Że grudzień to zły czas na oszczędzanie? Bo święta, Nowy Rok, prezenty, rodzinne wyjazdy? Jak się nad tym zastanowić, to tak naprawdę nigdy nie ma „idealnego” czasu, by zacząć oszczędzać.

Po Nowym Roku zaraz mogą wypłynąć kolejne wydatki – np. ubezpieczenie samochodu, opony zimowe (jeżeli jeszcze nie masz), przyjdzie pierwsza faktura za ogrzewanie w okresie, w którym już naprawdę jest zimno…

Zaraz potem będą ferie zimowe, więc – jeżeli masz dzieci – to znów wydatki. W międzyczasie pewnie pojawi się konieczność kupienia nowych ubrań czy butów na zimę.

Ani się obejrzysz i już będzie Wielkanoc. I znowu pieniądze pójdą na jedzenie, dojazdy, prezenty i inne większe lub mniejsze rzeczy związane z tą okazją.

Tuż po Wielkanocy – majówka. Potem – wakacje. Jeszcze później – początek szkoły, nowa wyprawka i podręczniki…

Można wyliczać i wyliczać, a wniosek zawsze będzie ten sam: praktycznie w każdym miesiącu będziesz mieć jeden większy (zaplanowany lub nie) wydatek, który będzie doskonalą wymówką do tego, by powiedzieć sobie: „zacznę oszczędzać, ale od przyszłego miesiąca”. Zawsze tak jest.

Dlatego: zacznij oszczędzać już dziś!

Oto kilka rzeczy, które możesz zrobić już teraz:

  • Zacznij zbierać paragony. Odłóż je w jedno miejsce i na koniec tygodnia podlicz swoje wydatki.
  • Zaimportuj swoje konta do Kontomierza – zobacz ile masz pieniędzy, jakie kategorie wydatków najbardziej ciążą na Twoim budżecie i zacznij planować swoje finanse.
  • Odłóż 2 zł lub 5 zł do skarbonki (lub słoika, jeżeli akurat nie masz pod ręką skarbonki). Jutro zrób to samo. I pojutrze. I jeszcze kolejnego dnia…
  • Przeczytaj jakiś losowy wpis na naszym blogu i dowiedz się czegoś nowego o finansach osobistych i produktach finansowych. Np. artykuł o tym, jak oszczędzać na zakupach.
  • Zacznij poważnie myśleć nad zbudowaniem funduszu awaryjnego ze środkami na nieprzewidziane wydatki.
  • Przejrzyj ofertę kont bankowych i sprawdź czy nie przepłacasz za swój ROR.
  • Zrób listę na swoje następne zakupy. I włóż do koszyka tylko to, co masz na liście.

Fot. Flickr / alykat


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