Cum sa-ti imparti bugetul cu metoda plicului

Gestionarea bugetului lunar poate fi un lucru destul de dificil. Iata cum puteti sa va impartiti bugetul folosind metoda plicului:

Faceti un buget, impartind banii pe categorii, dupa cum urmeaza:

– Rate / chirie
– Ingrijirea copiilor
– Costuri
– Alimente
– Utilitati
– Taxe
– Economii

Distribuiti fiecare categorie in plicuri separate, de marime adecvata, pentru a incape in buzunar sau in poseta. Scrieti destinatia banilor pe plic, cu ajutorul unui marker.

Impartiti-va venitul in mai multe plicuri. Pentru destinatiile ce necesita o cheltuire esalonata a banilor este indicat sa folositi cash. Aceste plicuri vor contine bani toata luna, iar cele cu banii destinati ratelor, chiriei sau utilitatilor pot ramane goale, dupa plata acestora.

Luati bani din plicuri, pe masura ce aveti nevoie de ei. Recalculati apoi cati au ramas si scrieti acest lucru pe spatele plicului. Daca ramaneti fara bani pentru o anumita destinatie, puteti lua din alte plicuri ( insa veti ramane cu mai putini bani) sau nu mai cheltuiti alti bani in acel scop.

Este indicat ca banii ramasi in plicul cu economii la sfarsitul lunii sa ii adaugati in contul de economii.


Vezi reducerile de sezon din magazinele:

eMag , Altex , Libris , Vegis , QuickMobile , FashionDays


Nu uita sa dai SHARE daca ti-a placut acest articol!


Investește la bursă prin:

80.6% din conturile CFD de retail pierd bani

NOTE & Risk warnings: Your capital is at risk. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 65% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. I AM NOT A FINANCIAL ADVISOR and THIS IS NOT INVESTMENT ADVICE. I am just sharing my opinion and views alone on the market. What you do with your own money is your own responsibility. Seek a licensed CPO or financial advisor before you make any investments. Any references to historical price movements or levels is informational and based on external analysis and we do not warranty that any such movements or levels are likely to reoccur in the future. The financial services provided by this website carry a high level of risk and can result in the loss of all your funds. You should never invest money that you cannot afford to lose. Please be advised that certain products and/or multiplier levels may not be available for traders from EEA countries due to legal restrictions.

In ce investim la bursa ?

Investeste in actiuni la bursa:




Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.