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Most people find that when they review how they are spending their money there are savings to be made either by getting better deals or stopping paying for things they no longer use. Fuel and mobile phone bills are a good place to start.

The Money Advice Service website has some great hints and tips about how to save money, for example by switching to a cheaper energy provider. For more information go to https://www.moneyadviceservice.org.uk/en. Look for the 'Same Stuff Cheaper Price' section on the website to find out how you could save on your bills and monthly outgoings.

The content of this article does not constitute individual financial advice.

Most people find when they review how they are spending their money there are savings that be made either by getting better deals or stopping paying for things they don't use. Fuel/phone bills are a good place find out more

The CCPC website has some great hints and tips about how to save money for example by switching energy provider Go to https://www.ccpc.ie/consumers/2015/09/24/switch-electricity-gas-provider/ look for Same stuff cheaper price. There are comparison websites referenced here.

The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Can you place your hand on your heart and clearly outline where your money goes? Most of us think we know where our money is going – but if you aren’t recording your spending regularly most of us have little understanding of where it’s really going. Tracking your spending is the first step in understanding your daily money habits.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are actually spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you have completed tracking your spending and understand where every penny goes, and you have categorized these you can then progress to the next level and start up your very own budget. 

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

You think you know where your money is going – but if you aren’t recording your spending most of us are not that good at keeping track of where it’s really going. Tracking your spending is the first step in understanding your daily money habits.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. In doing so, you’ll make sure you’ve been charge the right amount for the items you’ve purchased, and that you have been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

Can you place your hand on your heart and clearly outline where your money goes?  Most of us think we know where our money is going – but if you aren’t recording your spending regularly most of us have little understanding of where it’s really going.  Tracking your spending is the first step in understanding your daily money habits.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending in doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are actually spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

 

Once you have completed tracking your spending and understand where every penny goes, and you have categorized these you can then progress to the next level and start up your very own budget.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Can you place your hand on your heart and clearly outline where your money goes? Most of us think we know where our money is going – but if you aren’t recording your spending regularly most of us have little understanding of where it’s really going. Tracking your spending is the first step in understanding your daily money habits.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are actually spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you have completed tracking your spending and understand where every penny goes, and you have categorized these you can then progress to the next level and start up your very own budget.

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

您能真实准确地说出您的钱都花在哪了吗？我们大多数人都认为自己知道自己的钱去哪了，但事实上，如果没有定期记录开支，大多数人对钱的真正去向知之甚少。追踪您的支出是了解您日常花钱习惯的第一步。

跟踪您支出的最好方法是每月对照您的银行账户对账单和信用卡账单来检查您手中的收据。检查开支有好几种方法：大多数银行都有网上银行，您可以将您的交易记录下载到excel中。一些手机应用也会记录您的支出。这样您不仅可以知道您的资金去向，还可以确保您花的钱和您购买的东西对得上号，且您没有为任何没买的东西多掏钱。请留意：

  • 来自陌生公司的收费
  • 大额或不寻常的花费
  • 定期扣款额的变化
  • 重复收费。

在您追踪到您所有的支出之后，您也可以对这些交易进行分类，以帮助您了解您的钱实际上花在了哪些方面。这些交易类别包括：

  • 住房
  • 水电
  • 教育
  • 私家车
  • 保险
  • 食物
  • 衣服
  • 化妆品
  • 健身
  • 度假
  • 税费

一旦您成功记录下每一笔支出，了解了每一分钱的去向，并且对所有交易进行了分类，您就可以进入下一个阶段，开始制定自己专属的预算计划。

免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your debts or even kick start a regular savings plan. If you discover you don’t have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

To work out how to create a budget try our tool: ( Create downloadable budget tool )

The content of this article does not constitute individual financial advice.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle/Transport
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your loans or even kick start a regular savings plan. If you discover you don’t have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage EMI (Equated monthly instalment) this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

Author is not a financial advisor, tax professional or legal advisor. The article and its content is for informational purposes only, reader should not construe any such information or other material as legal, tax, investment, financial, or other advice. All information, data, strategies, reports, articles and all other features of this article are provided for informational and educational purposes only and should not be considered or inferred as personalized investment advice. Article may contain errors, and the reader should not make any financial or investment decision based solely on what the reader reads in this article and writing. It shall be reader’s responsibility to perform its own due diligence, and reader must make its own decisions. Be advised and aware that financial and investment decisions involve risk. Author accept no liability whatsoever for any direct or consequential loss arising from any use of author’s writings, products, services, website, or other content, including contents of this article. Reader is responsible for its own investment research and decisions. Reader should seek the advice of a qualified investment advisor and fully understand any and all risks before investing or making any financial decision. Author make no representation that any reader will or is likely to experience results as cited in this article. All results of author’s recommendations are not based on actual investments by author and are based upon a hypothesis, available statistics and surveys which have limitations and do not reflect all components of actual investments. Reader’s actual results may vary based upon many factors. All content and references to third-party sources is provided solely for convenience. This information may be inaccurate, use at your own risk.

By reading this article or any of its contents you agree that neither author nor its employees, shareholders, directors, contractors, affiliates, agents, third party content providers or licensors will be liable for any direct, indirect, incidental or any other type of claim, liability, cost, damage or loss resulting from reader’s use of any of this content. This includes, but is not limited to, loss or injury caused in whole or in part by contingencies beyond our control.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle/Transport
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your loans or even kick start a regular savings plan. If you discover you don't have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage EMI (Equated monthly instalment) this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

The content of this article does not constitute individual financial advice.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle/Transport
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your loans or even kick start a regular savings plan. If you discover you don't have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage EMI (Equated monthly instalment) this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

To work out how to create a budget try our tool:

The information in this report does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations.

While we have made every attempt to ensure that the information contained in this report has been obtained from reliable sources, Aon is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this report is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Aon be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages, even if advised of the possibility of such damages.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle/Transport
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your loans or even kick start a regular savings plan. If you discover you don't have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage EMI (Equated monthly instalment) this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

To work out how to create a budget try our tool:

Det første du bør starte med er å samle så mye informasjon som mulig om ditt eget pengeforbruk. Synes du det er vanskelig, så ta en titt på kontoutskriftene dine fra lønnskontoen og kredittkortet. Du kan sette deg realistiske økonomiske mål og sparemål bare hvis du vet hvor mye penger du tjener og bruker, og hvor mye penger du har nå.

En av de beste måtene å holde få kontroll på pengeforbruket er å sammenligne kvitteringene dine månedlig med utskriftene fra bankkonto og kredittkort. Dette kan du gjøre på flere måter. De fleste nettbanker tilbyr nedlasting av transaksjonene dine til Excel-regneark. Du har også tilgang til flere apper som kan registrere pengeforbruket. Går du fram på denne måten, holder du greie på hva pengene dine brukes til. Du kan også sjekke at du er blitt belastet riktig beløp for varekjøp og ikke blitt trukket for noe du ikke har kjøpt. Sjekk spesielt dette:

  • Belastning fra selskaper du ikke gjenkjenner
  • Store og uvanlige uttak fra kontoen
  • Endringer i beløp for ordinære utbetalinger
  • Doble betalinger

Når du har kontrollert hele ditt eget pengeforbruk, kan du også dele inn transaksjonene dine i ulike kategorier. Dermed får du bedre oversikt over ulike typer forbruk. Forbrukskategoriene kan for eksempel være:

  • Bolig
  • Strøm og ulike offentlige tjenester
  • Utdanning
  • Bil
  • Forsikring
  • Mat
  • Klær
  • Skjønnhetspleie
  • Trening
  • Abonnement
  • Ferie
  • Offentlige utgifter

Når du har fått oversikt over helheten i ditt eget pengeforbruk, trekker du utgiftene fra inntektene. Det du nå har til overs, kan du begynne å jobbe med. Du kan bruke det du har til overs for å redusere gjeld eller komme i gang med en spareordning. Oppdager du at du ikke sitter igjen med penger til overs, men at budsjettet går i minus, ser du nærmere på overforbruket kan kuttes.

En god framgangsmåte er å skjelne mellom hva du trenger og hva du ønsker deg.

Behovene våre er ting vi må ha, dvs. livsnødvendighetene du må bruke penger på, som f.eks. bolig, strøm og mat. Ønskene våre er goder vi gjerne vil ha, som f.eks. klær, underholdning og feriereiser.

En annen klok strategi er “betal til deg selv først”. Klarer du å spare noe i løpet av året, eller er du konstant avhengig av månedslønnen for å betale forrige måneds kredittkortregning? Bruker du pengene før du tjener dem? Og stoler du på å ha noe til overs slik at du kan spare?

 Gjør det til en vane å betale til deg selv først. Overfør en del av inntektene dine til en bankkonto som ikke er tilknyttet et betalingskort, i det minste til å begynne med. Det er en god idé å bygge opp en “bufferkaptial” Hvis du virkelig er disiplinert, kan du opprette en fast kontooverføring som en del av en spareplan. Faste kontotrekk eller avtalegiro, som helst bør være samordnet med lønnsutbetalinger. Dette vil dempe fristelser og pålegge deg den nødvendige selvdisiplinen for å ikke leve over evne og spare penger.

 Du bør også tenke over hvordan du håndterer gjelden din. Gjennomgå boliglånene dine jevnlig. Har du boliglån, er dette antagelig den største månedlige utgiften. Så det er lurt å sjekke statusen for boliglånet minst én gang i året. Bruk internett for å sammenligne rentenivåerEr ikke renten på boliglånet ditt lenger konkurransedyktig, kontakter du banken for å drøfte hvilke muligheter du har. Tilbyr ikke banken konkurransedyktig rente, så undersøk om du kan bytte bank. Vær oppmerksom på eventuelle gebyrer hvis du vil overføre lån. Forbrukerrådet har en nettside www.finansportalen.no hvor du kan sammenligne lånevilkår.

Sjekk om du har gunstigere lånebetingelse gjennom arbeidsgivers pensjonsleverandør eller medlemsfordel gjennom medlemsskap i for eksempel en fagforening.

Hvordan du håndterer kredittkortgjeld er også viktig. Sørg for å betale avdragene før forfallsdato og innenfor rentefri periode. Kredittkortgjeld har svært høy rente og må håndteres fornuftig.

Sett deg inn i de grunnleggende tingene og gjør opp status for din nåværende økonomiske situasjon. Først da kan du ta grep om din egen økonomi.Dette er noe du kan klare, men krever tålmodighet og disiplin, og at du setter av tid til det.

Prøv gjerne verktøyet vårt for å sette opp et budsjett.

Denne artikkelen inneholder ikke økonomiske råd til enkeltpersoner.

Pour commencer, rassemblez autant d’informations que possible sur vos dépenses. Si c’est trop difficile, prenez un instantané de votre budget en commençant par votre relevé de compte bancaire ou de carte de crédit. Vous ne pouvez vraiment pas vous fixer des objectifs financiers et des perspectives d’épargne réalistes sans savoir à quoi ressemble votre trésorerie et de combien d’argent vous disposez.

La meilleure façon de suivre vos dépenses est de comparer chaque mois vos tickets de caisse avec vos relevés de compte bancaire et de carte de crédit. Cet exercice peut se faire de différentes façons. Par le biais de leurs services bancaires en ligne, la plupart des banques vous permettent de télécharger le suivi de vos transactions dans un fichier Excel. Diverses applications qui permettent de suivre vos dépenses sont également disponibles. De cette manière, non seulement vous saurez où va votre argent, mais vous pourrez également vous assurer que les articles que vous avez achetés vous ont été facturés au bon montant et que vous n’avez pas payé quelque chose que vous n’avez pas acheté. Soyez toujours attentif :

  • Aux frais facturés par des sociétés que vous ne reconnaissez pas ;
  • Aux paiements importants ou inhabituels ;
  • Aux changements des montants des prélèvements automatiques ;
  • Aux prélèvements effectués en double.

Après avoir repéré toutes vos dépenses, vous pouvez grouper les transactions en plusieurs catégories pour vous aider à comprendre dans quels domaines se situent vos dépenses. Parmi ces catégories, nous pouvons citer :

  • Logement
  • Charges (locatives, énergie…)
  • Éducation
  • Transports
  • Assurances
  • Alimentation
  • Habillement
  • Esthétique
  • Sport
  • Vacances
  • Impôts, taxes

Une fois que vous avez compris l’ensemble de vos dépenses, déduisez-les du total de vos revenus. Ce qui reste, c’est votre base de travail. Tout excédent de trésorerie pourrait être utilisé pour réduire vos dettes ou même pour commencer un plan d’épargne régulier. Si vous vous apercevez que vous n’avez pas de revenu excédentaire et que vous avez un « trou noir » dans votre budget, identifiez les domaines dans lesquels vous dépensez trop et dont vous pourriez diminuer les dépenses.

Une bonne manière de procéder est d’établir une distinction entre vos besoins et vos envies.

Les besoins sont les éléments indispensables, c’est-à-dire les choses nécessaires auxquelles vous consacrez votre argent, comme le logement, l’électricité et la nourriture. Les envies sont des éléments facultatifs ou des éléments « futiles », comme les vêtements, les loisirs et les voyages.

La stratégie du « payez-vous en premier » s’avère également un choix intelligent. Parvenez-vous à économiser tout au long de l’année ou comptez-vous constamment sur les revenus du mois pour payer les dépenses par carte de crédit du mois précédent ? Commencez-vous par dépenser ? Pour ensuite compter sur ce qui reste en espérant l’épargner ?

 Prenez l’habitude de vous payer en premier, c’est-à-dire de verser un pourcentage de vos revenus sur un compte bancaire difficile d’accès, du moins pour commencer. Constituer un fonds de secours est toujours une idée judicieuse. Si vous êtes une personne vraiment disciplinée, vous pouvez mettre en place un versement direct sur un plan d’épargne régulier. La mise en place d’un ordre permanent hebdomadaire ou mensuel (dans l’idéal, à une fréquence identique à celle de versement de votre salaire) vous permettra de résister à la tentation et de mettre en place la discipline nécessaire pour vivre en fonction de vos moyens et économiser un peu d’argent.

Il vous faut également réfléchir à la manière dont vous gérez votre dette. Revoyez régulièrement tous vos prêts immobiliers. Si vous avez souscrit un crédit hypothécaire, il s’agit probablement de votre plus grosse dépense mensuelle. Il est donc conseillé de vérifier au moins une fois par an sa structure. Consultez les taux d’intérêt en ligne et comparez-les. Si votre taux n’est plus compétitif, contactez votre organisme de prêt pour discuter des options envisageables et pensez à changer d’organisme prêteur si les taux du vôtre ne sont pas compétitifs. N’oubliez pas de tenir compte des éventuels frais de rachat et des conséquences d’un transfert de votre crédit d’un organisme de prêt à l’autre.

La manière dont vous gérez votre dette liée à votre carte de crédit est également importante. Veillez à payer les montants utilisés à la date d’échéance et dans la période exempte de taux d’intérêt. La dette liée aux cartes de crédit engendre des intérêts extrêmement élevés et doit être gérée avec prudence.

