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How to learn to manage a personal budget and save money
09.10.2024 20:15
You may be making a good living, but you still don't have enough to live on.
In this case, the reason is hidden in your attitude towards money.
Learn to manage your personal budget. Then you will not only provide yourself with everything you need, but you will also be able to put aside a certain amount of money for savings.
Analyze your expenses
You may not even be ready to say how much money you spend each month on food, entertainment, etc. So start keeping track of your money. For two months, write down all your expenses, even the smallest ones. This way, you will analyze where your money goes and learn to avoid empty spending.
Control your daily expenses
Decide how much you need for one day. How much you will spend on food, transportation, etc. Do not exceed the established limit. And if you still spend too much, then reduce the established amount on other days.
Allow yourself small joys
Otherwise, you will still break down. Only then will you buy some expensive, yet useless thing.
Keep money in your bank account
This way you will protect yourself from spontaneous purchases. After all, you will feel sorry to close the account for some trifle.
If you are a shopaholic, take steps to solve this problem. After all, you often go shopping just to buy something, while you do not need these things at all.
The reasons for shopaholism are rooted in dissatisfaction with some areas of life. But if, for example, you don’t like your job, your appearance or your home, then endless shopping will not solve your problems, but will only add an additional problem. One day you will simply not have enough money for what you really need.
Don't take loans, they will only lead you into a debt hole. It's better to save up the necessary amount yourself.
As soon as you get your salary, immediately put aside money for food and utilities. Don't let yourself touch this money, no matter what happens.
Think carefully about what you want to buy and make a list of what you need. Don't go to the store without it.
Nowadays, more and more programs are appearing that help manage your funds. But if you are not a lazy person, you can keep records in a notebook. The main thing is to keep track of your own money.
Earlier I talked about how the thinking of poor people differs .
