Money starts to run out, then ends to start … This phrase perfectly reflects the financial situation of most ordinary people. Last but not least, this is due to the inability and / or unwillingness to manage their funds. To control your expenses, first of all, you need to acquire a number of habits and rules.
Instructions
Step 1
Plan to spend at least 30 days in advance. Divide them into items of expenditure (food, clothing, transportation, communications, utilities, entertainment, etc.) and fix the costs in accordance with each of them. By analyzing the records, you can determine how to optimize spending based on your financial needs and capabilities.
Step 2
Buy food in hypermarkets or small wholesale stores. This way you can save up to 20% of your money. Try to buy seasonal items during the period of low demand. Use cash more often than a plastic card. “Virtual” expenses are more difficult to track and visually control.
Step 3
When purchasing this or that device, evaluate how much you need all the functions available in it and choose the best option from this point of view. Rent out large and expensive items that you will only use a few times. Make purchases over the Internet, which, in most cases, will help you save money.
Step 4
Try to eat at home instead of restaurants or cafes. If possible, take lunch with you in food containers to work, if there is a room for eating food, devices for heating and storing it.
Step 5
Optimize communication costs. When calling landline numbers, use a landline phone whenever possible. Use email more often when there is no need for lengthy discussions. You can send sms messages for free from the websites of the main mobile operators.
Step 6
Control the consumption of utilities, in particular, electricity. Do not leave lights on in all rooms if you are only in one of them. Remember to unplug electronic devices after you have finished using them. It makes sense to install a water meter, especially if the number of people living in the apartment is small and consumption is economical.
Step 7
Going on vacation, book flights and tours. This way you will be able to significantly reduce travel costs. In addition, it is worth keeping track of discount promotions of airlines, travel agencies and other services.
