How nice in the evening to take a good book and immerse yourself in interesting reading. Do you agree with us?" That is why we are starting a new tradition and opening a column for mothers and children — Good books! To help us in this will be Maria Mirzoyev, the author of a similar column of our profile instagram @blogimam, account @masha_sophie_days and blog Ptenchiki.
The first swallow reveals the secrets of the correct distribution of the family budget. Intrigued? Meet the book "Trick or treat?"from Vicky Robin and Joe Dominguez.
The main purpose of the book: to acquaint the reader with the program of gaining financial independence in 9 steps.
The book goes a little beyond the topic of saving and managing money. And this, I think, is very correct.
The main plot
Why before a salary it is necessary to tighten a belt? Why, with wages rising, can we still not afford what we want? We live in a society of consumers who are prone to constant growth, otherwise-Hyper-consumption.
And us, mom, that goes first. Who doesn't want to buy their baby everything new? Orthopedic shoes for first steps — 4000 rubles, designer body suits and slips for the rapidly growing newborn over 100,500 units, Stokke, not to hit the dirt in front of other instname, highchair Tatamia certainly. Further-more. Mass branded toys for recreation and development — only have time to get the card and bills from your wallet.
Children are an inexhaustible gold mine, a real industry. And now the money is not enough. The family budget is bursting at the seams. We begin to borrow, save on themselves, on vacation, on her husband. Familiar situation?
Climax, or author's advice
The authors offer a lot of advice on this topic, the whole program in 9 steps, but I'll tell you what seemed useful to me personally, as a mother on maternity leave. So, 4 Council:
Honestly describe your financial situation
Track income (everything, including help from relatives) and expenses (do not forget to take into account mortgages and loans). Calculate how much you (or family) are worth-taking into account property, deposits, debt obligations.
Introduce strict cost accounting
Every penny in the notebook. Then there will be a clear vision of the situation-where the money goes. It is better to have detailed categories. A log of my spending to be sure! This allows full control of the situation.
Learn thrift and fight Hyper-consumption
The whole point is that Hyper-consumption is the inability to enjoy life, what you have, and use it to the fullest.
You need to understand your true needs, so to speak-to master the art of smart shopping. It is always a series of decisions-to buy farm meat, and a battery of canned food, to take a fashionable Finnish demi-season jumpsuit for the first spring in the store, or used. The same semi-annual change of one iPhone to another-it says something, right?
Understand and comprehend your work
It is very convenient in the decree. Ask yourself simple questions — why am I doing this? To cover travel expenses, Lunches in the dining room and a suit for the office? Does the job provide for my real needs or does it pay for itself?
You need to understand that we work for a limited period of time, and you need to spend it on something that makes sense for you personally.
The authors suggest a different lifestyle, which is significantly out of the General trend: learn to enjoy what you have, acquire less, and stop at the point when we have enough, but do not slide into hyperconsumption in the pursuit of happiness and a sense of satisfaction.
It is important to note that many tips, especially regarding deposits and investments are more relevant to US residents.
Who is this book for
The book will be a go-to vyruchalochka for all who need help in managing their money or the family budget. 🙂