From the most young years I have always been a trainee. And I sincerely did not understand what I am different from others? I do everything else! But I always had the biggest account in the cafe, in the store, traveling. Actually, for me it is still a mystery. I call such a phenomenon with my "trend." Say, yes, I have such a trait or ability.
But, knowing this feature, I just learned to work with her. Fortunately, I have a husband, who in this sense is my full opposite. He spends surprisingly little and at the same time enjoys life. That is, on the one hand, I have an example and external, restraining factor from unnecessary costs.
On the other hand, I made a colossal internal work to figure out how this mechanism works and works. And I myself figured out that, if consciously approach the case, you can really save a bunch of money for really important things in the life of things. In addition, money is equivalent to our vital energy. Why do they waste them?
Source Photo: Flickr.com
After drawing up its financial plan, you probably realized: future goals are extremely important for you, and you still have no money for them in the budget.
All know the revelations of Winnie Pooh:
"Honey is a very strange subject.
Each thing is either there or not.
And honey, I do not understand what the secret is
Honey if it is, then it is not immediately. "
Most people have the same mystical relationships with money. Each thing is either there or not. And the money is if there is, they are immediately not. In my opinion, it is said ingenious! :)
So, how to tame and settle this wild horse - expenses?
Here you need to thoroughly deal with three issues.
1. What is more important from all the points of your list of happiness? Priorities.
For everyone who "runs" in our marathon from the very beginning, a list of long-term goals has already been drawn up. (We did it). I call him - a list of happiness. :) Say: "I'll do it, and I will be happy!". And if there is no happiness, then why do we do it, right?
This list is now important to complement items that make up your happiness today. Then, without which you can't be happy one hundred percent. Continue to fill this table, enter it all you need today: training, sports, massage, beauty salon, beautiful clothes, travel, charity, English, dancing, play guitar, go to the restaurant once a week, dining in Cafe, visit parties and clubs, etc.
Money for all wishes usually always lacks. If you earn 50 thousand rubles - you dream of an apartment for 4 million rubles, if your income is 250 thousand rubles - about a block for 20 million. The standard of living is different, but the problems are fundamentally the same. So we are arranged that desires grow faster than income.
What to do?
Put priorities!
Look carefully on the items on your list of happiness and put an assessment of the importance of them in your life as a whole. Enough on a three-point scale:
1 - what should be necessarily! Do not implement it - unacceptable. If this is not, then you will be bad!
2 is very important if you can't implement, you will be disappointed, but in general, you will not have an unsolvable problem.
3 - I would very much like, but by this you can donate in favor of other purposes.
Evaluating your desires, dreams and goals, open the data of your expense accounting, (which, I hope you have been driving for 14 days while our marathon lasts), and compare - what is important to you, and what you spend money - Do these categories match?
Unfortunately, people often want some things in life, and money spends completely different! Here is a very bright example:
"When I began to lead a family budget, I discovered an interesting thing. It turns out that only 2% of the funds earned, I put in education and self-development. Somewhere 60% I went to utility payments, for servicing a personal car, for products, for the purchase of some things, on communication services (telephone, Internet).
And now the attention is the remaining 38%, I expeded to entertain. This cafe, restaurants, nightclubs and disco bars. Here I had a system of values.
I realized that I simply lived my life, thoughtlessly gave my earned money to the owners of entertainment institutions, which visited (if to say to gently). It was a serious blow to me and forced the root to revise the value system and decide on a further life.
The family budget has helped me realize what my life goes to which I spend the lion's share of my resources, both material and personal, and correctly determine the priorities of my further development. "
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Olga, file questions:
1. Sheet of income and expenses accounting. To look at the cost of expenses, do you recommend creating a cost file for every month? Or to sum up at the end of the month, wash everything and start up with the conclusions for the last period?
2. List of expenses plan. How to understand how much I planned for this year if I changed the figures for different years? Print a sheet of each year separately?
