Ways to easily save money

When I was little, I always had savings. Usually, instead of gifts, I would receive money, which I would hide in my secret cache, which served as a bank account in a children's edition. I was enterprising from a young age and when my parents borrowed unannounced expenses from me, I only borrowed with interest. I had so much financial skill that I always had money for my pleasures, even though I didn't get pocket money.

How to invest wisely
Almost a year ago, when we both lost financial liquidity, Piotr and I found out how important it is to have savings. They saved our ass when we were in a hopeless situation (we wrote about it here). Today we are trying to rebuild the financial cushion in small steps. There is one more expense ahead of us - our own apartment. In the long term, we have retirement savings. And now we will focus on it because a lot of people don't think about the future.

Investing in the future - how to do it wisely

I don't know about you, but I often wonder how to secure my future financially? How to accumulate funds that will allow us for a dignified autumn of life? If you start thinking about these issues sooner, the better for you and your safety. The paradigm has long been outdated: school, work and retirement. I definitely subscribe to the words of Dr. Sergiusz Trzeciak, who writes in one of his books that the school does not keep up with social changes - full-time work gives the illusory appearance of security, and retirement for people who have not secured their future and usually means vegetation. Most of us like to cheat and remain in the comfort zone, shifting responsibility to the school, employer and the state. I assume that you have to take full responsibility for your development and secure your financial resources.
If you collect and multiply your funds, you don't even need to have specialist knowledge right from the start, you don't have to be an outstanding stock market analyst. The most important in achieving financial success in this case is the precise definition of the goal, consistency and determination in the implementation of your plans. You can divide your strategies into short-term, medium and long-term. Believe me, no matter how much you earn, you are always able to invest part of your monthly income. It all depends on our thinking. release file to download, which will allow you to take your first steps in efficient management of your home budget.

Simple ways to save short and long term

In our case, let it be a long-term perspective. From today, our goal is to save for retirement. However, let's take the next step and instead of just putting money away, our funds should work every day so that they do not lose their value. As with daily household budget control, the excel file I wrote about earlier can help you, in this case one of the products offered by NN Investment Partners. We have two saving options to choose from: IKE (Individual Retirement Account) and IKZE (Individual Retirement Security Account) under the so-called 3rd pillar.
pension forecast from ike

If you choose the option IKE, we do not incur fees for opening or maintaining an account. The only requirement is the first minimum payment of 50 PLN. Opting for the second option IKZE, we also have the option of deducting from the amounts paid from income tax PIT and we do not include us commonly called the Belka tax. In this case, we have even greater freedom to invest our accumulated capital depending on the degree of risk we take. We accumulate funds without any tax burden upon completion 65 years old. Of course, you can withdraw previously accumulated funds, but in this case we must pay PIT tax.

IKE or IKZE - what to choose?

Both IKE and IKZE can be set up in financial institutions, but it depends on us how we invest our funds. It is also worth paying attention when choosing savings in the third pillar whether there are fees for opening and maintaining an account. Depending on the institution selected, let's pay attention to the monthly amount we are required to make payments. We should remember that we should have full freedom when and what amounts we want to allocate in a given month. The main thing is to pay attention to the amount of fees related to TFI (Investment Fund Company), which charges fees for managing funds on our behalf.

Savings are the key to financial success

The financial pillow is a big challenge because putting money away is not as easy as it seems. Fortunately, the products offered by NN Investment Partners come to the rescue (including those described above). We do not recommend putting 'in a sock' because such money is very easy to spend (the temptation is that they are close) and lose their value. It is also worth thinking about not only your future (retirement age), but also your children. If you have dreams in the short or long term that you will need money for - start today to postpone the proverbial penny to enjoy your goal in time.

Saving guide - rechargeable batteries

In the world of electronic gadgets that surrounds us, we can't do without batteries. Not once have I thought and approached the topic of buying rechargeable batteries. There are as many opinions available on the Internet as there are users. Personally, I am a strong supporter of using rechargeable batteries instead of traditional batteries. Each of us has an impact on the surrounding environment. Therefore, using disposable batteries is simply unprofitable and not (eco) logical.

