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Toate acestea si multe altele reprezinta dovezile de rasfat pe care ti le acorzi ori de cate ori ai ocazia.
Din pacate, insa, tot de atatea ori esti nevoita sa privesti cu tristete catre portofelul gol si sa faci eforturi disperate pentru a te imprumuta pana la salariu. Iata 5 greseli financiare pe care este posibil sa le faci fara sa stii!
1. Nu ai un plan financiar
De cele mai multe ori, lipsa banilor se afla in legatura directa cu absenta unui plan financiar sau cu existenta unui inadecvat.
Indiferent daca esti singura sau nu, trebuie sa ai in vedere doua lucruri. Primul este legat de bugetul total pe care il ai la dispozitie, iar al doilea se refera la bugetul de cheltuieli lunare. Aici intra totalitatea cheltuielilor pe care le faci in fiecare luna, incepand de la abonamentul tv, cumparaturile pe care le faci si pana la factura de telefon.
Pune pe hartie sau fa-ti un tabel intr-un program de editare pe computer si vezi care sunt cheltuielile in raport cu veniturile. Pe baza acestui plan financiar, vei sti exact cat de mult poti sa te „intinzi”.
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