To najbardziej mierzalna kategoria w kompasie. Jednak nie chodzi w niej o to, ile zarabiasz. Nie chodzi też o saldo Twojego konta. Trzymanie się podstawowych zasad zdrowych finansów uchroni Cię przed dodatkowym stresem, a w zasadzie może ustrzec Ciebie przed poważnymi kłopotami.
Nie wydawaj więcej niż zarabiasz i odkładaj pieniądze na nieprzewidziane wydatki. Do tego powinieneś mieć kontrolę na co wydajesz pieniądze. Ta wiedza przyda Ci się, gdy będziesz szukać miejsc, w których możesz obniżyć koszty życia. Swoje zobowiązania reguluj terminowo. Dzięki temu unikasz dodatkowych kosztów, ale traktuj to też jako budowanie zaufania. W sytuacji, gdy z jakichś powodów Twoja płynność będzie zachwiana, masz dużo większe szanse na zrozumienie – oczywiście jak nie schowasz głowy w piasek, tylko podejdziesz do sprawy odpowiedzialnie.
Nie kupuj niczego pod wpływem chwili czy emocji. W finansach to nie jest dobry doradca. Chciałbym powiedzieć, że jest nim tylko excel, ale często wystarczy kalkulator i zdrowy rozsądek. Zadłużaj się w sposób przemyślany. Dług na poczet inwestycji, która przynosi dochód, nie jest tym samym długiem, co przeznaczenie go na dobra konsumpcyjne. Za tę samą kwotę możesz kupić mieszkanie na wynajem, jak i wypasiony samochód. Jednak to pierwsze samo może spłacać kredyt, zyskać na wzroście wartości i jeszcze dać Ci dochód, a to drugie będzie generować koszty i jeszcze będzie tracić na wartości.
Przykłady nawyków:
1. Zaraz po wpływie pieniędzy na Twoje konto, przelewaj co najmniej 10% na osobny rachunek, do którego nie masz karty płatniczej.
2. Wydatki stałe (takie jak czynsz i inne opłaty) opłacaj w terminie, stałym zleceniem. Najlepiej z osobnego rachunku, który wcześniej zasilaj odpowiednią kwotą zaraz po wpływie Twojego wynagrodzenia.
3. Na bieżąco rejestruj i planuj swoje wydatki… możesz do tego wykorzystać narzędzia i aplikacje dostępne w internecie lub udostępniane przez Twój bank. Do kontroli wydatków możesz wykorzystać też osobne rachunki bankowe dla różnych kategorii. Inny rachunek opłaty, inny zakupy, inny oszczędności i jeszcze inny rozrywka.
Jak wygląda Twoje zadanie? (Czas potrzebny na realizację około 30 minut.)
1. Powróć do swojego kompasu, na którym znajdują się Twoje oceny poszczególnych kategorii.
2. Weź czystą kartkę i na jej górze zapisz nazwę kategorii, jaką dzisiaj się zajmujesz.
3. Następnie zacznij od: Mój obecny stan oceniam na … i opisz w kilku zdaniach, jak wygląda Twój stan obecny i czego Ci w nim brakuje.
4. Poniżej opisz, jak chcesz, aby wyglądał Twój stan i ocena do jakiej dążysz w najbliższym czasie.
5. Wymień kilka sposobów, jak możesz doprowadzić do stanu docelowego. Najlepiej jak są to przykłady zmiany złych nawyków i zastępowania ich tymi, które sprzyjają w osiąganiu stanu pożądanego w danej kategorii. Nie gardź też konkretnymi zadaniami, choć ich poszukuj w drugiej kolejności i na razie nie myśl, kiedy je zrealizujesz. Na to przyjdzie jeszcze czas.
Uwaga!!! Jeżeli trafiłeś tu pierwszy raz, proszę zacznij od wcześniejszych kroków… możesz zacząć kiedy chcesz, ale kolejność ma znaczenie. Zacznij od wpisu Twój plan na najbliższe dwa tygodnie
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Na bieżąco rejestruj i planuj swoje wydatki… możesz do tego wykorzystać narzędzia i aplikacje dostępne w internecie lub udostępniane przez Twój bank. – z jakich Ty Wojtku korzystasz, czy może jednak excel?
Zacznij od excela… są nawet gotowe szablony w samym excelu i masę innych znajdziesz w necie. Tak naprawdę z aplikacją musisz poszukać coś co będzie Tobie pasować. Ja próbowałem kontomierza i jestem pod wrażeniem kwestii związanych z ułatwieniem importu danych z rachunków bankowych, ale zawsze pojawia mi obawa o poufność danych. Obecnie poważnie rozważam zmiany i powrót do excela w połączeniu z wykorzystaniem aplikacji jaką daje mBank i pewna automatyzacją reżimu budżetowego realizowaną przez posiadanie odrębnych rachunków bankowych w zależności od budżetu – w mBanku możesz mieć chyba 10 rachunków bez opłat dodatkowych.
Dzięki – mam te same obawy co do zewnętrznych aplikacji pobierających różne dane – co jak twórcy przestaną aktualizować aplikację, jej zabezpieczenia w czasie gdy „cyberprzestępcy” nie śpią? 🙂
kierunek z różnymi rachunkami do różnych płatności wydaję mi się bardzo ciekawy, mam sporo różnych rachunków, wiele bez środków na koncie… – z przyjemnością skorzystam z pomysłu i uporządkuję to w jakiś logiczny i sensowny sposób.