Lorsqu’il s’agit de redresser vos finances, il est essentiel de revoir les bases et de comprendre votre situation actuelle. Ce n’est pas sorcier, mais il faut s’armer de patience, prévoir de s’y consacrer régulièrement et avoir de la discipline !

Le contenu de cet article ne remplace pas un conseil financier individuel.

Het uitgangspunt is zoveel mogelijk informatie te verzamelen over je uitgaven. Als dat te moeilijk is, neem dan een momentopname, te beginnen met je bankrekening- of creditcardafschriften. Je kunt echt geen realistische financiële doelstellingen en besparingsdoelstellingen opstellen zonder te weten hoe je besteedbare middelen eruit zien en hoeveel geld je tot je beschikking hebt.

De beste manier om je uitgaven bij te houden, is om je ontvangstbewijzen elke maand te vergelijken met je bankrekening- en creditcardafschriften. Er zijn verschillende manieren om dit te doen. De meeste banken stellen je via internetbankieren in staat om je transactieactiviteit naar Excel te downloaden. Je kunt ook diverse apps gebruiken die je uitgaven bijhouden. Hierdoor weet je niet alleen waar je geld naartoe gaat, maar kan je er ook voor zorgen dat het juiste bedrag in rekening is gebracht voor de artikelen die je hebt gekocht en dat er niets in rekening is gebracht voor iets wat je niet hebt gekocht. Let op het volgende:

  • Kosten van bedrijven die je niet herkent
  • Grote of ongebruikelijke kosten
  • Wijzigingen in reguliere debetbedragen
  • Dubbele kosten.

Nadat je al je uitgaven hebt getraceerd, kan je de transacties ook in verschillende categorieën groeperen om te begrijpen waaraan je je geld uitgeeft. Mogelijke categorieën zijn:

  • Huisvesting
  • Nutsvoorzieningen
  • Onderwijs
  • Motorvoertuig
  • Verzekeringen
  • Voedsel
  • Kleding
  • Schoonheid
  • Fitness
  • Vakanties
  • Belasting

Zodra je je totale uitgaven begrijpt, trek je je totale uitgaven af van het totale inkomen. Wat er nog over is, is waar je mee moet werken. Alle surplus besteedbare middelen kunnen worden gebruikt om je schulden te verminderen of zelfs om een periodiek spaarplan te starten. Als je ontdekt dat je geen surplus hebt en een zwart gat in je budget hebt; identificeer de gebieden waar je te veel uitgeeft en waar je op kunt bezuinigen.

Een goede manier om dit te doen is je behoeften tegenover je wensen te plaatsen.

Behoeften zijn onmisbare dingen. Dat zijn de noodzakelijke dingen waaraan je je geld uitgeeft, zoals huisvesting, elektriciteit en voedsel. Wensen zijn de discretionaire dingen of “leuk om te hebben”, kleding, entertainment en reizen.

Nog een goede strategie is “Betaal eerst jezelf”. Lukt het je om het hele jaar door iets te sparen of vertrouw je constant op het inkomen van deze maand om de creditcardrekeningen van vorige maand te betalen? Geef je eerst uit voor het geld binnenkomt? Vertrouw je dan op wat er overblijft en hoop je dat te kunnen sparen?

 Maak er een gewoonte van om eerst jezelf te betalen, dat wil zeggen een percentage van je inkomen op een moeilijk toegankelijke bankrekening te zetten, tenminste om te beginnen. Het is een goed idee om een noodfonds op te bouwen. Als je echt gedisciplineerd bent, kun je dit bedrag naar een regelmatig spaarplan overbrengen. Door een wekelijkse of maandelijkse automatische afschrijving in te stellen (in het ideale geval passend bij de frequentie van het moment waarop je salaris wordt uitbetaald), neem je de verleiding weg en zet je de discipline op om binnen je mogelijkheden te leven en wat geld te besparen.

Nog iets om aan te denken is hoe je schuld beheert. Bekijk regelmatig je woningleningen. Als je een hypotheek hebt, is dit waarschijnlijk je grootste maandelijkse uitgave, dus het is een goed idee om minstens één keer per jaar te controleren hoe deze is gestructureerd. Ga online en vergelijk interesttarieven. Als je tarief niet langer concurrerend is, bel dan je hypotheekverstrekker om de opties te bespreken en overweeg van hypotheekverstrekker te veranderen als je bestaande verstrekker geen concurrerende tarieven biedt. Houd rekening met eventuele uitstapkosten en implicaties wanneer je je lening van de ene verstrekker naar de andere overbrengt.

Het is ook belangrijk hoe je je creditcardschuld beheert. Zorg ervoor dat je je creditcards op de vervaldatum en binnen de interestvrije periode afbetaalt. Creditcardschulden hebben een zeer hoge interest en moeten zorgvuldig beheerd worden.

Herzie de basis en begrijp dat je huidige positie belangrijk is als het gaat om het onder controle krijgen van je financiën Dat is geen hogere wiskunde, maar het vraagt wat geduld, het toewijzen van een regelmatig tijdvenster en wat discipline!

T

De content van dit artikel is niet bedoeld als individueel financieel advies

Udgangspunktet er at samle så mange oplysninger om dit forbrug som muligt. Hvis det er for svært, kan du danne dig et øjebliksbillede ud fra dit kontoudtog og din kreditkortopgørelse. Du kan ganske enkelt ikke muligt sætte dig realistiske økonomiske målsætninger og sparemål uden at have kendskab til din likviditet og til, hvor mange penge du har til rådighed.

Den bedste måde at holde styr på dit forbrug på er at sammenholde dine kvitteringer med dit kontoudtog og din kreditkortopgørelse hver måned. Der er flere måder at gøre dette på. De fleste banker giver gennem deres netbank mulighed for at downloade dine kontobevægelser til Excel. Der findes også en række forskellige apps, der kan hjælpe dig med at spore dit forbrug. På den måde får du ikke blot et overblik over, hvor dine penge forsvinder hen, men du kan også sikre dig, at det korrekte beløb er blevet trukket for de varer, du har købt, og at du ikke er blevet trukket for noget, du ikke har købt. Hold øje med:

  • Debiteringer fra virksomheder, du ikke genkender
  • Store eller usædvanlige debiteringer
  • Ændringer i regelmæssige debiterede beløb

Når du har dannet dig et overblik over alle dine udgifter, kan du også gruppere dine transaktioner i forskellige kategorier, der kan hjælpe dig med at forstå, hvilke områder du lægger dine penge i. Disse kategorier kan omfatte:

  • Bolig
  • Forsyning
  • Uddannelse
  • Køretøjer
  • Forsikringer
  • Fødevarer
  • Tøj
  • Skønhed
  • Fitness
  • Ferier
  • Skat

Når du forstår dit samlede forbrug til fulde, kan du fratrække dine samlede udgifter fra dine samlede indtægter. Det tilbageværende er det, du har at gøre godt med. Al overskydende likviditet kan bruges til at tilbagebetale gæld eller endda til at komme i gang med en regelmæssig opsparingsplan. Hvis du finder ud af, at du ikke har noget overskud fra din indkomst, og at du har et stort hul i dit budget, kan du identificere nogle af de områder, hvor du har et overforbrug, som du efterfølgende kan skære ned på.

En god måde at gøre dette på er ved at identificere dine behov i forhold til ønsker. 

Behov er de varer, du har brug for – de nødvendigheder, du bruger penge på, som bolig, elektricitet og mad. Ønsker er vilkårlige indkøb eller ting, som er "rare at have", såsom tøj, underholdning og rejser.

En anden smart kategori er "Betal dig selv først". Kan du sætte penge til side i løbet af året, eller er du konstant afhængig af denne måneds indkomst til at betale sidste måneds kreditkortgæld? Bruger du først? Og er du derefter bare afhængig af, hvad der er tilbage, og håber på at kunne lægge det til side?

 Kom ind i vanen med at betale dig selv først – det vil sige, at du overfører en del af din indkomst til en bankkonto, der er svær at få adgang til, i hvert fald til at begynde med. Det er en god idé at opbygge en nødopsparing. Hvis du er meget disciplineret, kan du overføre dette beløb til en regelmæssig opsparingsplan. Ved at opsætte en ugentlig eller månedlig automatisk indbetaling (allerhelst på samme dag, som din løn udbetales) fjerner du fristelsen og opbygger disciplinen til at leve inden for dine midler og spare nogle penge.

Et andet område, du kan tænke over, er, hvordan du forvalter din gæld. Gennemse eventuelle boliglån jævnligt. Hvis du har et realkreditlån, er det sandsynligt, at dette udgør din største månedlig udgift, og det er derfor en god idé at tjekke mindst én gang om året, hvordan lånet er struktureret. Sammenlign rentesatserne på internettet. Hvis din sats ikke længere er konkurrencedygtig, bør du ringe til din långiver og drøfte dine muligheder. Du kan også overveje at skifte til en anden långiver, hvis din nuværende långiver ikke kan give dig konkurrencedygtige satser. Vær opmærksom på eventuelle udtrædelsesgebyrer og konsekvenser af at flytte dit lån fra én långiver til en anden. 

Hvordan du styrer din kreditkortgæld er ligeledes vigtigt. Sørg for at afbetale på dine kreditkort inden for fristen og inden for rentefri periode. Kreditkortgæld har ekstremt høje renter og bør forvaltes omhyggeligt.

Det er vigtigt at gennemgå de grundlæggende principper og forstå din nuværende situation, når det kommer til at få en god økonomi. Det er ikke raketvidenskab, men det kræver lidt tålmodighed, afsætning af et regelmæssig betalingsvindue og en vis disciplin! 

Du kan bruge vores værktøj til at lave et budget:

https://www.raadtilpenge.dk/penge-beregner/Lommebudget

Το σημείο αφετηρίας είναι να συγκεντρώνετε όσο το δυνατόν περισσότερες πληροφορίες μπορείτε σχετικά με τις δαπάνες σας. Εάν αυτό είναι δύσκολο, δημιουργήστε μια επισκόπηση προϋπολογισμού ξεκινώντας με την κατάσταση κίνησης του τραπεζικού λογαριασμού σας ή με την αναλυτική κατάσταση λογαριασμού πιστωτικής κάρτας σας. Πράγματι, δεν μπορείτε να θέσετε ρεαλιστικούς οικονομικούς και αποταμιευτικούς στόχους χωρίς να γνωρίζετε τη μορφή της ρευστότητάς σας και πόσα χρήματα έχετε στη διάθεσή σας.

Ο καλύτερος τρόπος για να παρακολουθείτε τις δαπάνες σας είναι να ελέγχετε τις αποδείξεις σας με βάση την κατάσταση κίνησης του τραπεζικού λογαριασμού και την αναλυτική κατάσταση λογαριασμού πιστωτικής κάρτας σας σε μηνιαία βάση. Υπάρχουν πολλοί τρόποι για να πραγματοποιήσετε αυτή την άσκηση. Οι περισσότερες τράπεζες, μέσω των τραπεζικών διαδικτυακών υπηρεσιών τους, σας δίνουν τη δυνατότητα να κάνετε λήψη της συναλλακτικής σας δραστηριότητας σε αρχείο excel. Επίσης, μπορείτε να προσπελάζετε διάφορες εφαρμογές που παρακολουθούν τις δαπάνες σας. Με αυτόν τον τρόπο, γνωρίζετε πού ξοδεύετε τα χρήματά σας, καθώς και να επιβεβαιώνετε ότι χρεωθήκατε με το σωστό ποσό για τις αγορές σας και όχι για κάτι που δεν αγοράσατε. Να έχετε τον νου σας για:

  • Χρεώσεις από εταιρείες που δεν αναγνωρίζετε
  • Μεγάλες ή ασυνήθιστες χρεώσεις
  • Αλλαγές σε τακτικά ποσά χρέωσης
  • Διπλές χρεώσεις.

Αφού ελέγξετε όλες τις δαπάνες σας μπορείτε, επίσης, να ομαδοποιήσετε τις συναλλαγές σε πολλές κατηγορίες, πράγμα που θα σας βοηθήσει να κατανοήσετε σε ποιους κλάδους ξοδεύετε χρήματα. Αυτές οι κατηγορίες μπορεί να περιλαμβάνουν τα εξής:

  • Στέγαση
  • Υπηρεσίες κοινής ωφέλειας
  • Εκπαίδευση
  • Οχήματα
  • Ασφάλιση
  • Φαγητό
  • Ένδυση
  • Καλλυντικά
  • Άθληση
  • Διακοπές
  • Φόροι

Αφού κατανοήσετε τις συνολικές δαπάνες σας, αφαιρέστε τα συνολικά έξοδα από το συνολικό εισόδημά σας. Το ποσό που απομένει είναι αυτό που θα πρέπει να διαχειριστείτε. Οποιοδήποτε πλεόνασμα μετρητών θα μπορούσε να χρησιμοποιηθεί για τη μείωση των χρεών σας ή ακόμα και για να αποτελέσει το έναυσμα για ένα πρόγραμμα συστηματικής αποταμίευσης. Εάν διαπιστώσετε ότι δεν έχετε πλεόνασμα εισοδήματος, αλλά μια «μαύρη τρύπα» στον προϋπολογισμό σας, προσδιορίστε τους κλάδους στους οποίους ξοδεύετε υπερβολικά και κάντε τις ανάλογες περικοπές.

Ένας καλός τρόπος για να το κάνετε είναι να ξεχωρίσετε τις ανάγκες από τις επιθυμίες σας.

Οι ανάγκες περιλαμβάνουν τα «απαραίτητα», δηλαδή τα είδη για τα οποία πρέπει να ξοδεύετε χρήματα όπως η στέγαση, το ηλεκτρικό και το φαγητό. Οι επιθυμίες περιλαμβάνουν τα προαιρετικά ή τα είδη που είναι «ωραίο να έχει κανείς», όπως τα ρούχα, η ψυχαγωγία και τα ταξίδια.

Μια άλλη έξυπνη στρατηγική είναι να «πληρώνετε πρώτα τον εαυτό σας». Καταφέρνετε να αποταμιεύσετε κάποιο ποσό καθ’ όλη τη διάρκεια της χρονιάς ή βασίζεστε διαρκώς στο εισόδημα του επόμενου μήνα για να εξοφλήσετε τον λογαριασμό πιστωτικής κάρτας του προηγούμενου μήνα; Ξοδεύετε πρώτα; Στη συνέχεια, βασίζεστε στο ποσό που έχει απομείνει και ελπίζετε να το αποταμιεύσετε;

 Για αρχή, αποκτήστε τη συνήθεια να πληρώνετε πρώτα τον εαυτό σας, δηλαδή να τοποθετείτε ένα ποσοστό του εισοδήματός σας σε έναν «δυσπρόσιτο» τραπεζικό λογαριασμό. Είναι καλή ιδέα να δημιουργήσετε ένα κεφάλαιο έκτακτης ανάγκης. Εάν είστε πραγματικά πειθαρχημένοι, μπορείτε να διοχετεύσετε αυτό το ποσό σε ένα πρόγραμμα συστηματικής αποταμίευσης. Ο ορισμός εβδομαδιαίας ή μηνιαίας άμεσης χρέωσης (που θα συμπίπτει, ιδανικά, με τη συχνότητα καταβολής του μισθού σας) θα απομακρύνει τους πειρασμούς και θα σας βοηθήσει να πειθαρχήσετε έτσι ώστε να ζείτε στο πλαίσιο των οικονομικών δυνατοτήτων σας και να αποταμιεύετε κάποιο ποσό.

