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check if you know how to use your money

Two different people with the same income can live next to us. One of them constantly has to borrow money, while the other always has enough money to pay. Why it happens? Perhaps because one of these people is able to rationally manage their funds, while the other does not know how to do this.

How to determine if a person knows how to use money correctly? Here is our list of 18 signs that a citizen has mastered financial literacy. Check how many of these signs you can count.

1) you always have enough money to pay

If a person regularly feels a lack of money 2-3 days before the paycheck, then this is a clear signal: he does not know how to rationally manage his finances. To “somehow make it to pay”, such people are forced to limit themselves even in the most necessary.

Alternatively, these people could calculate how much money they spend per month to buy food and other vital items. Then set aside the required amount , divide it into 30 parts and spend it gradually . It’s boring but effective.

2) you don’t borrow money from people you know

This rule is closely related to the previous one. If a person does not have enough funds to pay the salary, then he asks for a loan from relatives, friends, colleagues, neighbors. If a person regularly asks for a loan, then he does not know how to manage his money. If you forgot the last time you asked for a loan, then everything is fine with financial literacy.

3.You don’t take consumer loans

A citizen who knows how to count money does not take consumer loans from banks . He makes large purchases using his own savings. After all, after the loan is issued, the person pays the seller the cost of the goods, and the creditor – the interest for the use of his money. Ultimately, the purchase costs 30-50% more . Overpayment leads to the fact that money may not be enough for other purposes. The bank is the intermediary in the consumer chain, from whose services it is better to refuse.

An exception to this rule is loans for large purchases, for which it is difficult to save up on your own (for example, a mortgage loan for the purchase of an apartment).

4. You pay utility bills, taxes and fines on time

If a person systematically lacks money, then he first buys essential goods (food, seasonal clothing, medicines, etc.). After that, there is no longer any money left to pay for utilities . For some time, this may not bother the debtor, because the debt collection proceedings do not begin immediately, but only after many months.

If a citizen does not have utility bills, taxes and fines in arrears, this means: he has enough money for everything.

5) you have savings

Why doesn’t a financially literate person need to borrow money? He has formed his own financial reserve. The size of the “airbag” covers , as a rule, from 3 to 6 average monthly expenses of a family.

From this reserve, a citizen takes money to buy household appliances to replace old ones if they suddenly fail. Or pays for suddenly required medical procedures. Or, after an unexpected dismissal, he lives on funds from the reserve while looking for a new job. If there is no such “safety cushion”, then you have to ask for a loan.

6) you save some money on every paycheck

If you make additions to the financial reserve from case to case (only if the money remains by the end of the month), then it will never be formed.

A systematic approach is important in accumulation. A person should form a habit of spending at least 10% of each salary on savings . This should be done first of all after receiving a salary , and not at the end of the month (after all, by this time there may no longer be money left).

If a citizen can live on 100% of his salary, then he can live on 90.

7) you avoid unnecessary spending

A person who knows how to manage their money avoids spontaneous purchases. He buys things based on the ratio of functionality, quality and price of the product . Such a citizen does not pay attention to the “status” of the purchase. For example, he does not buy himself the latest model of the most productive smartphone at the price of 3 of his salaries, fashionable items from famous brands, a fully equipped executive class car (if these purchases are too expensive for him).

The size of his bank account will tell more about the success of a person than the presence of a fashionable prestigious phone.

8) you make a shopping list

To avoid spontaneous spending, a financially literate person is used to making a list of necessary things before going to the store. If you don’t have such a list with you, then the expenses in the store can increase by 1.5-2 times . Going for milk and bread, a citizen will definitely buy himself something else “tasty”. Overspending will lead to a shortage of funds at the end of the month.

9 you know the prices

A person who knows how to manage money will not buy a thing without assessing its value. The prices for the goods that he buys every day are kept in mind by the citizen. He will not be confused by a beautiful price tag with a 30 percent discount, if he knows: in a nearby store, such a product is cheaper without discounts.

