One of the main problems of mankind has always been the problem of inability to properly plan their expenses. This is especially felt during the holidays, when people walk in a big way, spend a lot of money, and wake up in the morning and realize that they simply have nothing to eat. And the eating of edible stocks, such as jars of jam or canned cucumbers, begins, in hungry anticipation of the next paycheck. Today.ru will tell you how to learn how to save.
Of course, not everyone is left without money due to the past holidays. There are people who simply do not know how to plan their expenses and after receiving the long-awaited salary, the first days they prefer to live in grand style, buying the most expensive food and everyday goods, without thinking about the consequences. So it turns out that until the day they are paid honestly earned money, they shift from foot to foot, counting every penny left after a stormy fun or thoughtless life in full.
And it is important to learn from the very beginning how to plan your expenses correctly. One of the most effective ways is to keep a diary of income and expenses. Everything is very simple. At the beginning of the month, you write down approximately how much money you need for utility bills, food, clothing, entertainment, and other needs. Each has their own bar. When you get the long -awaited salary, you divide it into the parts that you have when planning your expenses. Since the first month is experimental, real income may not coincide with the planned expenses. But this is not scary, because this month is called experimental, which will allow us to adjust the overestimated or underestimated planks.
Having compiled this plan, you begin to live calmly this month, spend as much money on various things as you have planned and not a penny more, and if it succeeds, it is better even less. But since that plan was approximate, you will need to record every waste of money in a special notebook, where you will have to indicate how much and what you spent on the money. This will allow you to conduct the final calculation of those amounts that are required for each category of embezzlement at the end of the month. And, in the end, you will be able to decide how much money you need for certain needs.
And another very useful tip. Before going to the store, be sure to make a shopping list and stick to it without buying anything extra. It will also help you learn how to save. And there, you see, there will be something to put in the piggy bank.