When revenues fall, you have to cut spending on food and clothing, debts grow like a snowball, and it seems that there is no way out of this situation. It happens the other way round: you got a raise, your salary has doubled, now it seems you can afford what you have been dreaming of, but ... Money seems to evaporate - and you sometimes have to borrow again, like in the old "bad" times .
How to be? With sharp fluctuations in income in one direction or another, observe several rules, and you will always be short of life.
Remember: the money account is loved
Got a solid increase? Accept our congratulations and advice: do not rush off with money in joys.
Do not buy things impulsively, under the "mood", simply because you can afford them. It is worth buying clothes or shoes that they planned to buy earlier, before increasing incomes.
It is necessary to get used to new money: the salary was divided into two parts: the amount that came to you before the increase in incomes and the one that was added. All the necessary expenses: for travel, food, utilities, payments on the loan do from the "old" amount. And with the addition it is desirable to do so: put in the bank at a high percentage. This will allow you to accumulate capital after a while.
You can spend money on a new suit or prestigious phone - in order to "meet" the new post. This waste makes sense: by strengthening your prestige, laying the foundation for further career growth, transfer to a charitable foundation or help friends and relatives who need financial support.
Soberly assess their capabilities. Do not show what you have become wealthy. Do not buy a bunch of "status" things. From the point of view of functionality, they are no better than ordinary, just much more expensive.
Do not change in relationships with others. Cherish your friends. Everyone knows that money spoils the character of people. Do not think about you that way. Do not take out new loans without paying with the previous ones. It seems to you that now you can repay any debt, but euphoria can be deceiving - it's easy not to calculate your financial capabilities.
Do not spend all your money at once. Save some money. Always write down all your expenses, and from time to time re-read your records - this will help you realize what was wasting wastes. From them in the future you can refuse.
Saving with health benefits
What is the global financial crisis, many have learned on themselves: someone was cut off his salary, someone - even fired. It is necessary to reduce costs - we will understand how to do it competently.
With each new admission to the family budget, determine for what time you should extend this amount. First of all, money should go to the most important: food, rent, payments on loans. Refuse to buy new clothes, visit a beautician, expensive tickets to the theater, go to the movies and so on - for sure you have other items of costs, without which you can do without. Get a notebook where you write down every waste. This habit will help you save up to 30% of your salary!
Do not buy things on credit. It's very unreasonable when you do not know what your income will be in a week or a month.
It is better to postpone the purchase . By the way, cutting costs, do not overdo it - do not sit on bread and water. You can save on products with health benefits: refuse refined delicacies, expensive varieties of sausage, confectionery, other sweets, from beer and other spirits. Look for a good job in the specialty, but do not give up any opportunity to earn extra money. With the benefit of spending free time, right now you can do what was postponed for a long time: to disassemble things in the pantry, to show the child to a specialist doctor, to visit relatives.
Talk to the children , explain to them what the crisis is and why you have to save. Discuss the current state of affairs on the family council: we have had a life test, and we decide to abandon something now. Most likely, children will listen to your words.
And do not look too gloomy at the situation! Believe, in any circumstances you can find something to rejoice. Do not forget about the rest: remember, for example, books that you have always lacked time for.
Three articles of economy
International calls: by installing a Skype program on your computer, you can talk with relatives abroad and pay only for the Internet.
Mobile communication: carefully study the new tariffs of the operator. Perhaps your old customary tariff "eats" much more than you can spend, switching to a new one.
Rest: after spending some time searching for a hostel or inexpensive rented accommodation, you will spend much less money than in a hotel.