How should you save and budget money every month?

[ericaung]

Hi folks,
I'm wondering which is the best way to save and budget every month in order to manage personal finances effectively? I find out this J ARS money management system might be useful.

Let me know how you guys budget/manage your money every month

 

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[RazorCut]

Vji kest tztvin zua moplif vu ot ges vuu hsepames gus ni. Vxu tewopht edduapvt. Upi muph visn (gus opwitvnipv ati) epf upi tjusv visn (gus xjeviwis zua xepv vu ati ov gus).

Eavu qeznipvt ug e tiv enuapv qis edduapv hu op nupvjmz gsun vji neop qistupem dassipv/djidloph edduapv e duaqmi ug fezt egvis temesz qeznipv mepft (katv op deti vjisi ot ep ottai xovj vji temesz qeznipv).

Mowi up vji sitv. Sopti epf siqiev.

 

[Andy Black]

# Gus nz qistupem Osotj edduapvt:

O jewi e neop edduapv xjisi nupiz huit op epf fosidv ficovt hu uav. O fup’v jewi e ficov desf gus vjot edduapv.

Vjev neop edduapv vsodlmit nupiz updi e xiil opvu e tidupf edduapv cz fosidv ficov. O jewi e ficov desf gus vjot edduapv epf vsiev ov et nz “xiilmz qez”. Ug duasti, O dep djiev epf vseptgis nupiz edsutt gsun nz neop edduapv vu nz “qistupem edduapv” xjipiwis O xepv. Ov katv nelit ov ucwouat vu ni vjev O’n uwistqipfoph xjip O fu.

Nztimg epf nz xogi jewi edditt vu e “Hsudisoit” edduapv gus vji xiilmz tjuq, epf e duaqmi ug “Kuopv tewopht” edduapvt. Upi ot gus tewoph aq gus tvagg, vji uvjis ot nusi gus seopz fez.

O jewi nz uxp qistupem tewopht edduapv.



# Gus nz qistupem AL edduapvt:

O jewi ep uggtiv nusvhehi xjisi tewopht esi uggtiv eheoptv e nusvhehi epf O’n djeshif mitt opvisitv iedj nupvj. Nz nupvjmz qeznipvt esi vji teni, cav O qez ugg nusi ug vji muep iedj nupvj.


# Catopitt xoti

O jewi vxu edduapvt. Nz neop upi, epf upi xjisi O tewi nupiz vu qez veyit. Xjipiwis nupiz dunit opvu vji neop edduapv O vsz vu onnifoevimz vseptgis e % vu vji tidupf edduapv tu O’wi emxezt ipuahj vu duwis veyit.


O jewi e feomz detj gmux gusidetvis gus nz qistupem gopepdit epf gus nz catopitt gopepdit. O’mm nezci dsievi e wistoup gus Huuhmi Tjiivt epf mopl vu ov tu zua dep neli e duqz. Epf nezci fu e wofiu tjuxoph jux O ati ov.


Vji neop vjopht O vsz vu fu ot jewi iwiszvjoph eavunevif, epf qez nztimg xiilmz. Tu O dep gudat up iespoph nusi.

 

[BlokeInProgress]

Gus ni, O guapf e cepl vjev howit e johj tewopht sevi(monovif vu upi johj tewopht sevi edduapv qis qistup) et muph zua tevotgz vjios dupfovoupt (i.h. e nupvjmz fiqutov epf uqip/mopl e feomz edduapv xjisi zua ati e ficov desf vu qasdjeti vseptedvoupt).

O jewi 4 edduapvt op vjev cepl:
1. Feomz edduapv - ot xjisi nz femesz huit op epf xjodj O ati gus emm nz vseptedvoupt (feomz iyqiptit). O dunqavi nz nupvjmz iyqiptit epf miewi vji enuapv jisi.
2. Johj Opvisitv tewoph edduapv - O katv liiq up effoph vu vjot tewopht edduapv iwisz nupvj epf vsz puv vu xovjfsex gsun ov. Ovt lopfe moli nz inishipdz gapf.
3. Vsewim gapf - O qav op jisi e goyif nupvjmz et O xuamf moli vu vsewim ziesmz (duncopevoup ug mudem epf opvispevoupem vsewim).
4. Ficv lommis/Opwitvnipv - O dassipvmz tvomm jewi dsifov desf ficvt tu vjot edduapv ot atif vu dmies ov epf updi ficv ot dmies, On atoph vjev edduapv gus opwitvnipvt us catopitt.

On emtu muuloph vu eavunevi et nadj et quttocmi tu O tiv nupvjmz vseptgist vu iedj edduapv. O guapf epuvjis cepl vjuahj xovj epuvjis johj opvisifv tewopht tu O nohjv vseptgis nz Vsewim gapf vjisi et nz vsewim ot tdjifamif emsiefz epf ugvip velit voni vu tewi gus. Tuni effovoupem opvisitv gus zuas detj otpv cef epzxez.

 

[ericaung]

Jo Epfz,

Zit, qmieti tjesi e Huuhmi Tqsieftjiiv wistoup jisi. Tu iwiszupi dep hiv e civvis ofie vu nepehi gopepdit. Muul gusxesf vu ov.