3. Where in a sheet of cost accounting and income, you can see the balance on the current date to read the wallet and card data at the end of the month?
1. The table for accounting income and expenses is provided for a month.
Each new month needs to create a new table. I usually carry a completed table at the end of the month to a separate file "costs. Archive", and the work table issues for a new month, I create a plan for the next month and starts to fill it with new data.
2. Expenditure plan for the compilation of the LFP. Yes, the figures for different years may change: loans ended, the child was born, began or finished school - this changes the amount of expenses, of course. You can simply simulate the cost of each such period, record the result in the LFP and not save this data. But if you want to save, just make a few doubles of this table. Perhaps in a separate file it will be more convenient to do it in order not to stick the work file.
3. In the accounting table of income and expenses, you can watch the balance for each current point in time in the "residue" column :) If you are completely fill out, it should be reflected there. If not reflected, override the order of the instruction, there are explanations.
I hope you will succeed! Successes!
Interesting article, thank you!
I have the biggest consumption - communal and food. Love for cafe and snacks (Hmm, Kalambar) is a fair part of the budget. I hope to follow the strict list of shopping at least a little resolves spending on random snacks.
Polina, that is, it is not known you eaten snacks or snakes eat your budget :))) really minor expenses, snacks first - champions in this matter. If you already know this for sure, then the cost accounting and lists will easily help you cope with it.
Very effectively take food with me, if the situation at work allows. Not only that this half will save the cost of food, it is also much more useful.
Lunch I almost always take with my home. But it does not save from buying snacks along the way and at work (oh, this "convenient" machine with snacks!). However, after I considered how much it takes exactly on snacks and at a cafe (30% and 20%, respectively, from all spending on food), there is somehow somehow I do not want. Correctly from your own waste, and it also became clear where the extra four kilos came from.
Exactly:)))
Caught in the topic: http://files8.adme.ru/files/news/part_86/860610/13552360-r3l8t8d-650-o-07.jpg
Thank you very much for the interesting marathon!
We have three largest expenditures - as increasing - mortgage, communal and products. And if in the last paragraph I still see the path to a decrease by a third (although we are so well economically treated with purchases), then the first two, IMHO, uncompanied (
at first glance, the communal and mortgage, of course, do not reduce so easily.
I do not see your situation entirely, so I will say common things:
on a communal service - deal thoroughly for what you pay, maybe there are payments from which you can refuse. Then all possible energy-saving technologies, counters, two-tonic counters, taps (water economy, type on the Internet), etc.
Mortgage - It is important to understand that this payment is not descended from the heavens, it can also be regularly changed, updated and so on. If you took the mortgage last year, the rates are now less, you can talk about it with your bank. If the bank is not ready to reduce the rate, then you can be converted. Follow the best bets on credit worth regularly while you have loans.
Well, at the end, if the mortgage and communal "eat" inadequately a large amount, because of what you can not at all financially develop and achieve important goals in the future, think about it, maybe you gave a lich with a choice of housing? And you can change everything :) it sounds extremely, but if you have an extreme situation, then decisions can help extreme :)
But I hope you have a quiet option :))
Here is an article about the program "Housing for the Russian Family" http://fin108.ru/poleznye-materialy/610/
Maybe there is something inspiring in it for you
I was recently in the bank and the consultant said me that I could be converted ... Due to the fact that I was already frightened by the presence of my two loans in order of about 180,000 (under 21.5%), I didn't even listen. I am writing this and understand that I seemed to be out of the dark forest;))))
How to understand what is profitable to convert yourself?
Maria, it is very simple, you just need to count everything :)
The lower the bet, the less you can pay. Therefore, your search for a lower bet must never stop if you have loans.
But you need to carefully deal with additional expenses at the conclusion of the new and termination of the old contracts
Olga, not in all banks a low rate means a smaller overpayment. Just recently, I saw the calculation of a loan by 200 thousand rubles. with overpayment of 170 thousand rubles. at the lowest rate of 14%. In my opinion, even the bank employees did not understand where what came.
