The beginning of the year is always the ideal time to set goals and plan how to achieve them. Therefore, most people are looking for new ways to save, but above all put money aside. So let’s see how we can plan our financial year.
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It’s time to draw up a forecast balance of what the expenses and earnings of the year could be in December. At the end of each month, next to the expected values, enter the actual values and compare the differences.
February: Clear Up
Create an archive for important documents (such as income tax returns) and have everything already ready at the right time.
It’s time to set aside small amounts on a regular basis and to set ourselves goals. Create a single entry fund from which it is “forbidden” to withdraw.
April: Abandon Bad Habits
Cigarettes, compulsive shopping, bets … make two counts and try to figure out how much money squandered and how the same amount could be invested in the other.
May: Earn More
It’s the right time to look for a seasonal commitment or some chores for extra income.
June: Be Accurate
Between degrees, weddings, confirmations, baptisms and etc… it’s time for more money. With a limited budget it’s better not to overdo it.
July: Be Foresight
It’s the right time to think of the expenses involved, which “it’s better to do them now only once, to postpone and spend more afterwards”.
When all offices are disarmed before going on holiday, it’s the right time to ask for a promotion or a salary. If not, it raises asking to have financed a refresher course.
September: Keep under Control
It’s time to gradually resume the routine and check your financial balance. It isn’t the month for impossible resolutions then to realize. With the return from summer holidays you are motivated and driven by the experiences you had, but for this reason it’s better to keep your feet on the ground.
October: Do Quality Shopping
It’s the quality shopping month. The moment to plan exactly what you need for the home or yourself and give yourself a list or goals to follow.
Whether it’s time to sign one or simply to assess whether your budget should include a “parachute” in the face of an unexpected event.
December: Get Benefits
Can you become richer even without increasing your salary? Sometimes yes. Through good meals, benefits or discount coupons. You just need to be able to know how to get them and how to use them. What you will not have to spend on some things, it’s still money that will stay in your pocket.