Learning to save money

Visualise: you'll have more money going forward. How? Controlling your spending. The task of paying bills on time and make a little money left over at the end of the month can seem impossible. After all, no one is now filled with the wallet ... But with willpower and adjustments in daily life, you can indeed plan the perfect budget. "Just keep in mind that saving the market, for example, can yield a journey ', says consultant Augusto Savoy, St. Paul. With his help and another expert, consultant Mark Crivelaro, São Paulo, Viva! calculated how you should distribute your dindim to get out of the choke and start planning investments! 1 - Make ALCULATION of all your expenses for a month, list your normal expenses - without forgetting the small back! With the list in hand, separate them into subgroups, such as housing, food, bills, transport and leisure. Add it all up and cash value of your income. Lacked money? It's time to analyze and figure out what you're strangling their finances. To do this, follow the perfect budget table (in the table). Example: if you win £ 1 500, accounts payable should not exceed $ 150. 2 - Learn how to save part of the money Do not delay: on payday, save a portion of salary in savings. This reserve can be used for expenses such as school supplies, clothes, dentist etc. The other party shall render the bank and be used in the purchase of a car, for example, or a new refrigerator. If you have children, save 10%. If not, save even more. Married without children must reserve 30%, and single living with parents, 50%. 3 - Beware of exterminators housing and food expenses are those that weigh more in the pocket of the Brazilians. So says the Family Budget Study, done by IBGE in 2002. To get an idea, this duo can grab 70% of the budget! See the next steps to get rid of this absurd spending. 4 - Eliminate the rent The recommendation of the banks is clear? nobody should commit more than 30% of income on housing. Expenses with rents steal much of your money! The best thing is to start saving to invest in home ownership. You can, for example, be bound to reserve $ 100 every month to start the bottom of the corner of your purchase. Added to this, let go of the 13th salary or vacation pay and send that money to the reserve as well. With this plan, you will, in three years, enough money for a down payment on a home of $ 50 thousand. If you have more than 40 years worth investing in a private pension, which will add more in his retirement. 5 - Ease The first tip in the supermarket to save on food is to plan the weekly menu. With the list of ingredients, just go once a week shopping. Another point is to respect the established budget - no use trying to cheat using the credit card to spend more. Also start buying items for the basket and score all the calculator. If the money runs out before reaching the beer, take a deep breath, turn your back and imagine what will be your new home. 6 - Get rid of slips Accounts that accumulate throughout the month are a terror. Unfortunately, we can not forget the fixed, as the light. So the solution is to hold the hand in avoidable. Instead of going to a weekly manicure, go fortnightly. And make only one installment at a time! The perfect quote! The calculation below is based on a family income of R $ 1 500 Transportation · - · Leisure 7.5% - 5% · Spending on children - 7.5% · Reservations - 10% · Housing - Supply 30% - 30% Accounts payable (telephone, water, electricity, etc.) - 10%
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