How to spend money right?

Money, money, rubbish. ..

I often think of this phrase from the "Treasure Island" when it comes to money.

Here's a paradoxical thing: you earn a little - nothing is enough, you earn more - you still do not have enough, you earn even more - and again you do not have enough.

And the box opens very simply: it is important not to earn much, it is important to know, how to spend money .

Naturally, if you get a pittance, then they will not be enough even for a minimum set of food and clothing, but I know people whose wages are above the average in Ukraine, and they live in a dilapidated apartment that has seen repair under Gorbachev, go torusty trough and have never been abroad.

And all because they do not know how to spend money correctly!

A-ah-ah! Help! How to spend money right!

My friend Lena - a spender, or rather - was one.

While she lived with her parents and spent almost all of her salary on herself, the problem did not seem so serious.

Three years ago Lena got married.

Both she and her husband worked, like they earned more than many in Ukraine, but because of Lena's reckless spending, the family was constantly sitting without money.

Quarrels began, the husband blamed his wife for everything, demanded to change his mind and stop spending money on bullshit.

But then I acted incredibly wisely: I gave my girlfriend on March 8 along with a huge bouquet of flowers a ticket for a training in financial literacy.

Lena was offended at first and decided not to go.

Then her husband threatened to shave his head( Lena often repeats that she loved him for her thick curls) and will buy 10 orange shirts that my girlfriend hates with all her heart.

How to manage money?

Lena surrendered and went to the training, which she suddenly liked.

She has all finished, pondered and began to spend more money right, finally bringing harmony to her family life.

When I was preparing an article for you, "How to spend money correctly?", She asked her to open some secrets and Lena happily shared five tips heard from the financial literacy expert at the training.

Tip # 1, how to spend money correctly

Make a financial plan for a month.

You can not mindlessly treat money.

"I value people in their manner of spending money. Money is not an end in itself, but a tangible proof that the person was not mistaken. "
Coco Chanel

Received a salary and immediately distributed their expenses to:

• payment of utility bills;
• products;
• household chemicals;
• clothes;
• new refrigerator;
• summer vacation;Unplanned expenses, etc.

You can not, after receiving a salary, immediately go shopping.

You will feel like a rich man, start spending money left and right, return home with a half-empty purse and a bunch of unnecessary things.

All expenses should be made only after preliminary planning!

Tip # 2, how to spend money correctly

Balance spending with income and do not forget to invest in the future.

Of course, you want every day to have something tasty, buy the same doroguschie shoes, like a shit-Svetka, with a punt to get an iPhone in a minibus, but stop spending money on all this if these things are incomparable with your income.

Do you want to have all this?

Earn more!

If you do not delay at least 10% of your monthly income to protect your future, you are absolutely wrong spending money that you earn.

You need to invest in your future in youth, in order not to cry in old age: "Oh, I do not have enough money for anything! The state does not care about me at all! ».

Tip # 3, how to spend money properly

Do not let yourself be seduced.

Friends are invited to a nightclub, in my favorite store brought such awesome blouses, next to the place of my work a confectionery opened - and so on without end, without edge.

We are trapped in so many temptations, but learn how to resist them already.

Learn to say "No!" To friends, and blouses, and cakes.

If you do not have money, you should not borrow it or take it from the envelope "For summer vacation" to satisfy the minute weakness.

You will regret it!

Tip # 4, how to spend money properly

Approach your purchases pragmatically.

It is very important to spend money on the principle: "I need to buy", and not "I want to buy."

Of course, you can not always live in austerity, but constantly buying everything that comes to your eyes is silly.

Before you make an expensive purchase, think: "Do I really need this thing?".

It's even better not to succumb to the impulse and get your wallet immediately after fitting, and take at least one day to meditate.

If you did not change your mind for a night, then you really need this thing.

As for small purchases that steal money no worse than large ones, then accustom yourself to going to the store with the list of purchases and stick to it, and not add everything to the basket.

Tip # 5, how to spend money correctly

No debts.

Hand out all your debts and do everything to not recruit new ones. The same applies to loans.

Live within your means!

If there is no money for a new phone, go with the old one, until you save up for the coveted model. You do not need to escape to make out a loan and overpay 30% of the value of the goods.

Of course, there are times when urgently needed money for something important, but if you learn how to spend money wisely and allocate their income, you can get by with their own cash reserves.

How to save money?

A few useful recommendations how to spend money

I always feel funny when I hear the phrase: "Do not understand what happened to the money, like do not buy anything."

Even more I am amazed by the philosophical: "Money, like water, literally flows through your fingers."

Listen, well, stop fooling yourself!

Well you know where your money flowed:

• on fashionable boots, because you did not have the willpower to take them down after the fitting, even though you know that such a purchase you can not afford;
• for an unscheduled party with friends, when cocktails flowed by the river;
• for constant yummies, although the scales and a mirror literally scream: "Enough of eating!";
• for 155 lipstick, which you absolutely did not need, but the girl-distributor was so nice when she came to your office that you simply could not refuse her.

The reasons can be quite different, but every person knows perfectly well where he's pinned, just does not admit it even to himself.

Here's your first piece of advice: if you've made a rash and unplanned purchase, admit to yourself that you made a mistake, and try not to do it again.

Another tip: the right way to spend money is to reduce costs to a minimum.

This can be done in several ways:

1. Watch for promotions and sales in stores.
2. Buying goods on the Internet - it's cheaper.

3. Understand what seasonality is.

   For example, winter boots are best purchased in the summer, and air conditioners in the winter, when they are sold at great discounts.

4. Buy some products in bulk.

   For example, sugar and flour - bags, socks - packages, etc.

5. Do not be afraid to bargain where appropriate.
6. Become a client of stores with a reasonable pricing policy, which give out accumulative discount cards.

7. Get rid of bad habits.

   The average smoker consumes a pack of cigarettes per day, which is 20 hryvnia.

   20 hryvnia x 30 days = 600 hryvnia per month.

learn how to learn how to manage their finances,

also see in the video:

course, understand the science, how to spend money , it is very difficult for one day, especially if a long time you have lived, in what does notrefusing.

But all successful adults are financially literate, otherwise they would never have been able to reach such heights.