This is a negative consequence of consumer culture. New fashionable shoes are on sale - you need to buy them urgently. The old smartphone still works fine - but the new model has better photo quality, so you really need it. To save money correctly, you will have to learn to distinguish your true needs from those imposed from the outside.
Complexes
- this is roughly the conviction that is based on complexes. A childhood spent in poverty can lead to extravagance and the inability to save even for a safety net.
How to start saving
To start saving money, you will have to learn how to save. To do this, you need to understand what exactly you can save on. And you will have to start by analyzing your income and expenses.
Income Analysis
If you have a fixed salary and no other source of money, then everything is very simple: write down this amount and proceed to the analysis of expenses. Complex analysis will be required in the following situations:
you are paid on a piecework basis, meaning you are paid finland mobile database not for the time spent, but for the final product;
you have several sources of income: your main job, part-time work, rent from your apartment, etc.
You may notice that your income varies from month to month. You may need to review your earning methods and choose only the most effective ones. Calculate how much time it takes to earn money and how it compares to your salary. It may turn out that you spend more time at your main job than at your part-time job, but they bring in the same amount of money.
Income analysis will help you understand how you can earn and save more. But at the initial stage, you need to calculate the average monthly income for the last 6-12 months.