However, if we decide to buy rechargeable batteries, the question remains: what to look for when buying them? I would like to point out that this is one of the longest tests conducted on our blog. I tested the batteries I bought for over a year. This is a sufficient period to determine if a given battery is worth recommending or not.

eneloop batteries

What to look for when buying rechargeable batteries?

The most important parameters that we must pay attention to capacity, number of charging cycles, loss of capacity, self-discharge coefficient and operating temperature range (durability in extreme weather conditions). If we follow these criteria when buying, we can be sure that we will be satisfied with our investment. The battery capacity is most often expressed in milliampere hours mAh or less often in milliwatt hours mWh. A simple rule applies - the greater battery capacity, the longer we can use our mobile devices and we will less often reach for the charger, which I will also mention later in the post. Number of charging cycles determines the lifetime of the battery used. We must remember that the capacity to store energy in our rechargeable batteries will decrease over time.

It is important that the capacity loss during the year does not fall below 80% maximum 70%. In case of self-discharge coefficient, here the relationship is inverse to the previously described parameters. The rule works in this case - the lower the ratio, the better. It is important that the capacity of the charged and unused battery is as long as possible. If we use mobile devices often, it is important to pay attention to when away from home operating temperature range. At high or low temperatures, some batteries refuse to work longer.

Battery distribution

If we know what to look for, it is good to be aware that there are different types of rechargeable batteries. Due to the chemical compounds used (NiMH (nickel metal hydride), NiZn (nickel zinc), NiCd (nickel cadmium) and Li-ion (lithium ion)) and available sizes (AAAA, AAA, AA, A , SC, C, D, F, M, N). I would venture to say that the most popular of the rechargeable batteries I have bought and tested by myself are AA or AAA NiMH (nickel metal hydride). NiMH batteries themselves are divided into LSD and nonLSD. The LSD designation indicates that the batteries have low self-discharge. The purchase of such batteries is a proverbial bull's-eye.

Before I became interested in this issue myself, I followed the basic guidelines. I did not know then about the aforementioned division of rechargeable batteries - NiMH (nickel-metal-hydride). However, I don't regret buying my rechargeable batteries and dedicated charger. As I mentioned, I have been testing the Energizer 2300 mAh batteries for over a year. Initially, the purchase of rechargeable batteries forced us to use electric brushes. Normal alkaline batteries (Duracel, Pansonic, Energizer) allowed the use of brushes at satisfactory rotation of the brush head, for a maximum of two weeks of use.

With Energizer rechargeable batteries, the brush worked effectively on average over a month on one charge. Over time, I invested in the same company rechargeable batteries for a wireless mouse, watches, or Xbox controller. Effect - Charging the battery every month applies only to the Xbox iPad. I didn't have to charge the batteries used for the watches. In the case of a wireless mouse, I was charging the battery after over half a year of use.

Which charger should I buy?

Best and safest dedicated to the equipment of the company we use, or suitable for the type of rechargeable batteries we use. In this way we will avoid destroying the links. At the beginning I used a simple charger without a display (visible in the picture on the left). However, over time, I decided to buy an Energizer Intelligent charger (visible in the photo on the right). It is a compact, compact charger that houses 4 AAA or AA batteries.

The device can operate in voltage from 100 V to 240 V. I must admit that the biggest disadvantage of the Energizer Intelligent charger is the fact that we will not charge the battery individually and we will not check the battery level. Full charging of a 2300 mAh battery lasts up to 7-8 h. Thanks to the relatively long charging process, our cells are not exposed to loss of capacity. The optimal solution is to buy a processor charger. The equipment will provide us with complete control over voltage and current in various charging phases.

Summation

The most important thing is to follow the key described. With a clear conscience I can recommend the Energizer rechargeable batteries with 2300 mAh capacity that I bought together with the dedicated Energizer Intelligent charger for home use. Remember that it makes no sense to buy cheaper incompatible devices that will do more harm than good. However, if you are e.g. a photographer and expect the optimal solution, then better focus on purchasing NiMH nonLSD batteries and a processor charger. Before using rechargeable batteries, let's check whether our home equipment can work without any problems in 1,2 V voltage or if it is necessary to use 1,5 V batteries, however.