Reducing monthly expenses forms part of many people's good intentions. Ecco alcuni consigli pratici per gestire le tue spese e il tuo budget familiare, risparmiando ogni mese.
Online you will find many more or less effective tips for saving but remember that to minimize unnecessary monthly expenses, planning is essential.
Risparmiare non è mai stato così facile
Track your monthly expenses
Before starting to talk about behavioral models and secrets for managing the family budget, we must think that reducing expenses is like running a marathon and not a speed race. A useful tip is to monitor how you spend your money each month. A good way to do this is to collect all the invoices and receipts from the previous month and take note of all the movements, perhaps through an app to manage expenses.
It is a tedious and repetitive task but being able to view all the monthly expenses at a glance is a great way to evaluate which are the essential expenses, such as the mortgage or the rent, and those that can be limited or eliminated. Only if you are aware of how you spend your money will you be able to better manage your finances.
Saving is a priority, not a final prize
The basic principle of finance is based on the traditional subtraction of expenses from income, resulting in savings: expenses - income = savings. However, the reverse trend is becoming increasingly popular and that is to subtract savings from a priori income: income - savings = expensed.
Considering savings as a priority aspect of the operation and not the result of it, we are taking into account from the first instant of the month the percentage of savings we must achieve. In this way, the amount of money is deducted immediately, spending less each month and accumulating more money. To do this, as soon as you receive your paycheck, subtract the percentage you will set aside. That portion of the salary will be your savings.
Un conto risparmio può rivelarsi uno strumento utile per mettere da parte dei soldi e migliorare la gestione delle tue spese, come il Conto Salvadanaio di BBVA, un salvadanaio digitale online gratuito interamente dedicato ai tuoi risparmi, per piccoli e grandi obiettivi.
Anche BBVA ti dà una mano a risparmiare. Tutti i nuovi clienti potranno ricevere un bonus cashback, semplice e immediato, grazie agli acquisti fatti con la Carta di Debito BBVA.
Il Cashback 4% BBVA ti darà ogni mese, direttamente sul tuo conto corrente, un 4% di rimborso su tutti gli acquisti, fino a una spesa massima di 200€ al mese.
An App to manage expenses
Always keep your financial situation under control from your smartphone in an easy and intuitive way.
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To achieve financial independence, it is essential to save money and manage your budget better. Ecco alcuni consigli.
