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Your appetites, or think about whether you need this thing at all, says Sergey Makarov . He advises to resort to loans only in extreme cases. For example, when a car is needed for work and with its help it will be possible to earn more. Step Forecast future expenses In order for the financial result of all your actions to be positive, you need to use a comprehensive approach. Income should come from different sources, and when spending, you need to use every opportunity to save. And most importantly, future expenses should be included in the budget right.

Away. If you want to make a budget for the next year, you need to start with philippines telegram mobile phone number list your income. And then work from there. Subtract mandatory expenses from the resulting amount loan payments, food expenses, vacations, etc.. Then budget for savings for your goals. And only then distribute everything that is left, advises Sergey Makarov. Step Increase your income Easier said than done. But setting a goal has one good side effect. It forces you to look for opportunities to make money where you normally wouldnt see them. This is easy to explain. If you want something very much,.

But your current salary does not allow you to save up for it, you start thinking about how to earn more. And then there are options find a new job, change your profession, agree to an evening job or improve your qualifications. Choose at your own discretion. And then we will see. When you purposefully search, you usually find. this is interesting Personal financial crisis Theres less than a thousand rubles left on your card, and theres still a week until payday? Well tell you about options to hold out during a personal financial crisis Read more Step Cut.