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Ingenious financial plan! With this method, you are easy to learn how to properly distribute the money.
Bashny.Net
The main problem of many people is that they spend more than they earn. A huge range of products in the shopping centers, a variety of tricks in marketing, as well as the desire to appear successful in the eyes of others encourage us to buy unnecessary items. It is often difficult to answer the question about where the salary had gone. Familiar? To avoid this from happening, you need to plan your family budget and learn how to manage finances. The most popular and convenient way to control costs is the method of "4 envelope».
1. Define monthly income.
If your income each month is different, then determine its average size. For example, 3500. Immediately deducted from this amount, 10% (350 den. U), to be postponed. Please Accumulate small amount at a rate of about three of your income and put it on deposit. You will be 3150 den. units.
2. Subtract the necessary payments from the remaining amount.
There is a question of the payment of rent for an apartment, utilities and much more. Do not forget also to postpone repayment of the loan, if you have any. Let's say it's somewhere in 1200. You will be 1950.
3. We define social spending.
This type of spending money on gifts are loved ones, meetings with friends in clubs and restaurants, and more. Let this you need 150 den. units.
Total you will be 1800. The amount that you receive as a result, divided by 4, 3, because in the month of more than 4 weeks. Distribute the money in four envelopes. In this case, it turns out approximately 418 den. u This is the amount you can spend for a week. Make sure that it was enough to.
Nothing complicated in this method is not, but it is very effective. If you managed to spend less money than planned, it's just fine. You can treat yourself to some nice gift, to spend on entertainment or postponed.
Of course, it is impossible to immediately go from uncontrolled spending to the full control of your finances. But it is worth trying to do. With this method, you will be easier to achieve their goals.
Share information about the method of "4 envelope" with his friends.
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1. Define monthly income.
If your income each month is different, then determine its average size. For example, 3500. Immediately deducted from this amount, 10% (350 den. U), to be postponed. Please Accumulate small amount at a rate of about three of your income and put it on deposit. You will be 3150 den. units.
2. Subtract the necessary payments from the remaining amount.
There is a question of the payment of rent for an apartment, utilities and much more. Do not forget also to postpone repayment of the loan, if you have any. Let's say it's somewhere in 1200. You will be 1950.
3. We define social spending.
This type of spending money on gifts are loved ones, meetings with friends in clubs and restaurants, and more. Let this you need 150 den. units.
Total you will be 1800. The amount that you receive as a result, divided by 4, 3, because in the month of more than 4 weeks. Distribute the money in four envelopes. In this case, it turns out approximately 418 den. u This is the amount you can spend for a week. Make sure that it was enough to.
Nothing complicated in this method is not, but it is very effective. If you managed to spend less money than planned, it's just fine. You can treat yourself to some nice gift, to spend on entertainment or postponed.
Of course, it is impossible to immediately go from uncontrolled spending to the full control of your finances. But it is worth trying to do. With this method, you will be easier to achieve their goals.
Share information about the method of "4 envelope" with his friends.
via takprosto cc
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