Finance!

Our financial life is very difficult now. And the more difficult it is, the more difficult it is to manage your finances. And it turns out that we are putting off something important, trying to save money, but nothing happens. Money somehow ends quickly, never having begun. And you want financial well-being. There are several rules of financial management, which are simple and at the same time very helpful in life.

- Your expenses should be less than your income.
This is the most important rule of finance. You have to spend less than you get. If you do not follow this rule, then only a financial collapse is possible. And this - debts, loans and loans. People who give out loans or borrow money "before pay" always say - everything will be fine! But it will be good for them, and you ... You already owed money without making any savings. After all, this approach can not give financial prosperity in life, except that a miracle will happen. Do you still believe in miracles?

- Your financial life should be simple.
The more difficult your life, the faster you can make a mistake and get confused in all financial aspects. After all, the more you make deposits and have different accounts, the more difficult it is to monitor their condition. And the more loans you have, the easier it is to skip the payment. And these are the moments that take away strength, time and money.

- Always weigh decision making sensibly and from today's point of view.
Do not make a decision, thinking about your wonderful future: I will get more, easily pay off my debts, so I can now spend more. This is a decision that you will regret long. After all, the financial situation in the future is unsteady and ghostly - you can lose your job, there will be other expenses, problems that you must deal with independently and without the burden of past decisions.

- Start to manage finances correctly
This path is simple and consists of only three steps.

First, create your cash reserve for a "rainy day" or for unforeseen situations. Naturally, the cash should be. They quickly and without bank delays can solve all complex and emergency situations. It is quite easy to create such a reserve, you need to postpone a certain percentage (10, 15 or 20) of the monthly income. At first it will seem like a ridiculous amount, but in a year you will have a decent accumulation that will help you in unforeseen situations. This "financial pillow" can be disposed of in its own way: part of putting on a deposit, and some of it is still kept at hand for unforeseen situations.
Secondly, get rid of debt as quickly as possible, where the percentage is higher. Yes, here you can not do without analysis, but sorting out all debts and paying off the most "expensive" double payments will allow you to get rid of it more quickly. This should be done monthly until the "most expensive" debt is repaid. Then proceed with the repayment of the next. So do with all your debts.
Third, start thinking about accumulation or "pension". When the debts are closed, there is a small financial cushion "for a rainy day", it is worth thinking about its security in the future. Open a bank account, make a reasonable investment, some other ways to save and multiply your capital.
-Create your budget correctly
I want to remind you that the budget is a control over expenditure and planning. And only the right approach will help to increase capital. Let's consider together how the average person plans his expenses. He assumes his future expenditure and on the basis of his fantasies and assumptions calculates the budget. But there are always force majeure situations that break down all this beautiful alignment. In fact, you need to plan, based on the statistics of expenditures for the past months. This is the real side. If you maintain your statistics, you probably noticed that this approach allows you to even find overexpenditure and the possibility of savings next month.

- Optimize all your planned expenses
It reminds the general cleaning, only not in the house, but in the finance. Be sure to analyze all the accounts received and think about whether there is no overexpenditure here. After all, even a mobile operator has hidden functions that are not needed at all, but they take up 100 rubles a month, then 20 rubles. And this decent amount you easily give monthly. Here such an analysis is important to do every month, or at least once a quarter.

- You must know your real earnings
Start by counting the entire amount of income that you receive during the year. And now start deducting: tax, travel expenses to and from work, meals outside the home, the purchase of work clothes and other expenses that are associated with the performance of the work. But now calculate the hours you spend for work. Include overtime, work at home here. And in conclusion, divide your real income by the real number of all working hours. That's exactly the amount that you now get for an hour of productive work.

- If you yourself are not able to predict, independently conduct an analysis of the situation and need the advice of such "experts", then you know - you have a big problem. The future no one can predict, it changes every second. If you act with caution and are afraid to "play big", then use a more gentle option - conservative investment.

- Set yourself big goals and always remember them
Think about it, but what do you really want? For the sake of what you started to create a "financial pillow," to invest somewhere in money? In fact, this is the most difficult question, which on the one hand should motivate you, and on the other hand - will prompt the right ways. Maybe you want to travel, or start a business, or even stop working and do something interesting? Remember this, remind yourself each time about your goal. All reminders will help you make decisions in difficult situations and move towards the goal.

- The car should be practical.
Do not need to buy a "swing" car. He can be a monster devouring your money. The car should be with low fuel consumption, low maintenance and repair costs. Transport tax and insurance should be minimal. Only in this case the "monster" will not be, but will be a normal car. In fact, all around does not care how cool your car is.

- Be reasonable with the car.
If it is clear which car to choose, then remember one more hidden side of the costs - possible fines and increased fuel consumption at high speed. Penalties - it's understandable. Fuel consumption is a more subtle part of the consumable component. A practical car is designed to travel around the city at an acceptable speed. It is in this mode that fuel consumption is minimal. Acceleration and braking is the right way to refueling and repairing. This should be taken into account, since it is cheaper to repair a minor malfunction than to pay a major breakage or a serious accident.

- Analyze your spending on utilities
As with the hidden costs of mobile operators, there are a lot of pitfalls in the housing and communal services sector that consume the money of tenants. Analyze all your expenses, maybe you are still paying for nonexistent services - a radio, stationary telephone, a doorphone. Weigh all the "pros" and "against" when switching payment for services from medium tariffs for payment by meters. This is a real economy.

- Start making small repairs yourself.
This is exactly the expense item that will help to save. You do not need to master the profession of a tiler or carpenter, but it is simple to replace the outlet, or fix the tap - just. Moreover, the Internet is filled with step-by-step instructions and even thematic videos.

- Be an example for your children in the field of financial literacy.
No one has ever taught us planning, budgeting and other financial details. But you can teach your children to understand the advantages of competent financial planning. Here you need not just talk, it's important to be an example and show everything.

- Do not look at advertising.
This is the second most important rule, which will help reduce costs. One way or another, but the demand in society is imposed through advertising. It creates false values, ideals, says: what is good and what is bad. This is done so competently that people believe that only this icon guarantees quality, this biro - justifiably raises the price by almost 10 times. All these brands, the image - are imposed concepts that are not needed for a comfortable life. A clever person will avoid imposing and will acquire all things based on his own preferences and needs. If you learn to make only necessary purchases, you can significantly save your finances.

- Hobbies should not be expensive
Find yourself a hobby of the soul, which does not require a decent investment of money. After all, the saying that hobby costs do not count is invented by competent marketers and sellers, who sell the necessary materials for this hobby. You can feed the sellers further by collecting rare items. Or improve the skills of playing on your musical instrument.

- Always look for and try for free.
In any locality, interest clubs are formed. As a rule, this is a non-commercial community of like-minded people. Here you can find friends and do not pay for anything. If you love fishing, then for sure in your community will not need to rent a ship and inventory. If you like to travel, then with like-minded people it will become even more interesting. This is not a travel agency, which for every step will shake your money. To find such a labor community does not amount to the help comes the Internet and social networks. In the company of enthusiastic people, you will do what you like and never overpay.