Many families, especially those who get monthly income, get into trouble when it comes to managing money to pay the expenses for the entire month, until reenter income at home the following month. Then said can not be reached this month. There are many expenses that must be addressed (mortgage, car, food, transportation, schools, etc). Can we do something to prevent such economic burdens?
Without attempting now to be wizards of finance and provide great recipes, we describe some features that can help us improve our situation.
Obviously, the main solution would be to increase revenues and lower costs.
As incomes increase, it will be something in the medium term, and can pass for trying to improve our technical or academic training to try to improve our jobs and our wages, or find another job with better economic conditions.
The second part, to reduce expenditure, we can implement more effectively and immediately.
Draw up a monthly budget plan
Our passes make a monthly budget.
Although we believe that control costs, having a plan and carry out carefully help us much.
First, will the total household income. If income is variable, will an average amount prudent, not excessive.
As fixed costs must be borne in mind that are inexcusable and will have to pay: electricity, water, telephone, gas, mortgage and other loans, community neighbors, food, transportation to work or school, etc. . Will add these expenses and that amount will be untouchable.
Any remaining, we'll leave for variable expenses. The only remaining inexcusable contingency will use medications, school supplies, etc. Try not to spend just to see if we are better off.
There are many ways to stretch the money for expenses not essential. We leave the coffee bar and take it home (20 days of coffee = 24 €), breakfast not out (20 days x 3 € = 60 €), leave the car at home and cycling to work (save a long time money and stress), or use public transport with their subscriptions. We can buy food at cheaper establishments. And going out to dinner later this month, when we see that we have a little extra money. We can also try reduce fixed costs, such as consumption of light: is it really necessary to have air conditioning at 16 degrees? It is not even healthy. Or heat in winter to 26 degrees to go home in short sleeves? Maybe we can get to 21 degrees, and go with our very comfortable gown. If we put energy saving light bulbs, save on the bill at the end of the year. Do I need to talk so much on the phone? Have to put a monthly cap and speak only what is necessary. Putting the washer fills and using sprays on the taps also spend less water.
But the biggest expense faced by households is mortgage payments. Many times, your payment is almost all of our income. And people keep mortgage because the rental market does not offer much cheaper prices than mortgages. Solving this is not in our hand, but is there any way to soften the economic bleeding.
In cities, many people traditionally have gone to live in the surrounding villages, giving birth to the popular commuter towns. There are cheaper houses, although their prices are still soaring. In cities such as Madrid or Barcelona, \u200b\u200bprices of apartments in the suburban towns are not very affordable. But in other provinces, you can still save a lot on the house if you're willing to live 40 minutes away by car. You can save halfway, it will be a great relief payments in the future. And another option is to seek work in areas with cheaper housing (there are provinces with more affordable housing than others.)
In short, do a budget with expenses inexcusable and leave the rest for contingencies. Also, try to minimize the consumption of electricity, water, telephones, gasoline, bars and restaurants.
not to consume more than we always have a better life.
VIA - tengodeudas.com
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