Why am I always short of money? Come in and teach you how to manage money!

Xiaobian always thought that I was ignorant enough two years ago. Today, I find that many of my friends are just like me two years ago. I don’t know how much money I can earn and spend in a year? Never care where the money goes?

You can imagine, if you own a company, if you want to know whether the company is making a profit or losing money, what should you do? You definitely need the company’s financial manager to report the company’s financial situation, including the company’s income, expenses, costs and so on, and finally calculate the company’s profit and loss.

Or as a family, the family or their monthly income and expenditure is about how much, can’t save money or don’t know where their monthly money flow to small partners, this question should not be answered.

A few days ago, several new members came to my financial management group, and my biggest reaction was about family financial management. Later, after understanding, I found that their financial situation is in a mess. The biggest problem is that their partner doesn’t cooperate and they don’t know how much they can earn, how much they can spend and where they spend?

This is the most difficult time to tell the truth. How to solve it?

Today, I’d like to talk with my friends about why money is always not enough to spend. When I want to save money, my partner doesn’t cooperate. How can I do it?

If you want to save money, you can’t do without “increasing revenue and reducing expenditure”.

Let’s talk about “cutting costs”. I always think it’s much easier to increase revenue and cut costs. Cutting costs here refers to letting people spend their money on the edge of the sword, rather than making a living.

How to break the circle? The secret is to learn how to keep accounts!

Lazy man’s financial management method: two books

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Ledger 1: household expenses

Bookkeeping is especially important at this time, because you don’t know how much you earn and how much you spend.

First of all, record your daily expenses, so that you can have a general understanding of your own expenses. Everything from daily necessities to buying a car and a house can be summarized into consumption expenses.

Xiaobian can help us to record the detailed classification items. At the end of the month, we can look at the charts and duplicate them. In this way, the revenue and expenditure will be clear at a glance. Of course, some people and I have feedback that they have recorded accounts before, but they don’t know?

It must be something wrong with you. You suddenly find that you’re a passer-by. Ha ha, as I said before, I was ignorant two years ago, but when it comes to bookkeeping, I started using Xiaosui in 2016.

Moonlight or moonlight, debt or debt. Later, I began to find out the reasons. To tell you the truth, in the first two years, I only kept a running account, and I never visited the community, let alone resumed the business and made a budget.

With the resumption of business, in fact, it is not far away from financial health. There is a summary of monthly expenditure in all aspects. The life breakdown expenditure recording method is more like the “physical examination form” of your monthly expenditure. It is clear at a glance whether your consumption is healthy or not.

If there is no reasonable expenditure planning, it is likely to damage the financial stability of the whole family.