V иметь связь, родственные отношения be related to (with) состоять в родстве, e g
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| STEP 3: Create the budget
Now comes the hardest part, especially if you’ve been spending more than you earn every month: figuring out which spending habits you need to change, so that you can save more money. First, realize that budgeting isn’t a board game with one rigid set of rules for everybody. It is all about choices — what you can live with (and without!) to stay on target. “One family might prioritize organic food, which means new toys for the kids every week or Starbucks every day can’t be priorities, too,” explains Stephanie Holmes-Winton, a financial planner in Halifax. “If everything is a priori ty, nothing is a priority .” The Zussinos’ budget, for instance, has a heavy emphasis on groceries, but they couldn’t care less about home electronics. “We don’t see a need for a big screen TV when we live blocks from the beach and prefer to go out for a family walk in our spare time,” says Lina. The Zussinos also strive to earn additional money by turning hobbies into income. A gym rat, Lina used to spend $720 a year on a fitness-club membership. She now teaches a class and, in exchange, gets that same membership for free. They’ve also turned their passion for bargain shopping into groceryalerts.ca, a blog they run in their spare time. Three and a half years later, the site now attracts advertising dollars — enough to make a dent in their Venice vacation fund. A look through your spending log will help you identify the areas where you spend most, and help you see where there’s room to cut back and save. If that sounds too loosey-goosey for you, consider what Yih calls “a disciplined spending plan.” You divide your money into four quadrants: spending, saving (for emergencies), sharing (charities) and investing (for the future, be it retirement or your kids’ education). Let’s say you decide to allocate 80% of your income toward spending, 5% toward saving, 5% toward sharing, and 10% toward investing. Your predetermined ratio would apply to any money that comes in, whether it’s your regular paycheque, a bonus or inheritance. “ This really helps people to avoid winging it,” Yih says. жүктеу/скачать 31,52 Kb. Достарыңызбен бөлісу:
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