Zapraszamy do lektury drugiej części artykułu o domowym budżecie. Znajdziecie w nim informacje o tym co robić gdy już rozpiszemy wszystkie swoje przychody i wydatki. Miłej lektury!
Now it’s time to juxtapose your income and expenses. Take a look at the money you bring in, think for a while and decide whether you are satisfied with it. If not, think of the ways you can make your income grow (changing jobs, improving qualifications, taking up odd jobs). Subsequently, investigate all your expenses and see if there’s anything you can improve upon here (Maybe you are spending too much on food, clothes or beauty treatments? Is there anything you don’t really need or use anymore?).
Having done that, subtract your overall expenses from your income. Hopefully you will get a positive number! All the remaining money after doing the math is your “profit”. What now? If you haven’t already, it is reasonable to start saving money for your retirement (circa 15% of your profit will do). One of the key points to consider is a budget/account for unforeseen expenses and this is one of paramount importance. You just have to incorporate this idea if you don’t want your general home budget to fall into pieces. Accidents will happen, they say, and it’s precisely what life is about. Don’t forget to save at least 50-60% of your remaining budget for this purpose (Some possible “accidents” may include: doctor visits, medicine and treatments, car repairs, broken devices you need to replace immediately, etc.). We are down to about 30% of the profit. Here is when your personal needs come into play. Among other things it can be, for instance, saving up money for a holiday trip next year, a new car, coffee machine, computer, etc. Be patient and you will see how your financial situation and, consequently, life will change for the better!
– juxtapose – zestawiać
– change jobs – zmieniać pracę
– improve qualifications – podnosić kwalifikacje
– take up odd jobs – podejmować się prac dorywczych
– subtract – odejmować
– profit – zysk
– unforeseen expenses – nieprzewidziane wydatki