I confess right away, I'm a spender. And as a child, my mother scolded me very much for this: if money fell into my hands, then I was in a hurry to spend it. Perhaps I just always knew what I needed. But one way or another, the money in my hands did not linger. Naturally, when I began an independent life, I had to remake myself, radically change.

First attempts

It all began, of course, back in his student years. Now, honestly, I don’t know how I lived in my first year on one scholarship (more precisely, two: regular and social) - 1200 rubles (in 2003). Moreover, I then managed to buy my first mobile phone myself (for my whole month's income).

Later, when in my fourth year I began to live with my future husband, some sort of rational distribution of funds began. At that time, my husband's salary was scanty, my income was practically nonexistent. As a result, we rented an apartment and lived on one and a half living wages. It was then that I had to learn to save.

We started, like everyone else, probably with a notebook of expenses and income. We carefully kept all receipts from purchases, then wrote down the amounts in columns down to kopecks. And so on for six months. At the end of the month, they summed up the results, analyzed what was superfluous, what could be saved on.

However, this did not help us in the least - we just lived from paycheck to paycheck. Soon, recognizing the maintenance of such a notebook as useless, we abandoned it.

The situation improved when, in the fifth year, I found myself a job. We lived on two salaries for a month without much stress and even managed to buy something big and save up for something. It was easy enough: my husband's salary was once a month, and it went to pay for an apartment and large purchases, but I received interest every day on what I did during the working day - we used this money to buy groceries.

In general, they lived well. Even all the "piglets" from both wallets every day in the evenings were put into the piggy bank-cow, presented to us for the wedding. And then sometimes they spent on something unplanned.

When my daughter appeared, I had to quit my job, and life became a little harder, but not much - by that time my husband was already working in a good position with a good salary. With renewed efforts, we took up saving only when we bought our apartment and gave half of my husband's salary for a loan.

This has already become a real economy. And after I parted with my husband, and I got the loan (thank God, together with the apartment), saving just became a way of life. So how do I save?

My strategy

And the saving strategy is quite simple: they do not save on products. Of course, we do not eat red caviar, do not absorb tons of cookies and sweets. Potatoes and other root crops are supplied by my parents from their dacha to my daughter and me - fortunately, my little goat and I eat a little bit.

Such expensive products like cheese and sausage, they live in our refrigerator all the time, but in small quantities. True, I still have not learned to guess this very number. When I lived with my husband, I got used to the fact that food disappears from the refrigerator at lightning speed. And since the moment of our parting because of this habit, a lot of things in the refrigerator have already gone bad because of my rashness.

Although, if I had taken fewer groceries in the store, it would have been possible to save money. From here rule one: do not take more than you can eat.

And at the same time at once and second rule: long-term storage products(sugar, flour, cereals, pasta) it is better to take in the largest volumes and at the wholesaler... Since my daughter and I almost never use sugar, except perhaps I add homemade cookies to pies and cookies, this product has not decreased by more than a kilogram from stocks in 6 months. That is, sugar will appear on my shopping list for a long time.

By the way, here it is third rule: Before going to the store, you need to make a detailed shopping list. I allow myself no more than one deviation from the list - in order to "pamper" myself, because it is impossible to keep yourself in the constant stress of austerity.

As for other expenses, here it works fourth rule: for the sake of quality it is worth sacrificing a LITTLE value. For example, I have a certain taboo on buying shoes in the markets. Only in the store and only with a guarantee. Yes, sometimes it comes out a third, or even half, more expensive, but it's worth it.

For example, I wear sneakers from the market for 500 rubles for two months - not even enough for a season. And sneakers from the store for 800-900 rubles - two summers. I tried, experimented three times - the result is the same.

Since we have touched clothes and shoes, then there is one more thing for me, fifth, the rule of economy: discard unnecessary complexes. While my daughter is small, and around, with friends and acquaintances, children are older than us, I shamelessly take advantage of the fact that we are given a lot of things.

Yes, some things can only be worn under other clothes, but very often they give away completely new, practically unworn dresses, trousers, T-shirts. I confess that almost half, if not more, of my daughter's clothes are previously someone's things, not from the store. Moreover, I often alter my clothes for my daughter, for example, jeans. And I’m not ashamed of myself to “wear” the clothes of my aunt, who is tired of her. Fortunately, we are the same size.

Following these simple rules, now my daughter and I survive on 8 thousand rubles. Agree, this is very little, even for a provincial town. But I confess, even in such a situation, for example, my mother would still have managed to save money - but to comprehend HOW she does it, alas, it is not given to me ...

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An economical hostess. Part 1 - Nutrition

All rich people who have met me in life, knew how to save and rationally use the resources at their disposal. They never spent money without first asking the question: what will it give me? Conversely, those people who clearly had financial problems and often asked for a loan were guided by the principle "we live once and in a big way."

Saving for the sake of saving itself is a thankless and merciless business. It is necessary to save in order to free up money resources for more important purposes than clogged refrigerator shelves. And the first step towards reasonable savings should be taking into account the available financial resources.

It is impossible to manage your money wisely if you do not know the exact amount of income and expenses. Therefore, if we have decided to follow the path of reasonable savings on food, then we need to know exactly how much the family spends per month on food, and what percentage this amount of total family income is.

I think that you should not set yourself a goal to reduce, for example, food costs to a certain amount. It is much more reasonable to set yourself the goal of reducing the percentage of food costs. And this is achieved in two ways:
- by reducing costs;
- by increasing income.

Which of these paths is preferable for you personally - choose yourself. Food expenses should not exceed 30% of total income. Optimally - up to 20%. If less than 10%, then one can only envy your income.

You need to keep track of expenses for at least two or three months in order to get an idea of ​​where the money comes from and where it goes. Even if you think that you have an approximate idea of ​​this process, then a lot of surprises await you. For example, you will be surprised how much extra money can be spent on various sweets and unnecessary things, such as chocolates, chips, modest gatherings in cafes, etc. When I started keeping records, I was literally shocked by the size of the column: "Food outside the home." Then, for several months, I tried to patch this black hole, as a result, the figure in it no longer looks so frightening.

Well, then, after getting to know the reality, you can start planning your family budget and specific tasks: where to reduce, and where to add.

Accounting can be kept different ways: in the old fashioned way in paper form or using computer programs.

I remember that as a child, my mother had a special notebook in which she scrupulously entered all the expenses. Then at the end of the month I calculated everything and made a verdict. As a rule, it began with the words: "Everything is lost, let's go around the world ...." And he ended with the words: "Despite our dad's insane spending, I managed to postpone so much this month."

