As times change, everyone should worry about his finances and the proper management of his money, and the sooner he starts the better.

[Update: You can install and special programs to manage your money on your mobile for simpler]

The main problem is both exaggeration and ignorance, that is, how much money is being spent and where. To be able to manage your money, you need to make a list of how much money you earn per month and how much you are wasting (and where).

Initially, this list should include net income, how much money you get in your hand (final amount, after taxes, etc.), fixed costs, ie the costs you give each month as standard (rent, internet, etc.) and finally the optional costs where you put the expenses for yourself (eg video games, drinks, gym, etc.).

Once the month is over, take a look at your list and see what you are spending. Most likely, it's a lot of the costs that you did not calculate and spoil unconsciously. It is good to remember this, from your net income, at least 10% should be deposited. Of the remaining amount, a figure of about 35% should go to your home, that is, your basic needs. Your remaining -standard expenses, such as credit card payments or a school, should be limited to 20% of your income.

If the numbers do not come out of you, calm. Knowing the problem, you can solve it. To save you, you should limit your optional costs. That is less fun, cheaper (or less) clothes and generally trying to be more steward. Also, try to pay your credit cards, it's the worst thing someone can have. With the interest they add, it's a steal - yet legally.

These are some tips to help you manage your money better. Certainly, the money one earns is his own and gives it wherever he wants, but thriftiness is not bad at all. On the other hand, neither being cheap is good, just keep a balance.

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Rico Suave

I don't do drugs. I am drugs. Salvador Dali



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