10 signs that you are living beyond your means

1. You spend every last penny

Savings - an important part of financial security. Ideally, every month should not delay by 10% of income. If the salary is low, at least 5%.

When the money did not remain, expenses do not meet the income and the situation should be changed. Otherwise, any force majeure will lead to a deep financial crisis.

2. Your costs are rising along with income

You do not procrastinate, because few have earned. A new job your income increasedBut money for savings and has not appeared.

Costs tend to rise after earnings. Depending on the availability of money want to buy better things, have fun, and so on. But all of these costs are justified when it is not harmful to other areas of life. If you get down everything, no matter how you do not pay, you have obvious problems with financial discipline.

3. People with similar incomes spend less

While you hardly ends meet, your colleague has accumulated the initial payment on the mortgage, travel and live quite happily ever after. It is possible that he scored podrabotok, successfully married the daughter of an oligarch, and even my mother's friend's son.

But it is likely that he simply spending money more intelligently. For example, it has replaced the penultimate model of the iPhone to the latest and bought tickets for this money on tour in Europe.

4. You extinguish the debt on the credit card late

In use credit card There is nothing bad. With credit card, you can earn even if it be calculated until the balance of the debit card charge interest.

But if you do not make payment on time and faced with the need to pay penalties and interest, it says that you're spending money inefficiently.

Having a credit card does not mean that you can spend more than you earn. It only makes it possible to spend earned money a little sooner than you actually get them.

5. You are afraid to conduct budget

You write off unwillingness to budget for laziness, Low income, and come up with a million excuses. But if you look deeper, the reason is the same: you're scared face to face with the truth about your spending.

Deep down you understand that not all of your expenses are justified and you could handle money more wisely. Keeping the budget will force you to reconsider the attitude to finance, but to do nothing is always easier than to act.

6. You buy a status thing, designed for more affluent people

It sounds a bit snobbish, but these are the harsh realities. Save up for an apartment in a trendy part of the machine or a multi-million - half the battle. Subsequently, you have to contain this property. And while your neighbors will easily give a monthly basis for the equivalent of half a concierge service your salary, you will have to work day and night to meet the standard of living that you selected.

Status things do not change a person so much, how do you count on it, and on the budget at the same time beat. And it's not just about houses and cars. Sometimes it is enough expensive smartphone or bag to make a dent in your pocket.

7. You do not think about saving

For any income save nice and helpful. Maybe if you're tossing and turning millions, need to keep track of buckwheat stocks is no more. But you will appreciate the discount on the car last model.

If you "save up" in any case spend more than they otherwise would. This means that live beyond their means.

8. You have a lot of credit at high interest rates

Credit - a great tool to get things right now that enhance life and generally are required.

But if loans eat up a significant portion of income, with the goods they are taken, without which you can do, it is a signal that you have problems with finances.

9. You are afraid to admit to exceeding the budget

When friends call you barYou will never admit that you have almost no money left. It is better to have fun, or even to pay for the entire company, and then wait for wages on a diet of rice and pasta.

Seller in the store easy to dissolve you into a purchase. Enough to hide the price until the last: at the checkout you will not refuse, as uncomfortable to admit that you do not have that kind of money.

In fact, nothing to be ashamed that you follow the budget balance, no. It is better to work through this complex with a psychologist and make their lives easier than repeatedly get into a difficult financial situation for fear of being branded as rogue.

10. You do not have long-term goals

You often say "once living" or think that it is necessary to break away until the young / no children / schedule permits / summer. And as a result of spending most of the money on entertainment. This is really an important part of life. But when you spend on it too much, it jeopardizes your future.

Even if you set aside 10% of the monthly income, because it is correct, there would be nothing wrong with that, to save more. The best motivation for this - a long-term financial goal.

Indeed, it is not clear for what to transfer part of their salary if the money can please yourself. When you know precisely why this is doing is related to finance changes.