Lo schermo di uno smartphone mostra il cruscotto di un'app che tiene traccia dei risparmi automatici derivanti dalle transazioni quotidiane.<\/figcaption><\/figure>\nOpzione 2: Il metodo manuale di arrotondamento mentale (non \u00e8 necessaria un'app)<\/strong><\/p>\nSe non vi sentite a vostro agio nel collegare i vostri account, potete replicare questo hack da soli. Richiede un po' pi\u00f9 di disciplina, ma funziona con lo stesso principio.<\/p>\n
\nCome funziona:<\/strong>\u00a0Alla fine di ogni giornata o settimana, rivedete le vostre transazioni bancarie. Per ogni acquisto, arrotondate mentalmente al numero intero pi\u00f9 vicino.<\/li>\nEsempio:<\/strong>\u00a0Se avete speso $34,20 al supermercato, arrotondate per eccesso a $35,00. La differenza, $0,80, \u00e8 il vostro \"arrotondamento\".<\/li>\nL'azione:<\/strong>\u00a0Sommate tutti gli \"arrotondamenti\" del periodo e trasferite immediatamente l'importo dal conto corrente al conto di risparmio. \u00c8 anche possibile impostare un trasferimento ricorrente per il totale settimanale stimato.<\/li>\n<\/ul>\nIl Power-Up Imposta e dimentica \ud83d\ude80<\/h4>\n Per rendere il tutto davvero facile e raggiungere l'obiettivo $500, combinate l'hack round-up con queste due strategie:<\/p>\n
\nRaddoppiare o triplicare i giri:<\/strong>\u00a0La maggior parte delle app consente di moltiplicare gli arrotondamenti. Invece di arrotondare al dollaro pi\u00f9 vicino, si pu\u00f2 arrotondare all'$2 o $3 pi\u00f9 vicino. Questo accelera notevolmente i risparmi senza alcuno sforzo aggiuntivo.<\/li>\nAggiungere un contributo ricorrente:<\/strong>\u00a0Abbinate agli arrotondamenti un piccolo trasferimento automatico giornaliero o settimanale. Anche solo $5 o $10 in pi\u00f9 alla settimana, abbinati agli arrotondamenti, vi permetteranno di raggiungere l'obiettivo di $500 molto pi\u00f9 velocemente.<\/li>\n<\/ol>\nLa matematica: Come gli spiccioli si sommano a $500+<\/h4>\n Potreste essere scettici. Gli spiccioli possono davvero ammontare a $500? Analizziamo il calcolo per una persona comune.<\/p>\n
Supponiamo che si effettuino 30 transazioni con carta in un mese<\/strong> (cio\u00e8 solo 1-2 al giorno). L'arrotondamento medio per transazione \u00e8 di circa\u00a0$0.50<\/strong>.<\/p>\n\n30 operazioni x $0,50 = $15<\/strong>\u00a0da puro arrotondamento.<\/li>\nAttivare ora un moltiplicatore 2x: 30 x $1.00 =\u00a0$30<\/strong>.<\/li>\nAggiungere un piccolo contributo ricorrente di $10\/settimana ($40\/mese)<\/strong>.<\/li>\nTotale del mese: $70.<\/strong><\/li>\n<\/ul>\nOvvero $70 senza cambiare le vostre abitudini di spesa. Ma aspettate, noi puntiamo a $500! Il segreto \u00e8 che il numero sopra riportato \u00e8 conservativo. Pi\u00f9 si usa la carta, pi\u00f9 si risparmia. Se utilizzate la carta per tutte le vostre spese - bollette, alimentari, abbonamenti - potete facilmente effettuare 80-100 transazioni al mese.<\/p>\n
\n80 transazioni x $0,50 (media) = $40<\/strong><\/li>\nCon un moltiplicatore 2x = $80<\/strong><\/li>\nAggiungere un contributo ricorrente di $20\/settimana ($80\/mese)<\/strong><\/li>\nTotale: $160 al mese.<\/strong><\/li>\n<\/ul>\nOra siete a un terzo del cammino verso $500 in un solo mese. Aumentando leggermente il moltiplicatore o il contributo ricorrente, o semplicemente mantenendo la costanza per alcuni mesi, vedrete i vostri risparmi crescere fino a $500 e oltre. La chiave \u00e8 la costanza.<\/p>\nUn'infografica che mostra come un barattolo di risparmio cresce nell'arco di sei mesi utilizzando l'hack dell'arrotondamento con un moltiplicatore e depositi ricorrenti.<\/figcaption><\/figure>\nIl vostro primo passo inizia in 60 secondi<\/h4>\n L'ostacolo pi\u00f9 grande \u00e8 iniziare. La vostra missione, se decidete di accettarla, \u00e8 semplice:<\/p>\n
\nOggi:<\/strong>\u00a0Ricercate un'app di arrotondamento o verificate la funzionalit\u00e0 della vostra attuale app bancaria.<\/li>\nDomani:<\/strong>\u00a0Dedicate 5 minuti alla configurazione. Collegate la vostra carta, impostate il moltiplicatore e attivate i round-up.<\/li>\nIl prossimo mese:<\/strong>\u00a0Lasciatevi stupire. Aprite il vostro conto di risparmio e vedrete la magia del risparmio automatico e senza sforzo in azione.<\/li>\n<\/ol>\nLavorate duramente per il vostro denaro. Ora fate lavorare il vostro denaro per voi, senza che dobbiate muovere un dito. Non si tratta di un espediente, ma di un sistema finanziario che funziona con il pilota automatico, progettato per farvi diventare pi\u00f9 ricchi un centesimo alla volta.<\/p>","protected":false},"excerpt":{"rendered":"
Siamo onesti. La parola budget pu\u00f2 sembrare una dieta per il portafoglio: restrittiva, frustrante e piena di sensi di colpa. Ci si dice che si inizier\u00e0 a risparmiare, ma poi la vita accade. Un caff\u00e8 qui, un rapido acquisto online l\u00e0, e alla fine del mese il grande piano di risparmio \u00e8 svanito nel nulla. E se [...]<\/p>","protected":false},"author":1,"featured_media":261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,17],"tags":[19,45,33],"class_list":["post-258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifehack","category-money-budgeting","tag-lifehack","tag-save-500","tag-save-you-money"],"yoast_head":"\n
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