Olga, you will not be able to thank you for such interesting and useful articles and tips :) Remember, in the second lesson, I mentioned the low efficiency of income expenses? I take my words back! I did not know how to do this)))) it's a cool thing, the main thing is to simplify and not throw this occupation, see this goal) Now, when I spend a lot of time with the LFP and with all the folded tabs, I see where to move and what to use resources . Oh, and how much the picture is changing when I will adjust the expenditure items :)))) I think that it will feel each: everything is automatically changing in the table, and the purpose of the goal is reduced in some cases. Thanks!) Regarding this article: Despite the fact that my husband and I buy food products on the list, is the essential part of the budget, I really want to cut, but more?) Instead of veal and pork-meat chickens, carcasses (then we divide everything in parts ), Everyone is preparing myself, instead of Candy-prunes dried, from the flour only bread, sweet, I do not buy a child, exactly like the finished (puree, juices, etc., it is better to prepare myself). And still eaters of our budget-unforeseen circumstances (illness, urgent help to friends or relative, unexpected invitations for birthdays, etc.).
Leah, excellent that you saw how much influences every time spending on the future financial situation. It cuts down, and awareness of money appears by itself. The main thing, continue to work with this and study something new about personal money, about investment :)
As for the costs of products, here lately I am already afraid to give valuable advice :)) Since we have completely switched to raw foods, and I'm still thinking about my own garden))) Because buying products in a super-market I am almost physically I can not. We bought a juicer, choose a dehydrator :) Again, fasting is very healing and cleans the body :)) The first month we spent more money on the meal than usual, but when we figured out that it was easy to eat.
But if we talk about the usual to all lifestyle, it is a very effective way to not only reduce costs, but also to improve the diet is the preparation of the menu for the week and the one-time purchase of products under it.
Drink meat not every day. Simple advice, again healthy health.
It is worth using lentils, nuts and beans, barley.
Dried fruits can now prepare themselves, they will at least be without sulfur (without chemical processing).
Usually in my courses, without exception, people calmly reduce the cost of food by 30-50%. I am surprised myself how it happens :)
My largest costs of expenses are rental housing for a family, various purchases (clothing-footwear for home and the like), products and medicines for mom
And it seems to me that in addition to shopping and products, other categories cannot be optimized. Well, I have already optimized the medicine - it's clear, just looking for the lowest possible prices every time, housing us and it happened to remove the miracle% by 30 lower than on the market and what we expected, products and purchases can of course you can optimize - but I don't want to be optimized))
Svetlana, you know, optimize costs is a very exciting process. When I started keeping accounting of expenses, then the numbers of my spend first were striking me, I began to plan each article a month ahead, and then I had sports interest - how can I cut this consumption without loss of quality? And I do not cease to be surprised, all the costs of which a person would not think seriously, amenable to improving: and products, and utilities, and medicines, without exception.
For medicines, think about the medical insurance of the DMS. This is a big topic, I will not disclose it here, but read about it on the Internet. By the way, get acquainted with the books of Nechuvakina, Ogoulova, Hintshura-Lockamper, Brecha fields, Arnold Eret, William Douglas
In addition, according to drug expenditures, you can make a return of personal income tax 13% (if you have it), with the amount of up to 120 thousand rubles per year
And the optimization of food costs is not even sad, on the contrary, a very interesting topic. What does this process can greatly improve your life :)
Irina, to give high-quality consultation on the circulation of information, of course not possible. But in general terms we can say the following:
you write "according to the site" one digit, and paid another, most likely it is a technical error. Because if they have a certain figure in their own database on the site, then it is most likely that they consider it true.
Therefore, carefully re-read the paper, write a written request referring to the contract and the laws.
I wish you a quick permission of the problem in your favor!
