spending time, with our accounts under control!


Here we are back in the hot period of the year and not just because the temperatures are definitely rising: summer calls for expenses, both for the always heartfelt theme of the holidays, and for some new garments for our wardrobe (the sales, after all , they are always around the corner).

Well, how to have our expenses under control throughout the summer and, hopefully, even when the rigors of autumn and the first winter snows begin to appear? Don’t worry: in the next few lines we will see how not to get too hot our credit cards, how to have the situation of our finances always under control and how not to be afraid of being “dry” just when the road would ask us to push a little more on the accelerator pedal (the metaphorical one made in the shape of a banknote!). Are you ready? Buckle up, then!

FROM BANKING APPLICATIONS TO THOSE FOR THE HISTORY OF EXPENSES

In the beginning was home banking: a tool that allowed us (and still allows us, of course) to always have an open window, or at least that can be opened, on everything related to our expenses. Just enter our data and our password (we recommend: secure!) In a convenient application provided to us by our bank, et voilà: everything we need to know about the latest movements to and from our account, card expenses, bank transfers, telephone top-ups and much more.

Much more, it is true, but not everything: perhaps we do not have the pulse of how we spend our money. Obviously we can know how much, but the how, here, that’s another matter. Fortunately, they have also invented applications that allow us to divide our expenses by sectors. What are we talking about? It’s simple: we will be able to get a picture of how much money we have spent, during the current month, for the utilities of our apartment, for the rent, for our vices, for dinners out and much more. All well ordered, also on the basis of different colors, in such a way as to immediately give us the idea, through a glance, of the opportunity to buy that new costume that we saw in the window, if we have the possibility to be grabbed by all those sequins or if perhaps it would be better to wait until next month to complete our much desired purchase.

Of course, it might seem too rigid a way to manage the domestic economy, but do not worry: it is a question of «getting carried away», of learning to read the data and to behave accordingly; Of course, at first it will seem a bit like a game to the massacre for our voluptuousness, but in the long run it will be a game that will be worth the candle, because a current account in order is really able to make us sleep peacefully.

In short, let’s rely on technology: both the slightly older one, such as classic home banking, and the decidedly more modern one, as with regard to account management applications. Everything will be precisely ordered, both in the bank and in our heads and we will know when to hold ourselves back or when we can indulge in vices and extravagances, especially in view of a summer that smells of rebirth!


Source: RSS DiariodelWeb.it Economia by www.diariodelweb.it.

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