Borrowing is the easiest way to get the missing funds to pay for something. At first, this helps out, and then it can lead to much more complex financial problems, because you will have to give your money.
Instructions
Step 1
Don't spend more than you earn. To do this, make yourself a list of all the necessary expenses due until the next paycheck. Distribute the available funds between them in such a way that a quarter of the money remains free. Spend this part on unforeseen expenses, or, even better, hide in a piggy bank.
Step 2
Buy clothes during the sales season. This will not only allow you to buy more good things at a price closest to their original cost, but also leave a few extra pennies in your wallet.
Step 3
Forget about your credit card. Most banks take commissions for using them, the payment of which is money wasted. Make all purchases only in cash withdrawn from your salary card. If you do not have enough money for something, do not buy this thing. Perhaps the next day she will not be needed at all.
Step 4
Buy large and expensive items before your paycheck, not immediately after you receive it. Once you've got a decent amount of money, don't rush to the store to update your wardrobe or buy other items. After all, this way you can easily spend half of your salary. But until the next one still live and live Leaving such purchases at the end of the month, you not only will not get into debt, but you can also save your finances well, knowing that there is a big waste ahead of you.
Step 5
To pay off one debt, do not get into a new one. This will not solve the problem, it will only delay it a little.
Step 6
When repaying a loan, in any case, do not overdue monthly payments. After all, your debt in this case will increase every day, and it will be even more difficult to pay off it later.
Step 7
Earn money. After realizing that the remaining amount is not enough to live without debt until your next payday, come up with a way to earn extra money. You can repair something, make or sell a dusty thing at a flea market. There are no hopeless situations.
