Save real money: How to keep your household book correctly
Created: 01/18/2022, 15:15
Expenditures with the red pencil, the income with the pen: How the household book is kept is up to you.
© Rolf Vennenbernd/dpa/picture alliance
Keep an eye on your finances, don't spend money unnecessarily and plan your budget wisely: With a budget book - classic or digital - you gain the upper hand over your assets.
At the end of the month, many become painfully aware: the plan to save is harder to implement than expected.
But there are tricks that can help you finally get your finances under control.
Anyone who keeps a household book has an overview of their expenses.
How do I manage to put a few hundred euros aside at the end of the month*? For many, this is a tiresome question that cannot be easily answered.
But one simple measure is intended to give immense support to those who want to save
: a so-called budget book. This means nothing other than the listing of all expenses - from the supermarket purchase, the cool iced tea from the gas station to the new pair of shoes to the new television. On the other hand, there is the income, which is also noted in the budget book, and the budget allocation.
If you want to set aside around 200 euros a month, you should make a plan in advance of how you can achieve this goal.
It makes sense to calculate your own fixed costs - this includes rent, mobile phone contract, car insurance (spread over the month) and the contribution to the gym.
You can then calculate how much money you can use for daily use in order to still get the savings amount.
And compliance with the daily budget can be checked in the household book
.
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Keep a household book - that's how it works
Whether app, booklet or Excel list
: How you keep your budget book is up to you.
An app, which is now also offered free of charge by various providers, is particularly suitable for those who want to write down their expenses directly.
The following applies:
the fewer details are noted, the less time it takes to keep a household book
.
If you want to make it easy for yourself, you should only note the amount, the type of expense (e.g. a bicycle helmet) and the day.
Develop a routine:
Collect everything in the evening or write down every amount immediately after spending?
It is best to try out what is easiest for you.
(jg)
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