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Money, personal finance
How to learn to spend money correctly?
Recently in increasing frequency it is necessary to hear expression «There is no money». They, certainly, at all are, but why all do not suffice them. And it concerns not only at whom the small salary, but also to at whom it NOT the SMALL.
And I think, that all it goes that people simply are not able to consider the money, do not know, how many it is necessary to them to live to the following pay, and are not able to spend correctly that there was no constant over-expenditure.
So, if money has not learnt to spend you correctly, and to you has bothered to fall for the bait owners of shops and to leave there half of salary, it is time to you to understand, as it is possible to spend money correctly not to regret about содеянном as about any awful crime and to suffer then over a question who is right and who it is guilty and why again does not suffice you.
Ability to spend money can be divided into three parts: the first part – preparation for expenditure, or the expenses, the second – process of an expenditure of means, and the third part – the analysis of expenses which you have made.
And so if to speak about preparation for expenses here it is necessary to answer itself fairly some questions: on what? Where? How? And why? You are going to spend money
Question «on what?» Directly it is connected with planning of expenses and budget drawing up for a month. You precisely should know, how many money and for what kinds of expenses you are going to spend.
Question «Why?» Proves expediency of the expense. We know, that at first the person who aspires to financial independence, satisfies necessary requirements including pays the future, allocating for it the first 10 % of the income, and then already if means allow, pays for the pleasures.
Question «Where?» Should define a place where you will make purchase. And it should be not the first shop which has casually got on road, and carefully chosen – where the parity of the price and quality satisfy to your requirements and where there is a possibility to receive any discount, or the prices there allow you to save any money.
Question «As?» Should direct you on a way of thorough training of the list of purchases. I.e. you come to shop not simply so, and precisely knowing, that you need to buy, and even under a barrel of a pistol you nobody will force to depart from the list on a step because then the house of the dream, or something another of what you dream today, is bought not by you, and the owner of shop in whom you are going to spend the next sum of money.
Purchase process means sequence of stages:
1. The realised choice with desire something to gain as a result of purchase because anybody yet did not cancel an economic campaign. And that have gained, have saved, put in other pocket that these sums smoothly have passed in the category of savings.
2. Calculation for purchase includes transfer of money and check check, after all cashiers too people and can be mistaken, and can simply dissolve you on money if you do not show attention to that is written in the check. Also do not forget to keep the check because it you still to be useful for the analysis of expenses.
What it is necessary to know, when you make purchases?
I think, that it is necessary to know all cunnings of owners of shops and all marketing courses which are directed on your purse. What does it amount to? it means, that the calculation, for example, chocolates or chewing elastic bands or other small pleasures on cash desk before an exit from shop is calculated on impulsive purchase. While you stand in a queue, your sight is anyhow directed on all these chocolates, candies, and if you also are hungry to be kept from purchase it will not turn out.
Besides, manufacturers and owners of shops use gifts as the appendix to any goods. It still calculation on the emotional factor: it is pleasant to all to receive gifts. But for this gift you should pay cost of the goods which is not necessary to you. Therefore – look in the list more often!.
Do not participate in advertising actions and sales if you were not going to buy the given goods!
Do not go to shop on a hungry stomach, otherwise decisions will be accepted not by yours of goals, and a stomach which wishes to eat!
Ask itself a question during purchase: «It really is necessary for you?»
After you have made all purchases which planned, find some minutes to look that you have made, coolly. Carry out the analysis of expenses.
To do it it is necessary, even if to you is for what itself to abuse. It is necessary to understand carefully, whether you could adhere to the list which have prepared, on what means if you have departed from the list have been spent, whether it was possible to refuse these expenses that has affected decision-making, whether it was possible to cut down expenses that next time it not to do.
Write out the REASON which has forced you to open again the purse and to make not planned expense, RED LETTERS, cross out a black cross and hang up to yourself on a refrigerator or in that place where YOU often look. Also convince itself that this reason NEVER under no circumstances any more will not force you to spend even one copeck.
You should study on the errors next time not to make them again.
Also continue to analyze a situation until remain itself are happy.
Believe to me, as the list of purchases will be undergone by change, and the sum which you are going to spend. And each time when you will be happy with yourselves, you will know, that the saved rouble is the earned rouble because it is always easier to save it, than to earn.
