products? Go to bazaar! Ankara is full of them. Each of the local bazaars works once a week in a certain place. Barking shouts of sellers and persuasion of buyers to get a discount are mixed in this place and time stops there. Sellers are running around buyers, and buyers are trying to squeeze into the first rows to pick up the best product from the counter. Coins clinking and the rustling of hundreds of packages. The epicenter of life and all the colors of Turkey is here ☺ Do not forget to bargain! There’s no shame in that. The best time for the market is in the late afternoon. Then sellers significantly drop the price, trying to sell their goods as quickly as possible.
The surest way not to spend more than you have is to calculate the budget for each day of the month. For example, you get 1000 liras per month, so you should put a limit of about 30 liras per day. Do you want to save money and use them for traveling? Limit yourself to 20 Lira a day, then to have 400 Lira in your pocket at the end of each month.
Since in Turkey here’s lira, and our “salaries” we get in euros, it’s important to pay attention to the currency exchange offices. Before you change a significant amount of money, go through a few to determine where it is most profitable to change money. At first glance, it may seem that the difference is small, but changing large amounts of money, the difference becomes more noticeable and that money can be used in the right direction.
After receiving the money, try not to spend them all in the first hours. Do not buy things rashly, better – make a list of all necessary purchases and follow this list. Believe me, it’s great to spend the first week imagining yourself as a rich person, but after there’re 3 more weeks when you have to try very hard to survive with the rest after the first week.
Get yourself a piggy bank. After returning from the store and having a bunch of coins in your pockets, just drop them into the piggy bank. This will save you from the annoying sound of coins and help you to be even quieter and more inconspicuous.
Keep track of promotions and discounts. Very often, shops arrange sales, where you can grab things in the truest sense of the word –for a penny. Check your favorite clothing stores from time to time. It is possible that during the next campaign, you can buy a coat that you have long dreamed of, 3-4 times cheaper than before. However, often the low price means poor quality or overdue goods. Carefully review the item for stains, check the date of manufacture of products and the tightness of the package.
Save on bad habits. Try at first to be limited to a pack of cigarettes for a few days, when yesterday you smoked it for the day. Over time, limit yourself more and more. This will also help you to keep you healthy.
Following these simple rules, you will not only prevent spending extra money but also save for the future.
by Yana Borshchova