When there is too much month left at the end of the salary

It is possible that when the monthly budget ends, you still have a long month to go. Being the family support is a great responsibility and sometimes it can even generate anxiety, especially when you realize that money is lacking for everything you need. As a family sustenance, it is more than likely that you will struggle to save on all the expenses you have.

If saving makes you anxious because it seems that you have losses at the end of the month or that you do not get to everything, you need to start making a plan to manage all your finances. If you have financial problems, the last thing you should do is look elsewhere. It is necessary that you put all your problems on the table and above all, that you start looking for a solution.

Being the breadwinner is a great responsibility

It is easy for in our society driven by materialism and exaggerated consumerism, money will leave even before entering the home. Many people have only one way of thinking: 'I want it all and I want it now'. If you are not careful you can have this big problem and what is worse, that your children learn a bad example.

Many people want to have everything in their lives without caring about the loans they have to pay at the end of the month ... But later, when the salary comes from work, all these payments are taken by those 'loans' and then you don't have what you really need for : daily life. Being the breadwinner is undoubtedly a great responsibility that cannot be taken lightly.

If you have spent or are spending many sleepless nights thinking about the numbers and wondering how you can afford some expenses and how to restrict others, now is the time you have a good plan. As much as you try to plan everything in detail, there can always be unforeseen events when you least expect them.

How much expense do you have

No matter how much you work or how much you want to earn, you will always feel that you do not earn enough for the lifestyle you want to lead. To know exactly how many expenses you have and how much you earn, you must be aware of the daily and monthly expenses that you have in the family and how much money comes into the house. Only in this way will it be possible to know if you really should take action as soon as possible or it is not necessary.

There are those who prefer applications to track what they spend, and they write it down, so they can find out what they spend the most on. There are people who are surprised to find that they may spend more money on meals with friends or coffee than on other more important things.

It is possible that there is a disproportionate expense on things that right now, you don't even realize and even in things that are not really important or necessary. When small amounts start to be spent on little things, you don't realize it until they pile up and become 'big thing'.

11 tips to spend less than you earn

It seems logical, but it seems that it is not so easy for many. There are only two ways to get more money and be able to have to cover the necessary expenses: spend less than what you earn. To help you ensure that your money is not spent too early in the month, do not miss these tips to be able to better control expenses and the money that comes into the house.

1. Think about how you spend your money. It is easier to know what is being earned but it is difficult to realize the expenses that are made and to know them exactly. Therefore, sit down daily and write down every day for a month the money you spend and what you spend it on. Then take an average of your expenses and find out where to spend more money.
2. Fix things before they break completely. When you see that something in your home begins to break down but still has a solution, find a way to fix it so that it lasts longer and you can avoid unnecessary added expense.
3. Remember the importance of saving. You need to remind yourself every day of the importance of saving. Whether at home, at work, at any expense ... prevention is better than cure and therefore, have a savings mentality in case the dreaded 'lean cows' ever arrive due to some unforeseen event that takes place in your home.
4. Pay your debts. It is necessary that you pay your debts monthly to avoid surcharges the following month. If you have debts, it is important that you get rid of them as soon as possible and that you avoid more expenses.
5. Quality clothing. Yes, quality clothing is more expensive but it will help you have less clothing and spend less in the long run. Quality clothes last longer than cheaper ones and will last you longer. Although children have to change their clothes because they grow up, if you buy quality, it will last the whole stage.
6. If you can't pay it in cash, you can't pay it. If you can't pay for something in cash, you can't pay it. You have two options: save or forget. Do not ask for loans.
7. Save some money in case unforeseen events arise. It is important that you have an emergency fund in case there is something unforeseen. If that fund is spent, you will have to replenish it monthly to be able to have a handful when necessary.
8. Do not compare yourself with others. You do not want to lead the life of someone who earns 3 times more than you. Also, that you earn more does not mean that you live better. Those who adapt life to the money they have and are happy with their day to day lives better. Having more does not mean being richer, but rather that the saying 'the one who needs the least is richer' is the greatest truth you are going to hear today.
9. Experiences last longer than things. You need to curb the urge to buy unnecessary items just to have more. It is better to save money and travel as a family.
10. Don't skimp on your food. If there is something that you should not skimp on (but without squandering) it is in the family diet. It is better to choose healthy and quality foods even if they are more expensive than to focus on buying cheap but that later, can take a toll on your health.
11. Say 'no' to children more often. Children are demanding and will always want to go big. Superfluous expenses often come at the whims of children. It is best to avoid this with a 'no' in time.