How to budget, if you are a spender

Get Rich / by admin / December 20, 2019

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Determination

The desire to keep the budget well and the decision to implement it in life - not at all the same thing. Many people want to save money, eat right and exercise, but few people do it takes determination. It occurs in a desperate situation, or, more rarely, on the understanding that more so can not and you need to change something. If you are serious, then get ready to act.

rules

Without rules can not do, even if it's just a little ritual, for example, to put change into a piggy bank, or to spread the checks from her purse once a day, to immediately bring the cost.

1. Optimize accounting finance

The basis of doing the budget is the same principle as in weight control: to be considered. Only instead of calories - money.

Calories quietly accumulate during the day: eat cookies, snack sandwich, tossed the sugar into the tea at work were treated to candy-other - and already has run 400 calories. With the money all the same.

Small spending - the scourge of the private budget. But, as the extra calories, these costs often do not fit into the daily norm.

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Take into account the small spending will help the right tools. No need to carry a table or fill in a notebook. Set on a smartphone for the conduct of the budget application. We need this, which has a connection to the banks and systems of electronic money to these costs, too, can be analyzed by category. For example, "Zen-mani», CoinKeeper, «Home bookkeeping».

Appendix useful notebooks and spreadsheets for a variety of reasons:

If you pay mostly card, which is tied to the application, the unaccounted costs will be less.
The app simplifies the management of the budget: less manual work, a visual representation of information, ready to statistics on the different categories of expenditure.
The application can set a daily limit and receive reminders to help you stay within budget.

If applications for accounting finance you do not like, use the trick with a piggy bank. Piggy bank can be a map, and a glass jar. You got paid - lay on the piggy bank: at the apartment, on the food, travel, education, entertainment. And do not climb into other piggy banks, if one ran out of money.

2. Assign treasurer

If you have a family, keep the budget more difficult: you have to constantly ask who, how many and what to spend. The first rule solves this problem, but the other remains: who will have control over family budget?

You need to honestly talk to each other: one of you more cases of regular overspending, that will have to cede control partner. Note that you give no right to spend money, and the opportunity to keep track of and budget.

Agree on limits and quietly spend.

If you do not trust the satellite, it is difficult to talk about a family budget, you need to maintain two - personal and general. If you live alone, you will have to cope with all of their own: no choice.

3. Do not spend more if your income increased

This rule is considered a very important financial coach and entrepreneur Bodo Schaefer, author of the bestseller "The path to financial freedom».

Once income rises, we aim to reward yourself and buy more things than before, and more expensive. "Because I can! Have not I earned it? "Expensive car, a new smartphone, other cafes and shops with a higher average check. Traps that income is not increased, despite the increase in salaries. We were in the same place where they were before.

4. Carry cash

With physical money harder to give up than virtual. Wear of the money in cash, and best of all - one large bill. Bodo Schaefer claims that it teaches us not to be afraid of money to feel comfortable with them, to trust yourself. We train and discipline our subconscious mind, which will help us to make, if they feel that kind of money brings us pleasure. Just put the bill in the wallet.

Put it apart from other money. It is inviolable reserve. As a class with weights train muscles, so this bill will be to train your subconscious mind to it getting used to the notion of wealth.
Bodo Schaefer, a financial coach

Tricks

This tricks your brain. They will not go crazy with the thought that you got involved in something complicated, and keep the budget with joy.

1. Treat control easier money

This is not as difficult and frightening as it sounds. Imagine that it is a game with a reward at the end, is not it, in general, is.

2. Connect your children (if any)

If you grow up children, tell them about how you conduct budget, and become an example of financial behavior. After that will be a shame to retreat.

3. postpone buying

Suppose you have at the end of the month there is not much money to spend. It is tempting to reward yourself for good management of the budget and spend too much. Just say to yourself, "I'll save that until the money aside, there is no need to hurry. I have done and, of course, spend them, but a little later. Perhaps, this is the place in a box under the document will do. " Believe me, after a while you will like to have a reserve of money and you do not want to so easily give it up. Since this is normally and start all accumulation.

4. Turn the logic

Allow yourself to any regular small waste. Small waste - is often impulse purchases, they inflict damage, but only if a lot of them and you do not notice them. The trick is that you are officially allowed themselves extra spending and brought them into the plan. They controlled a part of your budget.

What awaits the person who ceased to be a spender

When you begin to count the money, at first it seems that they have little or not at all. But then the situation is changing for the better, because you are now in control. Do not throw the right, continue the game and not fall back.

Joint work on the family budget consolidates and gives partners the opportunity to know each other in a new way. This is a good way to make the relationship more confidence. Keep your partner, share your experiences in your financial game.

Remember that your task - to keep the budget, not to save on everything.

As soon as you, though with a small margin, would be enough money to pay, you will immediately see how freely contemplate about their finances. You can now think about how to invest in your education, you have ceased to blame themselves for spending and no longer afraid to be left without a livelihood. Now we can think about the savings and cash investments.