After careful consideration of the costs, it sometimes turns out that a large amount of money has been completely wasted. Unnecessary items, late payments and overly expensive goods all contribute to a decrease in money in the wallet. But they could be spent on really necessary things.
Instructions
Step 1
Make yourself a shopping list at the beginning of each month and stick to it. Think about what you really cannot do without in the near future, and what else can wait. Be objective while doing this and don't let urge win over sanity.
Step 2
Go to the store with a list of the groceries you need. The amount of money in your pocket during such trips should roughly correspond to the planned purchases. This will save you from unnecessary expenses.
Step 3
Pay only with cash withdrawn from your salary card. In no case do not use credit cards offered by banks, as they just create the illusion of unnecessary financial opportunities. In addition, their maintenance sometimes costs a round sum.
Step 4
Avoid cheap and substandard products. Remember that a well-made item will serve you several times longer than a poor-quality item. Just try to buy them during the season of sales or through special promotions, since the markup for such products can also be quite large.
Step 5
Keep track of all your spending by adjusting the list every day. This will allow you not only to track the required amount of money for the next month, but also to understand how expediently you are spending your funds.
Step 6
Make sure that no overdue interest or penalties run up on your payments. After all, the money spent on this will go really in vain. Try to pay for these things right after your paycheck, as long as you have enough funds.
Step 7
Save money for something important and expensive from every paycheck. For example, for a trip or a car. This will save the money that you could have spent on bullshit. Better yet, save by a certain date, which even more motivates, disciplines and protects you from unnecessary expenses.
