People who make less money need to think more about their economy than people who have more things to deal with, "said Margareta Lindberg, an investigator at the Consumer Agency.
Not checking is the worst trap, because the margins are very small. Now for Christmas shopping, it's easy to get involved in a big shopping street, even though you don't really have money.
The budget is very important. Include all income, salary and child support and more, and reduce fixed costs. Rentals, loans, all subscriptions and insurance and fees for, for example, cars. If you start there, you will see what ends, "Margareta Lindberg said.
Get low fees
Awareness of what changes into clothing, food and other things makes it possible to plan and plan, he explained.
But it is also possible to see which fixed costs are too high, said Sharon Lavie, economist at Ikano Bank.
Those with small economies must try to get the lowest possible cost. Many subscriptions for electricity and the like can be negotiated, and you can review the cost of the media, he said.
Lavie also thinks that one must consider what is really desired and needed. A car costs a lot and may also require sudden expenses that are not good if it is damaged.
What's positive now is that there will be new solutions, such as car pools for example. You may not need to have yourself, said Sharon Lavie.
Easy to be interested
Margareta Lindberg thinks that she will make her budget with a perspective throughout the year, because the bills and fees are a little different throughout the year.
Then you can also get a preview so you can plan for Christmas and holidays, "he said.
The best part is spending money all year long.
However, for many people, there is so much money left after the fixed costs that they lose their sleep. Then it's easy to get rid of loans, purchase invoices and offers to share costs over time. However, both Margareta Lindberg and Sharon Lavie wanted to warn her.
"Buy now and pay in February", it makes you live in a leap. If you don't have money now, you probably won't have it in February, "Margareta Lindberg said.
Those who buy in installments easily owe, he stressed.
Payment binds you. It will always be more expensive. In addition, there are so many things to track, and the risk is to miss something when you have lots of bills like a small plate, said Sharon Lavie.
What makes you happy?
Buying can be like comfort, he said.
I bought that cheap sweater just because I wasn't able to travel that I really dreamed of. You think that you get so little that there is no idea to be saved, Lavie said.
However, they don't have to, they both think.
If you think about what makes someone happy, in the short and long term, it will be easier. If you really want to do something, it's easier to save, rather than spending money on small things, said Sharon Lavie.
Besides that, in our social media age everyone seems to be able to buy everything: ski holidays, summer trips, fantastic afternoon lunches, and nice clothes.
There are very few who can afford everything. It's better to have a goal, and to paint it as something fun to save, "Lavie said.
Both also want to warn of strutnessality: just to ignore everything until everything crashes.
Difficult when picking up the shoulder. But don't do it. Contact and tell the company that you can't pay, they can delay the date. Then you will lose reminder fees and possibly collection requirements, said Sharon Lavie.
You can also get help.
The municipal budget and debt advisor said that many people came late to them when they arrived at the Supreme Court. So the opportunity is often small to do something, like replacing some bad credit with a better one. But if you arrive on time, you will get better, "Margareta Lindberg said.