Now the time has changed, instead of notebooks, Excel spreadsheets and special programs for home bookkeeping came into the box. Here at this link you can see an overview of such programs and choose the right one.

Personally, I have used these programs over the years:
... http://easyfinance.ru/
... http://www.keepsoft.ru/homebuhl.htm
... http://justtry.ru/buh/family-accounting

In principle, they are similar in function, I switched from one to another only because the first one bothered me. Therefore, I changed it once a year. The first one is online (but the most multifunctional). And the second two can be installed on your computer.

In any case, the main thing is not the form, but its content. Accounting for all expenses and income is a tedious and painstaking business, but very effective and useful.

Do I need to save on food?

This topic was born out of a conversation around the sandbox, in which four young mothers participated. While the kids were making Easter cakes, we discussed a very burning question: who spends how much money on food? We all had experience in housekeeping and our own vision of this problem. Everyone believed that it was his approach to the distribution of the family budget that was the most correct and convinced others of this.

Yegor's mother complained about the crisis and the eternal lack of money. The necessary payments and bill payments ate up almost all the money earned, so they had to save on food. For example, fruits were bought only once a week, and the food was based on pasta, cereals and potatoes. Frankly, we were amazed at this recognition, since outwardly the family gave the impression of being financially safe: two new cars, expensive clothes and toys for the child, a wonderful renovation. Although, as it turned out, it was the payment of loans for these cars and the new built-in kitchen that required the lion's share of the family budget. And the family lived on for the minuscule that remained.

Matvey’s mother immediately announced that she didn’t save money on food and didn’t advise us. She is going to give her child everything only the best and most expensive, and she will never regret anything for her boy. They always have fresh fruit, meat, smoked sausage and red fish, expensive cheeses in their house. True, not everything has time to be eaten and a lot is thrown away. And it is not at all possible to save money for solving the painful housing issue: they live with their father-in-law and mother-in-law in a two-room Khrushchev, and the father-in-law also has serious problems with alcohol ... But the family is guided by the motto "We live only once" than he does not deny himself.

Anya's mother complained that too much money was spent on food. Especially for all sorts of "unnecessary", like sweets, chips, chocolates. As soon as the husband goes somewhere with the children, almost the entire amount that she allocates for food for a whole week will be wasted on such nonsense. In addition, the husband is very picky about food. For example, he flatly refuses to eat vegetable soups and porridge. For him, meat must be required every day and at least for lunch and dinner. And the meat itself is by no means in the form of minced meat or chopped pieces, but a large steak. The eldest son began to adopt the same eating habits. So, no matter how hard she tries, there is no savings.

I said that I have been doing home bookkeeping for several years now and I always know exactly how much money we spend in our family on food. I try to keep this amount within 20-25% of our total household income. If the income in some month pleases, then we indulge ourselves. Well, if they decrease significantly, then I am able to feed the whole family tasty and varied for a whole week for $ 30 (less than 1000 Russian rubles). True, the girls did not believe me. They unanimously declared that for this amount you can only feed pasta and potatoes, and you can definitely forget about taste and variety. How many I didn’t convince them that it was more than real, how many didn’t give examples, they were skeptical.

Several months have passed, and this conversation has not gone out of my head. In our society, it is not customary to openly discuss your income and financial problems. You can convince others as much as you like that in these matters everything is in order in the family, but if this is not so, then the family itself suffers from this, first of all. I will not take on the role of a financial guru and will not talk about money at all. I want to talk about only one aspect - money for food. In this matter, I have both experience and skills and certain successes.

There are no problems with money only in one case: with their unlimited amount. For example, if you have a Magic Nightstand, in which money appears by itself. Or the fairy godmother who gives as much money as she wants. But, as a rule, our resources are limited and have a certain source of income: salary, business income, pension, parental help, rent income, benefits, etc.

At the same time, the possibilities of the consumer society around us have no limitations. The more money we have, the more temptations and temptations to spend it. It only seems at first glance that the cost of food may be limited by the capabilities of the human body and appetite. Truffles, foie gras and baked nightingale tongues are not food for the hungry, but for the rich. Do you know the saying: "The more money, the more it is missing"? And it is true: if you do not control the spending of money, then, regardless of the amount of income, there will always be few of them.

Why save money on food?

At first, the money saved on food can be spent on more necessary and important things. For example, to solve the housing issue, develop your own business, educate children, health, vacation, etc. It is very sad if the most important priority in the family is "to eat deliciously, without denying yourself anything." Maybe it’s better for your child to eat hake today than salmon, but tomorrow to study at Oxford? Or you yourself will deny yourself red caviar and blue cheese for several years, but you will be able to buy the house of your dreams? If you believe that you can afford the fulfillment of any desires without restrictions, then say hello to the good fairy godmother.

Secondly, the transition of a family to economical food means a simultaneous transition to a healthier diet. For example, giving up smoked sausage, sprats, convenience stores will only benefit the body. And an increase in the amount of available vegetables in the diet, such as cabbage, carrots, beets, onions, etc. will be approved by any nutritionist. In addition, the refusal to eat meat at least two days a week, the introduction of vegetarian days on the menu is welcomed not only by religious orthodox and vegetarians, but also by doctors. Saving on food is not eating not quality products... Saving on food means choosing quality products at a reasonable price.

Thirdly, the ability to save money and feed a family for a limited amount is a very important and necessary skill for any housewife. May God grant us all that we never know the need, so that the experience of our grandmothers who went through a difficult wartime, or our mothers who managed to raise their families in the difficult 90s, will never be useful to us. Let's hope that we have a cloudless future ahead of us, without crises and losses. But the ability to save and save in small things is a guarantee of our confidence that we can cope with large ones. If you know how to save money and use the money wisely, then you are not afraid of sudden financial crises associated with illness, loss of work, falling income levels, etc. Because there is self-confidence, and this is the key to success.

What can you not save on?

- On the quality of products. We carefully study the expiration dates and appearance products. At the slightest doubt, we discard the suspicious.

- You can't save on health. The diet should contain fresh vegetables, fruits, protein-rich foods. If you completely switch to pasta and potatoes, then you will have to spend even more on medicines in the future than on such "illusory" savings.

- On small and rare pleasures. If you want to pamper yourself with something tasty, then so be it. The less often, the greater the joy of such self-indulgence.

How can you save:

- On the replacement of store semi-finished products with homemade ones. We reduce to the possible minimum the consumption of sausages, sausages, dumplings, fish sticks and cutlets, ready-made chickens, sauces and mayonnaise, salads, five-minute cereals, ready-made pancakes, cookies, sweets and other sweets. Instead, we cook more on our own: soups, casseroles, salads, cereals, pasta, various gravies and sauces, pies, manniks, charlottes and other cheap, tasty and healthy dishes.

