30-dniowe wyzwania na pomoc domowemu budżetowi

Prowadzenie zrównoważonego budżetu domowego to często kwestia nawyków. Pozbywania się tych złych (np. impulsywne zakupy, nadużywanie karty kredytowej…) i budowanie tych dobrych (np. budżetowanie, robienie zakupów z listą).

A jak wprowadzić taki pozytywny nawyk w codzienne życie? Tu z pomocą przychodzą 30-dniowe wyzwania, podpatrzone na zaprzyjaźnionym blogu produktywnie.pl.

O co chodzi? Wyznaczasz sobie określoną zasadę i trzymasz się jej każdego dnia przez kolejne 30 dni. Proste.

Wprawdzie, jak wskazują badania, do wykształcenia na stałe nowego nawyku potrzeba przeciętnie 66 dni. Zatem praktycznie, te 30 dni to tylko połowa drogi, ale jednocześnie dobry czas, by sprawdzić kilka rzeczy:

  • czy ten nowy nawyk w ogóle sprawdza się w praktyce?
  • czy daje widoczne/pożądane efekty?
  • czy pasuje do twojego stylu życia?

Jeżeli po miesiącu wszystko jest w porządku, wystarczy kolejne 30 dni, by zamienić wybrane zachowanie w bezwysiłkowy nawyk, który działa na autopilocie.

Pomysły?

Pozbywanie się jednej rzeczy dziennie. Tego akurat lepiej nie przekształcać w stały nawyk na całe życie, ale na 30 dni nadaje się jak najlepiej ;). „Graty” to często rzeczy, które trzymają nas przy złych nawykach.

Większość ludzi posiada co najmniej kilka-kilkanaście rzeczy, które nie są im potrzebne, których dawno lub wcale nie używali. I nawet nie trzymają ich z jakiegoś sentymentu, ale po prostu z przyzwyczajenia. A jak się głębiej zastanowić, to lista takich „gratów” potrafi się wydłużyć do nawet kilkudziesięciu przedmiotów.

A w uporządkowanym otoczeniu, gdzie mniej rzeczy odciąga naszą uwagę, lepiej się myśli i jest się bardziej produktywnym.

Zapisywanie każdego wydatku, co do złotówki, każdego dnia. Nie prowadzisz domowego budżetu? Wypróbuj to rozwiązanie przez jeden miesiąc. Nawet jeżeli uznasz, że to nie dla ciebie, to pod koniec zostaniesz z bardzo cennym zbiorem danych: kiedy, ile i na co wydajesz. Te informacje naprawdę często się przydają!

Odkładanie 5 zł każdego dnia. Oszczędzanie warto zacząć od drobnych kroków. Jednym z nich jest… regularne odkładanie drobnych. Te 5 zł można łatwo zaoszczędzić rezygnując z pewnych drobiazgów – np. codziennej kawy po drodze do pracy.

Robienie wszystkich zakupów z wcześniej sporządzoną listą. To jedno z najlepszych lekarstw na efekt „znów tyle wydałem, a praktycznie nic nie kupiłem”.

Dlaczego to działa? Rygorystyczne trzymanie się listy znieczula na wszystkie marketowe promocje (a promocje nie służą temu, żebyś wydał mniej, tylko by sklep zarobił więcej; ewentualnie by szybciej pozbył się produktów, którym kończy się termin ważności). Poza tym, wszelkie inne wysiłki sprzedawców, mające na celu skłonienie klientów do kupowania więcej, tracą na znaczeniu – np. specyficzne ustawianie alejek sklepowych (najpotrzebniejsze rzeczy umieszczone jak najdalej) lub ustawianie kuszących drobiazgów przy kolejkach do kas.

Płacenie wyłącznie gotówką. Jeżeli masz w portfelu same karty kredytowe zadłużone pod limit, to jest to doskonałe rozwiązanie dla ciebie. Nie dość, że zaczniesz oszczędzać 20% przy każdym zakupie (brak kredytu = brak odsetek), to – jak wskazują kolejne badania – płacąc gotówką będziesz wydawać mniej.

Fot. Flickr / Lhoretsë. 


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