Do you spend it thinking that he does not give you the money? Have you felt almost suffocated by everything you have to pay? Do you think that once it arrives, the money will get out of hand like water? If you ask one or all of these questions, this article is for you.
Finding out why you do not give up your money is not that complicated, in fact, a standard has been achieved for the reasons why money does not seem enough to us.
In any case, it is that, from finding these losses in your income, you begin to change the habits that prevent money from reaching you or that you can save.
Remember that this will be a disciplinary work that will represent a change in the way you consume certain products, but in the end, you can make this a new opportunity to stop living in worry and start completing tasks that you had postponed for lack of money.
Can you see the difference between your needs and your tastes?
We do not say ourselves, says the National Commission for the Protection and Defense of Users of Financial Services (Condusef): the fortnight or the payment you receive for your work has a destination and this may be one of the reasons why the money you do not have enough.
Surely you allocate your money to goods or services that are not necessary and that take a good part of your salary regardless of the periodicity of it.
Think about it, it can happen that by spending on tastes at the end you have to end up borrowing money to be able to buy the basics as a pantry when this should be your last option.
That’s why you must record your expenses between fixed and variable. Fixed expenses are those that you can not do without such as food, transportation, electricity, gas, rent and other services.
While the variable expenses are those that are changing according to the tastes and activities that you do every day such as the movies, eating out, buying clothes or attending an event.
When you do a classification of your expenses and you learn to prioritize in the fixed ones before the variables, you will realize that the money really does reach you and that it yields more than you thought.
For tastes, there will always be time, but you can not wait for the needs, but they have to be met regularly and immediately.
Do you live on your credit cards?
Credit cards are very useful to make purchases of goods that can represent a heavy expenditure or that is difficult to pay in cash, for example, furniture, appliances, entertainment devices or some accessories for the house.
Although credit can be a big help, living on a card can be a nightmare. When you start using the “cartezos” as a way to “cover holes” every fortnight and also do not have present the date of cut and payment of your card, it is when a bad relationship with it begins.
The big problem for users of credit cards is when they start paying only the minimum amount: this generates interest and from one moment to another, the destination of the salary of many people becomes the credit card.
This does not mean that you do not have a card, but you must know how to use it for your benefit and not to turn it into another problem.
Do you get carried away by your buying decisions?
Making purchasing decisions is a process that takes place in two ways: the opinion of someone close to you and the different advertising messages. You will realize that the mission of these messages is, above all, to sell, but if an advertisement comes out of something that you do not need at this moment, what do you have to buy?
The same goes for your friends or family, if a friend bought a new TV because yours does not work anymore it does not mean that you should buy one too. Remember that not everyone has the same ability to pay, but also keep in mind to what extent you need something or not.
Advertising will want to sell you ideal products that are presented as essential to living, but it is not so. Before buying something you must have a budget to determine if you can pay for it or if you are going to commit money that you would need for something else.
It does not matter what other people say or what fashion dictates when it comes to using the money you’ve earned with your effort. Always make your purchases according to your purchasing power.
Do not let yourself be influenced easily: you have the decision of what you want to buy or not.
Do you only live in the “here and now”?
Managing money correctly is not just about not using it and saving it for later. You need to know what you are going to use that money for in the future, that is, you must have an objective for that income. When this is not the case, you will surely spend on impulse and as if tomorrow did not matter.
If your idea of life is “living in the present” is not bad, but it can be a standard of short-term thinking that does not benefit your personal finances and could become one of the reasons why you do not give up money.
You can not live to the day because every time an emergency arises you will have to spend and get into debt to face it. To think that money comes and goes is a mistake because, although it may be true, it is better to form habits such as savings with which you can buy something in the future.
But more than that, saving means being able to acquire an estate: buying a house or apartment or, if necessary, a car. In addition, this planning gives you the opportunity to have an emergency fund that allows you to face situations that could compromise your money if you are not prepared.
Do you usually spend the money you do not have?
Acquiring goods and services that go out of your budget is a reason why you do not reach the money. How much you earn and how much you can spend are two essential questions when you plan your expenses, otherwise, the fortnight will never pay you.
That is why it is very important to consume only what you can afford. It is common that you spend more than you have when you use your credit card without any planning or when you do not compare the prices.
There is currently a high offer in the market of options that benefit consumers, for example, you can find suitable options for the home economy person. If you do not search and compare, the money vanishes.
Do you carry the cash everywhere?
Many specialized economic bodies indicate that taking cash everywhere is not a good decision if you want the money to be made. It is, rather, a temptation because you can spend at all times and everywhere you go, but it is also a bad decision because you could be exposed to an assault or even lose it.
These bodies recommend carrying the debit card, which is more secure, and also accept it in many establishments. Thanks to the applications that banks offer you can have more control over how much is spent because you can receive notifications about the purchases you make.
Are you faithful to a brand or establishment?
Surely you have a favorite place to buy or a favorite brand, but sometimes their prices are not the lowest, or by fidelity, you stop going to another establishment or another brand. If you always do the pantry in the same supermarket
Why not try another store to start buying? The fact of comparing prices can be very useful when it comes to saving. Do not marry a single store or a brand.
Looking for you can find cheaper places of the same quality and, in addition, favor local economies that need to start to excel. Exercising a responsible economy also has to do with this as you promote competition in significant sectors, for example, telecommunications.
If a telephone company offers you a better package than the one you have currently hired, why not consider changing? That can give you a break in your income without sacrificing communication with the people you care about.
And this is just one example, there are hundreds of services that are in constant competition so you should consider them when it comes to making your money.
Your debts do not end?
Returning to the subject of your credit card, it is likely that the reason you do not pay the fortnight is that you live tied to the payment of interest. It is a vicious circle in which you receive money and immediately use it to pay. In this sense, it would be important to design a plan to settle debts.
Think about the card in which you owe more money and pay it as soon as possible, then you can cancel that card and start to keep subject to the money you are charging.
The point is to break the vicious cycle to turn it into a virtuous circle in which you can acquire the goods you need, save money and start investing in other things.
Is not saving part of your plans?
When it comes to spending, you should ask yourself, why buy this or what does it benefit me? It is a necessity? If not, start by labeling expenses, but also identify areas of opportunity for saving.
For example, if you plan to make a trip or buy an appliance then make a plan in which you allocate savings for that purpose.
If you put labels on your accounts such as “trip to the beach”, “hook up for the car” or “purchase of a washing machine”, then you will have more control of how much you are entering that item that is important to you at this time.
Do not plan your fortnight?
Another common reason why money disappears is that you have not planned to pay for your services. Make an action plan to liquidate them, if you do all at the same time it is likely that you run out of money at the time of making payments.
Each account statement has payment deadlines and that’s why you can design a payment schedule. With this, you will avoid cuts in service and arrears. Finally, you should stop torturing yourself with the idea that money does not reach you when you think negatively, it is most likely that this will be fulfilled.
You must continue working with the same zeal every day and not allow what you see in others to affect you. Everyone has their possibilities and to the extent of yours, you must excel. That you can not do something at a certain time does not mean you can not do it later.
Do not worry about feeling chained to a debt. There are friendly options to mitigate the effects of interest. For example, you can request a credit to settle the payment of a credit card.
In the market there are hundreds of loans that have much lower interest than those imposed by a bank, and with this we do not mean that you do not stop paying, you only have to do it on time and with the awareness that money nobody gives it to you, but it comes as you continue to generate- navigate to these guys.