Learn to manage your money
The various behaviors in the face of money
Not everyone has the same relationship with money. This relationship does not depend on your bank account, but rather on your personality. The relationship you have with money says a lot about your way of life.
Here are some behaviors in the face of money:
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• the dilapidator: we are numerous to squander our money! Our indecision lasts a moment, but then the purchase of a dress, a pair of shoes or a jewel is the only thing that can alleviate (temporarily) the anguish. The dilapidator exaggerates, without however giving in to compulsive buying , but continues to buy even though he can't afford it. He prefers not to know what's going on on his account ...
• the stingy: he is limited in his expenses and can be downright stingy! His behavior is dictated by the need to accumulate and preserve his capital. He regularly checks his accounts, makes reasoned purchases ... in short, money has an important function in his life and remains a symbol of material and emotional security.
• the generous: she likes to give gifts to loved ones and often buys without reckoning. It is his way of gaining the esteem of others. This attitude can be a sign of guilt or, conversely and more rarely, of true generosity.
• the balanced: has a healthy and mature relationship with money. He knows how to manage it, save it when necessary, or spend it without feeling guilty.
Manage your expenses, step by step
• Do your math: sworn enemies of the spendthrift, the accounts plague ... more than reassuring. However, they are often useful and allow you to prevent your account from going red. It must become a habit: the ideal is to consult your online account once a week, in order to keep an eye on your transactions as you make them. Another solution: take note of your income and expenses, writing them in a table organized by categories (fixed budget, temporary expenses and monthly withdrawals ...).
• Pay in installments: taxes, car insurance, payment of banking services, loans ... sometimes it is difficult to spend large sums all at once, the risk is to go into the red. Here is the solution: pay these expenses in installments compulsory. Generally paid at the beginning of the month, the installments allow you to avoid unnecessary debt at the time of maturity. If possible, ask for the withdrawal to take place a few days after receiving your salary.
• Plan a fixed budget: it is a question of providing an approximate amount each month for the expenses of everyday life. Food, petrol, but also mobile phone subscriptions, Internet, transport, sports activities ... These are sums that must be automatically taken into account in managing your budget and subtracted from your monthly salary.
• Stay in touch with your banker - your banker is a friend! He is the only one, besides you, who knows your expenses, and can offer you solutions in case of problems. Don't hesitate to meet him at least 3 times a year, to talk about your account and, why not, plan investments or loans.
• Avoid deferred payments: if you know that your account does not allow it, but all in all you want to make a purchase that plans to spend a relatively large sum, avoid, as far as possible, deferred payments. In fact, you risk forgetting this expense and being caught off guard at the end of the month.
• Provide a contingency sum - better be prepared for any eventuality! Always think about leaving a certain amount of money in your account, so as to avoid finding yourself in the red. Or, plan to open another account where you can put aside savings to use occasionally, in times of need ...