Probably many who have read your comment sincerely will be surprised that the insurance company paid money at all))))))
In fact, the company is much more often paid by their obligations than do not pay. And they may not pay only in line with the law, otherwise they will respond to the license.
I first have a housing for rent, on the second food, and on the third - care for yourself, it is cosmetologists, massages, and small hairdressers, manicures, etc. The lot of money leaves, but I can't refuse, I really want to change the image to a more slender and well-groomed. I divorced three months ago, and it is very important for me to look good now)
Accounting for spending has been leading for a long time, but they never turn out to be planned. Apparently problems with self-discipline, difficult to yourself and others refuse.
I will try to buy everything on the list, and plan a menu for a week, and buying the main products too, many times heard it, finally I will try to perform. But this is after the salary, I have every week a week before it is completely completed :(
Thanks for the good articles.
Thank you for the article! Analyzed its costs - the first place of the mortgage, the second - the food, the third is divided by cosmetics and communal. Surprised because of cosmetics, and it turns out that month was a sale plus I also bought my spirits for gift money (this is my gently favorite hobby).
It turns out that I usually do not buy cosmetics regularly, and being a scruption pulls on sales. And when I'm careful before the sale, then the large amount comes out and I begin to suffer that I spent too much money. And I'm not rowing everything in a row, I pretend that I need something and that, I look interesting to me firms and buy it seems to be necessary, but internally creates stress. Similarly, with appliances - buying equipment for large enough amount (comparable with daily check) causes stress and regret. Stress that money is not enough, but regret that it could b and not buy and stop. It comes out typical diet behavior.
Here's how to spend calmly and not worry?
And it still worries that it turns out I do not manage my purchases, and buy me stimulates sales. Although I buy the right one and if I bought straight directly, I would pay more, I understand it.
In contractions, it turns out that the mortgage you only need to pray that the current is preserved and the next year. On a communal service - there are meters, energoss-saving lamps are, such as saving limit reached. For food - probably you should not buy for later and then somewhere 10-20% of the budget for food will be cut down.
I am very grateful to you, you can not imagine how your marathon gave me a "push" in the analysis of my income and expenses, and the ability to arrange priorities. I was just shocked how it works! The main thing to start all this is! I'm sooooo-very grateful to you! God bless you! I wish you happiness family and many customers!
Whether you wondered why you work, work, and there is still not enough money? Of course, we can say that the needs increase with increasing profits. But there are people who small income And the house is equipped, and the rest flies, and they also postpone.
We advise you to approach the problem on the other side. Abstract while so from the thought of how to earn more, and pay attention to where you are we spend money. Observe these 4 rules, and you will always be enough.
How to handle money
1 .Always plan a family budget. Best do it in writing to not forget about the most necessary things. Of course, sudden costs always appear, but in this case it will be easier for you to allocate money for them.
2 . If you plan too difficult to you, just divide money on basic and your personal needs.
3 . In the case if you do not have a permanent income or he wears a seasonal character (for example, you are involved in agriculture), spend 2 hours of your time and count how much about you need money every month. Thus, you will confidently feel the whole year and, for example, in December you do not have to sit on bread and water.
4 . Our salary for 4 parts. And every week do not use more than the amount allocated.
In addition, always believing money with respect. Keep them carefully: do not sui in different pockets and not mne. Keep your home in purity and get rid of unnecessary things on time. Oriental wisdom says that money never come to an untidy house.
Change your attitude towards money. Remember: they are not the ultimate goal, but only a means of achieving it. We advise you to read the books "Rich Dad, Poor Dad" Robert Kiyosaki and "The richest man in Babylon", the author of which is Cleison George. They will teach you to handle money and help streamline knowledge.
And Jim Ron's books will inspire you on new undertakings, thereby receiving new sources of income. Always develop and plan their expenses. Share gold rules with your friends!
Did anyone teach you to manage your finances? Maybe parents as a child told how to deal with money, or was there a separate subject on this topic? Unlikely.
