Many people think that tracking home finances is boring and complicated. In fact, this is not the case. The problem is that most beginners are trying to elaborate on this and they spend a lot of time on small expenses. Of course, they will soon become bored and conclude that household accounting is not their cup of tea.
The first step: home accounting is simple
trying to track all small expenses is the most common mistake. In fact, you do not need to enter all fees in detail. Instead, focus on what really matters to you. Food (usually families spend most of their money on food), regular and fixed payments (rent, telephone, transport and loan), property (clothing, furniture and utensils), entertainment (alcoholic, cafes, movies) and other things ( Include all unplanned costs such as gifts). The latter two types require special attention because you should monitor them carefully and reduce them if possible. Of course, reducing food expenses is not easy because you have to eat a lot. We can't do that, at least not so fast.
Later, if you are satisfied with accounting, you can spread the necessary expenses to a smaller fee. For example, you can divide food into essential and non-essential items, with little candy, chewing gum and soda. You can use this method to split the item category so that you have basic and non-essential items (actually, it's unnecessary to buy things by impulse). Keeping the second type of control may even be a bit less, but don't be fanatic because we are all human and we all have our own weaknesses. Well, wait. You can split the category into unlimited, but this is for home accounting professionals. Beginners should focus on several important categories.
One of myths You need to monitor every penny. This is a time-consuming, tedious and tedious job, but you can't leave this
In fact, this is not true You need to control large amounts of Cost, use 4-6 basic categories, no longer needed
So let's break a myth. When you come home from a supermarket like Auchan, the cashier's receipt is as long as 1 meter. Is it really necessary to spend all the time entering the program's data throughout the night? of course not! Pay attention to basic expenses. For example, you buy a few bottles of beer in the evening, buy a bottle of whiskey on the upcoming Christmas and New Year holidays, a stool in the kitchen, and a lot of food. Do you remember that there are no cashier's receipts, right? Therefore, all you need is the total amount of receipts. If you have already mastered your financial situation, this is easy to obtain. Simply deduct the amount of money in your wallet from the program. As you can see, we do not need a cashier's receipt. We can easily figure out how much we spend today and remember the price of beer and whiskey. In addition, we still remember the cost of the stool, because we checked it before buying (because you know that something may happen on these days, and you may end up spending a cheap bargain like an airplane during checkout). Therefore, we only enter three things in the plan. It used to be alcohol, feces and food. If you also bought socks, don't be afraid, but foolishly forget this point, this purchase is included in the food. Practice shows that these trivial matters will not distort the overall situation. Forget about it. Next time, you will buy a screwdriver, an electric fretsaw, and a kilogram of potatoes on your way home. Of course, you will forget the potatoes and classify them all in the item category.
Myth II You forgot to enter something and everything went wrong
This is wrong Actually, everything is fine, potatoes Compensation socks Always Some of them are interchangeable
So we spend a few minutes at night to enter the cost and in return fully control our funds. This is fine, right? Another good habit is to count the money in your pocket once a week and check it according to the amount in the plan. If the two groups do not match, try to recall what you purchased last week and adjust the balance. As a rule, unclear items are food and entertainment (chewing gum, soda and beer). These two categories are like a black hole. You should look for lost money.
Step Two: Planning
You need to spend time planning future expenses instead of entering income and secondary costs strictly into personal wealth managers. This part is the most important and interesting part of family accounting.
Plan everything. Let's say, for example, that winter has passed, your old boots are completely worn out, and this jacket is no longer suitable for wear. You need to buy a pair of new boots and a coat for the next season. Enter this future jacket and add the fee to the program somewhere in early October, specify the approximate amount, and in the first winter snow you will never find yourself wearing summer shoes.
Myth III Home Accounting Means Recording All Expenses and All Expenses
Not exactly, planning costs are more important Planning can prevent you from being at the most When you are out of date, you are penniless.
Plan everything. Soon you will clearly understand your financial situation, both now and in the future. You will see how much spare money you have now, how much you can save for your vacation, and how much money you will spend in the near future. not enough? Do you think that you can take a vacation on the island this summer? What should I do? Well, this is a solution. You can make a loan, fly to the Maldives, forget everything. You must repay your loan in any place. It is time for fun. Of course, this is a joke. Loans for holidays are the biggest financial mistake you can make. But this is a way out. Let us continue with the next chapter.
Step 3: Cut expenses
Now we feel the pulse of our financial health. We control expenses and plan for the future. It is time to reduce unnecessary expenses and establish reserves for the rainy days.
Myth IV There is no plan to help you reduce costs You just have to earn more
Well said! Actually, learning more is not easy because it looks a lot like Practice shows that salary growth is slow and expenses increase rapidly looks like you earn more, but still don't have enough money ]It will flow away What should be done?
As I mentioned at the beginning, we need to divide the expenses into smaller fees. Decompose food into necessity and unnecessary. The same is true for clothes. Then start tracking costs in more detail. This means that you have to do more work, but since you are already accustomed to this program and complete the task as soon as possible, it only takes a few minutes a day. You will soon find that most of the money is spent on unnecessary things. If their salary is doubled, you will not eat twice as many potatoes, right? You are more likely to buy some potatoes, ah, it's so wasteful! Of course I am joking, but as you know, there are some facts in each jokes.
So, we must first determine the unnecessary costs, and then gradually reduce. This is not difficult, because we all know that many of the things we buy are not actually necessary. When we buy them, we have a momentary impulse and regret. It's much easier to control yourself and understand your finances clearly in front of your eyes. (The most important thing is that terrible money is wasted on nonsense. We need to reduce unnecessary expenses. It's not painful, very good, actually, If you take care of your financial situation, plan and reduce unnecessary expenses, you can easily achieve all this with just three simple steps
This is my last suggestion to save money. The amount is very important and useful This allows you to buy expensive things without a loan. If you are fired or left yourself, you can spend time looking for new jobs. You will have enough time to explore many options and choose the best ones. Instead of the first choice, you see a low salary and poor working conditions because you have no money. If you are not immediately employed, but there is nothing to eat, this is a very sad choice and should be avoided. If you have the opportunity to chat with your friends? Just how sad it is to lose it because you have no initial capital. Always keep the extra money, You will open up a new prospect that you have never noticed.
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Orignal From: How to use personal financial software rights
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