12 signs that you properly plan your budget
Purchases / / December 19, 2019
1. You do not take into account their personal qualities
Budget planning must be based on your actual spending and behavior. It is illogical to write your plan for the next month and then push yourself and family to squeeze into its frame.
For example, you set out to conduct a budget, but you know in advance that it allows you to spend a certain amount on any detail. In this case strict limits to anything.
This does not mean that you can mindlessly spending money. The purpose of doing the budget - to adjust your financial habits, and not just to track every ruble spent.
2. You do not have the patience
There is such a term as a "yo-yo effect". It refers to the rapid weight gain after the diet. Man, though eager to lose weight, but it lacks the willpower or self-discipline to keep yourself in the hands and after the diet.
Such a state can experience and the one who started a budget. Some have the patience only for a couple of months or even weeks. Of course, it takes time, effort and concentration. But gradually you will learn how to plan your finances on the machine.
3. You do not take into account unforeseen expenses
When planning a budget, it must be remembered that sometimes you have to spend more than usual. For example, the need to urgently repair the machine or buy expensive medicines. In life anything can happen.
If in any month you still have extra money, do not rush to celebrate. Reserving them in case of unexpected expenses in the future.
4. You subconsciously do not want to keep the budget
Financial planning - it's pretty difficult thing for those who can not live by the rules. If you are depressing unfolding on the shelves of anything was, you criticize the idea of doing the budget and will not believe in favor of this method.
5. You spend more than you earn
In this case you have three options: cut costs, Increase revenues, or combine both. Analyze your situation and decide how to fix it.
6. You often borrows
If you borrow someone else's money, it creates the illusion that you're kind of like remains within budget. But sooner or later you will have to repay. And if they have accumulated, your financial situation will become very shaky in the future.
7. You will not accumulate savings
Without the savings are not achieved financial independence in the future. So try each month to postpone at least a small amount of money.
8. You pretend that some of the costs does not exist
Often it is spending on your bad habits. Cigarettes, going to the bar, fast food - all this requires money. Sometimes quite large. That's just not everyone can admit that because of this budget suffers.
9. You are limiting yourself too
It is not necessary from the beginning of the budget planning to change their lives radically. This should be done gradually. Do not give up all the entertainment to save more money. Allow yourself to relax a bit.
10. You spend a lot on entertainment
In contrast to the previous point, many do not realize that on holiday leave too much money. Frequent trips to restaurants, expensive hobbies, weekly shopping. Because of all this, the budget may bulge at the seams. Review your habits. Perhaps from something still stands abandoned.
11. You sit in front of TV for too long
This time you could spend with much greater benefit. TV keeps you from concentrating on the essentials. In addition, advertising is forcing you to do and buy what you do not need. All this is reflected in your budget.
12. You have chosen a worse time for the conduct of the budget
If you have recently been refilled in the family or you have experienced a serious expensive operation, it is very difficult to begin to carefully plan their finances. Wait until you get used to the new situation and the situation stabilizes.