How to spend money right?

My goal is not only to tell you what to do in order to become rich and successful, but also to prevent from making major mistakes, that is, to teach what not to do.

Today, for example, we'll talk about how how to spend money , and that, you will agree, is a very important topic.

Why do I need to know how to spend money correctly?

I'm sure that among my readers there are no parasites living at someone else's expense, which means that all of you work, getting more or less material reward for it.

Remember, how many times a day you pay wages in all serious, and then a week later unreasonable wastes were taken to suck their paw, cursing themselves for spending.

With all this, you were surprised to see people giving you advice, how not to spend money , considering them boring misers.

And certainly not once complained:

"It's all about small wages. There would have been more, then there would not be any lack of money in my life. "

I hasten to disappoint you: you are not alone in your delusions.

The painful process of changing attitudes toward money and spending, getting rid of the illusions about a small salary, I observed on the example of my friend Yana.

After graduation she went to work in a state organization with a really small salary, which was not enough for anything.

How to properly ask the Guide for a salary increase?

A year later, she moved to a private office, the salary in which was twice as high as before, but I still did not have enough for Yana.

After a year of work in a private company, a friend was raised, significantly increasing her salary.

But then miracles: complaints about the fact that "there is no money" Ian did not stop.

When I was tired of her whining, I decided to dumbfound my girlfriend:

"Look: in just two years you started to receive almost 5 times more than your first salary, the prices during this time did not increase significantly, but still you continue to complain about the lack of money. So it may not be in bad employers that do not endow you with millions, but in your relation to money? Maybe it's enough to litter them? ".

Shocked girlfriend acknowledged my rightness and promised to reconsider their attitude to spending.

She succeeded, and I hasten to share her recipes with you.

5 tips on how to spend money correctly

To begin with, remember: money, regardless of their number, must be treated carefully.

Money does not tolerate disrespect, therefore it is impossible:

• to scatter them wherever horrible( even if it is a question of small coins);
• wearing them crumpled in pockets or micro-purse;
• did not know their account;
• to hurry to spend, as soon as some kind of a note fell into your hands;
• ignore the possibility of their multiplication.

If you do not do all this, that is: you have not scattered the "white"( 1, 2, 5) kopecks around the house, you have a large and beautiful purse that you adore( this is important!), You know how muchYou have money, what kind of spending you have done, and do not miss the opportunity to earn more than now, then the problem lies in the fact that you simply do not understand how to spend money correctly.

"Ignorance of money generates greed and great fear."
Robert Kiyosaki

5 true ways:

1. Plan your expenses.

   This means that you should not make rash purchases, even if all your nature requires buying immediately absolutely useless, but such a beautiful vase.

   When going shopping, always make a list and do not step back from it, except that you forgot to enter something you really need.

2. Live within your means.

   You should clearly understand that you can afford your salary, but what not.

   This is only a small nemyshyshys can demand from the mother of expensive purchases, not paying attention to the presence / absence of money, an adult is simply obliged to control his impulses.

   Do not type loans that you can not give away, get rid of the habit of constantly borrowing, because sooner or later it will lead you to a financial collapse.

3. Distribute your salary right away.

   If you receive it in cash, then, when you get home, immediately distribute the bills in different envelopes: "for rent", "for food", "for clothes", "for entertainment", "for summer vacation", "for the future"etc.

   It is not necessary to make castling for a month and pretend that money from the envelope "for food" has crawled into the envelope "for clothes".

   Envelope "for the future" - this is generally an untouchable stock, which must be transferred either to the deposit, or at least - to the traditional piggy bank.

   How to manage money?

4. Love sales, promotions, discount cards.

   Today megamarkets offer many opportunities to save on necessary( and often - and spontaneous) purchases.

   They can not use sin.

   Accustom yourself to do for the course of stocks and sales.

   Do not ignore purchases of non-perishable products at wholesale prices.

5. Learn to save on what you can.

   The availability of meters significantly reduces the cost of utilities.

   Many old things can be resuscitated, not discarded.

   Prepared with your favorite and eaten in a romantic candlelit dinner, no worse than a restaurant.

   Gozanya in a nightclub should be changed frequently to visit theaters, exhibitions, festivals - and cheap, and useful.

5 tips on how not to spend money

1. Do not go shopping for pay day.

   Wait at least a few days, and, going to the store, do not take all the money you have at once, take only the amount necessary for the planned purchases, plus - 40-50 hryvnia( just in case).

2. Store money on a bank card.

   If you receive a salary on a card, do not remove it all at once.

   Remove the amount necessary to pay for the communal and purchase of products, all the rest let them stay on the card for now.

   And it's better not to carry a card with you, but leave it at home to resist the temptation to pay for an unnecessary purchase on the terminal.

3. When necessary, know how to turn on the austerity mode.

   Did you buy coveted expensive shoes or did someone suddenly get sick and needed money for treatment?

   Then turn on the austerity mode: no extra expenses, so as not to get out of the budget.

4. Do not be afraid to say "No".

   Friends are invited to a nightclub, movie or bowling, and you do not already have the money for this?

   Just tell them "No!", These are not the last bumps in your life, you will find more where to spend money.

5. Get rid of bad habits.

   Do you realize how much a pack of cigarettes costs today?

   You daily ruin your health for 20 hryvnia!

   And now calculate your monthly expenses for the muck that kills you!

See also a small video with a few thoughts about

how to spend money correctly:

I hope you understand how to spend money , and no longer complain about a small salary, but just change your attitude towards it.