At the end of the money, there’s still so much month left! Do you know this quote? Or have you even experienced the situation yourself? In an average household, it often feels even worse: at the beginning of the month, more than half of the monthly income is already gone – for regular expenses such as electricity, loans, insurance, gas, phone, internet, and so on.
It’s time to make a change so that on one hand, this situation doesn’t happen to you again in the future, and on the other hand, this situation doesn’t cause you headaches anymore. Because in most cases, it’s perfectly fine as long as your average monthly expenses don’t exceed your income.
The path to your goal can be quite a bit of work and requires discipline and consistency from you. However, the most important thing is to start in the first place!
First, make the decision to want to change your financial situation and no longer fear it. If you decide to take financial matters into your own hands and make a change for yourself or your family, it’s possible to radically change your mindset about money. Then, handling money will bring you fun, joy, and peace of mind, and you won’t feel guilty about your expenses anymore. After making this decision and consistently implementing the following steps, you’ll gain 100% control over your finances, more flexibility for things that matter to you, and additional security for the future.
To make it easier for you to start, there are some basic rules that will help you with your endeavor.