Sausages or steak?
- On the exclusion of products from the "pampering" category and snacks: chips, buns, croutons, sandwiches between meals.

- On the rational use of already purchased products. We don't throw anything away! We perceive a product spoiled in the refrigerator as a mute testimony to our poor housekeeping abilities: either you do not know how to buy according to your needs, or you do not know how to cook.

Stale bread turns into crackers, croutons, bread crumbs, gratin sprinkles.
... Curd is made from yesterday's milk.
... The lost kefir will go into the pancake dough.
... Majority ready meals(except for salads) are perfectly stored in the freezer.
... Yesterday's uneaten porridge is added to today's soups, cutlets, casseroles.
... "Extra" vegetables are frozen until better times.
... Small pieces of all sorts of things left in the fridge make great toppings for pizza and pies.
... Pickles from cucumbers and tomatoes are the basis for pickles and borscht, you can stew meat in them.
... After frying the meat, the remaining juice and fat turn into a base for sauces, etc.

- Eating out. Minimize snacks in cafes and other catering establishments. Homemade food is tastier, healthier and cheaper. You can take on the work of "sidekicks". Yes, this will require more cooking at home and self-organization in planning tomorrow's lunch. But the savings will be obvious. To do this, you need to specially buy containers and thermoses, in which you can bring any dishes with you: from soups to salads.

Charlotte or candy?
- We buy vegetables and fruits only according to the season. No fresh strawberries in February or persimmons in August. Benefits and taste qualities greenhouse winter tomatoes are in great doubt, and the blow to the wallet is palpable. You need to buy what has grown under the sun. In winter, these are vegetables and fruits of long-term storage: beets, cabbage, carrots, onions, garlic, potatoes, celery, apples, oranges, bananas, persimmons. In summer, the choice is much wider.

- The freezer is our friend. We do not buy frozen vegetables, herbs, berries and fruits. We are not lazy, but we prepare all this ourselves in summer and autumn. If there is a desire and opportunity, we independently collect and dry / freeze mushrooms and berries. We actively use seaming, pickling and salting for the winter.

- Before going to the store, we draw up a menu for the week. On its basis - a list of products and we buy only by it. This is the surest way not to buy something unnecessary and unnecessary!

- We are interested in prices in every store for similar products and prefer those that are cheaper. If the purchase occurs once a week, then it is best to choose large grocery stores with more affordable prices. Even if such a store is located far from your home, the cost of gasoline will pay off due to the large volume of purchases.

- We study promotions and discounts. And not only prices, but also the shelf life of products for these promotions. If the food can be eaten before the expiration date, then we buy.

Before the purchase we study the ratio of the real weight of the product in the package and its cost. There is no point in paying for a nice and large package. It is better to prefer a similar product, which is 30% more expensive, but 50% more.

Nuts or Chips?
- Nuts, dried fruits and seeds cheaper by weight than in the package.

- We are trying to reduce the consumption of meat. I am not advocating a complete rejection of animal protein. If you want, they should be (although vegetarians and ascetics prove by their personal experience that you can live without meat). Meat must be in the diet of children, pregnant women and people involved in manual labor. But it doesn't have to be every day. Several days a week, meat can be substituted for other protein-rich foods such as fish, legumes, or dairy. And cheap and useful.

- On purchased juices. Most of the juices sold in our northern shops in packs are made from powder concentrate. An exception may be tomato, apple and birch sap(in our latitudes, they are often poured into cans in their original form). It is cheaper and healthier to cook compotes from fruits and berries frozen in summer.

We'll go into more detail about smart food savings in future publications. We will share the ways and techniques of saving, available recipes... We will learn how to plan a family budget, how to determine the required amount of food expenses per week. We will tell you about our personal experience of saving, our own successes and results.

Do you know the amount that goes to your family for food?

Economical hostess menu for a week

The article is not mine, copied. But I liked the material.

I must say right away that the article is from 2013, but there is something to think about!
Food products are becoming more expensive every year, and spending almost half of your salary on food is a very real situation. This happens not only because of the high cost of products, but also because of our laziness and disorganization.

Imagine you bought a product, but forgot about it, putting it in the back of the refrigerator. It has gone bad, money is wasted, and you need to buy new sausages, cheese or cottage cheese, or greens, which go bad very quickly. A trifle, but unpleasant. Or you’re so tired after work that you don’t have the energy to cook, and therefore you grab ready-made food or convenience foods in the store, which are significantly more expensive than the usual "grocery basket". It is quite possible to save on products. It takes a little trickery and a systematic approach to shopping.

Menu for the week. The menu will help you plan the consumption of groceries and will make your life a lot easier. Its compilation takes very little time - after all, few people cook hot food for breakfast, lunch and dinner. Remember what you usually eat in the morning: for sure, it will be enough to stock up on muesli, bread, cheese and ham for sandwiches, eggs, cereals or ready-made porridge. Working people usually dine in the office, while those who eat at home during the day may well dine on the same dishes. By purchasing this food set, you will be provided with breakfasts and lunches for the whole week in advance. Consider several options for lunch and dinner. Experienced housewives combine the same food combinations to create different dishes.

To the store - with a list... Supermarkets are designed so that the buyer "grabs" the excess, spending as much money as possible. A shopping list is a surefire way to avoid temptation. It is useful for the inveterate spenders to take with them a limited amount of money. If you uncontrollably want to please yourself with an unplanned dessert, enter the rule: no more than one "extra" purchase per trip, or set a limit: do not exceed the planned "expenditure" amount by more than, for example, 3-4 lats. A good opportunity to practice verbal counting: when you take a product off the shelf, memorize its cost and add to the price of the next product. It is recommended to round up so that the total amount does not come as a surprise to you.

Dishes are magic wands. These are cheese cakes, omelets, scrambled eggs, casseroles and sandwiches. They are great because they can be made from almost what is left on the refrigerator shelves. Rice or pasta from yesterday's side dish for lunch can go for a casserole in the evening, and the remaining potatoes and half of the sausage are used in the morning omelette. Before going to the store again, take a look at the refrigerator: there may be enough food left in it for another day.

Refrigerated logistics... Do not fill the shelves so that you cannot see the rest of the food behind the pots, sachets and packages in the first row. Arrange the largest purchases to the wall, put jars and small packaged products on the side shelves. Each time you look into it, consider which of the products can go bad so that you can be the first to use them.

