After receiving a regular salary, get behind the calculations and pre-cook four envelope. So teach in Australia. Russian businessman living in the Green continent, Max Krainov (www.kraynov.com it is among the most widely read websites of national entrepreneurs) quickly realized that even the huge pile of money (quite real) can quickly melt away if the time has not caught on and did not learn correctly calculate the family budget. Learned. And now successfully teach others. On the Internet, he passed for the most advanced layfhakerom for Financial Affairs.
For example, street vendors, always planning the budget for weeks, he created a method to the four envelopes. " "It is important to determine how much money you can spend. First, I recommend defer some portion of wages (10.5%), as they say, a "rainy day" or "reserve" (not in an envelope, and in a box or a bank. - Note. ELLE) - detail tells Maxim. - It is particularly useful when a person loses a job or there are unexpected expenses. Of the remaining money you need to subtract the fixed costs: rent, mortgage payments and gifts for birthdays (the money goes directly, so that the envelope is also not needed. - Note. ELLE). In fact, the gifts are often the reason for the people by the end of the month is not enough money. The remaining amount is divided into four envelopes. One week - one envelope, thought to be taking money for food, entertainment and more. It is very well disciplined. " For the recognition of Maxim, it is not just the letter with gratitude for what he has kept his family. "Although the domestic psychologists, I was not going to be written" - laugh off it.
There are quite unconventional advice. For example, not to make impulsive purchases on the Internet, Protect yourself and simply freeze the bank account. In a literal sense. Put the credit card in the tank with water and place in freezer. In the case of an acute desire to buy something you will need some time to unfreeze the card, and so will a great opportunity to consider the purchase or even change your mind. Or another very simple rule. Never, never go to the grocery store hungry (or a little podshofe). Spend more. Better to walk and fed with the list (it saves up to 30% of funds). And remember: things are bought in large quantities, slather. A huge pack of paper towels will sink into oblivion in a matter of days, since your head is always in the future there will be a great set of towels in reserve.
Or another rule - "100 dollars". If your purchase costs more spontaneous this amount, then each additional $ 100 needed to wait for 1 day. For example, if you really wanted a brand new phone for $ 400, wait for 4 days. Maybe your plans have changed.
To spend less, you need to know exactly the price of things, decided Krainov. Since the optimal value of hours in his opinion (if not present) should be no more than 2% of salary. For women, this rule applies to bags and hats. Then purchase will fit your social status. The size of the mortgage loan does not exceed your net family income, multiplied by two. TV and refrigerator should not be changed more frequently than once every eight years. And on the sales you can buy not only clothes. Even the porcelain gets under Sail - Spring theme in September and autumn - in March. "New models of bicycles usually appear in February and March, so in January - February, older models are beginning to be sold at a discount to make room for new collections. And the computers will be cheaper in August, before the academic year, and in December, "- said kraynov.com.
Not worth spending big money on a hobby. Easel, a tennis racket and guitar does not necessarily have to be new. As for the future fate of your hobbies is unknown, it is likely that the acquisition will be collecting dust in the closet. "Statistically, if the hobby did not stick, tennis racket used only three times," - says the extreme. In Australia, this is a hobby-rule applies for a hunting rifle.
