Many of us understand that the rich is not the one who earns a lot, but the one who knows how to save. So how do you learn to plan your family budget?
Instructions
Step 1
Let's say no to impulse buying. Loaded store shelves and pulls to grab some appetizing and beautiful little thing. But try to give up such unplanned purchases forever. Follow a carefully thought-out grocery and merchandise list so that impulsive urges don't drain your budget.
Step 2
Good advertising is not yet a reason to buy a product. Marketers know their stuff, so they always find clues to get your attention. Choose products only based on the recommendations of your friends and family. Firstly, you will definitely buy effective products, and secondly, you can find a similar product at a lower price. Perhaps its packaging is not delightful, but the contents will delight you with excellent quality.
Step 3
Financial budget. Keeping your expenses in mind is not practical. You will not be able to objectively understand where all your money is going. Therefore, write down what you bought and how much it cost every day. By the way, before you punch a check, you will think once again whether you want to write down this purchase later in your expenses.
Keeping a budget is not difficult at all. Today there are many computer programs that automatically calculate all the information for you, you only need to enter data on income and expenses.
Step 4
Forget about loans. Such a seemingly profitable "magic wand" actually forces you to spend more money. She provokes you to make rash purchases. In addition, while the loan is being paid off, better and more efficient goods may appear in the world. And at this time you are standing in one place …
Step 5
No shopping on payday. Train yourself that shops are closed for you on payday. Indeed, during this period, you become vulnerable to uncontrolled bouts of shopaholism. I would like to delight myself with new purchases, go to a bar with friends, have a fun and chic. And the next day, your wallet becomes much thinner.
Step 6
Withdraw money from the card. Cash is more reluctant to spend than money from a card. After all, they are not perceived as something real. Therefore, it is not surprising that people internally find it easier to pay with a card.
Step 7
Review tariffs for communication services, internet, utilities. Perhaps some companies can offer you new promotions and offers that are many times cheaper than those that you have activated now. For example, cellular operators do not notify their subscribers about the appearance of more favorable tariffs. What for? After all, you are already paying them money.
Step 8
Don't lend. If a person cannot control their expenses, do not encourage them to do so. Each of us must learn to proceed from what he has. Therefore, it is better to invest your money in profitable businesses, for example, in self-education, buying new textbooks or enrolling in advanced training courses.
