Make the most of your money means limited mapping, how you spend your money more. In fact, the heart of the budget has almost nothing to do with the numbers.
Budget requires you to take a long hard look at your life. The way you should spend your money reflect your deepest values.
Budget, the core is the act of aligning your spending with your values.
Approve a budget requires more than filling out a worksheet. We have to set priorities.
To do this, you will need to ask some tough questions.
For more information about pursuing your goals much savings.
Question 1: What are the chances that I miss the way you spend money?
Suppose you really want to have another child, but you and your husband worried that you can not afford to have another child to be raised up. Or take've always wanted to visit her grandmother in France, Chile, or his parents, but worry about the cost of the ticket.
Anyway, I think it is something that "love" to do - a great opportunity - you think you can not afford.
Are there important areas of your life where money is leaking? Can you cancel your cable TV service, reduce the size of a car-sharing and start with second-hand clothes?
Can you install a shower of 1.5 liters per minute in your bathroom, so you can shave $ 10 - on the water bill $ 20 discount per month? Can you give cigarettes or drink alcohol?
These little ornaments budget may not seem like much - $ 30 a month here, $ 60 a month - but you can add up to hundreds per month.
If you make small adjustments and cut their consumption habits so that you can save an additional $ 300 per month, you have 3 $ 600 per year. This is your money "big dreams", a nice chunk of change.
Learn more about money "fun" more budget.
Question 2: What is my current expenditure say about me?
If you have not after your money, but is one of the best ways to see your running costs to take inventory of your belongings. Here are some points to consider:
Clothes - How many shirts, pants, dresses and shoes are stacked in the closet? They have a huge collection of clothes? How often do most of these clothes?
Try to mentally together the value of everything in your wardrobe. How did it cost anything? How do you think spent on clothing and footwear in recent years?
Your house or apartment - Which part of your total compensation not your house or apartment can cost you? It's easy to make a rough estimate of this. If your rent is $ 800 per month, and you take home $ 2,400 per month after taxes, you spend a third of each paycheck on rent.
With a beautiful home one third of your time worth? Align with your values? If the answer is yes, that's fine. But if your answer is no, you try to find a better place to live. Renting an apartment is $ 600 instead of $ 800, so is only a quarter of his salary to his house, instead of a third of it is spent. It's like you an increase of 8 percent.
The calculation of the amount of your paycheck that you spend on the case is a little more difficult when you own your home, because there are a lot of "accessories" fresh you need to consider. In addition to the mortgage, pay for insurance, property taxes, repairs, maintenance, tools and services. Use a budget worksheet, how to see a lot of each working day of 8 hours in the maintenance of spent at home.
Restaurants - dine on special occasions, or they eat several times a week? If you eat often, you fall into one of two camps: o're avid food enthusiasts, the "food" has a legitimate hobby or your money for something that is not important to you. What is it?
Learn more about the saving of restaurants and entertainment.
The Bottom Line
The secret of the high budget is not caught in dollars and cents. The key is to align your values, your dreams and desires with your purchase behavior.
Complete a worksheet that shows where your money is an important first step, but it is only effective when combined with an honest assessment of how you want to spend your life.
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