How to manage money correctly?

Today we will talk with you on the burning and slightly indecent topic, how to properly manage the money .

If you paraphrase a well-known cartoon hero, you will get something like this:

Money is a very strange subject:
There they are, and now they are gone.

And it's true, no matter how much you earn, it takes quite a bit of time after your salary, and now you are already watching with horror that there are a couple of unfortunate hundreds of bills left in your purse, and up to an advance of 10 more days.

Well, how is it? After all, nothing extra was not spent!

Once I went to a cafe with friends?

You can not, at my age, lead the life of a hermit.

I bought a beautiful dress?

So I needed a dress-dress outfit.

Lots of money left in the cosmetics store?

So I'm a girl.

And so on ad infinitum!

We do not understand that such justifications are only harmful: we do not draw conclusions, we do not learn from our mistakes, but continue to make rash expenses, complaining about a small salary.

So, Spending, today I'll teach you on a concrete example, how to properly manage the money .

Why does my girlfriend know how to properly manage money?

I have a student friend Marina.

She is from a poor family, after graduating from the institute she got a job in a museum where salaries are more like tips, married a man early, whose salary is also far from perfect.

But Marina has one feature: she never complains about the lack of money, dresses well and eats, does not forget about entertainments.

In general, it causes the desire to get angry so: "Where's the money from? !".

"To make a lot of money - courage, to keep them - wisdom, and skillfully spend - art."
Berthold Averbach

Once I could not stand it and asked:" Marina, how do you manage to manage money so that everything seems to be enough, but I know that your family income is modest enough. "

Marina smiled and said: "I have grinded the scheme of allocating the family budget for 5 years, until it brought it to perfection. Do you want me to share with you her secrets? ".

Naturally, I wanted to!

How to manage money: 5 general tips

Marina started her master class with general advice, adhering to which you can correctly manage money:

1. Balance your income and expenses.

   At the initial stage, you can even keep records: received so much, spent so much, such and such a waste can be cut back next month.

   Gradually you will learn how to save.

2. Live within your means.

   You can afford an expensive thing - buy, no - look for an analogue cheaper, but do not live unrealizable dreams, wasting money for nothing.

   For example, Marina's daughter-in-law has been dreaming for 10 years how she will rebuild the apartment, make luxurious repairs there, but she continues to live in the stable, because her project costs as much as her apartment, and to save and postpone ithe does not know how and does not want to learn.

   Marina has made repairs in their private home modest and inexpensive, but it looks comfortable.

3. Do not be afraid to look for additional sources of income.

   In his spare time, you can earn extra money( Marina, for example, copyright), and sell unnecessary things on online auctions, such as "Aukro".

4. Save on everything you can save on.

   This does not mean that you need to turn into a miser and deny yourself everything, but if you see two almost identical blouses, but another costs twice as much because of the illiterate inscription on it, laid out by the strasses "Dolce and Cabana", thenwhy pay more?

5. Spend time with people of equal financial standing.

   Losers to their lives are not allowed, but it is not worthwhile to get rich in the trust.

   You still do not pull their entertainment.

We correctly manage money for purchases and leisure

Our life consists of mandatory and optional purchases.

If you can save on the second, spoiling yourself only sometimes, then you will have to buy shoes, food, household goods, appliances, household chemicals in any case.

And you need to have fun, otherwise it will not be life, but boredom.

Here's how to properly manage money for mandatory spending:

1. Clothing and footwear.

   You can save money if you keep an eye on sales.

   For example, Marina has several favorite stores that, during the sales period, drop prices by half or more.

   Healthily, too, and online stores, where branded things are sold without extra charges.

2. Products.

   First, do not make purchases in small shops, where prices are always higher than in supermarkets, the range is scanty, and they do not know the word "discount".

   Secondly, there are wholesale bases.

   If you have a place for storage, then sugar, flour, salt, pasta can be bought with bags.

   Third, pay attention to shares: "the price of the week," "hot offers," "two for the price of one," etc.

   The same tricks can be done with household chemicals.

3. Engineering.

   Timed such purchases for the holidays.

   For example, everything you need can be purchased during the New Year sales.

4. Entertainment.

   Firstly, if you do not have money, do not be afraid to refuse friends for their offer to visit a nightclub.

   You do not need to run to a neighbor to borrow money from her and then walk off.

   Real friends will understand the rejection, but you do not need fake ones.

   Secondly, to have fun - does not mean to hang around in restaurants for days, squandering large sums.

   Look for a reasonable and inexpensive alternative: walk in the park, picnic in the woods, go to the theater, open-air concerts, a zoo, etc.

5. Other.

   Learn to do the most with your own hands, and not apply for any small change to specialists.

   For example, you can do cosmetic repairs yourself, inviting friends and treating them after a delicious dinner.

And the last: whatever your salary, learn to save some of it.

You can in the old manner, using a piggy bank, and you can and through bank deposits.

Marina says that she likes the function "Piggy Bank" of PrivatBank: every time a salary comes to the card, the specified amount is transferred from it to the piggy bank. For a year Marina with her help has managed to collect on a sheepskin coat.

And here are some more tips on how to manage money

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Watch the video:

Understand the art, how to properly manage the money , it's not so difficult, just learn how to live within your means, save, and if necessary - find additional sources of income.

There is nothing shameful about this.