How to save up and earn money for an apartment from scratch: TOP-13 ways + real examples of saving money for an apartment

Hello, dear readers and subscribers of the business magazine site. Your own apartment is a guarantee of independence and scope for many actions. In Russia, the housing issue is quite acute, many people, even after 18, continue to live with their parents for a long time.

In the article, we will consider how to save up and earn money for an apartment in 1-3 years, what should be followed and what should be avoided.

From the article you can learn real ways how to save up and earn money for an apartment and where to start + examples.

How to save up and earn money for an apartment yourself in 3 years and a year: expert advice

To achieve any results faster, you must first familiarize yourself with the experience and advice of previous people. This section contains tips that will help speed up the accumulation process.

No. 1. Get Organized

It's not hard to save up for an apartment. The main thing is to learn how to organize yourself: work efficiently and save money. These 2 most important components allow you to achieve any goals in 3 years, not only to buy real estate.

Self-organization includes:

Improving work efficiency;
Cost control;
financial literacy;
Time management;
Smart investment.

This minimum set of skills allows you to save up for an apartment faster and generally improve your financial condition.

No. 2. Change your mindset

The rich get richer, the poor get poorer. All people are initially the same in terms of capabilities, the question is who knows how to think and act correctly. In this section, we will write down the habits that need to be eliminated and that need to be acquired.

Get rid of:

Bad habits. Smoking and drinking takes a significant part of the finances. This also includes clubs, cafes, bars, etc.
Pessimism. Entrepreneurship is a risky business and it is impossible to do without mistakes. In the end, only prudent optimists who do not give up after the first setback win.
Uncertainties. If you want to achieve a result, first plan everything, then act decisively and without stopping. Only in this way can success be achieved.

Learn to:

Analyze your behavior and spending. Any mistakes can be avoided if you learn to evaluate the actions performed from the outside.
Planning. Any successful business owner will tell you that it all starts with a simple to-do list for the day. Just a list of tasks increases productivity by 25% in 5 minutes.
Regular sports. Daily exercise increases brain productivity and reduces stress, which allows you to make more rational decisions. Just jogging 30 minutes a day is enough.
Reading books. In any work there is a useful thought and message. Just 10 minutes a day every day will leave a significant residue for the future.

In general, if you learn these 4 skills, you will notice that you have become much more productive. And financial enrichment first of all begins with the expansion of knowledge.

No. 3. Create strict rules and don't break them

Every family has difficult moments and behavior during this period affects monetary stability. One of the easiest methods: make rules for yourself and strictly follow them. For example:

Do not go to the store without a list;
Always keep a record;
Plan costs;
Do not take money from the business budget;
Do not spend money on unnecessary purchases;
Always set aside 10%.

Everyone must make a list of restrictions on their own and. This not only disciplines, but also helps to significantly reduce costs.

No. 4. Take action, stop sitting idle

Many of the readers after reading will light up the idea, plan something and forget. Such people never achieve success, if there is no action, then the result is also missing. All the methods read will only really work if they are followed.

No. 5. Do not listen to envious people and do not be afraid of mistakes

In the early stages, it will seem that the task is difficult and overwhelming. It happens to everyone, for sure there will be pessimistic friends who will try to dissuade or lead you off course. To buy an apartment, you need to save

No. 6. Don't be lazy

At the end of the article, a way to achieve the goal is described. In the end, it all comes down to devoting 1-2 hours a day to additional activities. If you spend time on extra classes, then there is no point in talking about any additional earnings.

No. 7. Save, but don't forget to look for new income

Saving is a useful skill and can help you save up to 50% of your costs. But if you want to achieve the best results, learn how to save and increase income at the same time.

6 working ways to earn money to buy an apartment for young people.

How to make money on an apartment: TOP-6 ways of modernity

There are various ways to buy without a mortgage. Each of them will lead to the final result, you just need not to quit.

No. 1. YouTube

Video hosting has long moved from the category of entertainment to a large platform for the production of media content. According to statistics, after 1 year of hard work, a blogger reaches 15-50 thousand rubles a month.

The main task in this business is to guess the direction and interest the audience. There will be spectators - there will be advertising. For effective channel development:

Think over a content plan;
Release videos regularly;
Improve the quality of the material regularly;
Advertise;
Look for sponsors.

Find your niche that will be interesting to the audience. How to run a business on YouTube is a separate topic of the article, but in general it all comes down to attracting the attention of the public and retaining views.

