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One of the great steps taken in life is when the time comes to become independent . It is an advance towards a new path, towards the challenges of individual life, which is quite exciting. According to Eurostat, the age of becoming independent in Spain is 29 years old, on average 21 years old for Swedes. Sooner or later, but the moment ends up coming. At least for the majority. The decision to become independent means that you have to focus on money . Personal finances can be greatly damaged if you do not have good savings habits . You need to make a budget , follow financial planning , cut certain expenses ... In short, living on your own requires some sacrifices that you were not used to making with your money , and now it will be necessary to take into account many factors that can help you. The cost of becoming independent is something to keep in mind. For example, the price of renting an apartment varies depending on the city, but the Spanish average is 500 euros per month. To this we must add the invoices every month. Water, electricity and gas are the fixed expenses you will have. If you also have internet at home or a telephone line, the price will rise slightly. Therefore, it is advisable to take out home insurance to be covered against possible theft, electrical breakdowns, fires or floods, among others.
Otherwise, the disbursement of money in any of these situations can wipe out the payroll for that monthly payment. What are the main recommendations to have a calm emancipation process ? Here you can see the most representative AT&T Email List ones. Look at your expenses and analyze them before becoming independent What expenses can the self-employed deduct? Knowing how much and what you spend money on is essential so that you can evaluate your financial situation and know if it is the best time to become independent. Any prior analysis adds up. To keep everything under control, there are some apps that are very good tools. You will be able to see the movements of your accounts and cards and access expense reports directly from your device.
An option to save is to set aside a certain amount of money at the beginning of the month to avoid spending it. If you do it through a periodic transfer to your savings account, you will be able to save almost without realizing it. In addition, there is the kakebo method , which is based on writing down all fixed expenses, income and objectives in a notebook, so that you are aware of what you use your money for and see if you are making fair use of it. If you have a positive balance at the end of the month, allocate part of it to the emergency fund . We tell you everything you need to know about this savings method. And there are many more, such as the 52-week challenge , the envelope method and a long etcetera. Prepare your monthly budget Budget and invoices in excel If you already know what your fixed expenses are going to be, a good way to monitor your personal finances is to prepare a monthly budget.
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发表于 2024-4-30 16:50:07