Personal finances are like teeth: without proper attention and care they will begin to bring discomfort and possibly pain. There is even a risk of losing them completely. It’s worth giving credit: many people understand this and try to manage their budget, looking for extra ways to earn more, like playing Detusche casino online or searching for an extra job. Let’s get acquainted with the rules of financial control. Follow them, and you’ll stay in the black.
Spend Less Than You Earn
If you’re used to spending until the arrow on the financial speedometer freezes at the zero dollar mark, then it’s impossible to come out in the black a priori. What’s more, you won’t have any financial cushion for emergencies. That’s why it’s important to set a limit that you won’t spend more than that. Or put a small amount of money into a separate account right away on payday. Gradually the amount will grow, and you can either buy yourself something expensive, or leave it for reinsurance. You’ll be surprised at how good it feels not to feel like a pauper by the end of the month.
Set Priorities and Be Pragmatic
Let’s imagine a life situation: the end of the month, a week until payday, and not much money left. You return from work tired and pretty hungry. The last thing you want to do at home is stand at the stove, and you decide to order a pizza. It’s delivered to you, so delicious and hot, it instantly fills you with a desire to live. The very next day, after work, your friends call you to the cafe. Then abruptly comes a utility bill that you forgot about. A few days later you realize that your finances have dried up, and you go to borrow, which automatically reduces the amount of your upcoming salary.
To avoid this, you should have immediately calculated and set aside money for necessary expenses such as transportation, utilities and food. Only then would you have realized whether you can afford to go to a cafe with friends. Try to see ahead and not just float serenely on the financial current. To do that, you need to get your priorities straight.
No Impulse Buys
Impulse purchases attack your finances on all levels, literally. You need to understand that this is primarily a manipulation of your emotions. They are what make you make impulsive, spontaneous purchases that you will later regret. More often than not, things bought under the influence of emotions are not useful or practical, so they are automatically relegated to the rank of junk.
On the Internet, there are many tips on combating impulse purchases, but we stand out among them. It doesn’t require any high effort on your part. All you have to do is put off your purchase for 2-3 days. During this time, you can think about and understand whether you really need this thing. The funny thing is that you can forget about it just a couple of hours after you leave the store. This will be the best proof that you don’t need it, but the finances won’t suffer.
Don’t Take Responsibilities
Organizing hangouts or holidays, going out of town, buying gifts – try not to take responsibility for all of this if you don’t want to go into deficit. Practice shows that it’s extremely rare that a person who invested his own money initially was able to break even. There are a thousand nuances, because of which people either do not want to discount their portion, or discount less than they are supposed to. In any case, we don’t advise you to take any chances.
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