Ένα άλλο θέμα που πρέπει να σκεφτείτε είναι η διαχείριση των χρεών σας. Να αξιολογείτε τακτικά τυχόν στεγαστικά δάνεια. Εάν έχετε υποθήκη, που είναι πιθανώς το μεγαλύτερο μηνιαίο έξοδό σας, είναι καλή ιδέα να ελέγχετε τη δομή της τουλάχιστον μία φορά τον χρόνο. Συνδεθείτε στο διαδίκτυο και συγκρίνετε τα επιτόκια. Εάν το επιτόκιό σας δεν είναι πλέον ανταγωνιστικό, επικοινωνήστε με τον δανειοδοτικό οργανισμό με τον οποίο συνεργάζεστε για να συζητήσετε τις επιλογές και εξετάστε το ενδεχόμενο να αλλάξετε δανειοδοτικό οργανισμό εάν ο υφιστάμενος δεν προσφέρει ανταγωνιστικά επιτόκια. Να ενημερώνεστε για οποιεσδήποτε προμήθειες εξόδου και συνέπειες που απορρέουν από τη μεταφορά του δανείου σας από τον έναν οργανισμό στον άλλον.

Επίσης, εξίσου σημαντική είναι και η διαχείριση της πιστωτικής κάρτας σας. Βεβαιωθείτε ότι εξοφλείτε τις πιστωτικές κάρτες σας εντός της προθεσμίας και της άτοκης περιόδου. Το χρέος της πιστωτικής κάρτας έχει πολύ υψηλό επιτόκιο και θα πρέπει να το διαχειρίζεστε προσεκτικά.

Η αξιολόγηση των βασικών στοιχείων και η κατανόηση της τρέχουσας θέσης σας είναι σημαντικά στοιχεία, προκειμένου να έχετε το πλεονέκτημα σε ό,τι αφορά τα οικονομικά σας. Δεν πρόκειται για πυρηνική φυσική, αλλά χρειάζεται λίγη υπομονή, να αφιερώνετε τακτικά χρόνο και λίγη πειθαρχία!

Για να κατανοήσετε πώς να καταρτίσετε έναν προϋπολογισμό, δοκιμάστε το εργαλείο μας:

El punto de partida consiste en recabar tanta información como pueda acerca de sus gastos. Si le resulta muy difícil, puede comenzar por obtener una visión general de su presupuesto con los extractos de su cuenta bancaria y sus tarjetas de crédito. No podrá establecer metas financieras ni objetivos de ahorro realistas si no sabe cuál es su flujo de efectivo y de cuánto dinero dispone.

La mejor forma de hacer un seguimiento de su gasto es conciliar sus tiques y facturas con los extractos de su cuenta bancaria y su tarjeta de crédito cada mes. Esto puede hacerse de varias formas. La mayoría de bancos permiten descargar toda la actividad de sus cuentas en una hoja de Excel a través de sus plataformas de banca online. Si lo desea, pueda utilizar también una de las diferentes aplicaciones que hacen un seguimiento automático de sus gastos. Al hacerlo, no solo sabrá adónde está yendo su dinero, sino que también se asegurará de que ha pagado el importe correcto por los artículos o servicios que ha adquirido y que no le han cobrado nada que no haya comprado. Vigile especialmente:

  • Los cargos de empresas que no reconoce
  • Los cargos no habituales o por importes elevados
  • Los cambios en los cobros periódicos por domiciliación
  • Los cargos duplicados.

Una vez que haya identificado todos sus gastos, también podrá agrupar las transacciones en varias categorías para entender en que está gastando su dinero. Estas pueden incluir:

  • Hipoteca o alquiler
  • Facturas de electricidad, agua y gas
  • Educación
  • Gastos de automóvil
  • Seguros
  • Alimentación
  • Ropa
  • Belleza
  • Actividad física
  • Vacaciones
  • Impuestos

Una vez que conozca su volumen de gasto, reste a sus ingresos totales sus gastos totales. El importe restante será su saldo disponible, y podrá destinarlo a reducir sus deudas o incluso poner en marcha un plan de ahorro periódico. Y si descubre que, más que un excedente en sus ingresos lo que tiene es un agujero presupuestario, deberá identificar aquellas categorías en las que está gastando excesivamente para aplicar los recortes correspondientes.

Una buena forma de hacerlo es contrastar sus necesidades con sus deseos. 

Sus necesidades serían los artículos y servicios indispensables o las cosas necesarias en las que gasta su dinero, como por ejemplo su hipoteca/alquiler, las facturas de electricidad y los alimentos. Por su parte, los deseos serían aquellos artículos o servicios discrecionales o «caprichos», como la ropa, el ocio o los viajes.

Otra estrategia inteligente es la denominada «priorización del ahorro». Pregúntese si consigue ahorrar algo a lo largo del año o si está constantemente esperando a recibir sus ingresos mensuales para pagar el recibo de su tarjeta de crédito del mes anterior. ¿Gasta primero y espera poder ahorrar lo que le sobra?

 Cultive el hábito de priorizar el ahorro, es decir, enviar una parte de sus ingresos a una cuenta bancaria a la que le resulte difícil acceder. Al menos como punto de partida, es una buena idea para crear una especie de fondo de emergencia. Si es disciplinado, más adelante podrá destinar ese importe a un plan de ahorro periódico. Establecer una domiciliación bancaria semanal o mensual (que preferiblemente coincida con la frecuencia con la que recibe su salario) alejará la tentación de gastar y le permitirá adquirir la disciplina de vivir de acuerdo con sus posibilidades y ahorrar algo de dinero.

Otro punto sobre el que deberá reflexionar es cómo está gestionando sus deudas. Revise cualquier préstamo que haya recibido para su vivienda regularmente. Si tiene una hipoteca, lo más probable es que esta suponga su mayor gasto mensual, de modo que no sería mala idea que la revisase al menos una vez al año. Entre en Internet y compare tipos de interés. Si el suyo ha dejado de ser competitivo, llame a su banco para comentar las posibles opciones de las que dispone y considere la posibilidad de pasarse a otro si el actual no le ofrece un tipo atractivo. Infórmese sobre cualquier comisión de subrogación o implicación de transferir su hipoteca de un prestamista a otro. 

Otro punto importante es cómo afronta la deuda de sus tarjetas de crédito. Asegúrese de amortizar el importe de sus tarjetas de crédito antes de la fecha de vencimiento y dentro del plazo exento de intereses. La deuda de las tarjetas de crédito conlleva intereses extremadamente altos y, por tanto, debe gestionarse con mucho cuidado.

Revisar los aspectos básicos y entender su posición actual es fundamental para hacerse con el control de sus finanzas. Aunque no se trate de física cuántica, requiere cierta paciencia, disciplina y algo de tiempo todos los meses. 

Tenga en cuenta que el contenido de este artículo no constituye ningún tipo de asesoramiento financiero individual.

A kiindulási alap az, hogy gyűjts be minél több információt a kiadásaiddal kapcsolatban. Ha ez túl nehéz, készíts költségvetési pillanatképet kezdve a bankszámlakivonatoddal vagy hitelkártya-kivonatoddal. Nem lehetnek reális pénzügyi terveid és megtakarítási céljaid anélkül, hogy tudnád, hogy néz ki a pénzforgalmad, és mennyi pénz áll rendelkezésedre.

A legjobb módja a kiadásaid nyomon követésének, ha minden hónapban összeveted a nyugtákat a bankszámlakivonatoddal és a hitelkártya-kivonatoddal. Számos módja van, hogy nekiláss ennek a feladatnak. A legtöbb bank lehetővé teszi a tranzakciós tevékenységed Excel formátumban történő letöltését az internetbank szolgáltatáson keresztül. Elérhető továbbá számos alkalmazás, amellyel nyomon követheted a kiadásaidat. Eközben nemcsak azt fogod megtudni, hogy mire megy el a pénzed, de ellenőrizheted azt is, hogy a megvásárolt tételek után a megfelelő összeget vonták-e le, és nem terhelt-e költség semmiért, amit nem vettél meg. Figyelj a következőkre:

  • olyan cégek költségei, amelyek nem ismerősek;
  • nagy vagy szokatlan költségek;
  • rendszeres összegű költségek;
  • kétszeres költségek.

Ha felkutattad az összes kiadásod, több kategóriába csoportosíthatod a tranzakciókat, hogy könnyebben megértsd, milyen területeken költesz. Ezen kategóriák közé tartozhatnak az alábbiak:

  • Háztartás
  • Közművek
  • Oktatás
  • Gépjármű
  • Biztosítások
  • Élelmiszer
  • Ruházat
  • Szépségápolás
  • Sport
  • Nyaralások
  • Adó
  • Kisállatok
  • Szépségápolás

Amint megismerted a költéseid teljes összegét, vond ki az összes kiadásod a teljes bevételedből. Ami marad, azzal kell dolgoznod. Bármennyi többlet pénzforgalom használható az adósságaid csökkentésére, vagy arra, hogy elkezdj egy rendszeres megtakarítási tervet. Ha úgy látod, hogy nincs többlet bevételed, és költségvetési fekete lyukkal állsz szemben, derítsd fel azokat a területeket, amelyekre túl sokat költesz, és ahol csökkentheted a kiadásokat.

Ennek egy jó módja a szükségletek, illetve a vágyak azonosítása.

A szükségletek kötelező tételek, azaz olyan szükséges dolgok, amelyekre pénzt kell költened, mint a háztartás, az áram és az élelmiszer. A vágyak választható tételek vagy olyan dolgok, amelyek „jó, ha vannak”: ruházat, szórakozás és utazás.

Egy másik okos stratégia, hogy „Fizesd ki magad először”. Sikerül bármennyit is megtakarítanod az év során, vagy állandóan az e havi bevételre hagyatkozol az előző havi hitelkártyaszámlák kifizetéséhez? Először költesz? És ezután hagyatkozol arra, ami megmaradt, és reméled, hogy megspórolod?

Szokj rá arra, hogy kifizeted magad először, azaz a bevételed egy bizonyos százalékát átutalod egy nehezen hozzáférhető bankszámlára, legalábbis kezdetben. Jó ötlet felépíteni egy vészhelyzeti pénzalapot. Ha igazán fegyelmezett vagy, ezt az összeget egy rendszeres megtakarítási tervbe irányíthatod. Egy heti vagy havi közvetlen terhelési megbízás beállítása (amely ideális esetben igazodik a béred kifizetésének gyakoriságához) eltünteti a kísértést, és kialakítja a fegyelmezettséget, hogy az anyagi lehetőségeidhez mérten élj, és megtakaríts valamennyi pénzt.

Egy másik terület, amin érdemes elgondolkodni, az adósságaid kezelése. Rendszeresen tekintsd át az esetleges lakáshiteledet. Ha van jelzáloghiteled, az jelenti valószínűleg a legnagyobb havi kiadásodat, így jó ötlet legalább egy évben egyszer ellenőrizni annak felépítését. Menj fel az internetre, és hasonlítsd össze a kamatlábakat. Ha a tied nem versenyképes, hívd fel a hiteleződ, hogy megbeszéljétek a lehetőségeket, és fontold meg a hitelnyújtó lecserélését, ha a jelenlegi nem ajánl versenyképes árat. Legyél tisztában a kilépési díjakkal és annak a következményeivel, ha a hiteled egyik szolgáltatótól a másikhoz viszed.

Az is fontos, hogy hogyan kezeled a hitelkártya-tartozásod. Figyelj rá, hogy a fizetési határidőig és a kamatmentes időszakon belül kiegyenlíts a hitelkártya-tartozásaid. A hitelkártya-tartozás nagyon magas kamattal jár, és körültekintően kell kezelni.

Az alapok áttekintése és a jelenlegi helyzeted megértése fontos, ha szeretnéd kézben tartani a pénzügyeid. Nem atomfizika, de türelemre, rendszeresen erre szánt időre és némi fegyelemre van szükség!

Költségvetés kidolgozásához próbáld ki az eszközünket:

A cikk tartalma nem számít személyre szabott pénzügyi tanácsadásnak.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your debts or even kick start a regular savings plan. If you discover you don’t have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

The content of this article does not constitute individual financial advice.

Il faut, pour commencer, rassembler autant d’informations que possible sur vos dépenses. Si cela s’avère trop difficile, commencez par consulter vos relevés de compte ou de carte bancaire pour avoir un aperçu de votre budget. Il n’est pas possible de fixer des objectifs financiers et d’épargne réalistes sans connaître l’état de vos liquidités et de la somme d’argent dont vous disposez.

Le meilleur moyen d’effectuer un suivi de vos dépenses est de vérifier vos tickets par rapport à vos relevés de comptes et de cartes bancaires tous les mois. Vous pouvez réaliser cet exercice de plusieurs manières. La plupart des banques, grâce à leurs services bancaires en ligne, vous permettent de télécharger vos transactions au format Excel. Vous avez également différentes applications à votre disposition pour effectuer le suivi de vos dépenses. En procédant ainsi, vous saurez non seulement où va votre argent, mais vous pourrez aussi vous assurer que le bon montant vous a été facturé pour vos achats et qu’aucune somme n’a été débitée pour des achats que vous n’avez pas effectués. Soyez notamment vigilant(e) aux :

  • débits provenant de sociétés que vous ne reconnaissez pas ;
  • débits inhabituels ou conséquents ;
  • modifications du montant des prélèvements réguliers ;
  • débits effectués deux fois.

Une fois que vous avez vérifié toutes vos dépenses, vous pouvez aussi regrouper les transactions en plusieurs catégories afin de vous aider à comprendre vos postes de dépenses. Ces catégories peuvent notamment inclure :

  • Logement
  • Services publics
  • Éducation
  • Véhicule
  • Assurances
  • Nourriture
  • Vêtements
  • Beauté
  • Sport
  • Vacances
  • Impôts

Lorsque vous avez recensé l'intégralité de vos dépenses, déduisez-les de vos revenus totaux. Le solde correspond à la somme que vous avez à disposition. Toute liquidité excédentaire pourrait servir à réduire vos dettes ou à commencer un plan d’épargne régulier. S'il s'avère que vous n’avez pas de liquidité excédentaire, mais un trou noir dans votre budget, identifiez les postes où vous dépensez trop et que vous pourriez réduire.

Un bon moyen de le faire est de distinguer vos besoins de vos envies.

