Rich people say that the main thing is not how much you earn, but how much you spend. You've probably noticed that the more you get, the more your requests grow. And if yesterday you received 20 thousand and you were not enough, but today you get 40 thousand and you still do not have enough - it's time to reconsider your attitude to money.
Instructions
Step 1
Take a business approach to your budget. The first and surest way to save your family budget is to plan your expenses correctly. Maintain a business book. Now there are many convenient calculator programs for this. Divide your income and expenses into items and plan how much you will spend on a specific item. You can do this as a percentage or in specific amounts. For example, a month you spend 20% on food and travel, 15% on utility bills, 10% on charity, 15% on spending or saving for health, 15% on growth (investing, putting on a current account or investing), 15% for the purchase of clothes and 10% you have left for all sorts of pocket expenses. Or all the same articles, you can paint the amounts. Over time, you will understand how it is more convenient for you. When you receive income, put it in envelopes and never take money for food from the envelope "for housing and communal services", etc. Discipline is important in dealing with money.
Step 2
Find an incentive to save. Hang your plans in the most prominent place, let them be a reminder of what you can do in the next six months, a year. Plan some big waste and mark the moment of its commission with a bright marker. For example, "buying a car" or "putting in new teeth." Let this little dream warm you when you have to deny yourself something.
Step 3
Moderate your desires. If you received a pay raise, then rejoice, but do not plan to introduce additional costs. You were content with the same wages, weren't you? Use additional funds for savings or investments. So you will not lose anything, but you can gain a lot.
