Not long ago I wrote about financial planning, where you'll find a downloadable template for the financial perspective as well. Did you ask this, and based on the conversations I collected the next six errors regular meetings. They may seem trivial things, but if you run through them and thought out, is likely to find one that you're their perpetrators.
It will have to keep the budget plan is impossible if you do not know what you spend your money. Ideally, all expenditure up to write, whether parking charges or a new washing machine. The best solution is to subtitle all night the day shopping costs, while we still have not forgotten them. It also can be a good solution if you have always with you a laptop / mobile app, which you can write your expenditures.
Inherent in the budget management of the painful truth of spending. If you lead your expenditures regularly, it will be painfully clear that what cost you shot too far. However, this point is important for the management of expenditure, as each new day provides an excellent opportunity to make the right decisions. By describing the costs, about which you know that they were unnecessary, negative feelings you change it yourself, next time you are prevented from going to waste your money.
If every time you buy a pack of sugar-free chewing gum at the checkout for HUF 205, and you go shop twice a week, then this is insignificant at first sight forintodba 1640 edition a month, a year and will cost 19,680 forintodba. Not so little, does not it? Of course, nothing wrong with chewing purchase, but if you notice during the audit of expenditure to eight times per month you buy a package, you might want to switch to cheaper brand, or look for higher-priced and more favorable presentation.
Sometimes it happens that you expect, you spend a certain amount - an amount that you expected it - but you realize returning home to spend on much more than this. How did this happen? Maybe it's just a Saturday night beer did you start with your friends, but changed the plan along the way, and the restaurant.
In this case easier to yield to the pressure and spend a little more than stay out of the buliból. In addition, after a few drinks already do not give much importance to money, and it could happen that in spite of our right to see our friends we pay for a ride. Everyone happens to anything, but if you know you tend to cover other people's account, or you realize that your friends often go change your plan, you better time set apart a little higher amount of money and will be more efficient in a different area.
Already at the beginning of the article also compared the diet on a budget - if you afflict yourself, you can achieve with just the opposite effect. You will be unhappy and eventually the entire job so far falls into a well. That is why it is important to be a little more flexible. Reward yourself sometimes. Surprise yourself with a bottle of wine, go somewhere to relax. Pay attention to the costs, but do not withhold yourself in the fun!
It is not always the cheapest option is the best. If the milk, bread and eggs from one store cheaper, while meat, butter and cereals in the other, not necessarily to be both the store to go to, because it cost you a lot of time, but it may happen the second store and you see something that is meg, which is not planned.
It is always important to take into account the quality also. If something more durable but more expensive, it may be better to buy more expensive. However, many may be disappointed with cheaper stuff in it, mostly little used electronic devices, little case, and colored cloth. If a large investment is not the case, you might want to first try the cheap and if you hit the more to stay if you do not go up in price and quality.
For example, LEGAL Chinese elements just endure the same amount of time on my computer than ten times as expensive Duracell. Of course, there may be other assets that were no longer true in any case for me it worked.
When it comes to major decisions, you can read about them, visit several websites and compare prices.
The bottom line is, if you are a novice or a household budget management to follow the three basic steps, keep the tips and try to avoid common mistakes. It is also important and always motivate yourself because you know so it will keep next to your plans, and you can reach the coveted goals. A lot of perseverance and good luck!
Failure - You forget to write your shopping costs:
It will have to keep the budget plan is impossible if you do not know what you spend your money. Ideally, all expenditure up to write, whether parking charges or a new washing machine. The best solution is to subtitle all night the day shopping costs, while we still have not forgotten them. It also can be a good solution if you have always with you a laptop / mobile app, which you can write your expenditures.
Error - you deliberately do not you write up your expenditures:
Inherent in the budget management of the painful truth of spending. If you lead your expenditures regularly, it will be painfully clear that what cost you shot too far. However, this point is important for the management of expenditure, as each new day provides an excellent opportunity to make the right decisions. By describing the costs, about which you know that they were unnecessary, negative feelings you change it yourself, next time you are prevented from going to waste your money.
Failure - impulsive buying:
If every time you buy a pack of sugar-free chewing gum at the checkout for HUF 205, and you go shop twice a week, then this is insignificant at first sight forintodba 1640 edition a month, a year and will cost 19,680 forintodba. Not so little, does not it? Of course, nothing wrong with chewing purchase, but if you notice during the audit of expenditure to eight times per month you buy a package, you might want to switch to cheaper brand, or look for higher-priced and more favorable presentation.
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| 6 Error When Building A Financial Plan |
Error - spend more than planned:
Sometimes it happens that you expect, you spend a certain amount - an amount that you expected it - but you realize returning home to spend on much more than this. How did this happen? Maybe it's just a Saturday night beer did you start with your friends, but changed the plan along the way, and the restaurant.
In this case easier to yield to the pressure and spend a little more than stay out of the buliból. In addition, after a few drinks already do not give much importance to money, and it could happen that in spite of our right to see our friends we pay for a ride. Everyone happens to anything, but if you know you tend to cover other people's account, or you realize that your friends often go change your plan, you better time set apart a little higher amount of money and will be more efficient in a different area.
Failure - or so moderate that repel unhappiness yourself:
Already at the beginning of the article also compared the diet on a budget - if you afflict yourself, you can achieve with just the opposite effect. You will be unhappy and eventually the entire job so far falls into a well. That is why it is important to be a little more flexible. Reward yourself sometimes. Surprise yourself with a bottle of wine, go somewhere to relax. Pay attention to the costs, but do not withhold yourself in the fun!
Error - fails to reflect the value of time:
It is not always the cheapest option is the best. If the milk, bread and eggs from one store cheaper, while meat, butter and cereals in the other, not necessarily to be both the store to go to, because it cost you a lot of time, but it may happen the second store and you see something that is meg, which is not planned.
It is always important to take into account the quality also. If something more durable but more expensive, it may be better to buy more expensive. However, many may be disappointed with cheaper stuff in it, mostly little used electronic devices, little case, and colored cloth. If a large investment is not the case, you might want to first try the cheap and if you hit the more to stay if you do not go up in price and quality.
For example, LEGAL Chinese elements just endure the same amount of time on my computer than ten times as expensive Duracell. Of course, there may be other assets that were no longer true in any case for me it worked.
When it comes to major decisions, you can read about them, visit several websites and compare prices.
The bottom line is, if you are a novice or a household budget management to follow the three basic steps, keep the tips and try to avoid common mistakes. It is also important and always motivate yourself because you know so it will keep next to your plans, and you can reach the coveted goals. A lot of perseverance and good luck!
6 Error When Building A Financial Plan
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