Les besoins sont les aspects essentiels, à savoir les choses qui ne peuvent se passer de dépense, comme le logement, l’électricité et la nourriture. Les envies sont les choses discrétionnaires ou qui font plaisir, comme les vêtements, les sorties et les voyages.

Une autre stratégie intelligente consiste à « vous payer en premier ». Parvenez-vous à faire des économies tout au long de l’année ou dépendez-vous constamment de vos revenus mensuels pour payer les factures de cartes de crédit du mois précédent ? Commencez-vous par dépenser en espérant qu’il vous restera quelque chose à épargner ?

 Prenez l’habitude de vous payer en premier, c’est-à-dire de virer un pourcentage de vos revenus sur un compte bancaire difficile d’accès, du moins pour commencer. Il est judicieux de se créer un fonds de secours. Si vous êtes vraiment discipliné(e), vous pouvez automatiser le virement de cette somme sur un plan d’épargne. En mettant en place un prélèvement automatique toutes les semaines ou tous les mois (l’idéal étant de choisir la même fréquence que celle à laquelle vous recevez votre salaire), vous éliminez les tentations et établissez une discipline pour vivre en fonction de vos moyens tout en faisant des économies.

Une autre idée consiste à réfléchir à la manière dont vous gérez vos dettes. Passez régulièrement en revue les prêts au logement. Si vous avez un emprunt immobilier, il constituera probablement la plus forte part de vos dépenses mensuelles. Il est donc judicieux de le réviser au moins une fois par an. Comparez les taux d’intérêts en ligne. Si votre taux n’est plus compétitif, contactez votre créancier pour discuter des options disponibles et envisagez de changer d’organisme prêteur si le vôtre ne propose pas de taux compétitifs. Informez-vous de tous les frais de rachat et implications en cas de changement d’organisme de prêt.

La manière dont vous gérez vos dettes de cartes de crédit est également importante. Veillez à payer le solde de vos cartes de crédit à la date d’échéance et avant la fin de la période sans intérêt. Les dettes de cartes de crédit sont généralement sujettes à des taux d’intérêt extrêmement élevés et doivent donc être gérées avec soin.

Il est important de passer en revue les éléments de base et de comprendre votre position actuelle pour prendre le contrôle de vos finances. Ce n’est pas sorcier, mais cela demande de la patience, de la discipline et d’y consacrer du temps à intervalles réguliers !

Pour savoir comment établir un budget, essayez notre outil :

Tragen Sie zunächst möglichst viele Informationen über Ihre Ausgaben zusammen. Wenn das zu schwierig ist, beginnen Sie mit einer Momentaufnahme Ihres Finanzstatus, indem Sie sich einen Kontoauszug oder eine Kreditkartenabrechnung vornehmen. Sie können sich keine realistischen Finanz- und Sparziele setzen, wenn Sie über Ihre Zahlungseingänge und -ausgänge und Ihre aktuell verfügbaren Geldmittel nicht Bescheid wissen.

Die beste Methode, um Ihre Ausgaben im Blick zu behalten, ist ein monatlicher Abgleich Ihrer Quittungen und Kassenbelege mit Ihren Kontoauszügen und Kreditkartenabrechnungen. In der Praxis gibt es dafür mehrere Möglichkeiten. Bei den meisten Banken können Sie Ihre Transaktionen über die Online-Banking-Funktion als Excel-Datei herunterladen. Es gibt auch verschiedene Apps, mit denen Sie Ihre Ausgaben verfolgen können. So verschaffen Sie sich nicht nur einen Überblick, wofür Sie Ihr Geld ausgeben, Sie können sich auch vergewissern, dass Ihnen die korrekten Beträge berechnet wurden bzw. dass Sie nicht etwas bezahlt haben, das Sie nicht gekauft haben. Achten Sie auf:

  • Abbuchungen von Firmen, die Ihnen nicht bekannt sind
  • Hohe oder ungewöhnliche Abbuchungen
  • Änderungen der Beträge bei regelmäßigen Abbuchungen
  • Doppelbuchungen

Wenn Sie Ihre Ausgaben vollständig erfasst haben, können Sie sie in verschiedene Kategorien einteilen, um zu verstehen, wie viel Sie in welchen Bereichen ausgeben. Diese Kategorien können zum Beispiel sein:

  • Wohnen
  • Nebenkosten
  • Bildung
  • Kraftfahrzeug
  • Versicherungen
  • Lebensmittel
  • Kleidung
  • Schönheitspflege
  • Fitness
  • Urlaub
  • Steuern

Wenn Sie wissen, wie hoch Ihre Gesamtausgaben sind, ziehen Sie diese von Ihren Gesamteinnahmen ab. Mit dem Betrag, der nun übrig bleibt, können Sie arbeiten. Sie können mit diesem Überschuss Ihre Schulden verringern oder ihn als Startkapital für einen Sparplan einsetzen. Sollten Sie zu dem Ergebnis kommen, dass Sie statt eines Einnahmenüberschusses ein Haushaltsloch haben, ermitteln Sie die Bereiche, in denen Sie zu viel ausgeben und in denen Sie sich einschränken können.

Ein sinnvoller Ansatz ist hier, zwischen Bedürfnissen und Wünschen zu unterscheiden.

Unter Bedürfnisse fällt alles, was Sie unbedingt brauchen, zum Beispiel ein Dach über dem Kopf, Strom und Lebensmittel. Wünsche sind sogenannte „Nice-to-Haves“, also Dinge, die Sie gerne hätten, aber nicht unbedingt brauchen, wie zum Beispiel modische Kleidung, Unterhaltung oder Reisen.

„Sich zuerst selbst bezahlen“, ist eine weitere empfehlenswerte Strategie. Gelingt es Ihnen, während des Jahres etwas auf die hohe Kante zu legen, oder geben Sie Ihr aktuelles Einkommen immer gleich wieder aus, um die Kreditkartenrechnungen aus dem letzten Monat zu bezahlen? Geben Sie zuerst aus? Und verlassen sich dann darauf, dass von dem Rest etwas übrig bleibt, das Sie sparen können?

 Gewöhnen Sie sich an, sich zuerst selbst zu bezahlen. Damit ist gemeint, dass Sie einen gewissen Anteil Ihres Einkommens auf ein Bankkonto einzahlen, auf das Sie – zumindest für den Anfang – nur schwer zugreifen können. So können Sie eine Rücklage für Notfälle aufbauen. Wenn Sie über die nötige Selbstdisziplin verfügen, können Sie diesen Betrag auch in einen normalen Sparplan einzahlen. Wenn Sie einen wöchentlichen oder monatlichen Dauerauftrag einrichten – idealerweise zu dem Zeitpunkt und mit derselben Regelmäßigkeit, mit der Sie Ihr Gehalt beziehen – entziehen Sie sich jeglicher Versuchung und gewöhnen sich an, mit dem auszukommen, was Sie haben, und gleichzeitig zu sparen.

Die Handhabung Ihrer Schulden ist ebenfalls eine Überlegung wert. Überprüfen Sie regelmäßig Ihre Hypothek, falls Sie eine haben. Wenn Sie einen Bau- oder Wohnkredit zurückzahlen müssen, ist dies wahrscheinlich Ihr größter monatlicher Posten. Daher lohnt es sich, die Einzelheiten der Finanzierung mindestens einmal im Jahr zu überprüfen. Vergleichen Sie im Internet die marktüblichen Zinssätze. Falls Ihr Zinssatz im Marktvergleich über den aktuellen Angeboten liegt, setzen Sie sich mit Ihrem Kreditinstitut in Verbindung, um Alternativen zu besprechen. Wird Ihnen kein wettbewerbsfähiger Zinssatz angeboten, sollten Sie eine Umschuldung in Erwägung ziehen. Achten Sie bei einem Wechsel Ihres Kreditgebers auf etwaige Rücknahmegebühren oder sonstige Auswirkungen einer Refinanzierung.

Wie Sie mit Kreditkartenforderungen umgehen, ist ebenfalls von Bedeutung. Bezahlen Sie Ihre Kreditkartenrechnungen unbedingt bis zum Fälligkeitsdatum und innerhalb des Zeitraums, in dem keine Zinsen anfallen. Kreditkartenschulden gehen mit sehr hohen Zinssätzen einher und sollten mit Umsicht gehandhabt werden.

Für ein erfolgreiches Management Ihrer Finanzen ist es wichtig, sich die Grundlagen vor Augen zu führen und eine Bestandsaufnahme Ihrer aktuellen finanziellen Lage vorzunehmen. Es ist keine Hexerei, aber es erfordert Geduld, regelmäßige Aufmerksamkeit und etwas Disziplin!

Wenn Sie Hilfe beim Erstellen eines Budgets benötigen, nutzen Sie unser Tool:

Il punto di partenza è raccogliere più informazioni possibile sulle spese. Se risulta troppo difficile, fai una panoramica del bilancio iniziando con l’estratto conto bancario o con il resoconto della carta di credito. Non puoi impostare degli obiettivi finanziari e dei traguardi di risparmio realistici senza conoscere la tua liquidità e la quantità di denaro che hai a disposizione.

Il modo migliore per monitorare le spese è confrontare ogni mese le ricevute con l’estratto conto bancario o della carta di credito. Ci sono vari modi per farlo. La maggior parte delle banche, tramite il sistema di online banking, consente di scaricare in un file di excel le operazioni effettuate. Puoi anche accedere a varie app che consentono di monitorare le spese. In questo modo, non solo saprai dove va a finire il tuo denaro, ma potrai anche accertarti che ti sia stato addebitato l'importo giusto per gli articoli acquistati e che non ti sia stato addebitato niente che non hai comprato. Tieni gli occhi aperti e stai attento:

  • agli addebiti di aziende che non riconosci
  • agli addebiti ingenti o insoliti
  • al cambio in caso di addebiti periodici
  • agli addebiti doppi.

Una volta monitorate tutte le spese, puoi anche raggruppare le transazioni in varie categorie che ti aiutino a capire in che settori stai spendendo, tra cui:

  • Casa
  • Utenze
  • Istruzione
  • Auto
  • Assicurazioni
  • Cibo
  • Abbigliamento
  • Cosmetici
  • Attività sportive
  • Vacanze
  • Tasse

Una volta compresa la spesa totale, sottrai le uscite totali dal reddito totale. Ciò che resta è quello su cui devi lavorare. Eventuali ulteriori entrate potrebbero essere usate per ridurre i debiti o addirittura per avviare un regolare piano di risparmio. Se ti accorgi di non avere nessun ulteriore reddito e di avere un buco di bilancio, identifica i settori in cui spendi troppo e dove puoi fare dei tagli.

Un buon modo per farlo è distinguere ciò di cui si ha necessità da ciò che si desidera.

Ciò di cui si ha necessità sono gli articoli imprescindibili e necessari per i quali si spendono i soldi come la casa, l’elettricità e il cibo. Ciò che desideri sono articoli facoltativi o che sarebbe bello avere, come abiti, viaggi e divertimenti.

Un’altra strategia intelligente è “Prima di tutto metti via qualcosa per te”. Riesci a risparmiare qualcosa nel corso dell'anno o fai costantemente affidamento sul reddito mensile per pagare i conti della carta di credito del mese precedente? Prima di tutto pensi a spendere? E poi ti affidi a ciò che resta sperando di risparmiarlo?

 Prendi l’abitudine di mettere via qualcosa per te, spostando una percentuale del reddito in un conto corrente bancario di difficile accesso. Per iniziare, è una buona idea creare un fondo d'emergenza. Se sei molto disciplinato, puoi far confluire questo importo in un piano di risparmio regolare. Impostando un addebito diretto mensile o settimanale (l'ideale sarebbe con la stessa frequenza con cui ricevi lo stipendio) scacci via le tentazioni e ti imponi una disciplina per vivere in base alle tue entrate risparmiando denaro.

Un argomento su cui riflettere è il modo in cui gestisci i debiti. Esamina regolarmente eventuali mutui per la casa. Se hai un mutuo, è probabile che questo costituisca la tua spesa mensile più ingente, quindi è una buona idea controllare almeno una volta all’anno com’è strutturato. Vai su internet e confronta i tassi d’interesse. Se il tuo tasso non è più competitivo, chiama il tuo mutuante per discutere delle alternative e rifletti se sia il caso di cambiare organismo mutuante se il tuo non offre più tassi competitivi. Informati su eventuali implicazioni e tasse di uscita previste per far passare il mutuo ad un altro organismo mutuante.

Anche la gestione del debito della tua carta è importante. Accertati di saldare il debito delle tue carte entro la scadenza ed entro il periodo a interessi zero. Il debito della carta di credito prevede interessi molto alti e deve essere gestito attentamente.

Quando si tratta di risparmiare per il futuro è importante esaminare i fattori basilari e capire la posizione attuale. La questione è semplicissima, ma ci vuole un po’ di pazienza e bisogna dedicargli tempo e disciplina!

Per capire come creare un budget prova il nostro strumento:

Il faut, pour commencer, rassembler autant d’informations que possible sur vos dépenses. Si cela s’avère trop difficile, commencez par consulter vos relevés de compte ou de carte bancaire pour avoir un aperçu de votre budget. Il n’est pas possible de fixer des objectifs financiers et d’épargne réalistes sans connaître l’état de vos liquidités et de la somme d’argent dont vous disposez.

Le meilleur moyen d’effectuer un suivi de vos dépenses est de vérifier vos tickets par rapport à vos relevés de comptes et de cartes bancaires tous les mois. Vous pouvez réaliser cet exercice de plusieurs manières. La plupart des banques, grâce à leurs services bancaires en ligne, vous permettent de télécharger vos transactions au format Excel. Vous avez également différentes applications à votre disposition pour effectuer le suivi de vos dépenses. En procédant ainsi, vous saurez non seulement où va votre argent, mais vous pourrez aussi vous assurer que le bon montant vous a été facturé pour vos achats et qu’aucune somme n’a été débitée pour des achats que vous n’avez pas effectués. Soyez notamment vigilant(e) aux :

  • débits provenant de sociétés que vous ne reconnaissez pas ;
  • débits inhabituels ou conséquents ;
  • modifications du montant des prélèvements réguliers ;
  • débits effectués deux fois.

Une fois que vous avez vérifié toutes vos dépenses, vous pouvez aussi regrouper les transactions en plusieurs catégories afin de vous aider à comprendre vos postes de dépenses. Ces catégories peuvent notamment inclure :

  • Logement
  • Services publics
  • Éducation
  • Véhicule
  • Assurances
  • Nourriture
  • Vêtements
  • Beauté
  • Sport
  • Vacances
  • Impôts

Lorsque vous avez recensé l'intégralité de vos dépenses, déduisez-les de vos revenus totaux. Le solde correspond à la somme que vous avez à disposition. Toute liquidité excédentaire pourrait servir à réduire vos dettes ou à commencer un plan d’épargne régulier. S'il s'avère que vous n’avez pas de liquidité excédentaire, mais un trou noir dans votre budget, identifiez les postes où vous dépensez trop et que vous pourriez réduire.

