Каме может, и я смогу
Weston advocates the 50-30-20 plan, developed by Elizabeth Warren, a Harvard law professor and consumer protection champion. The plan is easy to understand, simple to apply, and leaves plenty of room for enjoyment. "Once you get this budget set up, your life is going to run a little more smoothly," Warren promises.
With the 50-30-20 plan, you divide after-tax income into three chunks:
Half goes to needs: Expenses that can't be put off without consequences, such as the rent or mortgage, utility bill, health insurance, minimum loan payments.
A full 30 percent goes toward wants: Think dinners out, trips, a new handbag.
The final 20 percent goes to savings or debt repayment. If needs add up to more than half of your income, you have two choices: Figure out ways to lower those costs by adjusting your phone plan or even downsizing your home, or reduce the amount you spend on wants -- not savings -- to make up the difference.
www.bhg.com/health-family/finances/tips/easy-wa...
With the 50-30-20 plan, you divide after-tax income into three chunks:
Half goes to needs: Expenses that can't be put off without consequences, such as the rent or mortgage, utility bill, health insurance, minimum loan payments.
A full 30 percent goes toward wants: Think dinners out, trips, a new handbag.
The final 20 percent goes to savings or debt repayment. If needs add up to more than half of your income, you have two choices: Figure out ways to lower those costs by adjusting your phone plan or even downsizing your home, or reduce the amount you spend on wants -- not savings -- to make up the difference.
www.bhg.com/health-family/finances/tips/easy-wa...
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09.06.2012 в 08:24-
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09.06.2012 в 09:25не за что ))