Put an amount aside in the beginning of the month and cut your credit cards in half.Set that amount aside after all invoices that come back monthly are paid (so put the expiration date of those invoices in the beginning of the month). Then learn to forward with the remaining amount until the next date you are paid. You will see that you start saving so unseen. Also, turn off the option to go below zero.
Yes, you can.As in the previously given answer it starts with spending less than you get inside. How do you do it best? Very simple: Create a cash book.
That doesn’t have to be complicated, just create an Excel sheet in which you keep all the expenses you make per month and all the revenue you get.The condition is that you really make all the expenses, so also that ice cream what you buy on the street or the cost of your lunch in the company restaurant. Then it becomes very insightful where you give your money on. And then you can see where you can cut down when earning more money is not an option.
A good example is the aforementioned company restaurant.If you’re every day there for 芒 ‘ 卢 4 lunch that doesn’t seem that much, but will cost you that on a monthly basis soon 芒 ‘ 卢 88, assuming a 5 day work week. Taking bread from home will not cost you much more than 芒 ‘ 卢 0.50 per day, so instead of having to go for lunch yourself, you’ll be able to get a lot of it as 芒 ‘ 卢 77 per month. And in the cash book are all your expenses, go there with a dust comb to see what is really needed and what is not. For example, look at subscriptions you don’t or barely use, insurance for phones you’ve long replaced, expensive channel packages for your TV, and so on.
And also check out the things you want to buy with a critical look.Do I really need that expensive phone of almost 芒 ‘ 卢 1000? Because calling, whatjuices, good foto芒 鈧劉 s make or viewing Facebook can also be on a device of 芒 ‘ 卢 200. And then you quickly saved a lot of money. Another cost item where you can save a lot of money is going out. For example, I and my friends like to drink a beer, and in the pub we can tick there 芒 ‘ 卢 5 per glass (albeit half a litre). So we no longer speak in the caf茅, but come together at home. In the supermarket I buy for a little more than 芒 ‘ 卢 1 A glance half a litre of Heineken, for the price of 2 glasses in the pub I am now the whole evening under the pans. If you take a taxi, please install Uber on your phone. That also saves you a lot of money. What I want to say is that you don’t have to bite a little wood, but there are often many cheaper alternatives without having to deliver on quality.
And also all other small savings count together and make sure you keep money at the end of the month.If you have succeeded, make sure that you will save automatically, if only 芒 ‘ 卢 50 per month to start with. That goes unnoticed and you still have a nice amount at the end of the year. And that monthly amount you can adjust if you manage to keep more about it easily upwards. In addition, if it is on your savings account, you also give it less ease.
Success with it.