The easiest and most painless way to control your costs

budget planning - the key to financial success, but it is tedious and time consuming, but also reminds us that the money is running out. There is another expense management option.

Sometimes it seems that the planning budget for the month - it is a punishment for spending, which at some point gives us pleasure, but in fact do not meet our revenue. But there is another way to control your finances, not such a painful and tedious. It has developed a financial consultant Marty Kurtz (Marty Kurtz). He noticed that people tend to divide the money into three categories: old obligation, daily expenses and future needs. Knowing how to distribute income to these categories, you can make your life easier.

Divide the money which will go to pay the bills, and those that you can spend on themselves, putting them on different maps. This will help to live within our means.

fixed expenses

First, make sure that such expenses are not more than half of your annual income. From this amount, you can decide what to buy an apartment or a car, what kind of services are particularly important to you. This will determine how much money you are left with two other categories.

flexible expenses

This daily expenses: food, gasoline, entertainment, personal belongings. This category should leave about 30% of your income. Try to calculate how much you spend in a year, and divide that number by 52 (the number of weeks in a year). So you get the amount you need for the week.

future costs

This category should be approximately 20% of revenues. As it may include pension accumulationThe money set aside for travel, medical expenses or repairs. For each subcategory, you can open a separate account and the accumulation of money for them to decide on what to spend the money. With these accounts in the future, you will not have to borrow or use credit cards.

Unlike traditional budgeting for a month, this system practically does not need to be reviewed. Enough to make changes in it, when you change the salary or if you're contemplating some big purchase. In everyday life, just need to determine which category applies to the purchase and decide to spend her money or not.