A financial expert tells you how to properly manage your money. Everyone knows how to spend, but only a few can make money. In order for the new year to have enough money for everything planned, you need to follow the rules. "Omsk Here" learned from the independent financial advisor Tatyana Trifonova how to properly manage funds in order to fulfill the most cherished, sometimes transcendental dreams. Create a "safety cushion" As a rule, this is the amount - the total income of the family, received in a period of three to six months. In the event that you lose your job, there should be enough funds to keep afloat for six months. For example, if the income is 30 thousand rubles per month, then the airbag must be at least 180 thousand rubles. It should be postponed gradually - 10% of income. To do this, you first need to analyze the budget, schedule mandatory and spontaneous spending. Revise mandatory spending If, for example, it is impossible to get rid of the rent, then it is better to get rid of loans. For this, you can sacrifice item number 1, that is, not save money for an airbag. It is important to close loans within one to two months. After that, you can save money "for a dream"! No spontaneity Someone dreams of a car or an apartment, while someone is constantly thinking about vacation. To do this, spontaneous costs must be kept to a minimum. To do this, you need to set yourself the goal of accumulation. Besides the airbag, you need to save money for your dream. Every time you want to spend money on some nonsense, you need to remember the dream! To keep unnecessary expenses to a minimum, start a notebook of expenses and income. Oddly enough, it works just as well as a calculator. You will begin to control finances, you will not make unnecessary expenses. Ideally, everyone should have an airbag and money for a dream, but in reality this is not always the case. May you have enough funds in the new year to buy what you want. Heed our advice - dream and save!
Save Up For A Dream! The Financier About The Rules Of Saving Funds
Video: Save Up For A Dream! The Financier About The Rules Of Saving Funds
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