Rich people say that the main thing not that how many you earn, and that how many you spend. You, for certain, noticed that the more you receive, the your inquiries grow more. And if yesterday you received 20 thousand and was not enough for you, and today you receive 40 thousand and all the same is not enough for you – it is a high time to reconsider the relation to money.
Instruction
1. You approach the budget efficiently. The first and most certain way to save the family budget – it is correct to plan the expenditure. Keep the economic book. Now for this purpose there are many convenient programs calculators. Divide the income and expenses on articles and plan what sum you will spend for concrete article. You can do it as a percentage, or in the concrete sums. For example, in a month you spend 20% for food and for journey, 15% – for payment of utilities, give 10% for charity, spend 15% or postpone for health, give 15% to growth (you put, you put on the settlement account or you invest), 15% for purchase of clothes and 10% at you remain on any pocket expenses. Or you can paint the same articles with the sums. Over time you will understand how it is more convenient for you. When you gain income, display on envelopes and never take money for food from an envelope "on housing and communal services", etc. In the relations with money the discipline is important.
2. Find an incentive for economy. Hang up the plans on the foreground, let they will be to you a reminder on what you can make in the next half a year, year. Plan some large expenditure and note the moment of its commission by a bright marker. For example, "we buy the car" or "I have a new denture made". Let this small dream heat you when you have to refuse something to yourself.
3. Moderate the desires. If you got a rise to salary, then rejoice, but do not plan to enter additional expenses. You were content with the former salary? Start up additional resources for accumulation or in investment. So you will lose nothing, and will be able to get a lot of things.