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How not to be left without money at the end of the month: learning how to manage money correctly
09.04.2024 13:10
It doesn't matter how much you earn.
If you are left without money at the end of the month, then it is time for you to start treating it differently.
If you learn to manage your budget wisely, you will not only meet your needs, but you will also be able to save some money for savings.
Analyze your expenses
Can you even roughly say how much you spent last month on food, clothes, entertainment? Hardly? In that case, you need to start keeping track of your expenses.
Write down all your expenses, even small things like travel expenses. After two months, you will be able to tell where your money went and understand which expenses were unnecessary. Such records will help you avoid unnecessary spending in the future.
Control your daily expenses
Determine the amount you will spend in one day or week. Do not exceed the established regime. If for some reason you spent more, then reduce the amount you will spend in other periods.
Don't forget to treat yourself
Allow yourself to buy some small things. Otherwise, you will spend a large amount, and it is far from certain that you will need the purchase.
When you get your salary, put aside a certain percentage in a bank deposit. You definitely won't take money out of your account to buy some trifle. But if you really need the money, you can always withdraw it.
Shopaholism causes people to make reckless spending. You take a lot of things from the store, just because you want to buy. The things themselves, as a rule, you do not need at all.
Perhaps, shopaholism helps you to distract yourself from some problems. But, unfortunately, it will not solve them. It can only add another one - when you need to buy something you need, you will not have money for it.
Close the existing ones and do not take out any more loans.
Otherwise, you will constantly have budget problems. If you are planning an expensive purchase, it is better to save up for it yourself.
Set aside money to pay for utilities and groceries. Don't allow yourself to touch the allocated amount.
Before going to the store, make a list and buy only what is listed on it.
Control your personal budget through special programs or keep records in a notebook.
Don't stop doing this even when you overcome financial difficulties or start earning more.
Previously, we talked about how to choose truly ripe fruits and vegetables in the store .
