Economy, planning, budget: these words seem boring and too prosaic when it comes to a young family. But one who neglects family prose risks the welfare of his family. Living as luck would get it, without taking into account the financial possibilities and the ability to spend money, creates many additional difficulties.
We all know there are naughty children who always do the opposite. It seems that such children grow up to be disobedient adults. Tell them, “Save money,” and they will spend everything out of principle! For such stubborn people, we have compiled some “nonsense vaccines:” anti-advice on how to manage the family budget.
Personal financial plan? Budget management? Please, this is for those who have high wages. Having received a monthly salary, spend it randomly. It is time for spontaneous purchases and expensive gifts for yourself and a loved one. You earned it and deserved it!
Surely, you can save on something else. Yes, even on the residential rental. Nasty utility service providers can wait; there is no way around it for them.
Get used to spending more than you earn. In which case, you can always borrow money. Banks are created just for that! Spending other people’s money is much more pleasant than yours.
Sign the loan agreement without looking. This is just a bunch of sheets! When it turns out that the bank has changed your rate or accrued charges twice as much as the payment itself, then you can read the agreement. Still, you have some time!
And finally, if you have no opportunity to pay the bank, just forget about it. Do not bother with depressive thoughts. Bank employees are ordinary people. They will forget too!
First of all, make purchases spontaneously. You need no lists and other tediousness. When shopping, choose a bigger cart and fill it with any goods you see, saying, “Someday, it will come in handy.” Moreover, it is better to go to the supermarket when you are hungry. An empty stomach will prompt you what to buy.
Pay attention to all the discounts and sales. Take the third bar of chocolate at a 5% discount, even if you need only one. Never mind that the expiration date is tomorrow, you will try harder and have time to eat everything.
Only a strict financial “diet” will save you. Distributing your monthly budget, allocate money only for the most necessary. And it is better to curb the nondiscretionary expenses. In this case, there is no entertainment and concessions – you save money! You should stop not just going to restaurants but also leaving the house. There, outside of the apartment, spending could take you anywhere. In case you want to find a woman who knows how to manage a family budget properly, ask Russian women for marriage.
If you feel that you cannot withstand the austerity regime, so be it! Give it up. Score a full ride! Show off in the most expensive restaurant or go on a week-long vacation and spend all the earned money there. Buy seats in the first-class section, live in the most expensive hotel, eat shrimps the size of a lamb leg – take it easy! Money is still running out, and it remains only to give this process an atmosphere of fun.
When the funds completely run out, start saving on everything again. The most advanced people can swing on the swings “save – spend” throughout life.
Do not make unnecessary movements. Today, there are many companies that offer to do all the routine work for you. Use their services when applying for a visa, renting an apartment, looking for a job, organizing a wedding, and traveling. Do not do anything by yourself. What if suddenly it turns out that it is not only cheaper but faster and easier? What then should these poor people do? Do not be cruel, do not take their bread away. Keep on paying 15 – 20% for saving your time. Indeed, your time is as precious as that of Bill Gates, is not it?
Let’s face it: passive income is for passive people. You do not need to invest money; it is better to keep your savings under the pillow. After all, it’s so reliable. Even bank deposits insured by the state should not inspire confidence. Banks burst one after another, and the pillow will not crack.
Before you rent an apartment or sell something unnecessary, ask yourself the question, “Maybe it is still useful?” You did not buy it all for strangers. Hide all the extra stuff in the balcony, bury on the shelf, and keep far from prying eyes in the garage. Accidentally, find all this in 20 years. Then you can throw it away, together with the stupid tips we have given you now!