Today more than ever it is important to be aware of changes in finances in your country and in the world. But if such a task does not please you, you can begin to understand your household finances and manage your money easily and neatly.
In principle, if your earnings are optimal and comfortably exceed your income, you do not have much to worry about unless you want to invest a good sum of money in a business. But if your income only gives you a break, well, you must learn to manage the little you receive so as not to have surprises and make ends meet.
As a first step, you should write down all your expenses on a spreadsheet. In a row, you enter the expenses and expenses that you have in a period of one month. These expenses - which must be made before the beginning of the month in question - must be an estimate or average of the previous months. In the next row, you must also enter your expenses, but real. That is, the exact expenses you have during the 30 days. And in a third row, the difference between the two. You may have spent more or less depending on the difference between fixed and estimated expenses.
Perhaps the first month you will not notice it, but from the second and third you will notice the drain of money in expenses that you do not need, or know that for the next month you will have to adjust in some points of your budget.
This is done by large-scale companies. And it is what each family should do in their home imitating a company. It is very simple and practical, and in a short time you will have a new tool to control your money.
Excellent writing. It is very important that we learn not to violate a fundamental principle in finance and that is "do not spend more than we earn." Let's follow the author's example and don't waste our money. Without wanting to know how painful it is to throw money away, take a bill and tear it up. I assure you that this experience will make you value it more. Another way is to generate new sources of income.
Thank you Fabio for your comment. I believe that it is the fundamental precept to know how to take care of income and equate it with expenses. In this way we will learn to control money, which is so easily diluted in the face of so much consumption.
Hello friends I really liked the document, I would like to know how I write a letter of my monthly expenses, please help me write to my email if you know. it's like starting to write, not in the form of an inventory ... thanks
Hello friend, I am writing to you so that you can give me some advice to learn how to manage a grocery and vegetable store that I am starting, thank you God bless you.
I THINK IT IS GOOD WHAT YOU MENTION HERE BECAUSE ALL HUMAN BEINGS SPEND MORE THAN WE EARN AND THAT'S WHY WE PUT OURSELVES.
The secret is based on knowing how to manage it. If we manage it correctly, we will not suffer major problems.
Hello good night I want to know how to manage the money I am a csjero I earn 2000 monthly I sell trustworthy clothes but when they pay me I spend on unnecessary things
Hello, currently for helping in my house at a time when I was out of work I ended up with a negative balance on the credit card that I had just planned to pay in full this month that they will pay me in my new job, I had a % of income to start a business,% to finish university and a% to support my home and my expenses. Like last year, a large amount came into my home (for turning 20 and finishing an alimony from my father, and a very good home improvement loan) I never imagined that my mother would end the year with a balance of three You see higher of my personal debt .... looking for a financial advisor so that I do not make bad expenses, since now I am going to have to throw back my university and business plans to pay their debts, but I do not know what to do so that I can better managed.
There is some professional in these cases in the field of home administration who could recommend O_Q! Thank you