Note: I am not an accountant, financial advisor, do not work in the bag or anything . I'm just someone who wants to stop living with debt and shares techniques and tips used by many ordinary people with results. Pripio Use at your own risk.) * To see Step 1 of this series, click here .
Well, once you have defined what your goals are and how long you meet them, it's time to see exactly where you are. For that we need to do an analysis of how much you spend .
Eye, how much you spend is not very much want . More likely (especially if you're looking for information on how to achieve live without owing anything to anyone) is to spend more - perhaps more than you earn.
What you need here is a small notebook , a folded piece of paper or something. The important thing is that it is something you can carry all parties in your purse, your wallet or shirt pocket. I use one of these mini notebooks university can fit in your pocket.
Now take away the book everywhere and record every dollar you spend , yet and cents. No matter whether the payment was in cash, debit or credit, if gasoline was in the car or in a gum: writes everything. What I do is that at the beginning of the page write the month (and year) I will analyze, and then listing the expenses I'll have. I write the date (you must indicate the day of the week, but if you do), then scored and spending a brief description (two or three words) and finally write the amount you spent.
My book looks something like this:
MARCH 2009
02 - Chewing Oxxo = $ 10
02 - Eating (tacos) = $ 66
03 - Gasoline = $ 250
04 - Tortillas = $ 20
04 - Milk Oxxo = $ 43
04 - Telnor (phone) = $ 586
05 - Market = $ 390
etc ...
Add the total of your expenses at the end of the month ... and prepare for a very unpleasant surprise: S. I recommend the sum of amounts once a week to walk away realizing how much money you have left for the rest of the month, so you can turn down the costs in time and before you need to ask someone or use credit to solve your spending the last week of the month.
Maybe at first it is difficult or complicated to write down every time you spend on something. But it's worth. You do not have in front of your co-workers to lunch, you can do later when you have a time alone. However, is not recommended that you wait for the night to record all expenditures made because something can happen. In addition, every time something in the book notes can quickly see all the other things in which you spent in the month and maybe that makes you lower your expenses a little for the rest of the day.
Once you have how much you spend in the month, the book will always serve but now as a tool for cost control and organization of your budget.
But that comes later ...
Bye!
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