Geld sparen: Der beste Trick ist auch gleichzeitig der klassischste

Asia's Tech News Daily

Geld sparen: Der beste Trick ist auch gleichzeitig der klassischste
© krisanapong detraphiphat

Wie können Sie Geld sparen?

Es gibt viele Tricks und Techniken, um Geld zu sparen. Einige sind so konzipiert, dass man fast gar nicht davon merkt, dass man einen Teil seines Gehalts (wenn auch für etwas Gutes) einbehält, andere konzentrieren sich auf die Schaffung von Gewohnheiten, die Umgestaltung der Art und Weise, wie man Geld ausgibt, und so weiter. Aber es gibt auch klassische Wege, die effektiv sein können, wenn Ihnen der Rest schwerfällt. (Außerdem: Wie man Millionär wird: 6 einzigartige Wege – laut einem Millionär)

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Geld sparen: Finanzexpertin verrät den ultimativen Trick

Alejandra Rodríguez, Expertin für Finanzen und Sparen, teilte der Website “Finect” eine Methode mit, die sie für die effektivste hält und die auch eine der ältesten und bewährtesten ist: Teilen Sie Ihr Geld entsprechend Ihren Ausgaben in “Umschläge” ein.

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Wie funktioniert die Methode?

Zu Beginn des Monats entscheiden Sie, wie viel Geld Sie für Lebensmittel, Verkehrsmittel, andere persönliche Ausgaben usw. ausgeben wollen, je nach Ihren Bedürfnissen. Auf diese Weise wissen Sie im Laufe der Tage, wenn Sie Geld für die einzelnen Posten veranschlagen müssen, wie viel Sie insgesamt ausgeben können und wie viel Sie dann noch übrig haben. (Auch interessant: Jeff Bezos hat 100 Millionen Dollar gespendet, liegt damit aber noch weit hinter anderen Milliardären zurück)

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Geld sparen wie unsere Großeltern

Wie die Finanz-Expertin erklärt, haben schon unsere Großeltern auf diese Weise Geld gespart, denn vor 60 Jahren gab es natürlich noch keine Kreditkarten oder andere Möglichkeiten der Geldverwaltung. Das zeigt, das die einfachste Technik manchmal diejenige sein kann, die den größten Effekt erzielt.

Sicher, es kann heutzutage etwas umständlich sein, Bargeld zu benutzen, oder dass es unnötig ist, wenn Sie Ihre Miete oder Rechnungen per Lastschriftverfahren bezahlen. Aber wenn sie sich bei kleineren Ausgaben, die variieren können, wie z. B. Lebensmitteleinkäufe, persönliche Ausgaben für Kleidung, Geschenke, Reisen und ähnliches, darauf konzentrieren. Was am Ende übrig bleibt, können Sie zum Sparen beiseite legen. (Lesen Sie auch: Die 5-Stunden-Regel, die Bill Gates und Elon Musk reich gemacht hat)

Sie können sich auch nach einer digitalen Version umsehen, schließlich gibt es zahlreiche Apps, die bereits die monatlichen Ausgaben aufschlüsseln, obwohl Sie auf diese Weise Gefahr laufen, das Budget zu überschreiten. Dennoch können Sie sich angewöhnen, eine Übersicht zu erstellen, wie viel Sie im Monat ausgeben werden und wofür, und dies als Grundlage fürs Sparen verwenden.

Der Artikel “Para ahorrar dinero, el mejor truco es el más clásico” von Guillermina Carro erschien zuerst bei GQ Espana.

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