For some reason, our expenses do not always want to coincide with our salaries. And it remains to get out and borrow, get into debt and further increase the difference between debit and credit.
Living beyond one’s means is one of our favorite habits. Forced, from the innate breadth of the soul. Or maybe it’s just the inability to manage money. But not about that now. We will try to understand what to do to avoid getting into debt,
Ukraine , Ukraingate , 13 , December , 2021 | Lifestyle
Analyze your budget
It all starts with calculations. Write down your expenses for the whole month, scrupulously, to the last penny, and then do the analysis. Highlight the main costs that you simply can not do without, and fix them in the new budget. And then admit the unnecessary ones that you did out of fleeting weakness or just for no reason. Think about what you could really buy with that money. Let this encourage you not to incur such expenses in the future.
Budgeting is the main way to control yourself and not get into debt. According to him, you will be able to soberly assess your financial capabilities and make the right expenses. This does not mean that you will have to constantly limit yourself in everything, but change the priorities in costs will force.
Learn to restrain yourself
A lot of money from your wallet goes to impulsive shopping, when the thing just liked and became yours. Unnecessarily, unplanned, just like that, and then hangs unnecessary in the closet, without approaching other details of the wardrobe. Therefore, you need to take control of your emotions and learn to restrain yourself in such impulses. It can be difficult, you can forget and make unnecessary expenses again, but learn, educate yourself. Otherwise, no income will be able to cover your impulsiveness in shopping.
Save, but right
The very word “save” is associated with bad experiences and symbols. It is associated with the restriction of your desires, actions and freedom. But this is just a game of the subconscious. In fact, saving is not about making bad, bad expenses. That is, those that do not support your life (food, water, medicine) are not elements of the necessary comfort (payment for housing, clothing, communication costs) and do not lead you to your goals (training, acquisition of means of labor, the same computer or sewing machine). Remember these mandatory items of expenditure and pay attention to the latter – only it can increase your income, so be sure to invest in it.
The cost of hobbies and pleasures can be ruthlessly reduced. The essence of satisfaction is its insufficiency – the less it is, the more desirable it is. It is impossible to give them up completely, but it is not necessary to pay. Think about what you really enjoy, and find a free replacement or less expensive: walking in the fresh air, jogging, playing with family in the yard, reading. Is it necessary to visit cinemas on the day of the premiere or buy only branded clothes? Go to the SPA, take a taxi? Everyone has their own, nothing is forbidden, but not in debt.
Start procrastinating monthly
Force yourself to save 5-10 percent, just 500 hryvnia, but every month, and better yet – from each source of income. It is not difficult, you can take it without harm to health, and it is very important. Remember that you can’t save on good food alone. Your body is a means of earning, no matter how rude it may sound, it is. It takes you to work, performs mechanical actions, for which you are paid. Think about it, and you may no longer want to feed him delicious, expensive, but essentially ordinary food, or cheap but terribly harmful. Which will also affect the budget for the better: either you do not have to spend too much on food, or on drugs for heartburn and obesity.
Save the money you save for the first time. This way you will strengthen your success in clear planning and adherence to the budget, a successful experience of living within your means. But then this money should be used more productively – to spend on what will bring you even more money, put in a bank account, for example. You will not get much revenue at once, but time will increase your savings, and you will be surprised how much.
Forget about loans
Say goodbye to loans and other “freebies” once and for all. All their benefits are not yours, it should be clear to you at first, but you still use them. Ask yourself: why? Do you really need an expensive foreign car? Why this ostentatious luxury? Nobody cares about this, everyone is busy only with their lives. Do not get into credit bondage, because you can wait, save up and get what you want without overpaying.
Learn to earn
Not everyone is given the ability to earn money – everyone has only the right to work. And for a good salary – some. So become one to forget about debts and live in abundance. Before that, you have already learned to save and control the budget, collect krest and invest them profitably. So you can teach this to others! This is the first source of additional income.
Learn to look for lucrative jobs, develop your skills and demand higher pay, learn new things and apply knowledge to make even more money. That is, love money, but do not turn it into an idol, and earn as much as you need.
We can say that everything consists of the energy of money: your clothes, your apartment, your vacation, your pleasures. You pay for everything. So, learning to deal with this energy is simply necessary, otherwise life will make you spin and get back into debt. It is better to spin yourself and learn to earn, it’s much more enjoyable!
Source : Ukrgate
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