It is true. Vacation is over and we’re back to work. A year that is expected of challenges and personal and professional growth. Unfortunately, we often come back from holidays with uncontrolled finances and need a new “financial regime”. As for the finances in order after the summer? See our suggestions to get back on the line!
Realize The Problem Extension
The first step in understanding the financial regime to follow is to see the extent of the problem. Know how your bank account and your credit card were, the two places that make more visible a possible financial dislocation.
Once you realize where you’ve spent too much you’ll need to plug the hole. It may be necessary to resort to some savings. You may need to renegotiate your credits. Or simply need to get back on the line using improved savings strategies …
Quick Cut With Credit Card
Credit cards are time bombs inside the wallet. We may even think that we will not use them but when we least expect it … a temptation appears that we can not resist. Or because we are tired. Or because we want to compensate ourselves … never forget that “the occasion makes the thief”. In this case, the thief is the marketing that takes the money from the wallet.
Review Habits of Daily Consumption
After returning from vacation we are in a better position to evaluate our daily habits and habits. Maybe it makes sense to review the signatures of the gym where we never go. Change our transport habits and start using the subway or sharing the car with colleagues. It may be interesting to review our eating habits for healthier and cheaper food … or start bringing food from home.
Cut 10 € Per Month
Why not create the goal of cutting costs by € 10 per month? Who says € 10 can say more … the bottom line is that it has a clear objective and a specific deadline. So in the first month it cuts € 10 to its cost structure. The following month cuts another € 10 and so on. Cutting the € 100 budget is very difficult if it is immediate. However, if it is diluted for 10 months … it is easier. It’s possible.
Cut in clothes
Recently we have posted an article on Saving Money With Clothes with very useful tips. From avoiding buying, taking better care, exchanging, among others. If you have children these tips are even more useful since with children we tend to spend too much money … and often spend poorly.