Payday is always a small holiday. And I want to dispose of the money earned so that later I do not have to regret the hours spent on work.
Instructions
Step 1
First of all, set aside at least 10 percent of the amount earned, do this with each salary. Create a separate bank account for this, let it be NZ - an emergency reserve. Later, you can use it if you suddenly have financial difficulties or need to make an expensive purchase.
Step 2
Pay taxes, loans, make other mandatory payments. Set aside the required amount for monthly (Internet, utility bills, etc.) and mandatory current (food, transport) expenses. Reserve some money for incidental expenses.
Step 3
Now you have the amount left, which you can dispose of at your discretion. Distribute it competently and spend it with benefit and pleasure for yourself. Make a list of what you need to buy at this particular moment - something without which it will be quite difficult for you. For example, new shoes, new pants or an umbrella. Write down how much you plan to spend on each item on this list.
Step 4
Remember what you wanted to do for a long time, but for what you did not have enough or was sorry for the money. Perhaps you want to take a hot air balloon ride? Or take a two-hour horse ride? Or scuba diving? Find out how much this pleasure will cost you. If you can't afford it right away, start saving for it.
Step 5
Think about what you want to pamper yourself with. Maybe going to the cinema or theater, a new dress, or new books. Or maybe you collect angel figurines. Again, determine how much money you are willing to spend on it.
Step 6
Now correlate the amount you have with the amount that you would like to spend on all the things you want / want. If you do not have enough money for everything that you have planned, think about what you can refuse (start with the paragraph "what you would like to pamper yourself"). If, on the contrary, you have "extra" money, then think if you missed something else when you made your list of expenses, or add the remainder to your emergency reserve. Or donate them to charity.