For some reason, it is believed that only you need to learn money, but to spend them - it's a simple, everyone will cope.
As a result, we do not know how to spend money, you earn enough to go to a three-star hotel or buy a smart phone of the average price category, but we take a loan to go to a five-star hotel, and buy the iPhone of the last model - we are not worse than colleagues.
Even if the expensive purchases do not on credit, then we spend almost all earned money for the year. As a result, the motto "from salaries to salaries" becomes relevant for us.
And also love to go to extremes in relationships to money. Either the money is not interested in: "We are above it, just enough for food," or we believe that there is nothing more important than money, and we make them the main priority in life. Such money relationships will not name healthy.
Money gives freedom, scare and cause neurosis
No matter how much you want to get rid of the influence of money, they still mean a lot. Money is security, comfort and stability, in the end, freedom.
Therefore, few people can indifferently treat money, and even one type of pack of money causes a range of versatile feelings within each person.
Strong emotions are connected with psychological problems - the so-called monetary neurosis, which are present in most people.
Greed, fear of staying without money, and with them without freedom and comfort, excessive waste or already familiar to all shopogolism. A person with such neuroses simply cannot rationally spend money and treat them correctly.
According to Konstantin Sheremetyev, Doctor of Science, scientist, explorer work of intelligence with experience for more than 20 years:
Most of the supposedly financial problems are in fact the problems of psychological.
The worst thing is that with these neuroses you can live all my life. And there are no positive sides in this, as you spend money not on what you really need, and do not receive any pleasure from purchases.
What to do? Understand yourself with your cash neurons and deep needs, change your attitude towards money and make it as soon as possible.
Build healthy relationships with money
To learn how to manage your money and change the attitude towards them, you will not need years of practice - just once to see their mistakes and techniques of their corrections.
All the necessary knowledge on this topic was felt in the small course "Red Wallet" from the doctor of science, scientist, the author of the Bestseller books about the work of the brain, intelligence and the subconscious of Konstantin Sheremetyeva.
Just abreast of 10 classes that help to understand the causes of their greed or waste, realize the roots of the problem and learn the technicians who will help to manage money.
All 10 classes are read in one breath, and there is nothing complicated in them - all the situations with money are understandable and familiar to everyone, and the analysis on the examples generally removes all misunderstandings.
At the same time, there are new techniques about which I, for example, never heard. Take the same rule of three wallets when you distribute money not by costs of expenses, as in countless applications for finance management, and three psychological items.
In general, in the course briefly, but it is already described by all the problems and rules for handling money in different situations: during force majeure, when communicating with relatives or other people, before expensive purchases, during discounts and sales and so on.
And one of the most important, in my opinion, the rules - getting pleasure from my money.
You earn money, you give your time for them, some of your life, and you just have to spend them with pleasure.
And, most amazing, this will also have to learn. After all, getting pleasure is one of the criteria of the right attitude towards the money and the absence of psychological problems with them.
What if not enough money for the life of your dreams? The answer seems obvious - you need to earn more.
However, there are always people with income less than you have, which have something you only dream. How do they get it? They know how to spend money.
Of course, you need to be able to earn, but spend so that enough for everything is special art. One without another does not solve financial problems. How to learn this, read on.
Have you learned somewhere to manage money? Do not take professionals. Maybe there was such an object at school? Or parents shared financial wisdom with you? Unlikely.
And we cope. Who can. We earn three stars and a medium smartphone onto a hotel, but we take a loan for five stars and the latest iPhone model to be no worse than working colleagues. We go to the store for bread, and we return with a whole package of all completely unnecessary all. Girls will understand me.
How to develop immunity to unnecessary shopping
Tell me, are you familiar to the painful fortune when you return home, with misunderstanding and amazement, you just purchased things? And at which time he is perplexed, how and why did it happen?
Almost all of we suffer from a tendency to impulsive, rash shopping. This virus is cunning, it will suggest on the Internet, on the streets, and, of course, among the shelves of supermarkets. It is difficult with him, but still you can fight.
