18 signs that you know how to handle money

1. Do you have savings

Under the mattress or in a savings account you have is an amount equal to your income for at least three months. These funds will be needed in the event of reduction of work injuries and other unpleasant incidents because of which you may lose a steady source of income. Within three months you will be able to cash out the piggy bank to pay for utilities, rent an apartment, buy food, and generally live as accustomed.

2. You set aside some of the money from each paycheck

If you're refreshing your savings with every paycheck, it says right on the two good things. First, you can not make ends meet and can not afford to postpone part of the income. Second, increase your savings each month.

3. You commit to spending after each purchase

The adage "Money loves account" did not come out of nowhere, finances do not suffer neglect. Do you honestly commit all costsEven if they show your mistakes in the conduct of budget. It helps to analyze public spending can be avoided, and to adjust the cost of the rest of the month.

4. You have several "wallets"

You are not looking at the memory, and the circumstances in such important matters as financial. Therefore, the money for daily needs are on the card, in case of force majeure - a savings account, to larger targets such as apartments, cars or holidays - at the deposit.

However, funds can be decomposed and paper envelope - it is important that there is no risk of accidentally spend savings allocated for other purposes.

5. Do you know how to save

Do you know a variety of ways economy on everyday purchases. For example, you take a big package, in order to reduce the unit price of goods, do not go to the supermarket on an empty stomach, and you know all the tricks merchandisers, who are pushing you to rash shopping.

6. You avoid a waste

There are a few simple ways throw money down the drain: Purchase packages at cash registers in supermarkets, takeaway coffee, and so on. But you versed in this matter and know clearly, what expenses can be easily avoided.

7. You create a shopping list

The easiest way to avoid wasting - in advance and with a sober head to understand what you need to buy.

8. You are planning a budget for the month and year

Private financial plan It makes the relationship with money simple and clear. You know what costs are inevitable and how much money remains on the fun, predict large spending and can advance to start saving money on them. This avoids the "swing" when the pocket is empty, then thickly, and to provide themselves with everything necessary.

9. You're not looking for a change in the pockets of two days before the paycheck

You are no situations when in the last days before pay you no money to buy even bread and milk. The reasons can be two: either you are skillfully planning the budget, or earn more than you spend.

10. You pay for communal time, taxes, fines

Penalties - an extremely unpleasant financial penalties for forgetfulness and lack of discipline. But it is easy to avoid if pay all your bills on time. You know about it and do not allow misfires.

11. Do you have financial goals and plan to achieve them

You save up for a vacation, a car or a controlling stake in oil and gas company. In this case you know exactly how much money you will need for inflation, have put a realistic period to achieve the goals and set aside a monthly amount according to the schedule savings. This approach suggests that you will succeed.

12. You are targeting in the prices

You know, how much are you familiar products, household cleaning products and other consumer goods. Therefore, the hand does not reach for canned "for action", because you remember that they are in a nearby hypermarket twice cheaper at a fixed price. This helps you to choose the most advantageous offers shops and not to spend too much.

13. You are currently using applications that help to save

It is foolish to ignore the latest developments, if they ease your financial burden. there are different appsThat track the actions and compare the prices of goods in different stores. And to you for such financial analysts do not even have to get up off the couch.

14. You will not take loans from friends, relatives, acquaintances

Live within your means - one of the main principles of good money management. Accordingly, if their income is not enough and you have to ask someone to take part in your life financially, even with the return, then something in your financial planning went wrong.

15. You will not take consumer loans for things that can accumulate

Even if you are promised a loan at very low interest rates, most likely in his "enclosing" insurance, additional warranty services product or something else that will make you overpay. However, many purchases such as a new phone or a gaming console, do not belong to the vital - can be a little patience and save.

16. You can count

Most likely, the school algebra course you never did not come in handy, but the knowledge gained in the mathematics lessons, daily needs. Simple calculations help understand how profitable to buy goods - on the map or on the shares do not exceed the cost benefit on road of discounts and whether to issue a bank card with keshbekom if you pay for her 1000 rubles a year, and will return only 50 rubles month.

17. Do you have a plan to increase revenue

Even if you get enough to live on is not saving, be content with this earnings unproductive. So you are looking for ways to become more highly paid specialists: continuous learning, crank useful contacts, participate in promising projects. Additionally, you can see in which direction should grow, in order to increase revenue.

18. Are you interested in investing

Even if you do not yet have the amount that could be beneficial put inYou are interested in deposits, shares, investments and other ways to make the money work. This is the right approach, which in the future will not lose at least part of the savings due to inflation.