A lot of months left, but the end of the salary has come

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

I am the greatest spender! One has only to start a certain amount of money in my wallet, as I am in a hurry to spend it. Of course, I buy a lot of all sorts of necessary things, products, but I also don’t bypass little things: nice trinkets, all sorts of stylish things, and it’s better not to let me into a store that sells cosmetics. I'll keep most of my salary. Moreover, I cannot be called selfish, thinking only of myself, beloved: I try not to forget anyone in my desire to spend money. I will definitely buy shadows that match my friend's dress, shaving lotion, which I would like to feel on the face of my beloved, lipstick for my mother (she would never have allowed herself to invest decent money in cosmetics without me, it is better to buy sausages).

I live in pleasure only the first few days after the paycheck, and then I just survive: there are a lot of months left, and the end of money has already come. In the new millennium, I still want to stay afloat as much as possible. Therefore, after reading smart books that teach the correct distribution of earned money, and after consulting with a specialist (a mother who is half the salary than mine is able to feed a family of three), I came to conclusions that are not a sin with other spenders share.

1. All money spent must be strictly considered. To do this, start a notebook lined with columns: housing and communal services (payment for the telephone, electricity, use of the elevator …), food (what I bought, how much I paid), myself (expenses are made on cosmetics, gym, clothes, shoes), entertainment (the amount that you spent in a cafe, bar, restaurant is indicated), a pot-bellied trifle (you write about all sorts of unnecessary things bought for some unknown reason). Why is this needed? In order to find out the average percentage of consumption of a certain money supply for each column by means of simple mathematical calculations. And then it will be possible to see which item of expenditure needs to be reduced. In addition, your conscience will surely torment you as soon as your gaze stops on the graph."

2. Plan all purchases in advance. Never under any pretext go to the store without being prepared. First, make a complete list of items to purchase. Consider everything, down to the grams. Write down the approximate price of things, calculate the average amount of all purchases and take a little more than the number on your list.

For example, 500 gr. sausages at 70 rubles / kg = 35 rubles.

Roll of toilet paper = 2.50 p.

Bread and loaf = 10 rubles

Total: 47.50

You can safely put 60 rubles in your wallet.

3. Know the contents of your cosmetic bag in advance. You run out of mascara - buy it. It is not necessary at the same time to acquire "for her" eye shadow, eyebrow pencil, nail file, lipstick, perfume. Better to spend money on one quality item than a lot of dubious production. And in the choice of mascara, try not to "show off": it is not necessary to buy yourself a super-expensive thing from "Dior" for the whole salary; The purchase should always meet your price requirements, but you should not forget about the quality, chasing the cheap, however, as well as vice versa. It is also strictly forbidden to look at the lipstick of a trendy shade while licking your lips. A 13-year-old girl can afford to paint her lips in green, you can't. Accordingly, you are strictly forbidden, on pain of not using cosmetics at all for the rest of your life, to acquire lip paint in several shades. By and large, two good quality lipsticks are enough for you: one delicate, barely noticeable color; another juicy, saturated color, intended for publication.

4. From each salary, a certain amount must be set aside in an emergency reserve. It is better to transfer money into foreign currency, while it is not necessary to open a bank account. You can store NS at home in a secluded place, sealed with seven seals, so that from time to time there is no desire to waste these funds. There is an option - to give the money to mom for safekeeping, as I do. Then begging them back is almost unrealistic, you need a good reason to take her own green ones from her.

5. It is best to save on the cost of the products. Once or twice a month, my acquaintances, when receiving their wages, go through all of Moscow to a wholesale food base. At the same time, they take a cart with them in order to be able to take away everything they have bought. At the base, 1 box of chicken legs is bought for 29 rubles per kg., In retail, the cost of a kilogram is an average of 35 rubles. (a family of 4 eats chicken for 2 months!), 5 bottles of sunflower oil, 20 rubles each. (on the market the price ranges from 25 to 30 rubles), pasta, flour, sugar, etc. There are also a lot of wholesale bases where you can buy soap, powder, and all kinds of cleaning products at a low price. At the same time, a decent amount is saved, which is then boldly spent on trivia warming the soul.

6. Immediately, as the money arrives in your wallet, pay for the use of utilities, for telephone calls and the like. Give everything according to the bills, then it will be easier to plan your expenses.

7. If, nevertheless, my advice is not useful to you, change your job. With your inquiries, you need to get decent money. And for the salary to be impressive, you need to earn it. To begin with, get a job at any advanced training courses (again, spending !!!). Invest in training, then your profession will feed you and the entire large family. For what, for what, and do not regret money for teaching. Approach the process of spending money wisely!

Elena Gurova