Un bon moyen de le faire est de distinguer vos besoins de vos envies.

Les besoins sont les aspects essentiels, à savoir les choses qui ne peuvent se passer de dépense, comme le logement, l’électricité et la nourriture. Les envies sont les choses discrétionnaires ou qui font plaisir, comme les vêtements, les sorties et les voyages.

Une autre stratégie intelligente consiste à « vous payer en premier ». Parvenez-vous à faire des économies tout au long de l’année ou dépendez-vous constamment de vos revenus mensuels pour payer les factures de cartes de crédit du mois précédent ? Commencez-vous par dépenser en espérant qu’il vous restera quelque chose à épargner ?

 Prenez l’habitude de vous payer en premier, c’est-à-dire de virer un pourcentage de vos revenus sur un compte bancaire difficile d’accès, du moins pour commencer. Il est judicieux de se créer un fonds de secours. Si vous êtes vraiment discipliné(e), vous pouvez automatiser le virement de cette somme sur un plan d’épargne. En mettant en place un prélèvement automatique toutes les semaines ou tous les mois (l’idéal étant de choisir la même fréquence que celle à laquelle vous recevez votre salaire), vous éliminez les tentations et établissez une discipline pour vivre en fonction de vos moyens tout en faisant des économies.

Une autre idée consiste à réfléchir à la manière dont vous gérez vos dettes. Passez régulièrement en revue les prêts au logement. Si vous avez un emprunt immobilier, il constituera probablement la plus forte part de vos dépenses mensuelles. Il est donc judicieux de le réviser au moins une fois par an. Comparez les taux d’intérêts en ligne. Si votre taux n’est plus compétitif, contactez votre créancier pour discuter des options disponibles et envisagez de changer d’organisme prêteur si le vôtre ne propose pas de taux compétitifs. Informez-vous de tous les frais de rachat et implications en cas de changement d’organisme de prêt.

La manière dont vous gérez vos dettes de cartes de crédit est également importante. Veillez à payer le solde de vos cartes de crédit à la date d’échéance et avant la fin de la période sans intérêt. Les dettes de cartes de crédit sont généralement sujettes à des taux d’intérêt extrêmement élevés et doivent donc être gérées avec soin.

Il est important de passer en revue les éléments de base et de comprendre votre position actuelle pour prendre le contrôle de vos finances. Ce n’est pas sorcier, mais cela demande de la patience, de la discipline et d’y consacrer du temps à intervalles réguliers !

Le contenu de cet article ne constitue aucunement des conseils financiers individuels.

Il punto di partenza è raccogliere più informazioni possibile sulle spese. Se risulta troppo difficile, fai una panoramica del bilancio iniziando con l’estratto conto bancario o con il resoconto della carta di credito. Non puoi impostare degli obiettivi finanziari e dei traguardi di risparmio realistici senza conoscere la tua liquidità e la quantità di denaro che hai a disposizione.

Il modo migliore per monitorare le spese è confrontare ogni mese le ricevute con l’estratto conto bancario o della carta di credito. Ci sono vari modi per farlo. La maggior parte delle banche, tramite il sistema di online banking, consente di scaricare in un file di excel le operazioni effettuate. Puoi anche accedere a varie app che consentono di monitorare le spese. In questo modo, non solo saprai dove va a finire il tuo denaro, ma potrai anche accertarti che ti sia stato addebitato l'importo giusto per gli articoli acquistati e che non ti sia stato addebitato niente che non hai comprato. Tieni gli occhi aperti e stai attento:

  • agli addebiti di aziende che non riconosci
  • agli addebiti ingenti o insoliti
  • al cambio in caso di addebiti periodici
  • agli addebiti doppi.

Una volta monitorate tutte le spese, puoi anche raggruppare le transazioni in varie categorie che ti aiutino a capire in che settori stai spendendo, tra cui:

  • Casa
  • Utenze
  • Istruzione
  • Auto
  • Assicurazioni
  • Cibo
  • Abbigliamento
  • Cosmetici
  • Attività sportive
  • Vacanze
  • Tasse

Una volta compresa la spesa totale, sottrai le uscite totali dal reddito totale. Ciò che resta è quello su cui devi lavorare. Eventuali ulteriori entrate potrebbero essere usate per ridurre i debiti o addirittura per avviare un regolare piano di risparmio. Se ti accorgi di non avere nessun ulteriore reddito e di avere un buco di bilancio, identifica i settori in cui spendi troppo e dove puoi fare dei tagli.

Un buon modo per farlo è distinguere ciò di cui si ha necessità da ciò che si desidera.

Ciò di cui si ha necessità sono gli articoli imprescindibili e necessari per i quali si spendono i soldi come la casa, l’elettricità e il cibo. Ciò che desideri sono articoli facoltativi o che sarebbe bello avere, come abiti, viaggi e divertimenti.

Un’altra strategia intelligente è “Prima di tutto metti via qualcosa per te”. Riesci a risparmiare qualcosa nel corso dell'anno o fai costantemente affidamento sul reddito mensile per pagare i conti della carta di credito del mese precedente? Prima di tutto pensi a spendere? E poi ti affidi a ciò che resta sperando di risparmiarlo?

 Prendi l’abitudine di mettere via qualcosa per te, spostando una percentuale del reddito in un conto corrente bancario di difficile accesso. Per iniziare, è una buona idea creare un fondo d'emergenza. Se sei molto disciplinato, puoi far confluire questo importo in un piano di risparmio regolare. Impostando un addebito diretto mensile o settimanale (l'ideale sarebbe con la stessa frequenza con cui ricevi lo stipendio) scacci via le tentazioni e ti imponi una disciplina per vivere in base alle tue entrate risparmiando denaro.

Un argomento su cui riflettere è il modo in cui gestisci i debiti. Esamina regolarmente eventuali mutui per la casa. Se hai un mutuo, è probabile che questo costituisca la tua spesa mensile più ingente, quindi è una buona idea controllare almeno una volta all’anno com’è strutturato. Vai su internet e confronta i tassi d’interesse. Se il tuo tasso non è più competitivo, chiama il tuo mutuante per discutere delle alternative e rifletti se sia il caso di cambiare organismo mutuante se il tuo non offre più tassi competitivi. Informati su eventuali implicazioni e tasse di uscita previste per far passare il mutuo ad un altro organismo mutuante.

Anche la gestione del debito della tua carta è importante. Accertati di saldare il debito delle tue carte entro la scadenza ed entro il periodo a interessi zero. Il debito della carta di credito prevede interessi molto alti e deve essere gestito attentamente.

Quando si tratta di risparmiare per il futuro è importante esaminare i fattori basilari e capire la posizione attuale. La questione è semplicissima, ma ci vuole un po’ di pazienza e bisogna dedicargli tempo e disciplina!

Per capire come creare un budget prova il nostro strumento:

Tragen Sie zunächst möglichst viele Informationen über Ihre Ausgaben zusammen. Wenn das zu schwierig ist, beginnen Sie mit einer Momentaufnahme Ihres Finanzstatus, indem Sie sich einen Kontoauszug oder eine Kreditkartenabrechnung vornehmen. Sie können sich keine realistischen Finanz- und Sparziele setzen, wenn Sie über Ihre Zahlungseingänge und -ausgänge und Ihre aktuell verfügbaren Geldmittel nicht Bescheid wissen.

Die beste Methode, um Ihre Ausgaben im Blick zu behalten, ist ein monatlicher Abgleich Ihrer Quittungen und Kassenbelege mit Ihren Kontoauszügen und Kreditkartenabrechnungen. In der Praxis gibt es dafür mehrere Möglichkeiten. Bei den meisten Banken können Sie Ihre Transaktionen über die Online-Banking-Funktion als Excel-Datei herunterladen. Es gibt auch verschiedene Apps, mit denen Sie Ihre Ausgaben verfolgen können. So verschaffen Sie sich nicht nur einen Überblick, wofür Sie Ihr Geld ausgeben, Sie können sich auch vergewissern, dass Ihnen die korrekten Beträge berechnet wurden bzw. dass Sie nicht etwas bezahlt haben, das Sie nicht gekauft haben. Achten Sie auf:

  • Abbuchungen von Firmen, die Ihnen nicht bekannt sind
  • Hohe oder ungewöhnliche Abbuchungen
  • Änderungen der Beträge bei regelmäßigen Abbuchungen
  • Doppelbuchungen

Wenn Sie Ihre Ausgaben vollständig erfasst haben, können Sie sie in verschiedene Kategorien einteilen, um zu verstehen, wie viel Sie in welchen Bereichen ausgeben. Diese Kategorien können zum Beispiel sein:

  • Wohnen
  • Nebenkosten
  • Bildung
  • Kraftfahrzeug
  • Versicherungen
  • Lebensmittel
  • Kleidung
  • Schönheitspflege
  • Fitness
  • Urlaub
  • Steuern

Wenn Sie wissen, wie hoch Ihre Gesamtausgaben sind, ziehen Sie diese von Ihren Gesamteinnahmen ab. Mit dem Betrag, der nun übrig bleibt, können Sie arbeiten. Sie können mit diesem Überschuss Ihre Schulden verringern oder ihn als Startkapital für einen Sparplan einsetzen. Sollten Sie zu dem Ergebnis kommen, dass Sie statt eines Einnahmenüberschusses ein Haushaltsloch haben, ermitteln Sie die Bereiche, in denen Sie zu viel ausgeben und in denen Sie sich einschränken können.

Ein sinnvoller Ansatz ist hier, zwischen Bedürfnissen und Wünschen zu unterscheiden. 

Unter Bedürfnisse fällt alles, was Sie unbedingt brauchen, zum Beispiel ein Dach über dem Kopf, Strom und Lebensmittel. Wünsche sind sogenannte „Nice-to-Haves“, also Dinge, die Sie gerne hätten, aber nicht unbedingt brauchen, wie zum Beispiel modische Kleidung, Unterhaltung oder Reisen.

„Sich zuerst selbst bezahlen“, ist eine weitere empfehlenswerte Strategie. Gelingt es Ihnen, während des Jahres etwas auf die hohe Kante zu legen, oder geben Sie Ihr aktuelles Einkommen immer gleich wieder aus, um die Kreditkartenrechnungen aus dem letzten Monat zu bezahlen? Geben Sie zuerst aus? Und verlassen sich dann darauf, dass von dem Rest etwas übrig bleibt, das Sie sparen können?

 Gewöhnen Sie sich an, sich zuerst selbst zu bezahlen. Damit ist gemeint, dass Sie einen gewissen Anteil Ihres Einkommens auf ein Bankkonto einzahlen, auf das Sie – zumindest für den Anfang – nur schwer zugreifen können. So können Sie eine Rücklage für Notfälle aufbauen. Wenn Sie über die nötige Selbstdisziplin verfügen, können Sie diesen Betrag auch in einen normalen Sparplan einzahlen. Wenn Sie einen wöchentlichen oder monatlichen Dauerauftrag einrichten – idealerweise zu dem Zeitpunkt und mit derselben Regelmäßigkeit, mit der Sie Ihr Gehalt beziehen – entziehen Sie sich jeglicher Versuchung und gewöhnen sich an, mit dem auszukommen, was Sie haben, und gleichzeitig zu sparen.

Die Handhabung Ihrer Schulden ist ebenfalls eine Überlegung wert. Überprüfen Sie regelmäßig Ihre Hypothek, falls Sie eine haben. Wenn Sie einen Bau- oder Wohnkredit zurückzahlen müssen, ist dies wahrscheinlich Ihr größter monatlicher Posten. Daher lohnt es sich, die Einzelheiten der Finanzierung mindestens einmal im Jahr zu überprüfen. Vergleichen Sie im Internet die marktüblichen Zinssätze. Falls Ihr Zinssatz im Marktvergleich über den aktuellen Angeboten liegt, setzen Sie sich mit Ihrem Kreditinstitut in Verbindung, um Alternativen zu besprechen. Wird Ihnen kein wettbewerbsfähiger Zinssatz angeboten, sollten Sie eine Umschuldung in Erwägung ziehen. Achten Sie bei einem Wechsel Ihres Kreditgebers auf etwaige Rücknahmegebühren oder sonstige Auswirkungen einer Refinanzierung. 

Wie Sie mit Kreditkartenforderungen umgehen, ist ebenfalls von Bedeutung. Bezahlen Sie Ihre Kreditkartenrechnungen unbedingt bis zum Fälligkeitsdatum und innerhalb des Zeitraums, in dem keine Zinsen anfallen. Kreditkartenschulden gehen mit sehr hohen Zinssätzen einher und sollten mit Umsicht gehandhabt werden.

Für ein erfolgreiches Management Ihrer Finanzen ist es wichtig, sich die Grundlagen vor Augen zu führen und eine Bestandsaufnahme Ihrer aktuellen finanziellen Lage vorzunehmen. Es ist keine Hexerei, aber es erfordert Geduld, regelmäßige Aufmerksamkeit und etwas Disziplin! 

Der Inhalt dieses Artikels stellt keine individuelle Finanzberatung dar.

 Başlangıç noktası olarak banka hesap özetinizi ve kredi kartı özetinizi inceleyip mevcut durumunuzu analiz edebilirsiniz Bu analizi yapmadan gerçekçi finansal hedefler koymanız mümkün değildir.

 Bankanızın size sunabileceği teknolojik çözümlerle finansal analizinizi kolayca yapabilirsiniz. Bu analiz sayesinde sadece ne kadar para harcadığınızı değil, hangi başlıklar altında harcama yaptığınızı, bir önceki aya göre kıyasını inceleyebileceğiniz gibi size ait olmayan harcamaları da fark edebilirsiniz. Analizinizi yaparken bu hususlara dikkat etmenizde fayda var:

  • Size tanıdık gelmeyen harcamalar
  • Yüksek tutarlı veya standartların dışındaki harcamalar Düzenli taksitlerinizdeki değişiklikler Aynı ürün veya hizmete dair birden fazla işlem yapılması Tüm harcamalarınızı inceledikten sonra onları gruplandırabilirsiniz. Kategorilere örnek olarakEv ile ilgili sabit giderler
  • Sabit faturalarEğitim
  • Araba ve/veya Ulaşım Sigorta
  • Gıda Giyim Bakım

Spor Tatil VergiHarcamalarınızı analiz ettikten sonra giderinizi gelirinizden düşün, geriye kalan tutar nedir?. Üzerinde çalışmamız gereken bu konudur. Geriye kalan rakamı uzun vadeli borçlarınızı azaltmak veya bir Yatırım planına başlamak için kullanabilirsiniz. Eğer gideriniz gelirinizden fazlaysa, yani gelirinizden fazlasını harcadıysanız hangi alanlarda kısıntıya gidebileceğinizi belirlemelisiniz.

 Bunu yapmanın en iyi yolu ihtiyaçlarınızı ve isteklerinizi ayrı ayrı belirlemektir. 

