Smarter_way_USA

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.


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