Keeping a spending diary can help you cut down on unnecessary spending, he said in an interview with Moscow 24 It has been said financial advisor Alena Nikitina.
He recommended writing down all daily expenses for two months, dividing them into main categories and subcategories, and also making comments about why there may be a jump in expenses. After that, you can plan your budget. The expert also emphasized that this behavior should not be perceived as a punishment.
“People who are more emotional, whose rational side is not so strong, have a harder time motivating themselves to count expenses; for them it is stressful. It seems to them that there are many restrictions. But in fact, effective organization of work will allow a creative person to add even more creativity,” Nikitina concluded.
Financial expert and investor Ekaterina Goncharova previously It has been said Planning and optimizing expenses will help increase the amount of money in the family budget, says “socialbites.ca”. Therefore, first of all, it is recommended to organize the cleaning and sale of unnecessary things, for example, household appliances.
Previously a psychologist in the name Agree on a family budget before the wedding.