Make a list of needs for which your family spends money. Then take away from these priorities and vital, which is enough 9 / 10 of your family income. The rest will simply erase – to better times. They say that a reasonable savings helps to appreciate what you have. This rule is in effect until such time as the economy does not turn into greed, because the latter – a disease rooted in fear of poverty. Approximately 3-5% of the proceeds afford to spend on fun – and do not feel sorry for them! Saving on everything, you risk losing the taste for life, besides your children will copy your model behavior into adulthood may have a problem with money. Even if your family today is not the best of times, it's not a reason to develop a morbid attitude toward money! Trying to gain every penny, you would like devalue your life: do not enjoy today, do not believe in abundance tomorrow.
Such excessive savings will never lead to financial success, because if you're afraid of losing even a penny when you spend themselves do not, then how can part with their money by investing in your future? .. We put a long-term financial goals! If any money "hands, the" need to think about tomorrow. Children grow up, I want to give them a decent education. The apartment is required periodically to make repairs, and a new car would be good to buy! Specialists in the planning of Finance advised to always defer 10% of their income in reserve – in order to ensure currently stable. If you are unsure how to proceed, check out Fairstead.