Before making a large purchase, such a person will first spend time researching the offers of different sellers . Or he will use the functionality of aggregator sites on the Internet, where different stores display their goods (for example, Yandex.Market). They can easily sort all products by price.

10 you are good at counting in your head

A person who is accustomed to counting money, as a rule, can easily perform the simplest mathematical operations in his head. But if there are difficulties with verbal counting, he does not hesitate to get his calculator.

11. You record your spending after every purchase.

In order not to keep all the expenses in mind, a person records them ( on a piece of paper, in a spreadsheet or using a special mobile application ). The notes made help him figure out how much money and what exactly he spends during the month, as well as draw up a budget for the future period.

12.You know how to save money

A citizen who knows how to manage his money will buy food in the store where the promotion is being held . He can buy winter clothes for the next season at a discount sale , which the outlets are happy with at the end of the current one. Such a person will issue a mortgage at a reduced rate , subsidized by the state, etc.

# 13 you use apps that help you save money

It is difficult to analyze a large amount of information and keep it in your head. Finding great deals by bypassing well-known stores takes a lot of time and effort. Therefore, a modern citizen uses new technologies for obtaining information.

On his smartphone, special applications are installed, where shares of various sellers are collected in one place (for example, “Foodie”). He also uses services that, for example, provide additional cashback for purchases in online stores.

14.You plan your budget for the month and year.

By analyzing spending over the previous months, a person plans in advance how much money he can spend in the next period. SMSF Audit Services The estimated costs are categorized (food, household, utilities, transport, recreation, entertainment, etc.). At the end of the month, the person compares actual and planned to spend. If necessary, he adjusts the plan for the next month.

A financially literate citizen plans expenses not only for a month but also for a year in advance. After all, there are expenses that are made once a year (paying taxes, buying gifts for birthdays, etc.). They are included in the budget of the month in which they fall. If the upcoming expenses are large (for example, these are expenses for a trip with a family on vacation), then they are divided into 12 equal parts, and the money for them is gradually saved.

15. you have financial goals and a plan to achieve them.

A person saves money for a reason “for a rainy day”. He knows what he will buy with them. For example, he will renew the car, pay for the education of the child, make a trip abroad, etc.

By planning his expenses and gradually accumulating money, a person knows by what time he will be ready to make a purchase.

16.You have multiple wallets

For each future spending for which money is saved, the citizen sets up a separate account. For example, he has a debit card for daily purchases. At the beginning of the month, he puts on it an amount equal to the average monthly spending. On another account, he has a ” financial safety cushion ” (from 3 to 6 monthly spending in case of force majeure).

If a person saves money for a vacation, a car, a child’s education, or a down payment on a mortgage, then for each of these purposes he creates a separate account. So he can track how the accumulation process is progressing.

17 you have a plan to increase your income

You cannot achieve financial well-being by just controlling your spending and cutting costs. A person who cares about their future has a plan to increase their income.

These may be real prospects for taking a higher position, undergoing retraining and mastering a new profession, in addition to the main job, to do their own micro-business, change the region of residence, etc.

18 you are investing

During active working life, a person himself saves money for his pension. He knows that a small state old-age allowance can only cover the basic needs of an elderly person. also, get more information financial advisor to get the batter to result in your retirement SMSF accountants Melbourne give all finance-related services   

By saving 10% of his salary for 20-25 years, a citizen will accumulate decent capital by the time of retirement. In old age, he will be able to live off the interest of the savings (and the savings themselves will be passed on to the heirs). Or it will be possible to divide the accumulated amount into parts and gradually spend it.

After retirement, his standard of living will not drop. Save savings from inflation will allow investing them in securities.

It is quite difficult (and sometimes boring) to comply with all these 18 requirements. But a person who has learned to manage his money will also receive a reward: the stability of his financial position, regardless of the economic situation in the country and the world.

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