The story of Calmy

“Today you loose deposit” phone bank clerk said, “What do you want to do with the money?”

I was in the middle of lunch at work and around a lot of noise and a few minutes already starting the next meeting. “So shut me what was released for another month,” I said. Behold the Beauty solved the problem and I also saves and invests more comfortable future.

“No problem, cover the overdraft?”

What ?! I stopped chewing for a moment … What’s hasty negative ?!

After a few minutes of questions and answers and delay the inevitable next meeting I realized that in recent months I spend more than I put in and I created a small minus bank and even though I have to cover the same bank savings may calm but I do not.

After all, I started to track my expenses and just minus I try to avoid then but I still minus?

The idea is that when I see exactly how much I spent and on what, I can calculate my income against the economic balance. Do I put the average over the year more than I spend, or as is the case for many (perhaps very many) puts less than I spend? I decided to tighten and be alert to the issue of registration expenses.

Shopping in cash were recorded in a small notebook every day and kept the receipts, checks were listed in the attachment with precise details. In the following weeks at the end of each week (a week! Not a month!) I wrote that I built in Excel jealously various expenses after a period of my sketches of a few months I could calculate the average and it was really high.

I was looking for what my expenses are much higher … and found!

Who eats a lot out there, out entertainment and dating in the level and accustomed to pay, shopping without the expense and more .. issue really a lot of money.

Following registration began slowly to change my behavior. A Date? Great go have a cup of coffee and talk. Dinner? Not always eat out it really cheaper as I sold myself, eat at home. Shopping? Make a list and buy what you need and we will listen to a neighbor who told me that the store neighborhood is hugely expensive and it is better to go 5 minutes by car and buy a lot cheaper.

I also began to question the prices of various suppliers who always paid their bill with a straight face. There were some unpleasant phones provide my cable TV but I managed to lower the price. I also doubt the phone and downloaded the price.

Minus I have to tell you first of all growing a little, then decreased and finally disappeared completely.

Today, I’ve seem many years and expenses in a sophisticated manner and efficient barely spend time. Various envelopes that come my wife and I opened and arrange weekly binder by topic (bank, credit card, insurance companies …), and once a week also prescribe the bill of entry of bells expenses.

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