- Turn on the anti-marketer. We perceive the surrounding with 5 feelings. Here it lies the first trick, which sellers are well used.
Color - The goods that we are trying to sell can be packaged in the most seductive colors. Remember that you buy no color, but the goods. These are different things.
Location - With the help of a good location, you can be inclined to buy not what you need, but what needs to be sold. On the shelves and in general in stores there are the most winning places, as well as experts who place those goods there that bring the greatest profit.
Tactile contact "You are forced to take the goods in your hands, things can be laid out on the shelves, and not hanging on the hangers. You have to take them in hand to consider. Consider what you took the first step to purchase. What we keep in your hands, psychologically consider our own, that is, ready to buy.
Smells and sounds - Also help manipulate our condition and behavior. You can create a relaxing pleasant atmosphere in which you want to be. Pleasant odors and sounds can significantly increase the number of items in your basket. Regardless of whether they need you or not.
- Antichlam therapy. Very useful occupation. Examine your belongings using 3 questions:
- When did I use it for the last time?
- When will I use the next time?
- Does it benefit me, joy?
As a result, you probably formed a bunch of trash, from which it is time to get rid of. But do not rush to do it, first we will do one useful procedure.
Write down the cost of each thing at the time of its purchase and count the total number. Make a farewell snapshot of your rubbish, and write from above the amount in which he cost you. Put a snapshot into a wallet closer to banknotes and money. Ready.
- Free pleasures. Remember everything that makes you truly happy: Communication with friends, finding in nature, close and expensive people for you, the best moments of life and plans for the future.
Agree that all the best, what really brings happiness is not calculated in money and simply can not be bought: love, friendship, inspiration, security, peace ... So is it worth spending money on what you end up sending into the trash Basket.
- Change of world view. You paid attention to the return home after a trip to the places where you get into a completely different situation, is everything perceived otherwise? For example, after a trip to the grandmother to the village, the ribs on nature for several days, relaxing on hiking conditions, perhaps business trips.
Running from the usual routine, you are very different seeing and evaluating life. Much seems to be unnecessary husks from which you can easily refuse. At such moments you understand: it only leads to unnecessary waste of money, and then forces and time to earn this money. Use this approach. Take a look at your life at a different angle.
- Be a buyer-boring. Here are seven anti-marketer issues that save you a lot of money. Ask them yourself before buying, and it will protect the contents of your wallet and help avoid impulsive spending:
- I planned this purchase?
- What will this acquisition give me?
- What happens if I do not buy it?
- Where will I keep it?
- What time will I do the content and service?
- How many days of your life will I have to spend to compensate for the cost of this purchase and further maintenance?
- Why do I really buy it?
- Think about a pink elephant. Pulsive buyer - Seller's dream. It is for him that the shares, happy hours, beautiful promises, sales, are intended. But you have your own criteria for determining the value of the goods. Seven questions from the previous paragraph will help you with this.
And in order not to succumb to the impulse, just take a pause. Think about a pink elephant, for example)
A bright image will help distract. And even better, especially if we are talking about an expensive purchase, postpone decision making for a while.
During this time you calmly answer all seven questions. And as it often happens the next day, simply forget about such a yesterday "necessary" and "indispensable" things. Or make sure of its need.
Most financial problems are actually psychological
As if we wanted indifferent to treat money - it will not work. Imagine a pack of money, what do you feel? It may be joy, and fear, and excitement, and anxiety. And much more. Money is measured too much for us. We associate security with them, comfort, freedom.
Too strong emotions are talking about the psychological problems of the so-called monetary neurosis.
Most financial problems are actually psychological. The most unpleasant thing that you can live all my life, never learning to spend money on what you really need, and not getting joy from them. And this is very offensive, because we spend on making money a significant part of your life. And not to receive joys instead - wrong.
What to do? Understand yourself, your needs and cash neurosis. And do it as soon as possible.
