In the first article on the budget, we talked about how to compile a checklist . It would seem, is there anything else you need to know – write down the expenses, compare their amount with the initially assumed, and that’s it.
No, not everything. In practice, you will encounter a number of difficulties.
Adequate attitude to economy
Many people take to lead the budget, but, as soon as it comes to recording specific expenses, they quickly confuse themselves with stupid doubts.
Is not it pettiness to write down a few rubles spent on ice cream for your beloved child?
And whether to fix seven thousand, who left the reserve fund for dental treatment? If you fix, it turns out, you must limit yourself in the near future in entertainment. It’s a shame – and it was painful, and now even in a cafe a month do not go …
The psychotherapist Ramil Garifullin in the article “The Psychology of Money” writes:
Parting with money, a person seems to give part of himself to someone. This is a subconscious reaction, so greed is inherent in everyone. But there is also another side in our subconscious – it is connected with sacrifice. That is, we are generous and greedy at the same time.
Do not succumb to contradictory emotional torments, which by default are peculiar to any person.
For clarity, take the rule of accounting for all costs without exception . You can afford to round up copecks – for an even account.
About the benefits of checks
A typical problem is the lack of habit to control expenses. “Ah, I remember, how much is spent, I’ll write it in the evening,” you reason. As a result, not only the sum, but the very fact of the purchase flies out of the head.
Never rely solely on memory. Whatever you buy, wait for the check and carry it home, into a separate box.
Keep a check until the end of the week, even when it comes to buying products: this is your training material. Having looked through the contents of the box on Sunday, you will analyze your mistakes (for example, unreasonably high expenses for semi-finished products, which sometimes cost more than natural meat) and orient yourself in prices.
About why you need to keep checks for shoes, appliances, furniture, you do not need to tell too much detail in detail – you understand that the goods can not be delivered without a document confirming the fact of purchase.
Care should be taken with receipts for payment of utilities. They will not only accurately track spending, but also avoid annoying misunderstandings that have arisen by mistake of employees of MC or resource-supply companies.
When you develop the habit of taking checks and putting them in the same place, you will free yourself from the tedious need to fix the price of each purchase immediately after the fact.
This procedure will be enough to do a couple of times a week.
Features of accounting for small costs
It is convenient to calculate large expenses on a monthly scale: they have entered into the table, figured out whether they fit into the limits, and allowed themselves the next purchase of a similar kind.
With trifles so it does not work out – you simply will get bogged down in the marks. Alas, products and household chemicals have to be bought almost every day.
How to maintain a table? Break up the cumbersome expense item into four parts . Components of the budget will look like this:
- P. and B.KH. – Week 1;
- P. and B.KH. – Week 2;
- P. and B.KH. – Week 3;
- P. and B.KH. – Week 4;
- transport, etc. – the other relevant items for you in a convenient manner.
Let a fixed amount be allocated for every seven days. Orienting on checks, punch the subtotal on Wednesday-Thursday .
Gradually, you will get used to quite accurately assess the situation “by eye” – yesterday bought eight hundred rubles, which means that today you need to keep within five hundred.
See How to buy products?
Do not be afraid, budget management will quickly cease to seem to you a difficult and burdensome duty. It will become a habit, as natural as the need to wash dishes after eating.