ARE YOU ALWAYS WORRIED ABOUT YOUR FINANCES? DISCOVER THE 20 RULES FOR MANAGING YOUR MONEY - WOMEN-OF-TODAY

20 rules to make your salary last all month

Spending days, compulsive shopping and no organization of your savings are all familiar to you? Don't panic, transforming from shopping obsessed to frugal queens is simple. We are about to share simple and effective rules with you that will make your salary last throughout the month.

Girls, it's time to put them into practice ...

1. The bills first of all

After surviving the last week before payday by eating canned tuna, it's easy to give in to the temptation to squander all of your salary as soon as it reaches our account. Instead of thinking about how to spend your newly earned money, why not focus on it first. what do we need to pay?
First the duty then the pleasure in short ... now you can start thinking about how to manage the remaining sum.

2. Ask yourself, "Do I really need this thing?"

Get used to controlling yourself. Too often we give in to the urge to shop without really thinking about the consequences.Do you hear the bell of remorse ringing? The next time you're on the verge of letting yourself be tempted, ask yourself this simple question: "Do I really need this?" A little reflection can help you make a better decision.

3. Divide your savings into parts

A good trick to try. After paying all your bills and leaving enough cash in your account for emergency expenses, withdraw the remaining money. Divide it into separate envelopes and allow yourself a certain amount that you can spend each week. So you know what outings you can afford by resisting the temptation to spend more.

4. Bring your own lunch

Spending between 7 and 15 euros every day certainly doesn't help. God knows how much money we have wasted on lunch in the last year, but we guarantee it is a lot, for sure. That's why it is a good habit to bring lunch from home. There are a huge variety of things you can make: salads, sandwiches, piadine .. c "is spoiled for choice.

5. Shop at local stores

Going to the local farmer's shop is a great idea to support your city's economy and, believe me or not, to save money. You will also find fresher and more genuine products.

6. Indulge yourself (but not too often)

Everyone deserves to pamper themselves every now and then. But remember, it's a luxury not a necessity. Spending a nice day in a wellness center is a "great idea, but every week? Be careful not to overdo it!"

7. Prioritize friends and family

Make sure you give your friends and family due importance. Thinking about and dedicating yourself to them will give you the certainty of maintaining strong bonds, and your whole life will benefit from them. Organize activities that can involve the whole tribe, you will be happy.

A dinner to start the winter holidays? You can get together without draining your finances. Cook all together, prepare different dishes. You will save money and you can spend more time together, having fun.

8. Plan everything first

You don't have to be super organized to plan your expenses in advance. When you go shopping, a "great idea to avoid wasting your money is to make a list of the things you really need. If something tempts you, it will be much easier to resist it. Remember the question:" Do I really need it? "

9. Be a wise buyer

Now don't go crazy looking for discount coupons. We are only recommending that you take a look at the offers and periodically check the website of your trusted supermarket to check which products are more convenient.
For example, if your favorite toothpaste is on offer, buy it even if you haven't finished it. At that moment you may not need it but in the future for sure! Spend your money wisely, you will see that you will be able to save a lot more.

10. Save, save, save!

Saving money is the key to financial success. We're not saying save every single penny you make, it wouldn't be fun. A good rule of thumb is to set aside at least 15-20% of your monthly income. With these savings you will be ready for any eventuality. We haven't discouraged you too much, have we?

11. Do not take your ATM with you

If you are going out with your friends, leave the ATM at home. The next day you would cry over ... wasted money. Or worse, you would see that very unpleasant written "Insufficient Credit" appear. The best decision is to decide on a budget for the evening and take some cash with you. We guarantee that you will only spend what you have set out for.

12. Plan something you can't wait to do

One of the main reasons we spend money unnecessarily is to feel better and be rewarded. But if you're really looking for a way to feel great, plan a vacation, plan it, decide on a budget. A day or more of rest and recreation somewhere away from home is certainly a better reason to spend your savings.

13. Call your suppliers

Call your telephone, electricity and gas company and make sure they have offered you the best economic offer. Calling every six months to check will save you a considerable sum every year because it will keep you updated on the latest promotions. You don't know never until you ask, and asking is ... free.

14. Use apps

There are apps, like Groupon, that have great deals to help you save. Download them now, they could always be useful.

15. Buy and return

When times are tough and the situation is getting desperate there is a need to work around the situation. That's why if necessary, there is no harm in wearing a suit and bringing it back to the store. Sorry, you don't have to apologize!

16. Pre-drink

Don't spend all your money on cocktails. Before the night begins, arrange a meeting at your home with all your friends to start the festivities. No long lines and overpriced drinks: who can complain?

17. Make a season ticket for public transport

If you are under the age of 26, it is a wonderful idea to buy a pass for public transport which will allow you to save a third on the ordinary price.

If, on the other hand, you are a little more grown up, don't worry. Buying tickets online, paying attention to promotions will still allow you to find very convenient offers. Don't forget that planning everything in advance is a rule.

18. Give wise gifts

When it comes to buying Christmas gifts, it's always a problem. Homemade items, does that tell you anything? They are much more appreciated because they are personalized and because you put your commitment into them.

Okay, that doesn't mean anyone would ever complain about a gift card at their favorite clothing store, but for sure your wallet would notice the difference.

19. Share a subscription to Sky

Why pay 20 euros a month when you can share the expense with your flatmates? Sharing is good friends.

20. Eliminate unhealthy habits

Bad habits like smoking can be very expensive. If you don't want to see your money run out, this is a good idea to keep your physique and ... your finances healthy.