İhtiyaçlar kategorisi ev ile ilgili giderler, gıda, faturalar gibi zorunlu harcamalardan oluşmaktadır. İstekler kategorisi ise giyim, eğlence, seyahat, “olsa ne iyi olur” diyebileceğiniz kalemlerden oluşmaktadır.

Bir diğer akıllı strateji de harcamalarda nakit kullanmaktır. Yıl boyunca kazancınız bir önceki ayın kredi kartı ödemesini karşılıyorsa yani önce harcayıp sonra kazanıyorsanız ve sadece artan bir tutar olması durumunda yatırım yapıyorsanız bu alışkanlığınızı gözden geçirmeniz gerekir.

 Bu sistemi tersine çevirerek kazancınızın bir kısmını harcama yapmadan önce bir kenara ayırın. Ayırdığınız tutarı acil durum fonu gibi düşünebilirsiniz ve disiplinle bu stratejiyi takip ederseniz bu rakamı düzenli bir tasarruf planına yönlendirebilirsiniz.

 Düşünülmesi gereken diğer konu ise uzun vadeli borçlarınızı nasıl yönettiğinizdir. Örneğin; ev krediniz varsa kredi oranlarını periyodik olarak gözden geçirin, faizlerde bir düşüş meydana geldiğinde bankanızla iletişime geçip kredi faizinizin revize edilmesini talep edebilirsiniz. Ancak bu işlemi gerçekleştirirken herhangi bir ceza veya ilave masraf olmadığından emin olun. 

 Kredi kartı borçlarınızı nasıl yönettiğiniz de çok büyük önem arz etmektedir. Son ödeme tarihine dikkat ederek, borcunuza faiz işletilmediğin emin olun.

“Finansal Refah” söz konusu olduğunda mevcut durumunuzun analizini yapmak çok büyük önem teşkil etmektedir. Bu hesaplamalar karmaşık matematiksel formüller gerektirmemekte; biraz sabır, zaman ve disiplinle halledilebilir.

著手點在於盡可能地收集所有的支出明細。若這部分對您來說太困難，您可以嘗試從從存摺或信用卡對帳單開始編制預算。若不了解每月的現金流量及手上持有的現金量，想建立符合您自身的財務目標和儲蓄目標將會非常困難。

追蹤支出的最好方法就是每個月檢視銀行的帳戶明細與信用卡對帳單。有幾種方法可以來進行練習 – 藉由銀行的系統 (如: 網路銀行等) 將交易明細下載到Excel上。您也可以藉由其他財務、記帳App來紀錄您的花費。如此一來，您不僅可以知道錢往哪裡去，還可以核對信用卡明細中您是否支付了正確的金額，且沒有被收取其他未購買的商品的費用。這部分您需要特別留意的是：

  • 不明的公司所收取的費用
  • 大額/異常費用
  • 分期費用突然改變
  • 重複收費

追蹤完所有支出之後，您還可以將支出依類型分類，幫助您了解您最常花費的領域。這些類型可以包括：

  • 住房
  • 日常用品
  • 教育
  • 汽/機車
  • 保險
  • 食物/食品
  • 衣服
  • 美妝用品
  • 健身
  • 休閒娛樂
  • 稅

在您明白您的總支出後，把總收入扣除總支出，剩下的就是您需要處理的部分了。任何盈餘的部分都可用來減少/降低您的債務，甚至可拿來定存。如果您發現預算赤字或沒有任何盈餘，您可以從超支的部分或可以降低花費的領域來著手。

要做好這一點的最好辦法就是分辨「慾望」與「需求」。

「需求」是不可或缺的項目/物品，如：房屋、電費和食物等必需品。「慾望」是可有可無的項目/物品或您想要的東西，如：服裝、娛樂和旅行。

另一個思考點就是“你習慣先花錢嗎?〞。您是否可以一整年節省花費並把錢存下來；還是一直用每月的收入來還上個月的信用卡賬單？你會習慣先花錢嗎？然後帳戶有餘的話再存起來？

當您養成「先花錢」的習慣，就好像將您的部分收入，丟到一個只去不回的銀行帳戶。建立緊急預備金會是一個好主意。如果您是有紀律的人，可以將這筆款項用在定期儲蓄計劃。每週或每月設定自動扣款（扣款日最好跟您的發薪日相同），您可以降低誘惑、慾望，並養成存錢的好習慣。

如果您有設定抵押貸款，這可能是您每月最大的支出，因此最好每年至少檢查一次貸款的結構，上網比較利率。如果您的利率不再具有競爭力，您可以與銀行聯繫，討論或選擇方案，或考慮更換銀行，但必須要注意的是貸款解約之相關費用。

如何管理信用卡帳務也很重要。建議您確保在付款到期日前或零息期內還清帳務。卡費未能如期繳清，對個人之債務與信用來講影響是很大的，因此應謹慎管理。

檢視您的基本知識並了解您目前的財務狀態非常重要。這不是多艱深的科學，但需要一些耐心，需要您花時間養成好紀律與好習慣。

參考我們的建議工具：

The content of this article does not constitute individual financial advice.

The starting point is gathering up as much information around your spending as possible, if it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your debts or even kick start a regular savings plan. If you discover you don’t have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with, it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

Go to https://sorted.org.nz/ for help and support and wide range of helpful articles and toolsThe content of this article does not constitute individual financial advice. Aon can’t provide personalised investment advice or make personalised recommendations – we therefore suggest that you speak to an authorised financial adviser if you want to understand any of these concepts in the context of your personal situation.

The starting point is gathering up as much information around your spending as possible, If it’s too hard, take a budget snapshot starting with your bank account statement or credit card statement. You really can’t set realistic financial goals and savings targets without knowing how your cashflow looks like and how much money you have at your disposal.

The best way to keep track of your spending is to review your receipts against your bank account and credit card statements each month. There are several ways to undertake this exercise. Most banks, via their internet banking facilities, enable you to download your transaction activity onto excel. You can also access several apps that track your spending. In doing so, not only will you know where your money is going however you can make sure you’ve been charged the right amount for the items you’ve purchased, and that you haven’t been charged for anything you didn’t buy. Keep an eye out for:

  • Charges from companies you do not recognise
  • Large or unusual charges
  • Changes in regular debit amounts
  • Duplicate charges.

After you have tracked down all your spending you can also group the transactions into several categories to assist you in understanding what areas you are spending in. These categories can include:

  • Housing
  • Utilities
  • Education
  • Motor Vehicle
  • Insurances
  • Food
  • Clothes
  • Beauty
  • Fitness
  • Holidays
  • Tax

Once you understand your total spending, deduct your total expenses from total income. Whatever is left is what you have to work with. Any surplus cashflow could be used to reduce your debts or even kick start a regular savings plan. If you discover you don’t have any surplus income and have a budget black hole; identify areas where you are overspending and can cut back on.

A good way to do this is identifying your needs versus your wants. 

Needs are the must have items, that is the necessary things you spend your money on such as housing, electricity and food. Wants are the discretionary items or your “nice to haves”; clothing, entertainment and travel.

Another smart strategy is to “Pay Yourself First”. Do you manage to save anything throughout the year or are you are constantly relying on this month’s income to pay last month’s credit card bills? Do you spend first? Then rely on what’s left over and hope to save it?

 Get in the habit of paying yourself first, that is directing a percentage of your income to a hard to access bank account, at least to begin with.it is a good idea to build up an emergency fund. If you are really disciplined, you can direct this amount to a regular savings plan. Setting up a weekly or monthly direct debit (ideally matching the frequency of when you are paid your salary) you will remove temptation and set up the discipline to live within your means and save some money.

Another area to think about is how you are managing your debt. Review any home loans regularly. If you have a mortgage this is likely to be your biggest monthly expense so it’s a good idea to check how it is structured at least once a year. Go online and compare interest rates. If your rate is no longer competitive ring your lender to discuss the options and consider switching loan providers if your existing provider doesn’t offer competitive rates. Be aware of any exit fees and implications of shifting your loan from one provider the next. 

How you manage your credit card debt is also important. Make sure you pay your credit cards off by the due date and within the interest free period. Credit card debt attracts extremely high interest and should be managed carefully.

Reviewing the basics and understanding your current position is important when it comes to getting ahead of your finances. It’s not rocket science, but it takes some patience, allocating a regular time slot and some discipline! 

Disclaimer: The information is brought to you by Aon Vietnam Limited with its Establishment and Operation License No. 26/GP-KDBH . Aon Vietnam Limited is a licensed insurance broker regulated by the Ministry of Finance in Vietnam. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information

Vấn đề đầu tiên là thu thập càng nhiều thông tin xung quanh chi tiêu của bạn càng tốt, Nếu quá khó, hãy chụp nhanh ngân sách bắt đầu bằng bảng sao kê tài khoản ngân hàng hoặc bảng sao kê thẻ tín dụng. Bạn thực sự có thể đặt ra các mục tiêu tài chính và tiết kiệm thực tế mà không cần biết dòng tiền của bạn trông như thế nào và bạn có bao nhiêu tiền theo ý của bạn.

Cách tốt nhất để theo dõi chi tiêu của bạn là xem xét các khoản thu của bạn so với sao kê tài khoản ngân hàng và thẻ tín dụng mỗi tháng. Có một số cách để thực hiện bài tập này. Hầu hết các ngân hàng, thông qua các cơ sở ngân hàng internet của họ, cho phép bạn tải xuống hoạt động giao dịch của mình trên excel. Bạn cũng có thể truy cập một số ứng dụng theo dõi chi tiêu của bạn. Khi làm như vậy, bạn không chỉ biết tiền của mình sẽ đi đâu mà còn có thể chắc chắn rằng bạn đã được tính đúng số tiền cho các mặt hàng bạn đã mua và bạn chưa bị tính phí cho bất cứ thứ gì bạn không mua. Giữ mắt tránh xa:

  • Phí từ các công ty bạn không nhận ra
  • Phí lớn hoặc bất thường
  • Thay đổi số tiền ghi nợ thông thường
  • Phí trùng lặp.

Sau khi bạn đã theo dõi tất cả chi tiêu của mình, bạn cũng có thể nhóm các giao dịch thành nhiều danh mục để giúp bạn hiểu được những lĩnh vực bạn đang chi tiêu. Những danh mục này có thể bao gồm:

  • Nhà ở
  • Tiện dụng
  • Giáo dục
  • Xe
  • Bảo hiểm
  • Thức ăn
  • Quần áo
  • Làm đẹp
  • Thể thao
  • Kỳ nghỉ
  • Thuế

Khi bạn hiểu tổng chi tiêu của mình, hãy khấu trừ tổng chi phí của bạn vào tổng thu nhập. Những gì còn lại là những gì bạn phải làm việc cùng. Bất kỳ dòng tiền dư nào cũng có thể được sử dụng để giảm các khoản nợ của bạn hoặc thậm chí khởi động một kế hoạch tiết kiệm thông thường. Nếu bạn phát hiện ra bạn không có thu nhập thặng dư và có lỗ đen ngân sách; xác định các phần mà bạn đang bội chi và có thể cắt giảm.

Một cách tốt để làm điều này là xác định nhu cầu của bạn so với mong muốn của bạn.

Nhu cầu là những thứ bắt buộc phải có, đó là những thứ cần thiết bạn tiêu tiền của mình vào như nhà ở, điện và thực phẩm. Muốn là những món đồ tùy ý hoặc những món đồ đẹp của bạn để làm đẹp quần áo, giải trí và du lịch.

Một chiến lược thông minh khác là để trả tiền cho bản thân bạn trước tiên. Bạn có quản lý để tiết kiệm bất cứ điều gì trong suốt cả năm hay bạn liên tục dựa vào thu nhập của tháng này để thanh toán hóa đơn thẻ tín dụng tháng trước? Bạn có chi tiêu đầu tiên? Sau đó dựa vào những gì còn sót lại và hy vọng sẽ cứu nó?

Tập thói quen tự trả tiền trước, đó là hướng phần trăm thu nhập của bạn vào một tài khoản ngân hàng khó truy cập, ít nhất là để bắt đầu. Đó là một ý tưởng tốt để xây dựng quỹ khẩn cấp. Nếu bạn thực sự có kỷ luật, bạn có thể chuyển số tiền này vào một kế hoạch tiết kiệm thông thường. Thiết lập một khoản ghi nợ trực tiếp hàng tuần hoặc hàng tháng (lý tưởng phù hợp với tần suất khi bạn được trả lương), bạn sẽ loại bỏ cám dỗ và thiết lập kỷ luật để sống trong khả năng của mình và tiết kiệm một số tiền.

Một lĩnh vực khác để suy nghĩ là cách bạn đang quản lý nợ của bạn. Xem xét bất kỳ khoản vay mua nhà thường xuyên. Nếu bạn có một khoản thế chấp, đây có thể là chi phí hàng tháng lớn nhất của bạn, vì vậy, đó là một ý tưởng tốt để kiểm tra cách nó được cấu trúc ít nhất một lần một năm. Lên mạng và so sánh lãi suất. Nếu tỷ lệ của bạn không còn cạnh tranh nữa, người cho vay của bạn sẽ thảo luận về các lựa chọn và xem xét chuyển đổi nhà cung cấp khoản vay nếu nhà cung cấp hiện tại của bạn không cung cấp mức giá cạnh tranh. Hãy nhận biết bất kỳ phí thoát nào và tác động của việc chuyển khoản vay của bạn từ một nhà cung cấp tiếp theo.

Cách bạn quản lý nợ thẻ tín dụng cũng rất quan trọng. Hãy chắc chắn rằng bạn trả hết thẻ tín dụng trước ngày đáo hạn và trong thời gian miễn lãi. Nợ thẻ tín dụng thu hút lãi rất cao và cần được quản lý cẩn thận.

Xem lại những điều cơ bản và hiểu vị trí hiện tại của bạn là rất quan trọng khi nói đến việc đi trước tài chính của bạn. Nó không phải là khoa học tên lửa, nhưng cần một chút kiên nhẫn, phân bổ một khoảng thời gian thường xuyên và một số kỷ luật!

Để tìm hiểu cách tạo ngân sách, hãy thử công cụ của chúng tôi: (Tạo công cụ ngân sách có thể tải xuống)

Tuyên bố miễn trừ trách nhiệm: Thông tin này được cung cấp bởi Công ty TNHH Aon Việt Nam với Giấy phép Thành lập và Hoạt động số 26/ GP-KDBH. Công ty TNHH Aon Việt Nam là công ty môi giới bảo hiểm được cấp giấy phép dưới sự quản lý của Bộ Tài chính tại Việt Nam. Các thông tin này không tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bất kỳ đối tượng cụ thể nào nhận được tài liệu này. Theo đó, bạn không nên dựa vào hoặc coi tài liệu này như một phương thức thay thế cho sự tư vấn riêng biệt liên quan đến các tình huống cụ thể. Vui lòng tìm kiếm sự tư vấn từ chuyên gia cố vấn tài chính về sự phù hợp của bất kỳ sản phẩm đầu tư nào có tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bạn trước khi bạn cam kết mua sản phẩm đầu tư. Bạn cũng nên có được sự tư vấn chuyên biệt khác khi cần thiết. Thông tin này được cung cấp dựa trên sự trung thực và được cho là chính xác vào thời điểm biên soạn. Chúng tôi không có nghĩa vụ phải cập nhật các tài liệu hoặc sửa chữa bất kỳ thông tin không chính xác nào là những thông tin được làm rõ sau này. Bạn luôn cần phải tham khảo các nguồn thông tin chính hoặc các thông tin chính xác hơn hoặc cập nhật hơn.