Keep accounting... Write down all your expenses or keep receipts. At the end of the month, this will allow you to analyze how much money was spent on food. You will be able to compare the cost of the same products in different stores and decide which one is more profitable. You may need to split your purchases into groups: dairy products are cheaper and better in one place, and meat in another.

Don't be lazy to find a cheaper store for "basic purchases"... Convenience stores usually located near the house greatly inflate food prices. everyday use... This is done with the expectation that residents of nearby houses will run to the nearest store for bread, and not to the one where the prices are lower. Be smart: find a store in the area with better prices and try to buy all the necessary groceries there.

Seasonal vegetables and fruits - both health and savings. It is not necessary to buy strawberries and grapes in January, and in the fall to pay crazy money for watermelon and blueberries. Seasonal fruits and berries are much cheaper. In addition, the imported exotic is less useful than the one that grows in your strip: it causes allergies much more often, and the likelihood of containing nitrates in it is much higher. So we buy apples and sauerkraut - and provide ourselves with the necessary vitamins

Try to buy fewer ready-made products, cuts, semi-finished products, and so on. e. A whole chicken in terms of price-to-weight ratio will be much cheaper than minced chicken or ready-made cutlets... It is more profitable to buy a whole piece of cheese or sausage than the same products cut and packaged. Ready-made pizza, Microwave-only lunches should appear on your table as little as possible.

Foreword

It is not for nothing that folk wisdom says that "you cannot forbid living beautifully." Nowadays, a stratum of fairly wealthy people has appeared, for whom no matter how much money is spent, it will be enough for two centuries. But there are much more of those who can hardly make ends meet, and even more of those who want to live, though not in luxury, but with dignity, so that they can dress decently and not bump their faces in the mud in front of the guests. How to combine all these, in general, quite legitimate desires? There is only one way: not only to live within our means, but also to find ways to save these funds.

Reasonable family economy is the main way of keeping money in a poor family. Our book is dedicated to how to make your life beautiful and worthy, how to help keep money in the family budget and find funds for the most necessary things - a real "gift for young housewives". Almost 150 years ago, a book with this title was published in St. Petersburg, which belongs to the pen of Princess Elena Petrovna Molokhovets. Here is what she writes: “Kitchen is also a science of its own kind, which, without guidance and if you cannot exclusively devote some time to it, is acquired not by years, but by dozens of years of experience, and this dozen years of inexperience is sometimes very expensive, especially for young spouses, and one often hears how, later on, the disorder of the state, and as a result of this, various displeases in family life are attributed mostly to the fact that the hostess of the house was inexperienced and did not want to delve into and take care of the household herself.

To prevent these bad consequences, or at least to take a step towards avoiding them, is my direct goal and my most sincere desire, and if my book reaches at least half of my desired goal and benefits my compatriots, then I will be completely happy and this will be the best reward for my labors. "

However, a lot of water has flowed under the bridge with that time blessed by heaven, many housewives were brought up by this book, but times have changed, and much of what at the time of Molokhovets seemed like a common truth looks anachronistic.

Proper housekeeping and an economical budget will allow you to free up the necessary funds for recreation and entertainment, and will help you fulfill your wildest dreams. It is no secret that everyday life sucks in, hands are often discouraged. Home is work, work is home, and there is no longer that happiness that you dreamed of in your youth. The family grows, there is a desperate lack of money, we become irritable, tired, we lose our beauty and attractiveness. All this affects the relationship in the family with her husband, and sometimes with children. Our book will help you avoid the mundane. Reasonable housekeeping, correct purchase and storage of food, their economical use, canning the fruits of your garden in the summer will help you plan your family budget. And now you have already managed to break out to the theater once again, entertain children on expensive attractions, allow yourself a vacation with the whole family abroad, and this is a completely different life, full of happiness and comfort. But you need to understand that savings are possible not only on the farm. A healthy child is not only a joy for parents, but also savings on doctors and medications, which many can no longer afford.

I have compiled this book exclusively for young housewives, in order to provide them with a case without their own experience and in a short time to get an idea of ​​the economy in general and in order to encourage them to take up the economy. Do we love this subject or prefer to engage in other areas, and household is a necessary thing. Correctly equipping your home, life, things around you is the main guarantee of well-being and success in life. And wealth and solvency are by no means the main thing here. The main thing for a person is the comfort that he creates around him.

Let's thrive together!

Natalia Sheiko

Chapter 1. Family Economy

First of all, one must understand that there cannot be a lot of money at all. They are always in short supply. One is not enough for bread, another is not enough for a bottle of cognac, the third is not enough to buy another skyscraper or tanker ... Lack of money is the most common situation in the world, and not only today, but in general, starting from the very moment when humanity this very money was invented. Initially, some had a lot of them, some had very few, and some had none at all. The rich have always been in the minority. This is the dialectic of life, and everyone who throughout history has tried to change this order, destroy money, prohibit or redistribute it, have always ended up in the dustbin of history (most often during their lifetime). The last experiment in our country ended before our eyes, and ended quite ingloriously for the experimental fathers.

What is "no money" and how to deal with it

The last thing is to complain about life and nod that someone was born there with a silver spoon in his mouth, and you have to be exhausted, in the sweat of your brow, to earn a living.

In order to learn the art of having money, let's first answer the question:

What's money in your life?

In our time, women most often dream not of a handsome prince on a white horse, but rather of a kind of king in a white Mercedes and with a wallet that can hardly be shoved into the trunk. However, these "kings of life" are often very capricious and impractical, and even the most wealthy can tell you: "you, they say, ruined me with your expenses."

In order to live and prosper in our world, or at least not to deprive herself of the most elementary things, a woman must be practical and be able to count her money and the money of her life partner. However, there are often women for whom money does not mean everything and who put peace in the family and spiritual harmony many times higher than any salary.

I offer you a simple test that will help you determine what role material security plays in your life.

First of all, honestly answer all the questions (there are not so many of them, and for each there are three possible answers).

Then use the table on page 10 to select your answers and count the number of points you score.

1. Do you have a hobby that accounts for most of your earnings?

A. I do not want to spend money on nonsense.

B. I don’t have extra money for my hobby.

V. There is. And what is expensive - there is nothing to be done, since a hobby is a hobby.

2. Why do you think some people borrow?

A. Because they get too little.

B. Because they do not know how to live within their means.

V. Because the contingencies are to blame.

3. Which of the two fans would you prefer: rich, but stupid, or not rich, but interesting in communication?

A. I'll choose the prettier one.

B. I will choose the rich.

V. I will choose the more erudite, since for me the inner content of a person is more important, and not his wallet.

4. How do you feel about people who believe that "paradise in a hut" is impossible?

A. I feel sorry for them, because, firstly, you can never wait for the palace, and secondly, it is better to have a "hut" than a "golden cage".

