For example, your earnings are above average, but you periodically (and perhaps permanently) experiencing financial difficulties or incur debt money. Then it is not in a transition economy, and in your attitude towards money. I would suggest: no matter how improved the situation in the country, the money you will still not get it. Is it possible to learn to be Thrifty? Sure, these simple rules will help you.
Rule 1. To understand who you are and what you need
Attitude to money is primarily a philosophical concept. How you manage money, shows how you purposeful and rational.
...Still don't understand why Kate bought expensive license French language course. Probably wanted to teach. You know how it goes. Visit the Department of foreign literature and think: "I wish to learn a foreign, free to watch TV in French, to get acquainted with someone through the Internet and to go abroad". And then return back to earth, and there... There is a need to regularly have something to teach, to perform the exercises. In the end, Katya's course and gathering dust on the shelf.
Rule 2. To set goals
Experience shows that people are more willing to save in the name, for the sake of something. For example, I want to go abroad. Or save up for the down payment on an apartment. Or buy a car. So to save a lot easier, because you know what tense up, something a deny.
Rule 3. Identify "gaps"
Each of us will have "gaps", where we are not economical invest money. Someone has this house, which nobody wants and where nothing grows. Our Ani - machine that is collecting dust in the garage. "What are you doing for it to work do not go? " "Afraid, " says Anya. A large stream of cars, and I don't drive". Question: why Anya machine, if it is once a month? After all the money you need to pay: for inspections, insurance, etc. And someone who likes to go to relieve stress by using stores. But you should understand that by using shopping real problems (which caused you stress), not to solve it. It's like alcohol: when you sober up, reality will return.
Rule 4. Count
- I don't know where he went, $ 300. Just don't know - she complains about me Masha. As mysteriously disappeared.
So you do not have machine problems, consider where the money goes. If you do not remember, record. Say, an effective method is to record all your expenses. And at the end of the month to see what happened to "tidy" amount. Then you will be able to analyze where the money went "wasted" and the more of them there not to release.
Rule 5. Not to compare
It is envy, like no other feeling that motivates us to strive to be better than others". New model phone my friend often encourages us to buy a new mobile. Trip friends in Spain makes to spend the money on a vacation when you are in debt as in silks. Don't try to compare yourself with others. Other people have other financial options, and other costs. The mikhajlovy no children, so they can afford twice a year to fly over the sea. Lena Grigorenko - dad is a businessman who helps a young family to solve their financial problems. Do you have a completely different situation. So spending your completely different.
Rule 6. Calmly to the glamour and fashion
Fashion is, first and foremost, a business. And the main goal of any business is profit. So the fashion changes so often. "This season's fashionable all shades of brown", reading in the magazine. And understand that the call to "buy brown" sounded for all modo recruits.
- Urgently need to buy something brown! exclaims advertising Department and runs to the shops.
Worse, when changing styles and "noses" in shoes. Conclusion: the fashion must learn to be calm. Of course, it is not necessary to go to extremes and wear old clothes, but to throw away a brand new straight skirt, no frills, it is not necessary. Not to "break", not spend money, do not follow all the news in the world of technology. What you all these mini-cameras and 30 thousand flowers in mobile? During the commercials better go to the kitchen and drink tea.
Rule 7. Do not buy things you cannot afford
The hencky, a member of the system administrator, not only their own apartments, but decent clothes. His elderly mother, who needs help, and his younger sister is a student is a freshman. Genk wanted a new BMW that went and took her to the salon in the loan. In the end, to live no Genk, nor his family. On the question of why he took credit for such an expensive machine, Genk meets only one: "Wanted".
Rule 8. As possible amount of cash
Large amounts of cash in your wallet - it's a huge temptation. Therefore, money should be stored in the Bank and a lot not to take with them.
Especially helps if the store does not count with the card. In the end, you don't buy a lot, but for the most necessary thing will pay cash. Saving...
Rule 9. Not to lend
The very fact that you can afford to give someone a loan, says about your inability to manage money. If you have extra money (namely the extra money people usually give a loan), then they need to invest. First, "they will be", i.e. you do not spend them. Secondly, the interest paid. Thirdly, can accumulate and invest. Lend - a thankless job. Will twitch, because they will not be bold enough to ask when they would give. If you ask and do not receive a satisfactory response, or upset. If you will, you risk to cause negative emotions, particularly anger. It is known that due to outstanding debts sometimes crumbling even a friendship.
Rule 10. Do not skimp on the experts
Do not skimp on the specialists. Indeed, these savings can really "fly you a pretty penny". For example, recently my uncle Kostya bought two interior doors and decided to save on the Assembly. All Sunday he tried to collect the door itself. Finally exhausted himself and family, spoiled output, and the doors were never collected.
After unsuccessful attempts uncle decided to bring someone who can help. Local handyman turned out to be his neighbor uncle Shura. Uncle Kostya covered Shura table, and they got to work together. But as uncle Shura is not a great expert, the door was left half uncollected. In addition, between the door and jamb was slit.
Neighbor Shura (thanks at the dinner table) two days later brought home to the uncle of a Pashka Zaitsev, who, though not a professional, promised to raise the door for half the price. "Half" specialist helped to correct the flaw (which can be seen if you get closer), but not inserted "box to handle". In the end, to finish the door had yet professional. Thanks to him, the problem was eventually solved. When the doors were assembled and installed, it turned out that expended the sum of the blocked one you would have spent my uncle, paying one person. In addition, looking at the door with pleasure, my uncle could not. After all, they are pretty messed up nerves not only him but his entire family.
Author:
Tomovska M
Source:
MyJane
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