如果您不喜欢数字，很难弄清楚如何预算。但是，如果我告诉您情况不再是这种情况，以及在现代预算工具的帮助下，可以使您的财务变得简单且无压力，该怎么办？ These tactics could work for your money goals, whether you are saving for a dream vacation or trying to break the cycle of living paycheck to paycheck.
Even if you hate maths, these five budgeting tips will help you to seize control of your cash.
The 50/30/20 Rule
With the 50/30/20 plan, it’s simple to divide your money into three categories: needs, wants and savings.
How it works:
- Needs at 50％：保留您需要的薪水的50％，例如租金，杂货，公用事业和医疗保健。
- 30％的需求：将这部分薪水花在您想要的东西上，例如餐厅用餐，娱乐和爱好。
- 20％的储蓄：将此切片降级为建立储蓄帐户，为退休帐户做出贡献或还清债务。
为什么它有效：
这种方法非常适合喜欢事物简单但仍然希望能够切换外观的人。这将使您确定自己正在利用金钱和信用来支付对您最重要的事情的费用，并且还可以帮助您获得一些乐趣并省钱。关键是要巧妙地管理您的资金而不进行数学努力。在月底，您的总收入应与您的费用相符。您正在花费，所以您不会过度使用它。如果您使用预算应用程序，您可以使您这样做更轻松，压力较小。一个月。做。
它的工作原理：
确定您每个月要节省的钱。自动转移以使节省无痛。另外，请记住，由于复合的复杂性，几十年来可以大幅度增长。
如何处理额外的钱：对于那些讨厌严格的预算限制的人来说，这是一种出色的预算方法，因为它可以使您可以在每个类别上花费的方式建立宽松的界限。这些作为技巧，而不是法律。根据需要适应您的计划，以确保您继续对自己的财务未来感觉良好。如果您选择适合您和您的生活方式的策略，您可能会对自己的钱有一种新的控制感。在管理您的钱时，秘密是找到对您有用的东西。而且不要让一些数学吓到您。将这些策略之一付诸实践，观察它如何改变您对金钱的看法。
- Include everything that earns you money.
- Allocate everything to one of three categories: spending, saving, or paying off debt.
This ensures that you have full control of your money and allows you to know with absolute certainty the location of each dollar – ensuring that no dollar is wasted or not reconciled.
How to be successful:
Be careful about how much you’re spending so you don’t overdo it. You can make doing this easier and a whole lot less stressful if you use budgeting applications.
The System of Envelopes
An old-school budgeting method, the envelope system uses actual envelopes to divvy up spending.
How it works:
- Withdraw money for each item in your budget – grocery, entertainment, etc.
- Label it on envelopes with money inside.
- Only use the money in each envelope in that category each month.
It tells you how much money you have left to spend and prevents you from buying impulsively.
Good luck, and here are some tips for success:
If you prefer to shop on the internet, a digital version will enable you to create “envelopes” or subaccounts within your bank account.
Pay Yourself First
This approach flips traditional budgeting on its head, with savings taking priority over paying bills or whatever you need to do.
How it works:
- Decide how much you want to save each month.
- This cash will be automatically swept into a savings account before you pay any bills.
- Use the remaining money to cover things you need to survive.
It encourages you to save money consistently and learn good money habits.
How to succeed:
If you need to, start small. Automate transfers to make saving painless. Also, remember that modest sums can grow significantly over the decades thanks to compounding.
What to Do With the Extra Money: A Simple Plan for How to Spend
This is a fantastic budgeting method for those who hate strict budgetary limitations, as it allows you to establish loose boundaries on what you can spend in each category.
How it works:
- Establish overall spending limits based on how much you make and what you’d like to do with the money.
- Think of these as tips, not laws.
It lends a helping hand so you can be independent financially and rewards you for spending money smart and keeps you on track.
How to be successful:
Review your money regularly so that you know everything’s on track for your big goals and you’re not worried about the math. Adapt your plan as necessary to ensure you continue to feel good about your financial future.
To Sum Up
These five budgeting rules demonstrate that managing your money doesn’t have to be difficult or jarring. You may feel a new sense of control over your money if you select a strategy that’s right for you and your lifestyle. When it comes to managing your money, the secret is to find what works for you. And don’t let some math scare you away. Put one of these tactics into action and watch how it changes the way you think about money.