เริ่มต้นด้วยการรวบรวมข้อมูลการใช้จ่ายของคุณให้มากที่สุดเท่าที่จะทำได้ ถ้ายากเกินไป ให้เริ่มต้นเก็บข้อมูลจากใบแจ้งยอดบัญชีธนาคารหรือใบแจ้งยอดบัตรเครดิต คุณจะไม่สามารถกำหนดเป้าหมายทางการเงินและเป้าหมายการออมตามจริงได้เลยถ้าไม่รู้ว่ากระแสเงินสดของคุณเป็นอย่างไรและคุณมีเงินอยู่เท่าไรไว้ใช้จ่าย

วิธีที่ดีที่สุดในการติดตามการใช้จ่ายของคุณคือการตรวจสอบใบเสร็จรับเงินของคุณกับบัญชีธนาคารและใบแจ้งยอดบัตรเครดิตในแต่ละเดือน มีหลายวิธีในการปฏิบัติตามขั้นตอนนี้ ธนาคารส่วนใหญ่มีบริการธนาคารผ่านอินเทอร์เน็ต ซึ่งช่วยให้คุณสามารถดาวน์โหลดรายการธุรกรรมของคุณไปยัง Excel ได้ และคุณยังสามารถเข้าถึงแอปพลิเคชันต่างๆ เพื่อติดตามการใช้จ่ายของคุณได้อีกด้วย ในการนั้น ไม่เพียงแต่คุณจะรู้ว่าเงินของคุณใช้ไปกับอะไร แต่คุณสามารถตรวจสอบให้แน่ใจด้วยว่าคุณถูกเรียกเก็บเงินในจำนวนที่ถูกต้องสำหรับแต่ละรายการที่คุณใช้จ่าย และคุณไม่ได้ถูกเรียกเก็บเงินสำหรับสิ่งที่คุณไม่ได้ซื้อ คอยสังเกตหา

  • ค่าใช้จ่ายจากบริษัทที่คุณไม่รู้จัก
  • ค่าใช้จ่ายที่สูงหรือผิดปกติ
  • การเปลี่ยนแปลงของจำนวนเงินที่หักบัญชีตามปกติ
  • ค่าใช้จ่ายซ้ำ

หลังจากที่คุณได้ติดตามการใช้จ่ายทั้งหมดของคุณแล้ว คุณยังสามารถจัดกลุ่มรายการธุรกรรมเป็นหมวดหมู่เพื่อช่วยให้คุณทำความเข้าใจว่าคุณใช้จ่ายด้านใดบ้าง หมวดหมู่เหล่านี้อาจประกอบด้วย

  • การเคหะ
  • สาธารณูปโภค
  • การศึกษา
  • ยานยนต์
  • ประกันภัย
  • อาหาร
  • เครื่องแต่งกาย
  • ความสวยงาม
  • สุขภาพร่างกาย
  • วันหยุด
  • ภาษี

เมื่อคุณเข้าใจการใช้จ่ายทั้งหมดของคุณแล้ว ให้หักค่าใช้จ่ายทั้งหมดออกจากรายได้รวม จำนวนที่เหลืออยู่คือเงินที่คุณต้องจัดการ สามารถนำกระแสเงินสดที่เหลือหลังหักรายจ่ายแล้วมาใช้เพื่อลดหนี้ของคุณหรือแม้กระทั่งการเริ่มต้นแผนออมทรัพย์แบบประจำ หากคุณพบว่าคุณไม่มีรายรับเหลือและมีรายจ่ายบางอย่างที่สูงมาก ให้ระบุรายการที่คุณใช้จ่ายเกินจริงและสามารถตัดลดได้

วิธีที่ดีอย่างหนึ่งเพื่อการนี้คือ การระบุสิ่งที่จำเป็นสำหรับคุณ เทียบกับสิ่งที่คุณต้องการ

ความจำเป็นคือสิ่งที่ต้องมี คือสิ่งจำเป็นที่คุณใช้เงินซื้อหา เช่น ที่อยู่อาศัย ไฟฟ้า และอาหาร ส่วนความต้องการคือรายการที่ใช้การตัดสินใจหรือสิ่งที่ "มีก็ดี” ของคุณ เช่น เสื้อผ้า ความบันเทิง และการเดินทาง

อีกกลยุทธ์ที่ชาญฉลาดคือ “จ่ายให้ตัวเองก่อน” ตลอดทั้งปีคุณสามารถเก็บออมอะไรได้บ้างหรือไม่ หรือคุณเอาแต่พึ่งพารายได้ของเดือนนี้เพื่อชำระใบแจ้งหนี้บัตรเครดิตของเดือนที่แล้ว คุณใช้จ่ายก่อนหรือเปล่า แล้วหวังพึ่งส่วนที่เหลือและหวังว่าจะเก็บออมไว้ได้ใช่ไหม

สร้างนิสัยการใช้จ่ายให้ตัวเองก่อน โดยนำรายได้ของคุณตามเปอร์เซ็นต์ที่ต้องการตรงไปเข้าบัญชีธนาคารที่เข้าถึงได้ยาก ก่อนอื่น อย่างน้อยก็เป็นความคิดที่ดีที่จะตั้งกองทุนเผื่อกรณีฉุกเฉิน หากคุณมีวินัยจริงๆ คุณสามารถนำเงินจำนวนนี้ไปลงในแผนออมทรัพย์แบบประจำได้ การตั้งค่าการหักบัญชีธนาคารรายสัปดาห์หรือรายเดือน (จะดีมากถ้าตรงกับรอบความถี่ของเวลาที่คุณได้รับเงินเดือน) จะช่วยให้คุณหักห้ามตัวเองจากสิ่งล่อใจและสร้างวินัยให้อยู่ภายในงบของคุณและอดออมเงินบางส่วน

สิ่งที่ควรพิจารณาอีกประการหนึ่งคือวิธีการจัดการหนี้สินของคุณ ตรวจสอบสินเชื่อบ้านอย่างสม่ำเสมอ หากคุณมีการจำนอง นี่น่าจะเป็นค่าใช้จ่ายรายเดือนก้อนใหญ่ที่สุดของคุณ จึงเป็นความคิดที่ดีที่จะตรวจสอบโครงสร้างหนี้อย่างน้อยปีละครั้ง เข้าอินเทอร์เน็ตแล้วเปรียบเทียบอัตราดอกเบี้ย หากอัตราดอกเบี้ยที่คุณได้รับไม่อยู่ในระดับที่ดีแล้ว ลองติดต่อผู้ให้กู้ของคุณเพื่อหารือเกี่ยวกับตัวเลือกและพิจารณาเปลี่ยนผู้ให้บริการสินเชื่อหากผู้ให้บริการปัจจุบันของคุณไม่ได้เสนออัตราที่ดีเมื่อเทียบกับรายอื่น อย่าลืมตระหนักถึงค่าธรรมเนียมการเลิกผ่อนกับผู้ให้บริการเดิมและสิ่งที่เกี่ยวข้องกับการย้ายสินเชื่อของคุณไปยังผู้ให้บริการรายใหม่

วิธีจัดการหนี้บัตรเครดิตของคุณก็สำคัญเช่นกัน ดูแลให้แน่ใจว่าคุณชำระบัตรเครดิตตามกำหนดเวลาและภายในระยะเวลาที่ปลอดดอกเบี้ย หนี้บัตรเครดิตมีดอกเบี้ยสูงมากและควรจัดการอย่างระมัดระวัง

การทบทวนข้อมูลเบื้องต้นและทำความเข้าใจกับสถานะปัจจุบันของคุณเป็นสิ่งสำคัญสำหรับความรู้เท่าทันการเงินของคุณ การจัดการด้านการเงินไม่ได้รวดเร็วดั่งจรวด แต่ต้องใช้ความอดทน จัดสรรช่วงเวลาให้ดีและมีวินัย!

ลองใช้เครื่องมือของเราเพื่อหาวิธีสร้างเงินออม:

Startpunkten är att samla så mycket information om dina utgifter som möjligt. Om detta är för svårt kan du skapa en ögonblicksbild av din budget med utgångspunkt från ditt bankkonto- eller kreditkortsutdrag. Du kan egentligen inte sätta upp realistiska ekonomiska mål och besparingsmål utan att veta hur ditt kassaflöde ser ut och hur mycket pengar du har till ditt förfogande.

Det bästa sättet att hålla koll på utgifterna är att jämföra dina kvitton mot ditt bankkonto- och kreditkortsutdrag varje månad. Du kan göra detta på flera sätt. De flesta banker låter dig exportera dina transaktioner till Excel via internetbankfunktionerna. Du kan också använda flera olika appar som håller koll på utgifterna. På så sätt får du inte bara veta vart pengarna går utan du kan också kontrollera att du har debiterats rätt belopp för dina inköp och att du inte har debiterats för något som du inte har köpt. Håll utkik efter

  • debiteringar från företag du inte känner igen
  • stora eller ovanliga debiteringar
  • förändringar av regelbundna debiteringsbelopp

När du har fått överblick över alla utgifter kan du också gruppera transaktionerna i olika kategorier för att bättre förstå vad du lägger pengarna på. Exempel på sådana kategorier är:

  • Boende
  • Verktyg
  • Utbildning
  • Motorfordon
  • Försäkringar
  • Mat
  • Kläder
  • Skönhet
  • Träning
  • Semester
  • Skatt

När du har överblick över dina totala utgifter drar du av dem från den totala inkomsten. Det som är kvar är vad du har att arbeta med. Överskottskassaflöden kan användas för att minska skulder eller som startbelopp för ett regelbundet sparande. Om du upptäcker att du inte har någon överskottsinkomst och har ett svart hål i budgeten bör du identifiera områden där du spenderar för mycket och kan skära ned på utgifterna.

Ett bra sätt att göra det är att identifiera behov kontra önskningar. 

Behov är måsten, det vill säga nödvändiga saker du lägger pengar på, till exempel boende, elektricitet och mat. Önskningar är saker som är ”trevliga att ha”, till exempel kläder, underhållning och resor.

En annan smart strategi är att ”betala dig själv först”. Lyckades du spara något under året eller förlitar du dig ständigt på den här månadens inkomst för att betala förra månadens kreditkortsfakturor? Spenderar du först? Och förlitar dig sedan på vad som blir över i hopp om att spara det?

 Skaffa vanan att betala dig själv först, det vill säga avsätt en andel av din inkomst på ett svåråtkomligt bankkonto, åtminstone till att börja med. Det är en bra idé att bygga upp en buffert för nödsituationer. Om du är riktigt disciplinerad kan du avsätta det här beloppet till en regelbunden besparingsplan. Genom att skapa en direktdebitering som sker veckovis eller månadsvis (och helst motsvarar frekvensen för dina löneutbetalningar) blir du av med frestelsen, skapar disciplin för att leva inom dina tillgångar och sparar en del pengar.

Ett annat område att tänka på är hur du hanterar skulder. Granska alla bolån regelbundet. Om du har ett bolån är det troligen din största månatliga utgift, så det är en bra idé att minst en gång om året kontrollera hur det är strukturerat. Jämför räntesatser på nätet. Om din räntesats inte längre är konkurrenskraftig kan du kontakta långivaren för att diskutera frågan. Överväg att byta långivare om den befintliga långivaren inte erbjuder konkurrenskraftiga räntesatser. Var uppmärksam på eventuella utträdesavgifter och följder av att flytta ditt lån från en långivare till en annan. 

Det är också viktigt hur du hanterar din kreditkortsskuld. Se till att du betalar dina kreditkort innan förfallodagen och inom den räntefria perioden. Kreditkortsskulder innebär mycket höga räntor och bör hanteras försiktigt.

Det är viktigt att gå igenom grunderna och förstå din aktuella position när det handlar om att ta kontroll över ekonomin. Man behöver inte vara ett geni, men det krävs en del tålamod och viss disciplin samt att du regelbundet avsätter tid. 

Prova vårt verktyg för att komma fram till hur du skapar en budget: ( Create downloadable budget tool )

Innehållet i den här artikeln ska inte betraktas som personlig ekonomisk rådgivning.

Titik awalnya adalah mengumpulkan sebanyak mungkin informasi seputar pengeluaran Anda. Jika terlalu sulit, ambil potret anggaran dimulai dengan laporan rekening bank atau laporan kartu kredit Anda. Anda benar-benar tidak dapat menetapkan tujuan keuangan yang realistis dan target tabungan tanpa mengetahui bagaimana arus kas Anda dan berapa banyak uang yang Anda miliki.

Cara terbaik untuk melacak pengeluaran Anda adalah dengan meninjau kuitansi Anda terhadap laporan rekening bank dan kartu kredit Anda setiap bulan. Ada beberapa cara untuk melakukan latihan ini. Sebagian besar bank, melalui fasilitas internet banking mereka, memberi Anda fasilitas untuk mengunduh aktivitas transaksi Anda ke bentuk excel. Anda juga dapat menggunakan beberapa aplikasi yang melacak pengeluaran Anda. Dengan melakukan itu, Anda tidak hanya akan tahu ke mana uang Anda pergi tetapi Anda dapat memastikan bahwa jumlah yang ditagihkan untuk barang-barang yang Anda beli sudah tepat, dan bahwa Anda tidak ditagih untuk apa pun yang tidak Anda beli. Perhatikan:

  • Tagihan dari perusahaan yang tidak Anda kenal
  • Transaksi perbankan yang tidak Anda kenal
  • Tagihan besar atau tidak biasa
  • Perubahan jumlah debit reguler
  • Tagihan rangkap

Setelah melacak semua pengeluaran, Anda juga dapat mengelompokkan transaksi ke dalam beberapa kategori untuk membantu Anda memahami area pengeluaran. Kategori-kategori ini termasuk:

  • Tempat tinggal
  • Utilitas
  • Pendidikan
  • Kendaraan Bermotor
  • Transportasi
  • Asuransi dan Program Jaminan Sosial Nasional (BPJS)
  • Makanan
  • Pakaian
  • Kecantikan
  • Kebugaran
  • Liburan
  • Hadiah/Donasi
  • Penitipan Anak/Orangtua
  • Orang tua
  • Uang Saku Anak-anak
  • Pajak
  • Tabungan/investasi

Setelah Anda memahami total pengeluaran Anda, kurangi total pengeluaran Anda dari total pendapatan. Berapa pun yang tersisa adalah jumlah yang harus Anda kelola. Setiap kelebihan arus kas dapat digunakan untuk mengurangi utang atau bahkan memulai rencana tabungan reguler. Jika Anda tidak memiliki kelebihan pendapatan dan ada kebocoran anggaran; identifikasi area di mana Anda melakukan pengeluaran berlebihan dan dapat menguranginya.

