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Wątek: Kategorie które sprawiają najwięcej problemów

Które kategorie domowego budżetu sprawiają wam najwięcej problemów? Kontrolowanie wydatków na jedzenie, rozrywki? A może zupełnie inna kategoria wymyka się zwykle spod kontroli?

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Najgrosze jest zarządzanie wydatkami które wykonuje się po drodze. Wypłacasz pieniądze z bankomatu, rozmieniasz na drobne i trudno dojść do tego na co się rozeszły.

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Dlatego jedną dobrą techniką jest płacić za wszystko kartą. Wówczas masz lepszy wgląd w statystyki tego jak wydajesz pieniądze i mniejsze szanse na rozmienianie kolejnych sum pieniędzy. Jedna uwaga! Technika może mieć odwrotny skutek jeżeli nie masz absolutnie żadnych drobnych i żeby kupić gumę do żucia zmuszony jesteś wyjść ze sklepu z mniejszą torbą niepotrzebnych zakupów ;-) Jeszcze jakieś pomysły?

Budżet Domowy
Zarządzanie finansami online
http://www.budzetdomowy.pl

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Witam
Tak naprawdę każda grupa wydatków może sprawiać problem, jeśli się ich nie zapisuje. Wszystko zależy od ich skali. Jeśli ktoś buduje dom i wydaje bardzo dużo pieniędzy na materiały, robociznę itp. to jeśli nie kontroluje tego na bieżąco zapisując ile i na co wydał może się okazać, że za jakiś czas brakuje mu sporo pieniędzy.
Rozwiązanie w postaci płatności kartą jest moim zdaniem mało efektywne z uwagi właśnie na te małe zakupy w miejscach, gdzie ta forma płatności nie jest obsługiwana.
Dobrym rozwiązaniem, chociaż wymagającym systematyczności, jest zbieranie paragonów przy każdej okazji i wpisywanie dosłownie wszystkich wydatków np. do prostego arkusza w Excelu. Ja osobiście tak robię od kilku miesięcy i udaje mi się utrzymywać stan moich finansów z dokładnością do grosza.
Pozdrawiam

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Dla mnie największym problemem jest planowanie wydatków na jedzenie, zwłaszcza na zakupy dokonywane codziennie i regularnie. Choćbyum nie wiem jak planował, zawsze okazuje się, że przekroczyłem założony budżet. A to więcej owoców, a to droższa wędlina. Plus jakieś nieplanowane inne bieżące wydatki i cały plan sie sypie.


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Dzięki tej książce ujarzmiłem swój budżet domowy...
http://budzet-domowy.zlotemysli.pl/tomaszpartner,1/

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Może powinieneś bardziej uśrednić wydatki. Wiadomo że za każdym razem idziesz do sklepu z pewnymi założeniami, jednak nie odmówisz sobie, dzieciom owoców, jeżeli na przykład są na promocji i wiesz że za dwa dni i tak musiałbyś je kupić, bymoże po innej cenie.

Właśnie dlatego Budżet Domowy może okazać się tak pomocny. Jeżeli nawet przekraczasz założone wydatki w przypadku większości wypadów do sklepu, to kwota ta w ujęciu miesięcznym nie powinna być przekraczana. Jeżeli jednak przekraczasz budżet miesięczny - zwiększ go.

Budżet Domowy pozwala Tobie monitorować również wydatki w ujęciu miesięcznym. Jeżeli klikniesz "Płatności" w dowolnej kategorii, zobaczysz wykres wysokości wydatków miesiąc w miesiąc. Nie możesz wydawać coraz więcej na jedzenie tak że każdego miesiąca słupek wydatków rośnie.

Budżet Domowy
Zarządzanie finansami online
http://www.budzetdomowy.pl

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Adrian napisał(a):

Dobrym rozwiązaniem, chociaż wymagającym systematyczności, jest zbieranie paragonów przy każdej okazji i wpisywanie dosłownie wszystkich wydatków np. do prostego arkusza w Excelu. Ja osobiście tak robię od kilku miesięcy i udaje mi się utrzymywać stan moich finansów z dokładnością do grosza.

Zgodzę się z Tobą całkowicie. Dlatego właśnie utworzyliśmy Budżet Domowy. Możesz w ten sposób prowadzić swoje rozrachunki równie prosto co za pomocą Excela - nie przeładowujemy aplikacji zbędnymi funkcjami. Jeżeli prowadzisz inwestycję, np. budowa domu to możesz utworzyć odpowiedni zestaw kategorii do tego celu. Budżet Domowy jest prosty jak arkusz Excela, ma dodatkowe wykresy, ale przede wszystkim jest dostępny dla Ciebie i Twojej rodziny online.

Budżet Domowy
Zarządzanie finansami online
http://www.budzetdomowy.pl

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Pozbądź się staroci z szaf, starych czasopism, zabawek i niechcianych prezentów sprzedając je na Allegro. Możesz czasami zdziwić się zarówno tym jak wiele rupieci możesz znaleźć poupychanych po całym domu, jak również jak wiele z nich można sprzedać po niedorzecznie wysokich cenach ludziom którzy kolekcjonują różne zabawki, magazyny i komiksy.

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18

Odp: Kategorie które sprawiają najwięcej problemów

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    Canada Goose

19

Odp: Kategorie które sprawiają najwięcej problemów

Cheap Ugg Boots
    Coach Black Friday
    Michael Kors Black Friday
    Uggs
    Michael Kors Outlet Online
    Michael Kors Black Friday
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    Ugg Boots Black Friday
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    Coach Outlet Store Online
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    Coach Outlet Store Online
    Ugg Boots
    Canada Goose Outlet
    Coach Outlet
    Coach Outlet