Funding problems are one of the biggest causes of stress, especially if you have a limited budget during the month. Often, when we have the money in a larger amount, we can not resist the temptation to buy something, which may not be the most needed at the moment.
That’s why it’s often happening instead of spending money on what is most needed for us, when we wait for a full wallet, we spend on what we want, even if it means allocating a larger amount for something that is currently a virtuous luxury.
In this vicious circle, the strongest connections often break down, so stand still, make a list of what you need most at the moment and rationally distribute the money. This is true in the family circle, but also in couples who have just started a life together. It is therefore necessary to plan every penny, in the literal sense of the word.
We suggest that you keep a record on all monthly bills, because in this way you will have a sense of what you have spent money in that period. It is certain that in this way you will encounter some things that you have spent unplanned spending a larger amount.
If you are a longer period in the “minus” of your bank account, we recommend that you “tighten your belt”, at least a month or two, so that you can get out of the unpleasant financial situation. By properly planning the necessary costs, it will be much easier to save and have some amount of money, in the popularly called “black days fund”. When it comes to finances, especially limited ones, convenience is more than necessary. Before you spend a certain amount of thoughtlessly, consider whether your regular expenses are covered, which should be a priority in your financial organization.