March 22, 2019 11:30Darin Rozumny
Defeat a spender: How to learn to save
istockphoto.com
Do you think that to learn to save you can not afford? However, learning how to reduce waste of money is always possible and necessary. It's time to change. Let's get started.
People who are watching the budget, spend less money on useless things and save more. Do you agree with that?
Therefore, those who spend a lot of money is to understand where and what the money goes.
Usually wasteful people do not have savings simply because they spend as long as there is waste. In everyday life, they are impractical and not independent. Most of these people are without assistance nail can not even score. They can not budget planningTherefore, going to the store for bread and milk, may come up with a bag full of goods not the first necessity.
How to learn to save / istockphoto.com
Where do you start?
- Keep a record of all income and all expenses. That's what you'll see what your money goes.
- Strive to have your assets (funds for education) exceeded liabilities (taxes, food, clothing, utilities, entertainment). And not vice versa.
- With each paycheck delay 10% for unforeseen expenses (Trips, training, equipment). If you find it difficult to postpone 10%, start with 5% and gradually increase the amount.
- Do not carry large bills. Bring strictly regulated the amount of - 50 or 100 hryvnia.
- Like discounts and sales, use the discount cards.
- Do not buy things on credit. After all, every month will have to pay monthly.
- Download and install on your phone program that will allow to take into account all the daily expenses. At the end of each week, to sum up, and a month later see how much money you have wasted, and think about what could be purchased at the "gone with the wind" means.
You will find interesting how to save money and at the same time in what does not deny
