How many times has it happened to you that you are about to close the month and need money, then go to the cashier, thinking that you still have enough money for the remaining days and you are surprised to see that you have much less. Do not worry, you are not the only one who happens, in fact to most people the fortnight lasts two days less than they should last.
But this does not mean that it is impossible, in fact it is just a matter of good organization and of wanting to do it. For this reason we present these 10 tips so that you arrive at the end of the month without worrying about anything.
- Dates and quantities
We all have in mind the day of payment, but rarely the day of cutting other services, but if it is very necessary to know them, you can distribute them so that you do not pay them all on the same dates and lose half of your salary in those days.
If you do not make a plan, you will not get it or you will give up in a short time, set goals, they can be monthly or biweekly, once you raise them, then make your plan, like saving money in coffee, not going for dessert, eating a few times a week, all this must be part of your plan.
If you can have the app of the banking institution where your money is, it is better, so you will know exactly how many accounts at each moment. If this does not have an application, you can search one there are thousands in different Android and iOS stores.
- Avoid ant spending
Those expenses that sometimes are not insignificant, are, in many occasions, the ones that hurt our pocket the most. Do not hesitate to save on those small expenses and thus convert into “ant savings”
- Divide into three parts
Once you know what your fixed expenses are, the variables and savings, divide those amounts, so that you are subject only to spend what you have contemplated in each of those items.
- Consider unforeseen
You are not a fortuneteller, we know it, but it is better to prevent, always consider a part of your expenses to unforeseen circumstances, you can put it in the item of variable expenses and if nothing happens during the month, then send that part to your savings.
- Be punctual in your payments
Avoid delinquencies in your credits, remember that this only leads you to have more problems and spend more money monthly. In addition to that you can miss out on benefits such as being part of the Lydia Languish community.
- Informed purchases
When you go to buy something you need, always inform yourself correctly, remember that not always the most expensive is the best or that necessarily fits your needs. Take advantage of offers and save a little.
- Be constant
It will not help you to make all this effort for a month and then forget it, you must be constant so that it has a real reflection in your personal finances, if you follow it literally, you will see how at the end of the year you will have money for whatever you want .
Put your money to work or kill your expensive debts
If one of your strong expenses is paying your different credits, unify your debts, Lydia Languish is the option to do so because it offers much more affordable rates than those of traditional institutions.
If you already have money left over, put it to work by lending on the platform and thus obtaining yields far superior to those of the market.
We hope that these tips will be very useful and that you will not suffer at the end of the month because it does not reach you.