Bài trước: Sách Omega Plus về với Hội khóa 20 năm Amsers 94-97
Saturday, October 7, 2017
Quản lý chi phí - Theo dõi ngân sách
thay vì dùng tiền mặt thì nên dùng thẻ trả trước, mỗi lần tiêu sẽ biết còn bao nhiêu, và đặt ngày bắt đầu tuần ngân sách là thứ hai, thay vì thứ sáu
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Dear Dan,
I’ve set myself a weekly budget of $500, which should cover groceries, lunch, coffee and nights out. I used to put everything on my credit card and try to keep track of my spending in my head, but I inevitably wound up spending more. To fight this credit-card temptation, I started taking out $500 in cash every Friday and spending only that. This strategy leaves me more aware of my outlays—but I’m still running out of cash by Thursday. What else can I do?
—George
Your dedication is impressive. Having a budget for discretionary spending isn’t easy, but it is the first important step toward better finances. It’s also good that you’re managing your weekly budget without credit cards, which are designed to make it hard for us to remember how much we’ve spent.
With that in mind, let me suggest two things. First, instead of using cash, switch to a prepaid debit card that you load with $500 a week. With cash, you tend to estimate how much is left just by looking at the piles of bills you have; the debit card can tell you after each transaction exactly how much is left in your weekly budget.
Second, start your budget week on Monday, not on Friday. With your current method, you’re giving yourself the largest amount of money to start the most tempting part of the week—the weekend—which leaves you more likely to overspend. If you start your budget week on Monday, you’ll be more likely to try to save some cash to have a fun weekend.
Bài trước: Làm thế nào để sinh viên đọc sách nhiều hơn?
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