B. I hate people for whom nothing but money exists in life.

V. I agree with them. And if "paradise in a hut" does exist, then not for long.

5. Do you have enough of your monthly income?

A. Almost never enough.

B. It depends.

V. Enough.

6. How do you perceive the theatrical premiere, exhibition opening, social events?

A. I'm interested.

B. Depending on your mood.

V. I'm not interested in this.

Answers

If you scored from 4 to 9 points, then for you spiritual values ​​are more important than material ones. Congratulations - you are a highly spiritual person. And of course, it's great that you are above all commercialism and predatory things of the century do not interest you ... but not to the same extent! You should be more practical.

If you scored from 10 to 16 points, then you belong to the category of such people who can sit without a penny for quite a long time, without making any efforts to look for work. But if you have money, then you will not be spending it. The financial solvency of a man is not the main thing for you, but still you will be glad if fate brings you together with a rich guy, and even with such a person who will teach you how to spend money rationally.

If you scored from 17 to 22 points, then you only need money in life. But nevertheless, it didn’t hurt to ponder over the popular wisdom: “You cannot take anything with you to the next world” and “money is not happiness”.

Beware of borrowing!

Oddly enough to realize this, but the greatest number of problems in life arise from the one who has the habit of borrowing money. Money is a universal instrument of exchange, a measure of all material (and many moral) values, it is a product, it is, finally, an organism. Many people earn money by hard work, others - by criminal means, but there is another stratum of people - those who "grow" this money.

The last lesson is at the intersection of banditry, hunting and predation. It is called usury - lending money at interest.

Since the time of Moses, this occupation has been considered shameful and despicable. Thus, in the book “Exodus” it is written: “If you lend money to your brother, a poor man, never act with him like a usurer. You are not allowed to impose interest on it. " Aristotle writes in his “Politics”: “The usurer is hated quite rightly, because his money itself became a source of income, and is not used for what it was invented for. For they came into being for the exchange of goods, and interest makes more money out of money. Hence their name (born). And those born are like a parent. But interest is money from money, so it is the most disgusting to nature of all occupations. "

If we translate literally the text of the Greek original, then in the Gospel of Luke we read: "... and lend, without expecting anything," and the Council of Nicaea, held in 325 AD, forbade all clergy to charge interest. The punishment for those who violated the ban was immediate deprivation of dignity. In 1139 the Second Lateran Council decreed: “Whoever takes interest must be excommunicated and accepted back after the strictest repentance and with the greatest caution. Interest collectors who have not taken the path of truth before death cannot be buried according to Christian tradition. "

Martin Luther (1483-1546) passionately denounced moneylenders many times: “And so the moneylender and the curmudgeon are really not a man; he sins not humanly. He must be a werewolf, worse than all tyrants, murderers and robbers, almost as bad as the devil himself. He sits not as an enemy, but as a friend and fellow citizen, under the protection and patronage of the community, but he is more disgusting than any enemy and killer-arsonist. Therefore, if street robbers, murderers and criminals are wheeling and beheading, then how much more must first be wheeling and torturing all usurers, expelling, cursing and beheading all curmudgeons ... "

In our country, with the advent of commodity-money relations, people forgot about all these common truths and began to earn money on their neighbors, lending money to each other at extortionate interest and borrowing from others, while mortgaging their houses and all property (and their own, and often their relatives). And of course, they all lost their funds, except those who, with the help of brute force, managed to knock them out.

Therefore, no matter how hard it is financially, remember the main truth: "You take someone else's for a while, and you give yours forever." Never borrow money from friends (if you don’t want to hate them) or from relatives (if you want to maintain good relations with them). And never lend to friends or relatives (if you want to preserve friendship and love).

Before taking a loan from a bank, imagine with your own eyes where you will go when your main, main and only valuable property - a place to live - an apartment is taken away from you? Replenish your army of homeless people or recruit for hard work with housing in a kennel? And the fact is that armed people will definitely try to take your apartment away from you and they will do it with full right and without fear of anything, this will surely happen. After all, for this reason this whole usurious operation was started. It was not for nothing that the banker spent on an advertising campaign, informing everyone around that he would gladly give everyone any amount of money, but ... on the security of an apartment. Isn't that why there are so many homeless people in the city now - more than in previous years? Usury cannot be prohibited - it is a widespread financial operation throughout the world, moreover, it is the basis of all banking. People mortgage palaces, ships, factories and ... more often than not they are deprived of them! But in enlightened Europe, a bankrupt financier moves to live in a "cheap hotel", in our reality it turns out to be a dormitory of a brick factory ...

So it’s best if such thoughts of taking out a mortgage on the security of an apartment never came to visit you, no matter how tempting a deal is planned. For a loan secured by real estate is a rather difficult test in the conditions of the capitalist West, where people have a decent salary and social guarantees. In our country, taking a loan secured by an apartment is the same as leaving yourself and your children without a livelihood.

No less stupid and hopeless business is to bring valuables to a pawnshop. There you will be given hardly a fifth of the value of these values ​​and will immediately deduct interest. In vain do you comfort yourself with the thought that by the end of the month the situation will improve and you will be able to redeem the chain or ring. You will never be able to redeem them, because when you receive this money, either it will not be enough for a redemption, or you will be asked for such an amount that it seems completely inappropriate to redeem your property. Better then just sell your valuables and forget about them.

Family budget

For the family budget, large expenses for the purchase of a valuable thing are not so dangerous as careless daily expenses of seemingly insignificant amounts. Even the most frivolous people pre-think and discuss a large purchase, and small daily expenses are usually considered unworthy of attention and accounting, and in sum, they are the ones that make up significant extra expenses.

Money loves counting! The trouble for many people is that they do not understand this and live like grass grows, flourishing when there is money, and tightening their belts tighter when there is none. A young housewife needs the ability not only to distribute family funds for the next two weeks before receiving the next salary, but also generally correctly, reasonably plan their funds, balancing income and expenses throughout not only a month, but also a year. Lack of calculation in the household inevitably leads to serious difficulties in family life. Lack of money turns into a hassle, and that develops into violent scandals, often undermining the dam of family life to the very root. Let's put it bluntly: not always the cause of these difficulties is only excessive wastefulness, sometimes it can also be unjustified thrift, in which money is not spent in a timely manner, even in the most necessary cases, on the most necessary things.