No. 2. Instagram

The media personality develops simultaneously in many sources. Instagram bloggers get no less than others, already with 10-50 thousand subscribers You can earn money from commercial posts. As a rule, Instagram is promoted simultaneously with another source of income.

According to statistics, advertisers consider $1.5-2 per 1000 subscribers to be the norm. Based on calculations with 20 thousand subscribers for one post, we get $ 40, which is about 2000 rubles. For a month 4 orders and 8-10 thousand in the wallet. The main thing is to learn correctly, choose advertisers and communicate competently with the audience.

No. 3. Freelance

Volunteer labor is quite profitable and stable. Most in demand on the Internet:

Designers;
Programmers;
SEO optimizers;
copywriters;
Site administrators.

It is enough to devote 1-2 months to learning a specific task and you can enter the exchange. Master the skills of website administration or backend development and you can significantly increase your income.

No. 4. Investments

Big millionaires do not work around the clock, part of their income comes passively. Investing for 100,000 you get 1000-5000 monthly. But the problem is that in order to start, you must first accumulate finances.

No. 5. Resale of Chinese goods

Simple and effective method: buy goods abroad and sell at a higher price. The question is that you need to learn how to sell and negotiate with suppliers correctly.

No. 6. programming

The 21st century is a time of active development of technologies, there are not enough programmers and there is a great demand for them. To become a specialist, you need to graduate from a university, but a month-long course is enough for a freelance exchange, and then it’s a matter of practice. The main thing is to be able to find customers and do a good job.

In the field of programming, a simple rule applies. The more skills, the higher the pay. They don’t look at education, practical skills and experience are more important.

No. 7. SMM, SEO and online marketing

The Internet has become an indispensable part of modernity. Sales are carried out through a global network and, according to statistics, they bring excellent income. But competition in the market does not allow anyone to get into the sphere. Therefore, companies need specialists who will bring their product to the search results, promote accounts and increase sales.

How to save up for an apartment: TOP 7 working ways to earn money for housing

The above methods are related to modern methods, they appeared relatively recently and are far from suitable for everyone in terms of nature and area of interest. Therefore, we suggest that you familiarize yourself with the methods that have been tested by time.

No. 1: Mortgage - easy, but long to pay

If you need to quickly move to real estate (no place to live and work), then a mortgage is an indispensable item.

If so, look for additional income. Regardless of whether you are coping with payments or not, finances will in any case be needed to close the debt.

No. 2: Rent someone else's housing

The method is similar to the resale of goods. We find someone else's housing and conclude an agreement with the owners. If the condition of the premises is good, then we immediately deal with resale. In another case, we first repair, create favorable conditions and rent out housing.

No. 3: We develop our business within the city

The Internet occupies one of the leading positions, but people need to eat, fix equipment, etc. Engage in the development of your business within the city of residence, and the Internet will be a great addition to attract attention.

If there is no money to start at all ( You need at least 50-100 thousand.), then you need to start with the service sector. Exchange skills and knowledge for money.

#4: Own website

The information business is completely dependent on advertising, from one blog you can get $ 1,000 per month. But such income is possible after hard and regular work: choosing topics and filling content. The process is not complicated, but the blog will start generating stable income in 6-12 months.

No. 5: IIS

Many people are interested in how to earn money for an apartment without having their own. If you don’t have your own real estate, then you need to save on it. As you know, banks offer deposits at 6-7% per year. Given inflation, these percentages are not enough to cover costs.

The government goes to meet citizens, they offer to issue and receive a tax deduction in 3 years. More about this was written in previous articles. Unlike a bank, you invest in shares of companies and receive dividends from this, a yield of 10-15% per year is considered the norm.

#6: Trading

Professional stock trading allows you to get rich in a short time. But for this you need to learn how to analyze stock exchange charts and predict the course movement. Unlike other investments, a trader works with small amounts, but for short periods: days, weeks.

According to statistics, 90% of traders lose their initial capital within 3 months. This is due to haste and unwillingness to analyze risks in detail. If you want to become a trader, take 2-3 months to study the techniques and methods before entering the exchange.

No. 7: Seasonal and situational business

Within the city, the entire service market can be occupied on a permanent basis. Instead of competing with the giants, it is easier to make a leap in the seasonal direction. In June, an entertainment agency, in September, stationery sales, etc.

