important rule into practice:
Posted: Mon Dec 23, 2024 4:36 am
ck whether you are not getting closer to the planned amount as the month goes by!
Remember that each month can be different – in January you will probably spend more money on heating and energy, and in July you may need extra money for a trip.
According to the report Student's Portfolio. Edition VIII September 2023 , the average monthly expenses during studies, including tuition, apartment rental and typical living expenses, are PLN 3,867.06 (calculated for an example student from Łódź - you can compare the exact values of individual categories in the report).
Plan your budget, check philippine cp number your intentions in practice and s when planning your budget – check which category of expenses you spend the most money on and consider whether you can make any changes. Eating out less, a temporary ban on extra purchases, or maybe unsubscribing to streaming services you don't have time for anyway? Find the culprit and cut your costs!
If you still have moments below the line, consider whether the problem isn’t unexpected expenses – a dentist, a present for a friend’s birthday, or a date you don’t want to postpone? You need savings to manage them!
Savings – first things first!
Most people say: " I have nothing to save - I have nothing left at the end of the month! ". This is a wrong way of thinking! Those who save simply make a transfer to a savings account (or save in any other way) immediately after receiving their salary.
86% of students regularly put money aside, even if the amounts are small (source: Student's portfolio. Edition VIII September 2023 , Report of the Warsaw Institute of Banking in cooperation with the Polish Bank Association).
That's why you have a budget, to plan in advance what expenses you'll have this month and how much you can realistically save. After writing it down in your budget, immediately transfer the set amount to the sub-account .
This money doesn't exist for you - it is not included in the amount designated for expenses (to mark this in the budget, create an additional category: "Savings") and you can only use it in situations related to its purpose (more on that in a moment!).
Remember that the most important thing is habit – it is better to save modest amounts regularly than larger amounts of money only when necessary.
There is also no point in denying yourself everything – don’t go crazy with the amount of payments, because you will quickly lose motivation. In on cash for basic bills? Or maybe you have enough for the essentials, but not much left for going out with friends, personal
And if you are just preparing to change jobs? During the event, you will create a CV under the supervision of experts, take a professional business photo in the free Photo Zone and improve your qualifications at Talent Class workshops with practitioners. Check out what else will be happening and register today!
Remember that each month can be different – in January you will probably spend more money on heating and energy, and in July you may need extra money for a trip.
According to the report Student's Portfolio. Edition VIII September 2023 , the average monthly expenses during studies, including tuition, apartment rental and typical living expenses, are PLN 3,867.06 (calculated for an example student from Łódź - you can compare the exact values of individual categories in the report).
Plan your budget, check philippine cp number your intentions in practice and s when planning your budget – check which category of expenses you spend the most money on and consider whether you can make any changes. Eating out less, a temporary ban on extra purchases, or maybe unsubscribing to streaming services you don't have time for anyway? Find the culprit and cut your costs!
If you still have moments below the line, consider whether the problem isn’t unexpected expenses – a dentist, a present for a friend’s birthday, or a date you don’t want to postpone? You need savings to manage them!
Savings – first things first!
Most people say: " I have nothing to save - I have nothing left at the end of the month! ". This is a wrong way of thinking! Those who save simply make a transfer to a savings account (or save in any other way) immediately after receiving their salary.
86% of students regularly put money aside, even if the amounts are small (source: Student's portfolio. Edition VIII September 2023 , Report of the Warsaw Institute of Banking in cooperation with the Polish Bank Association).
That's why you have a budget, to plan in advance what expenses you'll have this month and how much you can realistically save. After writing it down in your budget, immediately transfer the set amount to the sub-account .
This money doesn't exist for you - it is not included in the amount designated for expenses (to mark this in the budget, create an additional category: "Savings") and you can only use it in situations related to its purpose (more on that in a moment!).
Remember that the most important thing is habit – it is better to save modest amounts regularly than larger amounts of money only when necessary.
There is also no point in denying yourself everything – don’t go crazy with the amount of payments, because you will quickly lose motivation. In on cash for basic bills? Or maybe you have enough for the essentials, but not much left for going out with friends, personal
And if you are just preparing to change jobs? During the event, you will create a CV under the supervision of experts, take a professional business photo in the free Photo Zone and improve your qualifications at Talent Class workshops with practitioners. Check out what else will be happening and register today!