One of best ways Determining how you spend your funds, whether you are spending them right or wrong, is a daily expense record. Believe me, no good economy can be conducted spontaneously, without planning. If you do not want to sit on dry rations, distributing pennies for the remaining days until payday, immediately sit down and calculate your expenses on all days of the month, including weekends. How much money do you need for a family per day? Travel expenses, newspapers, breakfast for a child, lunch for a husband, dinner for a family - try to take into account literally every little thing, including the cost of bread and meat - add up! An economical housewife must learn a firm rule (the wisdom of old Russian household books teaches us this): use money for food only for its intended purpose!

It's okay if you have no money left either for the theater, or for a new dress, or for shoes, or for a vacation, or for .... The main thing is that now you already know exactly how much you must have by the beginning of the month in any case. And your main task is to have this amount by the beginning of the month by all means! And then you do not have to borrow from friends "until payday" or carry things to the pawnshop.

If you have achieved this, then the rest is already easier - you can try to start saving. And then you can already count on what of the things you need to buy in the first place. And this will help you in the first place

Income and expense book of an economical hostess

The victorious, intoxicating fanfare of the wedding celebration died down, and the young hostess, for the first time, having tied an apron around her waist, enters the kitchen ... How to start to master the complex world of family life ?! First of all, with the study of the family budget. It is necessary to compare her income with expenses.

For this, it has long been practiced in Russia, Ukraine, in Western countries to keep the income and expense books of an economical hostess, which is filled with a cumulative total every day.

It includes the columns: Total family income (annual, monthly, daily), which consists of the wages of family members, bonuses, fees, winnings, state insurance deductions, inheritance receipts and side earnings. General expenses: for food, rent for an apartment, kindergarten services, purchase of material values ​​(furniture, clothes, shoes, books, transport, etc.), housing construction, cultural and entertainment events.

Expenses are recorded on a monthly basis, except for the costs of drinks and cultural and entertainment events, which are recorded daily.

For example: real monthly income of a young family of 2 people. is 6,000 rubles. Expenses: for food - 3600 rubles, payment for an apartment, kindergarten - 500, transportation costs - 1700, cultural and entertainment events - 200 rubles.

Given the meager family budget, a young hostess can only allocate 3600 rubles for food, that is, 120 rubles a day!

In our time of insane prices for food and manufactured goods (10-15 times against the level of 1965), a young family of 2 people. it’s very difficult to live on that amount per day. It is necessary to abandon the cultural and entertainment program, the acquisition of things and seriously think about earning extra money.

What is the income and expense book of an economical hostess?

This is an ordinary notebook with a format of 100x140 mm, 150 pages.

At the end of the month, the results are summed up.

At the family council, you should discuss budget items for the next month. Today, not knowing how to properly distribute the budget, many lead the family "ship" blindly, "at random", enduring hungry storms and wallowing in puddles of debt.

Naturally, the income and expense book is not an idle invention of zealous and stingy old-world and Western housewives, spoiled by an abundance of products on store shelves.

The Russian "broad soul" and hospitality have become part of the traditional life of our families. Many housewives, without thinking about the consequences, spend 1/3 of the monthly family budget for a random, unnecessary party, and doom the family to a half-starved existence.

After three months, you can try to draw up your own "quarterly" and then "annual balance sheet". It goes without saying that no one will return the money spent to you, but an analysis of daily expenses, their monthly total, a comparison with the previous month or with the same month of the last year, with great obviousness, allow you to determine which expenses were unnecessary, which were necessary and appropriate. Conclusions from such an analysis make it possible to reduce or increase this expense at the expense of more or less what is necessary.

Some housewives object to recording expenses, explaining that they only spend what they have and do not buy anything extra. But after all, it is not always possible to immediately determine whether the expense was unnecessary or necessary. And besides, it is far from always possible to afford to spend everything that you have.

Every economy needs reserves. The household also needs them, no matter how small it may be. Family savings create such reserves. They, these savings, are usually calculated for all those cases that are associated with unusual, increased costs: travel or excursion during the vacation, purchase of a fur coat, new furniture, apartment renovation, purchase of a car, etc.

Having money at your fingertips is the easiest way to waste it. Therefore, use the services of a savings bank, even when it comes to small amounts: this is a kind of financial discipline of the household.

Be sure to keep a personal diary. It is quite possible to combine it with an income and expense book. In it, you will record not only daily expenses, but also new recipes, useful information and tips on household... In the same notebook, you can make a plan for housework for the near future, the next season or a week, here you should keep a record of daily expenses. You will soon get used to your diary and the entries in it, and they will become necessary for you.

Check your financial receipts, start keeping track of the money spent - and you will almost immediately find that there is a serious hole in your financial well-being dam. Try to repair it immediately. Almost always, money has the ability to "flow away", and at the most inopportune moment. This is their main ability. But as soon as you put their "flow" under your own strict control - immediately expect changes. This does not mean that you will stop spending altogether - it just means that you will start spending money smarter, more logical, and therefore more rationally.

In any situation, there are primary costs and those that can wait, and in no case should one be confused with the other.

The ability to distinguish the first from the second is the basis of the well-being of a good family man, and not at all the ability to make a lot and quickly earn money. The world knows many rich people who were born with what is called "with a silver spoon in their mouth", who quickly and cleanly squandered their fortune. There are an incredible number of traps for your funds in the world. One of the main such traps is financial games, gambling establishments, lotteries. All their activities are based on one principle: a huge powerful organization with incredible tricks, rude flattery and active impudent advertising took up arms against you in order to rob you of all your money. Don't believe that a bouncing roulette ball or lottery ticket will make you rich. Most likely, these will be the tools in order to completely deprive you and your entire family. Unfortunately, people don't understand this well.

Today is a story about what saves the hostess's time. Something that can be used many times and what makes our stay in the kitchen a "witchcraft" for the rest of the family.

Post content:
1. Square meatballs
3. Universal soup dressing
4. Cheese Pesto Sauce
5. Bolognese sauce.

1. Square meatballs

Meatballs is a very convenient semi-finished product for freezing. You can do a lot of them at once, so that there is a supply in the freezer. But their creation takes too much precious time. Therefore, we will adapt an ice mold for these purposes. Labor and time costs are minimal, and the form is original.

We need:
... Minced meat for meatballs (half a kilogram of minced meat, 50 ml. Milk and crumb of half a loaf. Salt and pepper to taste)
... Form for ice (this amount of minced meat will need 3 standard forms)
... Wide knife or spatula

Preparation:
Tamp the minced meat tightly into ice molds. The denser, the neater our meatballs will turn out. Remove the remains of minced meat with a wide knife or spatula.

