To obtain and keep well-balanced your budget, you have to respect some principles
1-Use a deposit account and maintain its credit balance
2-Hold carefully your budget Get used to living according to your ways: do not spend more that what you win.
Review your spending and your resources at least once a month, by keeping up to date a picture of monitoring of the budget.
Your budget must be based on reasonably careful forecasts, neither too optimistic, nor too pessimistic. The resources have to be certain at the same time in their amount and in the date of their perception. Every expense item is to be analyzed in any objectivity.
3-Choose the adapted means of payment
4-Open a savings product
Put every month a little money(silver) aside. He(it) will be useful in case of unforeseen circumstances, of difficulty of temporary finance and to finance projects. A little money(silver) put aside every month eventually makes, in the long run, a consequent sum. You can:
Save(Spare) every month the same sum,
Put aside what stays in you at the end of the month.
If you perceive(collect) quarterly income (supplementary pension), it is advised(recommended) to place on a savings account 2/3 of the pension from its reception.
5-Master your debts
It allows you to establish(constitute) a savings but also to be able to borrow (with products of housing savings).
You do not have to get into debt in a excessive way:
Take into account the likely evolution of your loads(responsibilities) and your income on the whole period of refund(repayment) (from 1 to 5 years, from 10 to 20 years according to the credits), bet on a reasonable wage progress and do not forget that a pay rise echoes possibly on the amount of your taxes, think that the welfare and the APL are not eternal, forerunners at the level of your company, of your health or of your family situation have to encourage you to the caution...
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