First use six tips for each day from this article. And if you want more if you want to build a healthy relationship with money, stay with us.
We all have good and bad habits. Tooth cleaning thread, regular exercise, good night sleep - all this is good habits. However, there are both bad, which can undermine human financial health. To achieve long-term financial well-being, you need to turn off the autopilot and start taking active and weighted solutions and learn proper to spend money.
Get rid of bad cash habits It can be extremely difficult. It happens that they are rooted in consciousness since childhood or as a result of their gaining or are the consequence of a simple lack of knowledge of personal finances. Even with the best intention and disciplined, a person still remains some habits that continue to undermine his cash success. Here are some options for managing habits concerning the spending of money, due to which the confusion in the balance of income and expenses reaches:
1. Avoid any forms of emotional expenses when trying to cope with the transformations of fate - a sort of shopping to raise the mood; Shopping do not solve problems. Set for yourself certain basic rules and unsubscribe from advertising newsletters of your favorite stores.
2. Although lenting money to native and friends is worthy of admiration, but if they are not able to return debt, it can cause conflicts, offense, and spoil relationships between you.
3. Payment for all in the restaurant or bar can be a great reason for pride, but if because of this you are entering debts or postpone important spending, then you have entered too far.
4. Compare and measure success in life, based on what your home you have, or what car you drive is a false parcel. Perhaps you tempt the desire to keep up with "Ivanov", but you do not know whether your neighbors live.
5. Customize "Filter Trat" in your life for expensive acquisitions. Before performing impulsive and expensive purchases, leave at least 24 hours on reflections before making a purchase. It is important to distinguish between needs and desires. If you give yourself enough time to appreciate the need of your purchases, you will also have time to search the Internet more favorable option.
6. If you do not follow your credit history, it can seriously damage your plans for the future. The credit history may affect information about unpaid accounts. Remember, to clear the credit history, it takes a lot of time, and a bad credit history will have a huge financial importance if you intend to take a loan or mortgage.
7. When a period of distribution of increments occurs at work, do not be afraid to ask for an increase. As they say, you will not ask - you will not get, and the overwhelming majority of those who ask, get the desired, be it an increase in salary or a different kind of incentive reward.
8. After paying bills for the month, you decide what to do with the remaining money. To spend them all, instead of laying and investing the balance of money, can become common. Often this leads to the fact that a person has no "stock for a black day", that is, money in case of an emergency. A good idea is to postpone 10% of your income and try to keep the amount for which you can live at least 6 months in the "Foundation for unforeseen expenses".
9. Mix into one bunch of your personal and business life is very convenient, but when the period of filing tax declaration comes, it can create significant difficulties and become a considerable headache for you and / or your accountant. Accountant, of course, will cope with all this, but also requires a higher payment in its time.
10. If possible, try to avoid banking commissions. Banks earn the commissions charged with you; One of those that are easy to avoid is a commission when using an ATM. Do not use third-party ATMs in which the Commission is higher. You should also think about the choice of another bank, which does not charge commissions when using ATMs.
11. If you use credit cards, it would be good to understand exactly what exactly you are doing with your money and how interest on credit cards affect your life. With minimal payments you will leave for years to pay debt.
12. Get rid of all subscriptions that you do not use. Many of us at this time of year make a decision to start visiting the gym to reset a few kilograms, but will not gather there to go.
13. Do not buy coffee, lunches and snacks on a daily basis. Nothing can be done about it - spend money seductively easy, especially for all sorts of little things. Perform a simple calculation: how much per month will one portion of Latte cost you per day?
14. If you do not check the extracts on your bank accounts and credit cards and do not follow your expenses, then you live in a cash coma. Ask a friend, a relative to help with the assessment of your financial situation and together develop a plan for its improvement.
Remember get rich - This is a long process. The accumulation of wealth is entirely depends on you; Do not forget that this requires time, patience and correct habits.
