How to learn not to spend all the money: basic mistakes

Your salary is enough for exactly three days? This is not an argument for the HR department, but an excellent reason to reconsider your financial habits. To fall into the shallows at the end of the month is a trifling matter, even if your salary does not fit on a platinum card. After all, every woman has a happy talent to spend more money than she earns. It's more fun to blow money than soap bubbles in the bathroom, but there are still drawbacks in this pastime. Surely you do not like to live a week before the salary on bread and water, hide from creditors and collect small things in the pockets of winter jackets. Here are the seven main reasons for your unsustainable financial situation. You do not have a moneybag
With sudden dismissal or a planned change of job, you will be left without a livelihood. You should have a stock for a rainy day, at least, in order to be able to choose a new job, and not to agree to the first sentence (because you have already sold the cat to buy cat food). Some professions allow you to find a new place in a matter of days, for example, if you are a hairdresser or a sales manager. But if you are a "specialist in intracorporate communications" or a lawyer with a narrow profile, then is there so much demand for you?

How to fight
Suppose you can search for a job for more than a month? Start creating your own stabilization fund right now. Set aside from wages let small, but money. And the best way to do this is not to use a pig-piggy bank, but a bank account to be replenished (and hide the card away from it). In this case, you will not have such a temptation to break a piggy bank and spend all the deferred funds, besides, the interest can drip into the bank deposit, which is a trifle, but still nice.

You do not save money for large purchases
If you do not have savings for something big, whether it's a new fur coat or a trip, you will all the time have to either deny yourself a purchase or borrow money for it. But it is not always easy to find people among relatives-friends-colleagues-acquaintances who are ready to lend a tidy sum, and bank loans are not cheap now with their rather high interest rates. So even if you do not currently have a specific understanding of what you want to buy, just postpone approximately 10-15% of your monthly income. Then decide on what this money will go to - an apartment or tickets for Disneyland.

How to fight
Plan all purchases - from products to the car and consider your daily expenses. To do this, you can record in the old-fashioned way "income / expenses" or use specially created for this electronic programs, since now you can choose and install any "home accounting" suitable for you on your computer or smartphone. With its help, you will immediately notice which items of expenditure can be easily reduced or eliminated altogether, freeing "extra" money in order to postpone them. Define in advance the necessary amount that you will spend on medium-sized purchases (clothes, household appliances) and the timing of their purchase.

You have an expense item that takes half the earnings
If you spend 50% of your income on one expense item, for example, renting an apartment or paying off several loans, then you are depriving yourself of stability. In the event of a crisis or some difficult financial situation, you will not have the reserves to cut costs.

How to fight
You need to change the situation urgently. For example, begin to rent a more modest apartment, for example, moving to a less prestigious area, and let the time that you spend on the road to work a little increase, but the cost of maintaining the apartment will be reduced. Or, as an option, you can make a loan refinance, actually covering the old loan with a new one, with a more favorable interest rate.

Do you have debts or loans?
If you borrowed your daily small expenses, then you casually spent money, which did not even have time to earn.

How to fight
If you took an interest-free loan, give it in small parts and do not make new debts. If you pay interest, repay the loan as soon as possible, denying yourself the fun and excessive pleasures. The loan is justified only if it is taken for a large and necessary purchase, for example, an apartment or a car (if you can not do without a four-wheeled friend), and the monthly amount of payments is more than 40% of the total family income. If you use a credit card, return the money to the bank during the grace period without interest (as a rule it leaves 40-60 days).

If you make purchases impulsively and without thinking about the money spent, you will always be aground, no matter how much you earn.

You trust loans with a rate of 0%
Under the laws of the Russian Federation, a bank loan can not be issued at a percentage that is lower than the refinancing rate. Today it is 8.25%. And if it seems to you that you take a loan at 0%, then either you read the contract poorly, or these percentages are already included in the value of the goods, to which the store kindly provides a "zero" loan.

How to fight
Carefully read what you sign, especially written in small print and compare prices, before getting into debt, it is possible that the same thing in the online store is much cheaper than the one that flaunts in the store window with a tempting sign " interest-free loan. "

You extinguish one loan with the help of another
Are you in such a distressed situation that you have to take a new loan to pay off the old one? This is the worst situation possible. Vicious circle, from which it is almost impossible to escape.

How to fight
Urgently deny yourself everything, take a seat on bread and water, take part-time work, but do not take new loans. Otherwise you can never get out of this debt hole.

You often buy unnecessary things
You really liked summer shoes, although they are not your size, and you also bought three pairs last week. But how can you deny yourself the little joys that you deserve? But only very often after a short-lived joy comes a bitter disappointment, when it's still a long time before the salary, and all the money you sent to "this beautiful dress" and "very necessary (the 10th in your collection) phone case."

How to fight
Do not encourage yourself to unnecessary purchases. In the end, in the mall instead of the store you can go to the cinema or skate on artificial ice. Unplanned purchases - only for surplus. Kut on the last - the last thing.