Cara yang baik untuk melakukan ini adalah mengidentifikasi kebutuhan Anda versus keinginan Anda. 

Kebutuhan adalah hal-hal yang harus dimiliki, yaitu hal-hal penting di mana Anda harus membelanjakan uang Anda seperti tempat tinggal, listrik dan makanan. Keinginan adalah hal-hal pilihan atau Anda "senang jika bisa memilikinya"; pakaian, hiburan, dan perjalanan.

Strategi cerdas lainnya adalah "Bayarlah Diri Anda Sendiri Terlebih Dahulu". Apakah Anda berhasil menyimpan sesuatu sepanjang tahun atau Anda terus-menerus mengandalkan penghasilan bulan ini untuk membayar tagihan kartu kredit bulan lalu? Apakah Anda membelanjakan uang Anda lebih dulu? Kemudian, bergantung pada apa yang tersisa dan berharap untuk menabungnya?

 Biasakan membayar diri Anda terlebih dahulu, yaitu mengarahkan persentase penghasilan Anda ke rekening bank yang sulit diakses, setidaknya untuk memulainya. Ini adalah ide bagus untuk membangun dana darurat. Jika Anda benar-benar disiplin, Anda dapat mengarahkan jumlah ini ke rencana tabungan reguler. Dengan menyiapkan debit langsung mingguan atau bulanan (idealnya sesuai dengan frekuensi ketika Anda menerima gaji), Anda akan menolak godaan dan menentukan disiplin untuk hidup sesuai kemampuan Anda dan menghemat uang.

Bidang lain yang harus dipikirkan adalah bagaimana Anda mengelola utang Anda. Tinjau pinjaman rumah secara teratur. Jika Anda memiliki KPR (Kredit Kepemilikan Rumah), ini mungkin merupakan pengeluaran bulanan terbesar Anda sehingga merupakan ide bagus untuk memeriksa bagaimana cicilan itu disusun setidaknya setahun sekali. Carilah informasi melalui internet atau jelajahi semua bank yang menawarkan program KPR dan bandingkan suku bunganya. Jika suku bunga Anda tidak lagi bersaing, telepon pemberi pinjaman Anda dan bahas opsi-opsi yang ada, lalu pertimbangkan untuk mengganti penyedia pinjaman jika penyedia yang ada tidak menawarkan suku bunga bersaing. Waspadai semua biaya keluar dan implikasi dari pengalihan pinjaman Anda dari satu penyedia ke penyedia berikutnya. 

Cara Anda mengelola utang kartu kredit juga penting. Pastikan Anda melunasi kartu kredit Anda pada tanggal jatuh tempo dan dalam periode bebas bunga. Utang kartu kredit menarik bunga yang sangat tinggi dan harus dikelola dengan hati-hati.

Meninjau dasar-dasar dan memahami posisi Anda saat ini sangatlah penting jika Anda ingin unggul dalam keuangan Anda. Ini bukan ilmu yang rumit, tapi butuh kesabaran, mengalokasikan waktu yang teratur, dan disiplin! 

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When you think of doing financial planning, do you picture yourself in an office, with a professional planner on the other side of the table, and hashing out a complicated set of documents with a lot of big numbers and goals that are hard to imagine you could ever achieve? In truth, financial planning often does involve professionals, and it often does lead to a set of documents with big numbers and a list of goals.

But it need not be this involved. It can also be quite simple, as we will see.

What Is a Financial Action Plan and Why Does It Help to Have One?

A financial action plan is a plan that directs how you will manage your money in order to make progress toward your goals. Simply knowing what you want will not get you there: you need a real plan to make it happen. And it should be written down, with clear goals and actionable steps that can be measured in some way. When a plan is written with concrete, measurable steps, you can gauge whether or not it has succeeded. Another benefit is that the concrete, actionable steps take the hunches and the guesswork out of your planning.

A financial action plan answers the age-old question, what do you need to do to get where you need to go?

It's all about your goals in life

At its core, financial planning simply means setting a number of goals and writing steps to achieve them with your money. You can start with just a few and make a living, breathing, flexible plan for yourself. Indeed, your plan can be as simple as writing down three to five goals and some steps for achieving them.

Professionally written financial plans typically encompass all areas of a person's life: debt management, investing, retirement planning, estate planning, financial forecasting, insurance, risk management, assets and liabilities and net worth, and a plan for periodic review. Each item includes a set of steps for making it happen. Thus, it is not the same thing as a budget; it covers more than just how you will spend your money. Indeed, some personal financial plans are over 100 pages long. But every one is as individual as the person it is written for.

It's a starting point for bigger things

As you succeed at your own plan over time and refine and update it, you can expand it to include more complex goals, like a retirement plan and investments. For these, the services of a professional planner may be desirable.

Steps Involved in Writing a Simple Financial Action Plan

No two financial action plans are the same. They differ based on how complex your needs are and how much of your life plans you want to cover. Traditionally, financial plans have a certain structure:

  • Setting goals and gathering financial data. This includes your income, insurance, any investments, your benefits at work, and of course, your life's goals.
  • Assessing your financial status. This is where calculations and financial statements come into play. For example, a net worth statement will add up your assets and subtract your liabilities to give you your financial status.
  • Developing the actual plan. This step is how your plan will be carried out. It will include recommended savings and investments and other means of generating wealth.
  • Carrying out the plan. Here, you will actually do the saving and investing; or a professional will do it for you.
  • Monitoring the plan. Your plan must be reviewed periodically to make sure it is on track. If necessary, it can (and usually will be) revised.

Though this may look intimidating, it's not a requirement. A financial action plan can be as simple as listing each goal and then listing a means of achieving each one:

  • Setting goals. Write down the things you want to achieve.
  • Developing the plan. Set a simple task list.
  • Carrying out the plan. Do the tasks and mark them as done when they are done.
  • Monitoring the plan. Set a reminder on a calendar or an app to see how you are doing.

A note about writing goals: it's not enough to say something like "I want to have some extra spending money." Goals like this fail because they are not specific; to really work, they should specify three things:

  • What the goal is
  • How much money is needed for it
  • When the goal is to be achieved

In our example, we should say, "I want to save an extra $40 at the end of every month to spend on what I want." That is not only specific, but it can be measured at the end of every month. Of course, it should also be realistic and attainable.

A Sample Financial Action Plan

Keep in mind that the financial goals you set should specify what the goals are, how much money is needed for them, and when the goals are to be achieved. They should also be realistic for you, and they should be measurable in some way. Then you can proceed to write a list of tasks to do to make sure that you are making progress toward your goals.

Here is a sample financial action plan:

MY PLAN

  • Goal: Save $40 at the end of every month to spend on what I want.
    • Task 1: Make a budget.
    • Task 2: Look for less-expensive alternatives to existing expenses. For example, eat out one fewer time per week and save $10.
    • Task 3: Divert the amount of money saved into a separate place.
  • Goal: Save up $1000 for a different car by 10 months from now.
    • Task 1: Make a budget.
    • Task 2: Cut out unnecessary expenses; perhaps $100 per month.
    • Task 3: Take on a part-time or temporary job to raise the needed money.
    • Task 4: Divert the amount of money saved into a separate place.
  • Goal: Pay off a $1000 balance on a credit card in 12 months.
    • Task 1: Determine the amount that must be paid each month (online calculators can help with this).
    • Task 2: Set aside that amount each month by cutting out unnecessary expenses.
    • Task 3: Take on a part-time or temporary job to raise the needed money.
  • Goal: Create an emergency fund of $5,000 in 24 months.
    • Task 1: Reduce the phone bill, cable bill, eating out bill, and other bills by $208 per month.
    • Task 2: Divert the amount of money saved into a separate account, such as a savings account.

The owner of this plan should monitor it at the end of every month to make sure it is on track.

These examples are simple, but they are the kinds that millions of people struggle with. As long as you make your goals specific enough to be measurable and you set specific actions down in writing, you have a working financial plan.

As the time frame of your plan goes on, you will want to review and revise it, based on how well you are sticking to it. If you are not sticking to it, perhaps you were unrealistic, or perhaps there were interruptions that prevented you from reaching your goals. In that case, you can revise your plan and continue with it.

Consider using the example above as a template. If you wish, you can and should embellish it to include how you will measure your progress. You can even add a reward at the end.

Getting Help to Write a Financial Action Plan

If you want to write a plan but feel you need help, there is abundant help out there just waiting to be tapped. Because so many people need or want help with their financial lives, a whole industry of professionals, associations, software, and even cell-phone apps exists just for you.

There are apps that will help you set and monitor the goals you set.
Look into an employee assistance program, if your company offers one.

Financial planning software

There is a wealth of financial planning software out there, and the available programs grow and change every year. Most of them are more complex than just setting and tracking your goals—they take in your bank account and other information and create budgets and forecasts for you. But they do include some action plan aspects to them. Look to see more of them in the future as entrepreneurs start filling demand for financial planning among the non-wealthy.

More to the point, there are hundreds of apps (i.e., programs) that are simple to work with. Some of them limit themselves to goal-setting and monitoring. A search for phrases like "goal setting apps" or "financial planning apps" can bring up several that you can use on a cell phone, tablet, or computer. Some are free to use; some will even pester you if you fall off the wagon.

Financial institutions

Many people are not aware that their banks or credit unions have financial planners available on site. These planners are trained to help you set financial goals and stick with them. Many of them charge for their services, though. It pays to call and find out.

EAPs

Got an employee assistance program (EAP) at work? There may be a counselor or two who can help you draw up a plan. Many of them are familiar with goal-setting and tracking; some are actual financial planners who would not charge you. Beyond helping you set up an action plan, they can act as an accountability figure to help you stay on track—and revise your plan when you need to.

Professional sources of help

Of course, there are professional financial planners who are well-versed in financial action plans. Many of them work at large companies; others work in their own offices because they are self-employed. Still others may be available at your bank or credit union. 

Summary of Create a Financial Action Plan--Keep It Simple

Despite the commercials that show happy upper-middle class couples walking on the breezy ocean beach because their financial planner has made it possible for them to own a second home there, most of us are not this fortunate. We get up in the morning with a set of worries that we go to bed with that night. Solving your problems may take time, but one thing you can do is get started on an action plan. It will put them into perspective, and just knowing you have a plan written down will give you back some of the needed enthusiasm that had been seeping out of you for years before.

If you have not yet done so, take some time now to get started on your plan.

Practical Ideas You Can Start with Today

  • Write down three to five important goals for yourself.
  • Write down a set of tasks to do to fulfill these goals.
  • Plan a reward to give yourself when you have completed each goal.

O ponto de partida é reunir o máximo de informação possível sobre as suas despesas. Se for muito complicado, obtenha uma imagem do seu orçamento partindo do extrato da sua conta bancária ou cartão de crédito. Efetivamente, é impossível definir objetivos financeiros e objetivos de poupança realistas sem compreender os seus movimentos de fluxo de caixa e saber qual o montante que tem à sua disposição.

A melhor forma de controlar as suas despesas é, todos os meses, comparar as suas despesas com os seus extratos de conta e do cartão de crédito. Existem várias formas de o fazer. A maioria dos bancos, através dos seus serviços bancários online, permite-lhe transferir a sua atividade de transações para Excel. Também pode aceder a várias aplicações que permitem monitorizar as suas despesas. Ao fazê-lo, não só compreende para onde vai o seu dinheiro, como também pode certificar-se de que lhe foi cobrado o montante certo pelos artigos adquiridos e de que não lhe foi cobrado nada que não tenha adquirido. Fique atento a:

  • Cobranças de empresas que não reconhece
  • Cobranças elevadas ou invulgares
  • Alterações nos montantes dos débitos regulares
  • Cobranças duplicadas.

Depois de ter identificado todas as suas despesas também pode agrupar as transações em várias categorias para o ajudar a compreender em que sectores gasta. Estas categorias podem incluir:

  • Habitação
  • Serviços públicos
  • Educação
  • Veículos motorizados
  • Seguros
  • Alimentação
  • Vestuário
  • Beleza
  • Fitness
  • Férias
  • Impostos

Assim que compreender todos os seus gastos, deduza as despesas totais às receitas totais. O que sobrar é o valor de que dispõe. Pode utilizar o fluxo de caixa excedente para reduzir as suas dívidas ou até mesmo para iniciar um plano de poupança regular. Se verificar que não tem qualquer rendimento excedente e que tem um buraco orçamental, identifique as áreas nas quais está a gastar demais e nas quais pode cortar.

Uma boa forma de o fazer é identificar aquilo que quer e aquilo de que precisa.

As necessidades são os elementos obrigatórios, isto é, as coisas necessárias nas quais gasta o seu dinheiro como, por exemplo, habitação, eletricidade e alimentação. As coisas que quer são elementos facultativos ou que "gostava de ter" como, por exemplo, roupa, entretenimento e viagens.

Outra estratégia inteligente é "Pagar primeiro a si próprio". Consegue poupar ao longo do ano ou está permanentemente dependente do vencimento do mês para pagar a fatura do cartão de crédito do mês anterior? Gasta primeiro? Em seguida, baseia-se no restante e tenta poupar?

 Crie o hábito de pagar primeiro a si próprio, isto é, direcionar uma percentagem das suas receitas para uma secção da conta bancária que seja de difícil acesso. Para começar, é uma boa ideia criar um fundo de emergência. Se for verdadeiramente disciplinado, pode direcionar este montante para um plano de poupança regular. Ao definir um débito direto semanal ou mensal (preferencialmente de acordo com o momento em que recebe o salário) elimina as tentações e cria o hábito de viver de acordo com as suas posses e de poupar dinheiro.

Outro aspeto a ter em conta é a forma como gere as suas dívidas. Analise regularmente os créditos à habitação. Se tem um crédito hipotecário, este será muito provavelmente a sua principal despesa mensal pelo que é boa ideia verificar a sua estruturação pelo menos uma vez por ano. Pesquise online e compare as taxas de juro. Se a sua taxa já não for competitiva, entre em contacto com o credor para debater as opções e analise a opção de mudar de entidade bancária caso a sua não ofereça taxas competitivas. Tenha em conta quaisquer taxas de saída e as implicações associadas à transferência do seu crédito de uma entidade para outra.

A forma como gere a dívida do seu cartão de crédito também é importante. Certifique-se de que paga os seus cartões de crédito dentro das datas devidas e dentro do período sem juros. As dívidas de cartões de crédito envolvem taxas de juro extremamente elevadas e devem ser geridas com precaução.

Quando o objetivo é controlar as suas finanças, é importante rever os aspetos básicos e compreender a sua posição atual. Não é uma ciência exata, mas envolve alguma paciência, definir um período de tempo regular e alguma disciplina.

O conteúdo deste artigo não constitui um aconselhamento financeiro individual.