Each of us lives according to his needs and tries to earn a comfortable tomorrow. Especially if the whole family holds onto you and there is simply no time to be lazy. But based on the state of the economy and the financial plan for a month, workers often fall into trouble. And it doesn’t matter how many zeros a salary has, a person receives a minimum amount from the state or earns millions from business - everyone can get into a situation when the wallet is empty.
By the way, people understand the meaning of the phrase "empty wallet" in different ways.
- Some are sure that they do not have food and accommodation.
- Others know that utilities will only have to be paid next month.
- The rest deny themselves hikes in cafes, for new clothes or taxi rides.
Each has its own poverty level. One person once said:
I always throw away worn socks and do not allow myself to sew them up. Why try to resurrect them if you can just buy new ones? And if you don’t have the opportunity, only you are to blame.
It would be great if we were taught this topic at school. Financial literacy and practical economics could save us from incidents in the form of zeros in the account. Do you categorize your income, for example? Or maybe you have a small deposit? How often do you replenish that stash that only your reflection knows about?
We bring to your attention several ways that allow you to live a week before a paycheck without a penny in your pocket.
Scrape on the bottom
Wallet is not the only place where your money may be. In the pockets of jackets and trousers, in a piggy bank, at the bottom of the bag, a friend owes and a nest egg in pasta. Put it all together and count. Found a little? Now distribute for seven days. Keep a list of the required products and calculate the difference between the available capital and your requests.
List of necessary
The list with the necessary products often has unnecessary items, without which you can not imagine your day. Perhaps this is instant coffee for breakfast or passion fruit for dinner, think about how your life will go on without, and delete this garbage from the plan for the week.
Entertainment plan
Now entertainment can only be free, perhaps it’s time for your refrigerator to become clean again or a wardrobe needs to be disassembled and disposed of. All expensive events should be canceled in advance, replaced or rescheduled for the next week.
Hike to the grocery store
The balance of finance is better to implement on the necessary goods. In the store, follow the list clearly and purchase only the necessary, but the most nutritious and nutritious products.
Self cooking
In our century it is easier to spend dinner in a restaurant or cafe, because they are located on every corner. It really saves time and effort, but does not save finances. You will significantly make life easier for this week, if you cook yourself, it will definitely be cheaper.
Options for inexpensive meals:
- A salad of seasonal vegetables, especially if you buy them from grandmothers in your arms.
- Macaroni with tomato sauce.
- Wheat groats and stewed chicken offal.
- Jelly.
- Liver cutlets.
- Potato dishes: zrazy, mashed potatoes, baked version and soups.
- There is an option to refuse meat and dairy products, but it is not suitable for everyone.
Seasonal fruits and vegetables
In fact, saving in the summer season is a little easier because of the fruitful trees in our area. This is a free source of food, and maybe earnings. Buy vegetables at stocks or at wholesale warehouses, there are also sales and humanitarian aid in stores.If you had to save in the winter season, conservation and freezing come to the rescue.
Kitchen investigation
In the kitchen, any housewife has shelves with cereals and banks. If you climb into every corner of the room and expose all edible products, then this can be eaten for another whole week. Good practice for unloading and updating products in the kitchen.
Down with the ride in transport
Especially if you have your own car. Are you used to comfort? Take public transport or walk at all! If you have no more than one hour's walk to work, then you are lucky - you can improve your health and lose a few extra pounds. If you don’t have a car without it, ask a colleague from work for help on credit or ask for a friend who is on the way with you.
Personal sale
Take a look around: how many unnecessary appliances do you see in the apartment? Found a long-presented steamer or a second mixer? Urgently post on social networks an advertisement for the sale of something superfluous, perhaps this will save your life!
Side job
Do not sit on the couch, find a small income. Now the Internet is full of vacancies for remote work, which takes only a couple of hours a day. You can write articles to order, you can create sites or take the place of the store administrator. Try to find application for your diplomas: if you are a nurse or an electrician, then advertise a home call. Create an ad for home cleaning, dog walking, lawn mowing or window cleaning. And if you have transport, then go ahead, earn extra money as a taxi driver. The only question is how much you want to work.
Reply for currency
Now a new sphere of earnings has appeared on the Internet, when you are credited with completing surveys. The amount, of course, is not so joyful, but a week's worth of food is enough.
Credit hole
A loan is a debt with interest that is unprofitable to repay. Simply put, a pit from which it is difficult to get out. But if you get into a small debt hole for a short period, then the percentage will be very small. Use a credit card rarely and only in case of urgent need.
Who goes to visit in the morning
Visit when you are invited. This method is not so practical, but it will save your budget from additional costs. Sometimes you can ask for it, but do it infrequently.
Trust bank
Each person has relatives or friends. And one day you can help them in difficult times. But when this moment has overtaken you, do not hesitate to ask for help from loved ones. The main thing is that the good should be mutual, plus never forget about debt when receiving long-awaited accruals.
Another approach
What do you usually do in advance so that finances do not end? Any person once in a lifetime, but spent more than he earned. If this happens systematically for you, this is an occasion to reflect and change your strategy. Do not let everything go to its full extent, and then exist on the remnants. This is more than irresponsible, especially if your family has children. At any time, an unexpected event can happen: vehicle breakdown, illness, school fees or a fine. Everything must be prepared at least financially.
Set priorities and set up an exercise book, which will help you visually see the waste, especially the remainder after shopping. Perhaps you do not have enough to live on because you are paid little - the way out in the selection of work according to your needs. Do not be afraid of changes if they bring you profit.
It will be ideal if your home has a small reserve of funds. And in order to stand firmly on your feet, learn to manage the currency and invest in business.