But if in the financial acts you manage to do both that, and another simultaneously, namely: both to optimise expenses and to increase incomes you never can complain that you «do not have money!», because then money at you will be always! I to you guarantee it!
So, if money has not learnt to spend you correctly, and to you has bothered to fall for the bait owners of shops and to leave there half of salary, it is time to you to understand, as it is possible to spend money correctly not to regret about содеянном as about any awful crime and to suffer then over a question who is right and who it is guilty and why again does not suffice you.
Ability to spend money can be divided into three parts: the first part – preparation for expenditure, or the expenses, the second – process of an expenditure of means, and the third part – the analysis of expenses which you have made.
And so if to speak about preparation for expenses here it is necessary to answer itself fairly some questions: on what? Where? How? And why? You are going to spend money
Question «on what?» Directly it is connected with planning of expenses and budget drawing up for a month. You precisely should know, how many money and for what kinds of expenses you are going to spend.
Question «Why?» Proves expediency of the expense. We know, that at first the person who aspires to financial independence, satisfies necessary requirements including pays the future, allocating for it the first 10 % of the income, and then already if means allow, pays for the pleasures.
Question «Where?» Should define a place where you will make purchase. And it should be not the first shop which has casually got on road, and carefully chosen – where the parity of the price and quality satisfy to your requirements and where there is a possibility to receive any discount, or the prices there allow you to save any money.
Question «As?» Should direct you on a way of thorough training of the list of purchases. I.e. you come to shop not simply so, and precisely knowing, that you need to buy, and even under a barrel of a pistol you nobody will force to depart from the list on a step because then the house of the dream, or something another of what you dream today, is bought not by you, and the owner of shop in whom you are going to spend the next sum of money.
Purchase process means sequence of stages:
1. The realised choice with desire something to gain as a result of purchase because anybody yet did not cancel an economic campaign. And that have gained, have saved, put in other pocket that these sums smoothly have passed in the category of savings.
2. Calculation for purchase includes transfer of money and check check, after all cashiers too people and can be mistaken, and can simply dissolve you on money if you do not show attention to that is written in the check. Also do not forget to keep the check because it you still to be useful for the analysis of expenses.
What it is necessary to know, when you make purchases?
I think, that it is necessary to know all cunnings of owners of shops and all marketing courses which are directed on your purse. What does it amount to? it means, that the calculation, for example, chocolates or chewing elastic bands or other small pleasures on cash desk before an exit from shop is calculated on impulsive purchase. While you stand in a queue, your sight is anyhow directed on all these chocolates, candies, and if you also are hungry to be kept from purchase it will not turn out.
Besides, manufacturers and owners of shops use gifts as the appendix to any goods. It still calculation on the emotional factor: it is pleasant to all to receive gifts. But for this gift you should pay cost of the goods which is not necessary to you. Therefore – look in the list more often!.
Do not participate in advertising actions and sales if you were not going to buy the given goods!
Do not go to shop on a hungry stomach, otherwise decisions will be accepted not by yours of goals, and a stomach which wishes to eat!
Ask itself a question during purchase: «It really is necessary for you?»
After you have made all purchases which planned, find some minutes to look that you have made, coolly. Carry out the analysis of expenses.
To do it it is necessary, even if to you is for what itself to abuse. It is necessary to understand carefully, whether you could adhere to the list which have prepared, on what means if you have departed from the list have been spent, whether it was possible to refuse these expenses that has affected decision-making, whether it was possible to cut down expenses that next time it not to do.
Write out the REASON which has forced you to open again the purse and to make not planned expense, RED LETTERS, cross out a black cross and hang up to yourself on a refrigerator or in that place where YOU often look. Also convince itself that this reason NEVER under no circumstances any more will not force you to spend even one copeck.
You should study on the errors next time not to make them again.
Also continue to analyze a situation until remain itself are happy.
Believe to me, as the list of purchases will be undergone by change, and the sum which you are going to spend. And each time when you will be happy with yourselves, you will know, that the saved rouble is the earned rouble because it is always easier to save it, than to earn.
But if in the financial acts you manage to do both that, and another simultaneously, namely: both to optimise expenses and to increase incomes you never can complain that you «do not have money!», because then money at you will be always! I to you guarantee it!
The author: Galina Ostrikova