Du hast zu viel Geld ausgegeben. 
Nun musst du kreativ sein. Schau dich in deiner Küche um, was kannst du aus den bestehenden Lebensmitteln noch alles zaubern?
Schau dich im Haushalt um, was könntest du noch verkaufen? Wie könntest du noch zu Geld kommen damit du nicht überziehen musst. Halte durch, es sind meistens nur noch wenige Tage bis zum nächsten Monat.
Warum nicht jetzt damit starten mit dem Hobby doch noch Geld verdienen?
Verzichte auf deinen geplanten Kinobesuch und nutze dieses Geld für Lebensmittel. Erlaube dir einfach keine Extras mehr bis ende Monat. Sei mal so richtig stur.
Nutze deine freie Zeit um anderen zu helfen.
Zwei einfache Möglichkeiten um deine Ausgaben zu notieren.
Behalte von jedem Einkauf den Kassabon. Zuhause erfasst du jeden einzelnen Bon auf deinem Ausgabeblatt.
Lade dir ein gratis App herunter und nutze ein Budget App um deine Ausgaben zu erfassen.
Budget anpassen
Wenn es ende Monat knapp in einer Kategorie wurde, dann passe dein Budget für den nächsten Monat an. Das Geld reicht dir nicht für deine Lebensmittel? Und in der Kategorie Kleidung hast du etwas übrig? Dann erhöhe den Betrag auf der einen Seite, während du den Betrag auf der anderen Seite tiefer hälst. Am ende muss das Budget wieder Null aufweisen.
Wenn du immer weisst wo du stehst, fällt es dir leichter deine Ziele zu erreichen. Wenn dein nächstes Ziel grosse Ferien sind, dann weisst du warum du in einem Bereich mehr sparen wirst. Wenn du jeden Monat 500.- in dein Investment Plan aufnimmst, dann weisst du wofür das ist. Du hast die Macht über dein Geld, du sagst wohin es gehen soll. Halte dich daran.
Du hast dein Budget für den nächsten Montag gemacht. Dein Geld hast du richtig in die Umschläge verteilt, sodass du weisst was du ausgeben darfst. Fühl dich nicht eingeengt, du hast für dich entschieden was du für was ausgeben möchtest. Ein Budget ist nicht da um dir zu sagen du darfst Dinge nicht kaufen.
Dein Budget sagt dir nur wohin dein Geld gehen muss. Wie schnell geht unser Geld einfach irgendwo hin und am ende fragen wir uns…wo ist jetzt all das Geld das ich verdient habe. Mit der „Zeit“ ist es dasselbe. Wenn wir für die Zeit keinen Plan haben, wissen wir am Abend nicht was wir mit der Zeit gemacht haben. Sie ist einfach weg, zerronnen. Und genau das möchten wir eigentlich mit dem Geld und der Zeit nicht.
Notiere jeden Betrag den du ausgegeben hast.
Nun hat der Monat begonnen und du beginnst Ausgaben zu machen. Ich empfehle dir jede einzelne Ausgabe aufzuschreiben. Das kann ganz schnell und einfach gemacht werden.
3. April 45.- für Lebensmittel
9. April 9.- beim Bäcker
13. April 70.- für Lebensmittel
Total ausgegeben 124.-
Wenn du nun zum 24. April kommst und du siehst, dass du bis ende Monat noch 100.- übrig hast. Dann weisst du genau was du noch ausgeben darfst. Hast du nur noch 20.-, dann hast du bereit zu viel Geld ausgegeben.
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– checking account / Coins
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