Why be poor too expensive

For poor diet you pay the health and appearance of bad habits

Each student will tell you what great food - Fast food lapshichka. Hearty, cheap. That's just it unhealthy food. Much salt, bad oil - if there is a "Rollton" every day can greatly harm your body.

Another trap - fast food. Time seems to be more valuable than health. Why cook at home if you can eat a hot dog on the go. And if you have an unstable financial situation, you begin to alternate between "the rich days," when you can afford fast food, and "the days bystrolapshi". And if you want to drink something other than water, the choice falls on the lemonade, which is cheaper than juice or milk.

A few years of such a diet, and you practically secured stomach pain, skin problems and other troubles with health.

Even worse, they remain habits. And when you can already afford a normal meal, you find it difficult to get used to cook at home something useful. You automatically go to the "McDonald's" and enjoy a drink of lemonade. Do not be fooled that you change once you have the money. Too many bad habits you will gain by that time.

Unfortunately, not easy to restructure its supply system. To do this, either a lot of money or a lot of time. If you have money, you can not hesitate to buy a variety of food, including fruits and vegetables, in the near good hypermarket. If you have time, you can seek out in the place where you can cheaply buy farm products, and to go for meat in one area, and for vegetables - in the other.

You can buy inexpensive and healthy food like cereals of all kinds, but you need to figure out how interesting them prepare. It is unlikely that you will enjoy from month to month to eat the same type of cereals.

But if you plow at work till night, or combine the two jobs to make ends meet, then you are unlikely to have the time and desire to engage in drawing up menus, search for products and their preparation. What the hell freshly squeezed orange juice, if you do not always have enough money to pay the rent? Who do you think, how to pay utility bills on time to avoid being evicted, but about heart disease from malnutrition might think 20 years from now.

Cheap cars are often broken, and public transportation takes time

Every day you have to get to work. Own car - it's a lot of costs in addition to its purchase of gasoline, oil, winter tires, washing and, of course, repair. And if cheap car and used, the repair will be many. You can simply ignore the strange from under the hood sounds. To make the music louder and try to drive less often. But the longer tighten the repairs, the more expensive it can do in the end.

For example, if the windshield was a small trace of the flown out from under the wheels of a pebble, it is necessary to "heal" him to crack not crawled on and not have to change all the glass. But you think it's inappropriate waste at the moment, it is better to buy delicious food.

Public transport - a good alternative to your own car if he goes regularly. But it deprives you of the many possibilities. Wherever a car can be reached in 15 minutes by bus you will go to 40. The bus left from under his nose? Spend another 10-15 minutes to wait for the next one. If the day you have 3-4 hours of free time, and two of them you will spend on the road, of course, you have no time to cook proper meal.

And remember that for some work necessarily need a car. So, whether it is, you would have more opportunities to earn. But now you do not have money to buy a car, and you're missing an opportunity to earn. Vicious circle.

Shabby clothes deprived of opportunities and creates self-doubt

The price of the new good suit is comparable to a two-week budget of your family, dedicated to food. Therefore, the clothes you buy an inexpensive and only when old becomes completely unusable. Due to the forced savings on clothing you lose the opportunity. On clothes meet. And this can not be avoided. At the interview will give preference to certain neatly dressed and fresh candidate.

You will be hard to get, and a bank loan. Looking at your shabby appearance, it is unlikely the bank employee to believe that you can repay the money without delay.

And here's the paradox: if you are poor, but well dressed, people think you are irresponsible attitude to money. But if you dress poorly, think poorly of you, especially in the interviews. Even recognizable brands play a role is still, sadly.

Sure, you can buy inexpensive clothes and keep it in very good condition. But it takes a lot of time: a thorough and accurate washing, mending. Yes, and material costs are too: you need a good washing machine and high-quality detergent.

And the worst: shabby clothes demoralizes you. Especially when you find yourself in society. See beautifully dressed people, some of them look at you disapprovingly or pity. You may even hesitate to go to the store. And well even if someone does not nameknot you that your shoes have long been "asking for porridge." It said this in a tone as if you just too lazy to walk to the shop for new ones. Ah, if only to get to the store was the biggest problem ...

The other half of others will tell you that buying new clothes - this is impractical. Food - practical. Repairs to the machine - practical. Payment of utility services - practical. But why did you buy new winter boots? Old out still any good, only the sole glue. You can not change the people who treat you cool and wary because of old clothes, so try to ignore those who believe they know how to keep you personal finances properly. And if you have the opportunity to scrape together money for a wardrobe update, be sure to do it.

Overpayments on loans destroying your budget

When you think how much overpay, if you buy an apartment in the mortgage or You take household appliances on credit, longing covers with his head. But what if the washing machine is out of order, and 20 000 for the purchase of a new no? Or if the broken refrigerator? Do not hang the food out the window? So we have to reluctantly take a fresh loan.

And collects a monthly snowball: mortgage payments, interest on the loan, penalty for delay of payments loan... And if you are still somehow get a credit card, then get out of this hole more more difficult.

There are more utilities, which are overgrown with default interest. For nonpayment of a communal management company may disconnect your service. It turns awkward thing: due to the fact that you have no money, you have to pay even more.

Being poor is too expensive. Therefore, if the problem of the article you are close, we wish you soon find financial freedom. Here are some articles to help you:

• How to overcome a personal financial crisis: step by step guide.
• How to conduct a family budget: draw up a spending plan.
• An alternative perspective on personal finances.