Few of the people who have a natural inclination and love of accounting.Most of us at the words "financial planning", "cost optimization", "budgeting" and the like begins to involuntarily yawn.In fact, all this does not seem so dull when it touches you personally.Many familiar with the situation when a week after receiving the salary money is "just" to the next, and after a week or two it turns out that it is time to look for a lender to the next payday.We all know - a lot of money does not happen.Of course, each has its own criteria for "small-lot", but that's a separate issue.
Optional develop all economic wisdom to learn how to properly plan their income and expenses.Meanwhile, the basic knowledge and skills in this area could be useful to every person, regardless of the size of income and marital status.Keeping the family budget can be rationalized by a very simple principles, theory, known to everyone.Only this knowledge, many still remain due to the theory of laziness or lack of faith.
How to make a personal financial plan
The first thing to understand and fix what we have in terms of income and expenditure.Whoever gets more or less stable wages, with a source of income to cope easily.But to determine the amount of the costs will have to work hard.You must start to record all your expenses in tetradochku (computer file, a specialized program, which is now set - choose one option accounting to your taste).The key word in the last sentence - everything, because, after a month, you will be surprised how much money flies almost "nowhere."
a month or two meticulous records, you can proceed to the most interesting - the analysis.This moment is fraught with a lot of "wonderful discoveries" even for those who do not spend money recklessly.It is important to analyze not only all items of expenditure, adjusting them for the future, but also the ratio of income and expense.This is a good occasion to reflect: can not make a better effort to tighten the economy, and on efforts to make more money?
all think carefully about, you need to make a personal financial plan.Here - complete freedom of creativity, taking into account, of course, the previous analysis.
- can only recommend to allocate such an article as "contingencies", putting it about 10% of earnings.This is to be repaired - life constantly throws up surprises.Not to be confused with the money Potbelly "rainy day"!If you can not spend the amounts included in the surprise, you can safely dispose of it - at least postpone, even yourself something indulge.
- personal financial plan must contain a clause of "accumulation".All experts in the field are unanimous in the fact that 10% can be safely delayed, regardless of the size of the salary, no matter how it seemed that the tighter the belt will not tighten.And these 10% more reasonable right to transfer to a separate bank account so as not to be tempted to spend.A man who does not have a soul of a monetary reserve, can not be trusted not only tomorrow, but in the present day.
- composing a personal financial plan should not be much to cut spending on health and education.These amounts can be considered a contribution to the future, because the sick person is unlikely to adequately provide for themselves and loved ones, and training can provide additional sources of income.
- necessary to thoroughly consider normal, "correct" ways of saving, iewithout much damage to itself.Optimize costs can be different - for example, book shop online, choose the best tariff for mobile communications, digital television, not to shun shares, sales, discount sites (they are now very much), etc.
- If your personal financial plan includes this item as cigarettes, multiply the amount pledged in the last month by 12, and then also the number of years that you would like to spend more.How do you result?Are you still willing to spend such denzhischi the fact that you let go of the period decreased significantly?Slow suicide for the money - a dubious expenditure.
- Finally.Money should work.If there is to invest - do it (only good think - where), even in the bank, and the percentage is small, but getting it is still nice.The more funds turn, the faster they accumulate.Do not be stingy, but cease to squander.Success!
