More often than not, a modern family lives from paycheck to paycheck, counting every penny.
Rent, mobile phone bills, mortgage (or rent), loans, internet and TV bills, car and fuel costs, health costs (pharmacy, private clinics and procedures), school lunches, kindergartens and tutors, and a huge portion for food.
And how can we save if everything is spent from penny to penny? And so many live from paycheck to paycheck. And then something happens and we look for it, borrow, somehow pay it back, get into credit cards, etc.
The financial situation worsens, debts accumulate, the quality and conditions of life deteriorate.
So, to avoid such moments when you have to borrow funds, you should have savings in the amount of 5-7 months of fixed expenses, which include all of the above-mentioned costs.
But how to make these savings? It's quite simple. Write down your income and expenses for the upcoming salary on a piece of paper.
Let's say the salary is 32,000 rubles.
Costs 4000 – rent
8000 – mortgage
700 – Internet + TV
2600 – son's section
4000 – diapers and baby food for the youngest child
1000 – mobile communications
The remainder is 11,700 rubles. In any case, all the remaining money will go entirely to feeding the family, and it does not matter how much is left - 11 or 15 thousand rubles.
Try to save a little. Buy meat, chicken, fish in advance. Make homemade semi-finished products. There are also many ways to save on food without compromising the health of the family.
So, pay all the payments as soon as you receive your salary, do not leave them for later. Then you can spend this amount and will have to borrow to pay for an apartment or buy diapers or something else important.
From the remaining amount, decide how much percent you will put aside; you can start with 5-10% percent, and after you learn to save and disciplinedly put aside for a safety cushion, increase it to 20%.
It all depends, of course, on the amount of earnings. Don't put money on a bank card. For example, open an account from which it is not so easy to withdraw money, but which can be replenished.
Don't spend money from your safety cushion! Train yourself to be financially disciplined. Successful savings to you!
Earlier I talked about how to increase employee satisfaction .
