How can I save my money?

Part I

Warning: This text was translated online.

Many people, myself included, are asking each end of the month "Do they spend all my salary this month?". The meal with friends, film or a book you bought, all those little costs that make your salary disappear so easily.

And there is not beam thought about things that could save. But for some reason unable to control your income and expenses. That means that until today you're not agree on what actually spend during the month.

Well, once identified the problem, we assist you in finding a solution, so that you can really save your money. For this reason, we will develop a budget for your monthly expenses. The first step in developing a budget, is to score all your expenses, at least for one month. You can use it for any book or any free software to record your expenses.

The key to this step is to write it down every purchase, no matter how small the amount is. Since the purchase of a pen up a car, all amounts to spend during this month, must be recorded on the list.

When he finished the month, you can study your list and you realise how the money is going. Only with a detailed list well, you can make financial decisions.
However, at this point, most people make the mistake of preparing their budgets so very conservative.

Let me tell you, that the most important thing a budget is not to eliminate anything that allows you to have fun. Simply because the budgets do not allow some entertainment, are destined to fail.

It is best to learn to moderate gradually. I'll give you an example. Say you like to leave a movie with friends, as 3 times per week. If we decide not to go to the movies more for a month, you can assure you that your budget will fail. Best is that you once a week to film. With this strategy you do not have to eliminate everything that makes you happy in your life, while you learn to spend the money better.

If you can, I recommend that you save 10% of your income. The best way to save is transferred directly to a savings account. Well, the money they do not see no strangers.

In addition I recommend that 35% of your income you use to pay fixed costs such as for housing, services, electricity, telephone and drinking water.
Clearly, that the above percentages are for the ideal case. Do not desanimes is possible when you save only 6%. The important thing is that you decide to start today!

Well, here came the first part of my guide "How to save my money?".
Coming here you deliver the second part. Success for your life and any questions, send me a comment.

No one who knows is rich win, if we do not know who spend. (the Arabic)