Record keeping.

No matter how many people earn, the tendency to spend exceeds their needs, and there is always a lack of money. The key thing is to be honest with yourself. What to do when you realize that there is a hole in your personal finances?

It is important to take control of cash flows and expenses.

Analyzing monthly expenses leads to the discovery of unwanted expenses, which leads to stress instead of joy.

GooglePlay has a lot of applications that will help solve this problem. I use CoinKeeper.

With economy, the meaning of keeping records of income and expenses disappears, but only if two conditions rules:

Set aside savings on the airbag that cover the expenses of the family, considering the cat or dog, for 3–6 months.

When money was on the account, you immediately put it aside for long-term goals under your personal financial plan.

Thus, the information that money is “available” brings joy, and possibly happiness.

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