Når folk klager over økonomien og om, hvor hurtigt pengene forsvinder, får det mig altid til at tænke på mine bedsteforældres økonomisystem. Det bestod af 3 søm på væggen over køkkenbordet. Det vil sige, at det var egentlig 3 kroge, men vi kaldte det 'sømmene', det var nok til at styre økonomien.
Det vil sige, min mormor styrede. Det blev der ikke talt om, men det gjorde hun! Min morfar fik sin løn i kontanter, og når han kom hjem med lønningsposen, blev den hængt op på det første søm. På næsten søm hang diverse indbetalingskort, huslejeopkrævninger osv, der var kommet ind i løbet af måneden, og på det tredie søn hang en tom pose. Når månedens udgifter var betalt, kom resten af pengene ned i den sidste pose, og de skulle slå til hele måneden. Der var ikke noget, der hed at låne penge til noget som helst.
Hvis der var udgifter, der skulle betales kvartalsvis, regnede min mormor ud, hvor meget der skulle lægges til side, og det beløb blev lagt 'væk'. Jeg ved ikke, hvor 'væk' var, men pengene var der, når de skulle bruges. Det samme gjaldt for, hvis der skulle spares op til en ny kjole, et sæt tøj til morfar, jul, ferie m.m.
Men pose nr. 3 indholdt altid det beløb, der skulle slå til til den kommende måned.
Svært? Næh, det er egentlig meget, meget enkelt. Kan det lade sig gøre i dag? Ja, og måske endda lettere i dag end tidligere.
Man skal have
en budgetkonto, hvor lønnen går ind, og hvor alle udgifter trækkes fra
en opsparingskonto, hvor der bliver sparet op til årets store udgifter, der ikke er 'livsnødvendige'
en rådighedskonto, hvor det beløb, som man skal leve for resten af måneden, står.
Sværere er det ikke.
Det svære består udelukkende i at erkende, hvad man har råd til, eller måske vigtigere -hvad man ikke har råd til.
Prøv at leve dette år uden at spendere mere, end du tjener. Det er en meget befriende følelses.
En lille pung kan godt indeholde en god økonomi
A small purse can easily hold a good economy
I am tempted to talk a bit about economy here in the beginning of the year, even though January has gone.
When people complain about money and about, how fast they go, it always makes me think of my Grandparents' money system. It was three nails on the wall above the kitchen table. To be correct I think that it was hooks, but we called them 'the nails', and they controlled the money.
Or my Grandmother controlled it. Nothing anybody talked about, but it was her doing. My Grandfather got his salary in cash, and when he came home with the salary envelope, he hung it on the first nail. On the second nail all payment forms, which had come in during the month were hanging, and on the third nail was an little empty bag. When the expenses were paid, the left over money was put in the third bag, and that was the amount, which should last through the month. No talk about getting any quick loans on any kind.
If there were expenses, which had to be paid every third month, my Grandmother calculated, how much she had to put aside to cover them, and that money was put 'away'. I don't know, where 'away' was, but the money was there when needed. She did the same, if money had to be saved for a new dress, a suit for my Grandfather, Christmas, holidays etc.
But bag no. 3 always held the money, which had to cover living expenses of all kinds for the coming month.
Difficult? No, actually very, very easy. But can it be done today? Yes, maybe easier now than then. You should have
A budget account, where your salary goes into every month, and where all expenses are paid from.
A savings account for all bigger purchases during the year, which aren't vital.
And an account, which holds the money you are allowed to spend until next payday.
It isn't more difficult than that.
The difficulty is entirely to acknowledge, what you can afford, ormaybe even more important what you cannot afford.
Try to live this year within your means. It is such a freeing feeling.
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