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Personal budget Everyone loves to criticize the Ministry of Finance. They say it doesnt give money to anyone. It saves on everything. It only knows how to save money in the Reserve Fund. It would be better if it raised pensions and public sector salaries, the average person will say. But dont rush to give advice to the ministry. First, manage at least... your personal budget. And then well talk. Well tell you how to do it. telphin Ad . , . Personal budget. Photo pixabay Step Understand what you want priorities. You should have.

Your own First, you need to understand what you want in principle. To save up for a car, pay off a mortgage quickly, or provide for yourself in old age? Without a goal, you wont be able to manage a personal budget. At some philippines telegram mobile phone number list point, you will abandon this business, says Sergey Makarov, deputy director of the National Center for Financial Literacy . By the way, the answer I want a luxurious life will not work. It is too abstract. In finance, specific deadlines and numbers are important, in which you can measure your approach to the goal. Ad telestore.

Ad bothelp , BotHelp. , ! Step Make a plan For example, you have a goal like this I want to buy a car for a million rubles in a year and do without a loan. We do the reverse calculation. We divide the required million by and get that we need to put aside at least thousand rubles every month. Otherwise, the goal will not be achieved. If you understand that this is impossible, you need to either increase the deadline, or look for sources of increasing income, or reduce.