If for yourself, your beloved wants both this and this, immediately and a lot, there is a great temptation to borrow money in order to get what you want right here and now. However, have you ever thought about the fact that things have even more power over you than you think.

It is not surprising to become a slave of things: every day from the TV screen, from the covers of glossy magazines, they strive to sell you literally everything. The implication is that if you do not buy it, then you are an outdated woman. Well, how can you resist when everyone around is so bright, fashionable, beautiful , you don’t want to offend yourself and your beloved. It just comes out the other way around. Having succumbed to the momentary temptation, you are going to borrow, but you will have to give back your hard-earned money. Therefore, always before you buy another thing on loan, ask yourself if you really need this thing, or is it a “trap” for your ego.

A lot of people fell for the bait of their desires, taking huge loans on their shoulders, and despite the fact that they use the acquired thing, of which they are slaves at the moment, there is no longer any joy from having it. But there are debts with interest, and they do not give rest.

How to have everything and not borrow

Earn more . If it seems to you that all your expenses are justified and necessary, only there is not enough money for them, then you need to find additional sources of income and satisfy your desires as much as you like, only as part of the cash flow.

A very valuable quality, especially for women hostesses, is to learn how to plan a family budget . If such a formulation annoys you, then at least make a list of purchases and expenses that you will have in the coming month. At least you will see how much is needed for all this. Well, if you know that the salary is definitely not enough, you will have to shrink somewhere.

Living beyond income, constantly borrowing money is not just a wrong trend, it is, if you like, a diagnosis (“squanderer” is called). Answer, honestly, what motivates you to take new loans? Most likely, you will say that there is not enough money, and you have to borrow. But if the situation repeats itself, it means that you have formed such an attitude for yourself and it works, and far from being in your favor. Not borrowing is elementary: you need to learn how to distribute money so that there is enough for everything. Of the "necessary" items that go beyond the budget, leave only the most necessary.

In addition, it would be good to make it a rule to pay yourself first from each salary, that is, literally set aside a tenth of the amount received, and not lower the balance on the same day you received the money. You will always have time to fix the business of your uncle, who has put up a billboard and offers you to stock up on a good batch of various utensils. And for starters, set aside a bright future for yourself.

Note that many with the advent of the crisis for a long time could not learn to plan their expenses within the framework of new incomes, much smaller than before. But slowly a habit was developed to distribute cash flows so that there was also left for entertainment. You can learn everything, the main thing is to understand that it is for your own good.

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