How to Avoid Too Much

There is one way to avoid fruitless expenses: Just think of your money as an hour of your life. Here's how it works: Tell him to make $50,000 a year for your full work, 40 hours a week. Count monthly income after taxes: $3,500, more or less. That makes your salary less than $22.

Add to all your employment costs. This includes such things as office clothes, travel expenses, lunches, and then calculate less - visible daily expenses as children's garden, cleaning homes, and after - work activities.

Finally, count your monthly expenses, work costs, family expenses, and overtime.

If you calculate how much you spend on work for an hour and how much you earn from it, you will see a big change. So all spending comes from unnecessary things outside.

Try to maintain a budget only for the necessities of employment and not to overdo them.