A cheltui bani este o arta, mai ales daca vrei sa ai buget suficient pentru orice. Este o provocare in actuala criza, dar nu fiti pesimisti, exista intotdeauna o solutie daca va organizati bine.
Nu stiti de unde sa incepeti? Urmariti propunerile noastre:
Analizati-va bine venitul lunar si cheltuielile
Da, stim ca acestea pot varia in fiecare luna, dar totusi puteti incepe calculele cu: cat cheltuiti pentru facturi, mancare, hobby-uri etc. Trageti o linie si vedeti daca cheltuielile dvs. depasesc veniturile curente.
Vedeti la ce puteti renunta fara sa va afecteze
In cazul in care cheltuielile dvs. depasesc veniturile, trebuie sa reduceti bugetul. O veste buna este ca raspandirea COVID-19, distantarea sociala si izolarea la domiciliu au facut ca acest lucru sa fie mult mai usor de realizat, deoarece acum nu mai cheltuiti bani la cafenele, cluburi, restaurante, mall-uri. Puteti economisi banii pe care ii dadeati in fiecare luna pe abonamentul la sala, acum faceti exercitiile acasa. De asemenea, s-a demonstrat ca puteti sari si peste rasfatul la saloanele de infrumusetare pentru ca cea mai mare parte a timpului acum v-o petreceti acasa. Asadar, partea plina a paharului este ca, fara a iesi din casa, cheltuielile dvs. au scazut semnificativ.
Profitati de posibilitatea amanarii unor plati: facturi/chirii/rate daca sunteti in imposibilitate de plata
Printre cele mai mari cheltuieli din fiecare luna se numara facturile la utilitati, impozitele, chiria si ratele. Guvernul a luat masuri, impuse de situatia COVID-19. Verificati pe site-urile oficiale sau prin telefon care este posibilitatea de a amana o parte din taxe.
Discutati cu proprietarul dvs. daca puteti amana / micsora chiria pentru o luna sau doua. Verificati cu banca dvs. care sunt flexibilitatile privind rambursarea creditului, de care puteti profita in timpul starii de urgenta. Daca vreuna dintre aceste propuneri se concretizeaza, putem spune ca deja ati detensionat putin bugetul dvs.
Economisiti din banii destinati pentru mancare nesanatoasa
Acum va petreceti aproape toata ziua acasa si probabil ca sunteti mai putin activi decat de obicei. Puteti schimba unele dintre obiceiurile dvs. alimentare prin eliminarea dulciurilor, prajiturilor, bauturilor carbogazoase si a diverselor branzeturi si salamuri cu care sunteti obisnuit. Corpul dvs. va va multumi pentru acest „sacrificiu” la vara! Retineti, de asemenea, ca va puteti intari sistemul imunitar in mod natural cu alimente mai simple, bogate in vitamine precum lapte, branza alba, oua, fructe si legume.
Cautati ofertele cu discount
Deschizi internetul si reducerile sunt peste tot. Parca ar fi „Black Friday” in mai! Cautati ofertele cu discount peste tot. Chiar daca sunteti in supermarketuri, cu masca de fata si manusi de protectie datorita masurilor, puteti profita de reducerile pe care vi le ofera fiecare loc in parte.
Nu este chiar atat de greu! Planificati orice miscare, informati-va corect din surse sigure si ramaneti responsabili atat cu sanatatea cat si cu finantele dvs.!
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