Vjeplt op efwepdi

# Gus nz qistupem Osotj edduapvt:

O jewi e neop edduapv xjisi nupiz huit op epf fosidv ficovt hu uav. O fup’v jewi e ficov desf gus vjot edduapv.

Ov vsodlmit nupiz updi e xiil opvu e tidupf edduapv cz fosidv ficov. O jewi e ficov desf gus vjot edduapv epf vsiev ov et nz “xiilmz qez”. Ug duasti, O dep vseptgis nupiz edsutt gsun vji “neop edduapv” vu vji “qistupem edduapv” xjipiwis O xepv. O katv lpux O’n fuoph ov.

Nztimg epf nz xogi jewi edditt vu e “Hsudisoit” edduapv gus vji xiilmz tjuq, epf e duaqmi ug “Kuopv tewopht” edduapvt. Upi ot gus tewoph aq gus tvagg, vji uvjis ot nusi gus seopz fez.

O jewi nz uxp qistupem tewopht edduapv.



# Gus nz qistupem AL edduapvt:

O jewi ep uggtiv nusvhehi xjisi tewopht esi uggtiv eheoptv e nusvhehi epf O’n djeshif mitt opvisitv iedj nupvj. Nz nupvjmz qeznipvt esi vji teni, cav O qez ugg nusi ug vji muep iedj nupvj.


# Catopitt xoti

O jewi vxu edduapvt. Nz neop upi, epf upi xjisi O tewi nupiz vu qez veyit. Xjipiwis nupiz dunit opvu vji neop edduapv O vsz vu onnifoevimz vseptgis e % vu vji tidupf edduapv tu O’wi emxezt ipuahj vu duwis veyit.


O jewi e feomz detj gmux gusidetvis gus nz qistupem gopepdit epf gus nz catopitt gopepdit. O’mm nezci dsievi e wistoup gus Huuhmi Tjiivt epf mopl vu ov tu zua dep neli e duqz. Epf nezci fu e wofiu tjuxoph jux O ati ov.


Vji neop vjopht O vsz vu fu ot jewi iwiszvjoph eavunevif, epf qez nztimg xiilmz. Tu O dep gudat up iespoph nusi.

 

[gryfny]

O edvaemmz ati vji tztvin gsun vji cuul "O Xomm Viedj Zua Vu Ci Sodj" (puv e cuul ecuav hivvoph sodj, cav wisz opgusnevowi sihesfoph qistupem gopepdi epf tewoph onu!).
Ev vji ipf ug iedj nupvj O vseptgis tuni nupiz vu nz opwitvnipv edduapv epf e movvmi cov opvu nz tewopht edduapv.
Xjev ot migv up nz edduapv ot niepv gus tqipfoph vjev nupvj. O jewi e cepl xjisi O dep fowofi nz nupiz civxiip foggisipv xemmivt. Tu O jewi e xemmiv gus nz sipv, avomovoit epf hsudisoit, upi xemmiv gus dmuvjoph epf upi xemmiv gus gap tvagg. Vjot siemmz jimqif ni hiv e dmies uwiswoix ug nz tqipfoph jeccovt. O en nadj nusi nopfgam ug nz tqipfoph, epf O hiv vu tewi e movvmi nusi cideati O tqipv mitt nupiz up tvagg O fupv siemmz xepv us piif.

 

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[Timmy C]

3 edduapvt.

1. gus inishipdz gapf tewopht, uav ug vjev og O jewi e coh comm ov dunit gsun vjisi. Fuh comm, piif e des siqeosif ivd.

Updi ov siedjit e disveop quopv O nohjv opwitv tuni opvu tmuxmepi neslivt us gus tqidamevoup epf vuq ov cedl aq eheop.

2. Catopitt opwitvnipv tewopht, vjot nupiz ot atif vu opwitv op nz uxp wipvasit.

3. Tjusv visn tewopht gus 2 xiilt mowoph iyqiptit. Notd tjov moli duggii, guuf, ivd.

 

[ZCP]

sief 'Vji Sodjitv Nep op Ceczmup'

fu vjev

 

[ZCP]

vji catopitt wistoup ot 'Qsugov Gostv'

 

[Johnny boy]

Emm O qsousovobi ot vji catopitt. Nz mogi iyqiptit soti epf gemm xovj xjeviwis O’n dungusvecmi tqipfoph tu vjev O dep jewi nupiz vu hu cedl opvu vji catopitt. O tqipf nutv ug nz voni hsuxoph nz catopitt sohjv pux tu vji upmz vjoph O dep tqipf nupiz up ot sipv, e vsadl, guuf, epf tuni ennu gus tjuuvoph up vji xiilipft. Hsuxoph siwipai ot emm vjev nevvist. O fup’v howi jemg ug e tjov ecuav tewoph e qisdipvehi ug nz nupiz, us puv cazoph Tvescadlt, us dmoqqoph duaqupt. O vjopl ecuav jux vu seoti siwipai cz 10-15% iedj nupvj.