Many people have been living with low income for years due to various circumstances, some are reduced wages for a while. But in any case, this is a difficult and unpleasant situation. To emerge victorious from it requires a plan of action.
Instructions
Step 1
The first step in getting out of your personal financial crisis is to optimize your income. You need to clearly plan your budget, for example, using a ledger. It is better to keep it on a computer, in special programs or even a regular table with a summation function. But an ordinary notebook, divided into columns of income and expenses, is also suitable. In such a book, you need to enter every ruble spent in order to understand where unnecessary money losses occur.
Step 2
Every time a payday, it is worth making the necessary payments and dividing the remainder into several parts. It is imperative to allocate funds every month for utility bills, including cellular communications and, for example, intercom maintenance. If this is not done, even small payments will soon turn into large debt. Along the way, it is important to reduce the consumption of paid services: to make sure that the lights are turned off in rooms where there is no one, and the water does not pour out of the tap in vain.
Step 3
The second major share of the salary should be spent on purchasing food and household chemicals. Everything that is stored for a long time is better to buy in one day in a hypermarket with low prices or in the wholesale and retail market.
Step 4
Another part of the salary can be set aside for the necessary update of the wardrobe, as things become unusable over time. If you follow seasonal discounts or visit second-hand shops, you can buy good clothes and shoes much cheaper.
Step 5
At least 10% of the salary should be set aside for the future. This money will become the family's stabilization fund in case of illness or, for example, a pipe break in the bathroom. If nothing happens, they can be spent on buying big things instead of taking out a ruinous loan.
Step 6
Explore the possibilities of free city breaks. Often, movie premieres can be seen through contests and lotteries, and street performers perform in parks and squares. So you can save on entertainment.