Freeze.

After 6 hours, take out the mold from the freezer and take out the finished meatballs. To make it easier to do, it must be lowered for 10 seconds into hot water so that the bottom and walls of the molds are under the water, and the top (where the minced meat is) is not covered with water. Then carefully insert a thin knife into the gap between the meatball and the side of the mold, press down and take out the meatball.

We put the finished meatballs in a bag or freezer container and send them back to the freezer.

Everything! Now they are even in soup, even in the oven, even in a frying pan.

2. Concentrated broth - the basis for the soup

I would like to show you an example of another way of rational use of money for food and your own time. We make soups a lot. In fact, we eat them every day, only in the summer they are lighter vegetable soups or pureed soups, and in winter the soups thicken and grow fat. Apparently, a chilly organism requires two qualities from food: the presence of meat and "so that the spoon stands." Therefore, it is better to cook the soup in two stages: first, make a concentrated meat broth, and then dilute it with water and add vegetables to taste and mood.

From one liter of such concentrated broth, 5 liters of meat soup is obtained. Considering that a standard portion of soup is 350-400 g, then four liters of concentrate is enough for 50-57 servings of soup. The cost of one portion (excluding vegetables such as potatoes, cabbage, onions and carrots is always inexpensive) - about 5 Ross. rubles. So soups are not only healthy, but also very cheap.

The most rich meat soups obtained from a pork knuckle. It is not expensive, and the broth from it turns out to be great. Pork knuckle can also be substituted for beef leg. How to prepare concentrated meat broth?

We need:
... Pork shank - 1.5 kg. One kilogram of a shank costs about 150-200 rubles. I strongly advise you to buy not frozen, but chilled shank, so as not to accidentally buy stale meat.
. Bay leaf, black peppercorns, 3-5 cloves buds.
... Salt to taste

Preparation:
Wash the shank, put it in a five-liter saucepan and cover with cold water for 1-2 hours. After that, scrape the skin with a knife to accurately remove all possible dirt. Wash the shank again and fill it with clean cold water.

Place the saucepan over medium heat. When the water boils, reduce the heat and remove the foam. The fire under the pan should be such that the water does not even boil, but flutters a little.

The shank in this way should languish for about four hours. During this time, she will give all her juices and most of the fat content to the broth. As it boils away, the water can be topped up. Add spices and salt 20 minutes before cooking.

It is very simple to check the readiness of the shank: the meat should easily separate from the bones. It will be impossible to pick up such a piece with a fork - it will immediately disintegrate. The finished broth will be dark yellow in color.

Remove the shank, strain the broth through a fine sieve. After removing the shank, about four liters of concentrated broth should remain in the saucepan.

Disassemble the meat into small pieces by the fibers. We no longer need bones, skin and leftover fat (you can give these leftovers to a yard dog). Distribute the meat itself in four liter jars and add broth into them (but not to the brim).

Actually, the concentrated broth is already ready. Part of it can be used immediately, and part can be frozen. It is necessary to dilute such a concentrate with water in a ratio of 1/3 (about another liter by volume will be occupied by vegetables). And then proceed as with an ordinary broth.

That, in fact, is all. It turns out to be a big saving not only of money, but also of time, since the preparation of the next portion of the soup will no longer require cooking the broth. And twenty liters of soup is a long time, even in a family like yours.

3. Universal soup dressing - a lot at once.

With the onset of cold weather, cold soups, okroshka and light mashed soups practically disappear from my menu. They are replaced by hot and thick dishes: cabbage soup, borscht, hodgepodge, pickle, etc. I noticed that for the preparation of most "winter" soups, you need to do the same operation: boil the meat broth and fry the onions with carrots (parsley root, celery or parsnips) in vegetable oil. On average, the soup is cooked for about 2 hours. Of these, one and a half hours are required to complete these two operations. If you optimize these two processes, then even a very slow hostess will take no more than half an hour to cook the soup. How?

We have already dealt with the preparation of the broth, its freezing and storage (using the broth prepared for future use gives +1 hour of free time). Now it's the turn for frying. Everything is simple here - you need to do a lot of it at once to be enough for several times. I calculated that making a universal dressing for soup in bulk (just for six large pots soup, takes 30 minutes), but saves two and a half hours of invaluable time in the near future. I'd rather spend those two hours walking with my child than slicing onions and peeling carrots. And you?

Soup dressing.
The total and active cooking time is 30 minutes.
Quantity - 6 large pots of soup.

Ingredients:
... Onions - 2 pcs. ... Carrots - 2 pcs. ... Celery root - 1 pc (small or ½ medium). Bulgarian pepper - 1 pc. (in winter, you can use already pre-frozen and sliced). Garlic - 4 cloves. Tomato paste - 4 tablespoons (or tomato sauce 6 tablespoons). Parsley is a bunch. Dill is a bunch. Vegetable oil - 1 glass (you need a lot). Salt - 3 tablespoons

Preparation:
1. Peel the carrots (4 minutes).
2. Pour 1/3 cup of vegetable oil into a frying pan and heat over low heat (1 minute).
3. Peel the onion, finely chop and fry in vegetable oil (4 minutes).
All frying is done without a lid over low heat.

4. Peel and finely chop the garlic. Add to the onion and stir. Fry. (4 minutes).
5. Three carrots on a coarse grater and add to the pan.
Add another 1/3 cup of oil and fry, stirring occasionally (5 minutes).

6. Peel the celery and three on a coarse grater.
Add celery and the remaining oil to the pan, stir and fry (5 minutes).

7. Peel the pepper, remove the seeds and the stalk. Cut into cubes.
Add together with the tomato paste to the pan, stir and fry (3 minutes).

8. Add finely chopped greens, mix, salt and fry (2 minutes).
You need to salt to taste, and then two more times the same amount. It takes me 3 tablespoons of salt. It's okay that the dressing will be oversalted - it will only be stored better, and the future soup does not need to be salted.
All is ready. It took us almost 30 minutes to make the dressing for the soup.

After the dressing has cooled down, you can put it in clean glass jars(I fit in one liter jar). Pour the centimeter remaining to the edge of the can vegetable oil and send the jar to the refrigerator. In this form, it will be stored for up to two weeks. If part of the dressing is used, then the top layer in the can must be coated with oil again.

