A person I know had, for me funny not to say unbelievable, discussion regarding money. The withdrawal of the rent had been delayed/ forgotten and now suddenly 4 months of rent had been withdrawn in the same month. For me that would only mean that the money for rent had been at my account for 4 months but for this person it showed a fat minus on the account. Suddenly the person was in dispo (with interests of 13%) – 600 Euro which is quite a sum to be in minus with…especially if one is not earning much and it is not even a week since the last salary. The best is the absolute resistance confessing that it was its own fault having no money. Reminded me of the post I once wrote that people should take more care of their own economy by structuring it. So what do we learn of this?
- have control of your bills
- keep a budget
- Save (until you have at least 3 months neto salary cash)
Imala sam jednu jako smiješnu, za mene prosto nezamisljivu, diskusiju oko novaca.
Slijedeće se desilo: Kirija nije četri mjeseca povućena sa plate bila, ergo osoba je ovaj novac potrošila. Eh sad, naravno kod švaba nema toga da se nešto ne plati hem skinu četri kirije u jednom mjesecu. Ovo je dovelo osobu do ludila jer je odjednom bio debeli minus od -600 eura na računu. A minus je ovdje gadan jer su kamate od 13 % i dalje. Ovo je pogotovo gadno ako ne zarađuješ puno jer ti je tek onda svaki dinar važan.
Haj sve to, ali najzanimljivije što osoba nikako nije htjela da prizna da je to ipak njezina greška što nije imala para na računu. Ovo me podsjetilo na jedan stari post koji sam pisala o strukturiranju svoje ekonomije. Šta od ovoga možemo naučiti?
- Imaj pregled tvojih računa
- Drži budžet
- Štedi (dok ne budeš imala barem tri mjesečne neto plate )