Have you noticed that you spend most of your salary on unnecessary things that you do not need at all? How many times have you told yourself that you will start putting off? How many times did you break down and give yourself new promises? It’s clear that I don’t want to deny myself anything. After all, I want everything at once. However, you can learn to save without limiting yourself, and you only need to correctly distribute your income.
Correctly distributing your budget the first time may not work. You need to analyze your expenses for several months.
1. Write down your daily expenses in a separate notebook or keep records on a computer. At the end of the month, you will see that many purchases were not necessary and you could do without them, while saving a good amount of money.
2. Try to make a list before going shopping. Buy strictly on it.
3. Take a certain amount of money with you to the store so that there is no temptation to buy an unnecessary item.
4. Use only cash, because when paying with a card, you cannot really assess your costs.
5. Calculate the amount you can spend per week. Set it aside and try not to spend in excess of this amount.
6. Money in envelopes helps very well. That is, you distribute the money for 4 weeks on envelopes, just put in another envelope the amount to pay for an apartment, a loan, etc. Envelopes are used as intended.
7. Eat at home. Avoiding a cafe, you will save a decent amount per month. Plus, homemade food will still have a positive effect on your health.
Each family saves in different ways: someone - on food, someone - on electricity and water, someone - infringes on absolutely everything. And you just need to learn how to properly distribute your income!