Is it realistic to save up and earn money for your apartment if there is no housing and no mortgage

The above methods are known to many. But the question is how to use the knowledge gained. For a preliminary calculation, let's take the amount of 3 million rubles, with this money you can buy normal apartments.

Option #1: Term for 1 year

There are 365 days or 12 months in total, which is approximately 52 weeks. Therefore, you need to set aside 250,000 per month. For most Russians, this is an unbearable amount, and it is difficult to reach such money in 1 year. And any business after 1 year is just starting to reach a stable profit and recoup its costs.

Option #2: Save up in 3 years

It is extremely difficult to accumulate in 1 year, especially without preliminary savings. If we increase the term by 3 times, then we get 36 months and 83 340 rubles / month. . This is already close to reality, but still extremely difficult.

Option #3: 10 years

This is a fairly long period and you need to be patient in order to be able to save money on your own for a long time. But now the monthly costs are only 25,000, already close to reality.

You can save money, but should you?

If there is no highly profitable business, then it will be difficult and long to save up on your own. At best, with an average salary, you will have to postpone 25 000 per month.

If you don’t have your own home, then it’s better to get a long-term mortgage. But if real estate is acquired simply in addition to the main one, then it is enough just to postpone and not violate the deadlines.

Real examples of saving money to buy your own home.

How to save up for an apartment with a salary of 20,000, 30,000, 40,000 rubles per month + examples

Unfortunately, the issue of housing in Russia is quite acute. Many people want to live in comfortable apartments, but due to working conditions they cannot afford it. After all the above tips, we suggest that you familiarize yourself with the accumulation plan for a period of 5-10 years. During this time, it is quite possible to create your own business and promote it to the required volume.

Follow the advice from the first paragraph of the article. To accumulate, you must first change your thinking and perception.

Start with planning

You can not put things off until tomorrow, for a week and a month. If you act, then only immediately and without stopping. In the coming week, choose the direction in which you will develop:

media (Internet, YouTube, social networks);
investments (IIS, );
career / additional skills (programming, SEO, freelance, marketing).

No one forbids trying in all areas, but the greatest success is achieved by a person with a narrow specialization of his activity.

After determining the general vector of development, specify the specialization, ways to get additional income: which channel will you develop or what stocks will you invest in.

1 year - start and get used to the pace

To make sure of the idea, we will carry out planning with a salary of 20,000. The experiment involves a family without a child, both spouses work 40 hours a week and can afford no more than 2 hours a day for their business (in the evening after work) + days off.

The total income is 40,000 rubles, and 30 of them are spent on food, clothing, payment for services, etc. Only 10,000 are free per month. These are the minimum conditions for the start, which must be provided. Suppose you have to move to relatives and refuse all paid services.

The husband, in addition to his main job, decides to run a YouTube channel + instagram + blog. The first month he studies the field, gains knowledge and plans content. He sets aside 5,000 monthly for development (advertising, copywriters, equipment).

The wife decides to freelance. The first 3 months he studies long and hard, but does not pay off his labors. In the future, she recruited her customers and now pays for her costs.

By the end of the year, the family got used to this pace of life. As a result, the husband brings an additional +30 thousand, and the wife also (for a year you can get up to such numbers).

Year 2 - expanding

If the start was successful, now it is necessary to expand the scope of activities. Excess 20,000 are monthly invested in IIS and shares of the company are bought back with a forecast of 12% stable per year.

20 thousand monthly = 240,000 per year
12% dividend = 28,800

Additional income has now become the main field of activity (it often happens). And now the family can afford higher paying jobs or continue to develop as entrepreneurs.

Freelancers with extensive experience are often invited to young companies for a good salary. They can agree or continue their hobby.

3-5 year

After 3 years, IIS can receive a tax deduction. There has already accumulated approximately 1 million + tax exemption. You can buy one or keep saving.

Error Assumptions

In the above calculations, we took an example with a minimum salary of 20,000. If the spouses receive more than 100 thousand in total, then the terms are different and they will achieve their goals faster.

But this does not change the essence of the plan. In the first year, spend time and money on expanding your core income so that you have something to save from.

Conclusion

How to save up and earn money for an apartment - this question will be relevant for a long time. The methods described above explain everything that is needed to achieve the result. But in the end, it doesn’t matter what additional business to do - you will get income everywhere. The main thing is to learn how to save, distribute your time and bring what you started to the end.