If, despite a good salary, you are often left penniless, you need to reconsider your attitude to money. Learn to manage your personal budget wisely, and then you will not only satisfy your needs, but you can also set aside some amount for the future.
Instructions
Step 1
Analyze your expenses. If you find it difficult to tell how much you spend on food, entertainment, or clothing each month, keep track of your purchases for two months. You should not only write down how much you spent on what, but also identify how much was spent on completely unnecessary things. Avoid unnecessary waste in the future.
Step 2
Control your daily expenses. Determine the amount you can spend on food, transportation, and other expenses in one day. Do not exceed this limit. If you can't resist buying something over and above the planned amount, you will have to cut your daily amount on other days.
Step 3
Allow yourself small pleasures. If you don’t do this, you can get lost and spend a very large amount on unnecessary things.
Step 4
Set aside a certain amount of each paycheck for a bank deposit. So you will not be able to spend money on a spontaneous purchase, but if you really need this money, you will withdraw it from your account.
Step 5
Fight shopaholism if you are prone to it. In this case, you are buying a huge number of things that you will not use, only out of a desire to make a purchase. This behavior can be caused by dissatisfaction with other aspects of life or not knowing one's own goals. If you don't like your job, your home, your figure, or the person around you, mindless shopping won't solve your problems. With him, you will only have one more - the lack of money for the necessary things.
Step 6
Refrain from getting loans if you cannot balance your budget. Better save up the required amount.
Step 7
Set aside money for groceries and an apartment as soon as you receive your paycheck. These amounts should be inviolable.
Step 8
Make a list before going to the store and stick to it strictly.
Step 9
Manage your finances using special programs or online services such as EasyFinance or Personal Budget.
