How to finance yourself to make ends meet

A very common pattern in today's society is the concern to reach the end of the month and that the income does not reach. Many people, regardless of whether they receive their payments biweekly or monthly, see their accounts really complicated because they do not have enough money, until they receive the next cancellation of their salary.

However, in most cases, the fact that the income reaches for the whole month, does not only have to do with the amount of money, it also relates to the way that money is used.

So to get to the end of the month and still have money, there are a series of steps or very useful tips, because it is about covering basic needs, but also have the opportunity to access activities that are of personal enjoyment and thus achieve a balance that contributes to the quality of life, these recommendations are:

Study and divide the budget: you can reserve 70% for housing, transportation, education and health expenses and 30% to cancel debts, for savings and entertainment.

Make control of debts: it is normal to be carried away by promotions and discounts, these make credit cards are overloaded, but it is vital to be sensible and avoid these expenses. The most advisable thing is to make sure that the sum of all the installments to be paid does not exceed 30% of the income. That is to say, to diminish the expenses and not to acquire unnecessary products.

You can even take this measure, although somewhat rigid is very beneficial, is to make the accounts of transportation and food expenses and go out alone with that sum of money, to manage correctly and avoid redundant expenses.

Reserve money for unforeseen situations: nothing better than having some amount of money, to be able to respond to a sudden expense, for example the repair of the car or a medical need. It is advisable to reserve 10% of the monthly income, if it is not used it is saved for the following month.

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Promote savings: although it seems complex, it is possible to achieve it, it consists of establishing a monthly goal, it can be 2%, 5% or whatever it is possible. There is a popular phrase that says to pay yourself, that is, to reserve an amount as if you were paying for a service. At the same time, this money should be put where it can not be used, either fixed-term or in an extra bank account.

Economize: when it comes to acquiring basic products or staples, it is very useful to bet on the products that are more accessible to the pocket, make use of offers and discounts.

Find extra money: it's about tapping the talents, doing extra work or even selling what is not used.