4. Pesto sauce - cook, store.

With the advent of this sauce, our family practically stopped adding mayonnaise to all dishes. Now the place of the universal additive is taken by Pesto sauce ("cheese sauce"). In addition to the classic use - when preparing pasta or vines, it can act as a dressing for salads, added to soups, vegetable stew, meat or mushroom dishes, and just spread on bread. In general, like mayonnaise, only tastier and healthier.

The almost daily presence of Pesto sauce on our table does not mean that we have to prepare it every day. You just need to know how to store it so that it stays fresh for up to two weeks. It is for this period that a half-liter jar of this sauce is usually enough. Once cooked, it smells like an Italian restaurant in the fridge. Worth homemade sauce several times cheaper than in stores, and the taste is different in an advantageous way. It is quick and easy to prepare - nothing needs to be boiled, fried or baked. I'm telling you.

Pesto sauce
Total and active cooking time - 20 minutes
Cost - $ 3

Ingredients:
... Cheese hard varieties- 200 g. If you have the opportunity to get pecorino cheese (sheep's cheese), then use it. If you live in reality, then Parmesan. And if in a cunning way, then any other hard cheese taste. The taste of the cheese is not so important here - all the same, garlic and basil will be in the foreground.

Basil - about 1 cup chopped. If in our northern countries it is very difficult to find basil in the autumn-winter period, then it can be replaced with 2 tablespoons of dry + a large bunch of fresh parsley.

Nuts - 100 g. If financial resources permit, then pine nuts. But varieties of sauce with walnuts or hazelnuts also have the right to be. The only warning about walnuts- they must be fresh, harvested no more than 3 months ago (we have fresh nuts on the shelves at the end of September and until February are quite suitable for consumption).

I advise you never to buy already packaged walnuts, since they only have a limitation period for the very fact of packaging. Old walnuts taste bitter and can ruin the whole sauce. It is better to buy by weight and be strictly interested in when the crop was harvested. Fresh walnut kernels have a light skin. If, despite the request for fresh ones, they try to slip dark brown or shriveled nuts into you, then you have every moral right to be rude to the seller.

Garlic - 4 cloves. We in the family love garlic in this sauce very much, so we exceed this norm by 2 times. But for the first time, try to get by with at least 4 large cloves.
... Olive oil - the amount depends on the gravity of the sauce.

Preparation:
Peel and crush the garlic cloves using a garlic press. Chop the basil finely, mix with the garlic and, armed with a marble mortar and a wooden pestle (or an aluminum saucepan and a wooden crush), crush everything together until homogeneous mass... You should get a vigorous green and very odorous mixture. Those who are especially lazy and in a hurry can use a blender, however, a blended mixture is less odorous than a hand-crushed one.

Grate the cheese on a fine grater.
Finely crush the nuts and add to the future sauce.
Mix the cheese with the garlic, basil and nuts mixture.

You should get a fairly viscous mixture, reminiscent of plasticine. To dilute this mass and add plasticity to it, add olive oil in a thin stream. In this case, the future Pesto sauce must be stirred all the time.

That's it, the pesto sauce is ready.

For storage, transfer it to a clean, dry half-liter jar (tamping tightly), and pour 0.5 cm of olive oil on top. Such an oil pillow, firstly, will prevent the sauce from drying out and spoilage, and secondly, it will reduce the intensity of its smell (I warned that in the refrigerator, in which there is a jar of sauce, it will smell like Italian restaurant). If the sauce is used, then the oil from the jar must first be drained, and then refilled again so that it completely covers the sauce. It can be stored in this form for up to two weeks, but, as a rule, it is eaten even earlier.

5. Bolognese sauce. Cooking, freezing and storing.

A friend of mine works in an Italian restaurant. She once confessed that restaurant diners are almost never served fresh, freshly made sauces. For example, the Bolognese sauce is prepared once a week in two five-liter pots, and then frozen in portions. If an order comes from a client for a dish with this sauce, then it is taken out of the freezer, and while the pasta is being cooked, it is defrosted and served under the guise of fresh. She claimed that not a single person has yet been able to understand that he is eating a frozen semi-finished product. Nobody complained, only praised. So I thought: why shouldn't I also adopt this principle? If this is practiced in a good Italian restaurant, then even more so it is permissible for me.

The results of my subsequent experiments with Bolognese sauce showed that, indeed, it not only freezes well, but also tastes the same as freshly cooked. Since then, I have been preparing this sauce immediately in a large number... I freeze in portions in 200 gram cups. Thanks to such supplies, dinner is prepared almost instantly: while the pasta is boiling, 2 glasses of sauce are defrosted in the microwave (for my husband and me). And after 15-20 minutes, not just banal pasta is served for dinner, but Pasta with Bolognese sauce (sounds!). Also, this sauce can be the basis for cooking lasagna, served with potatoes or stewed vegetables.

Bolognese sauce
Total cooking time - 40 minutes
Active cooking time - 25 minutes
Servings - Seven 200g cups are obtained from the given number of products.

Ingredients:
... Minced meat - 400 g (beef + pork). Onions - 2 pcs. Garlic - 6 cloves. Mild green pepper - 3 pcs. Tomatoes - 5 pcs (in winter you can replace it with 3 tbsp. tomato paste from 1 tsp sugar). Olive oil - 50 ml. Dry wine - 120 ml. Dried basil - 1 tablespoon (in summer, you can use fresh - 1/3 cup chopped). Dried mint - sprig (usually dried mint is sold in the spice department, but if not, you can gut a bag of mint tea, which is sold in any pharmacy). Salt to taste.

1. We put the kettle on the fire (boiling water will be needed a little later for blanching the tomato).
2. Fry minced meat in olive oil.

Since you will get a lot of sauce, I advise you to cook it either in a large and deep skillet, or in a saucepan with a thick bottom.

3. While the minced meat is fried, finely chop the onion and garlic. Add to the minced meat and fry too, stirring constantly.
During this time, we manage to finely chop the green pepper.

4. Peel the tomatoes (this is where we need boiling water) and chop finely too.
When the minced meat begins to brown, add the chopped pepper.

5. After 3 minutes add the tomatoes. We close the lid and simmer everything together for 10 minutes.

6. Add wine, spices and herbs. Stir, cover and simmer for another five minutes, after which the finished sauce can be removed from heat.
That's it, the Bolognese sauce is ready.

Tip: For freezing, you need to let the sauce cool down and only then pour it into plastic glasses. You can store at a temperature of -18C for up to two months (I'm sure it will end much earlier).

P.S. I specially searched with Google for a recipe for this sauce. I discovered about two dozen recipes of different composition of products, which claim the title of "real Bolognese sauce". I cannot guarantee that my version of the sauce is "the same", but I guarantee that it is delicious.