Life after vacation
When it comes to getting out of vacation, you can find a lot of tips related to overcoming the psychological problems of a return to workdays. But very few people think that it is also necessary from a financial point of view to get out of the holiday correctly. When, after a long working year, we leave to rest, we often relax so much that we do not consider spending and drop everything that we have in a couple of weeks: walk for a walk. However, after returning home, we need to live at least until the advance payment, and even hold out for a month.
numbering- small.pngDid not dig a hole
Leisure rest strife. Someone wants to spend the whole vacation on a warm beach, the other does not think of himself without extreme types of recreation: bungee, mountain skiing, rafting on mountain rivers are ways to increase the level of adrenaline in the blood every year. And if for a trip abroad the majority of tourists make out medical insurance, then extreme sports fans in their country rarely think about insurance. And in vain.
Of course, if you get injured while jumping with a parachute in Russia, you will be assisted by an OMS policy in any region of the country. But it is unlikely that immediately after this you will be able to return to work. And during the period of treatment and rehabilitation, money is needed for medicines, food, and no other expenses have been canceled. Insurance payment will be very helpful.
Travel insurance is not so expensive and depends on the time you are going to spend on extreme rest, the type of sport, the age of the tourist and some other factors. Of course, it would be better if it did not come in handy, but it is also correct to foresee this option so as not to be left alone with the problems.
From the consequences of force majeure in the form of a gulf of neighbors (or neighbors), thefts and other unpleasant situations that may occur in your absence, insurance can also save.
The houses of the returning vacationer are most often the first to meet a stack of bills for housing and communal services, an empty refrigerator and the need to hold out for at least two weeks until an advance. Everyone has already heard the advice from experts in financial planning – you need to have savings of at least the amount of three-month expenses. Having such a financial cushion in itself will solve the problem of getting out of the holiday. But what to do if you cannot accumulate such amount? You can open a savings account and put at least your personal subsistence minimum on it. Everyone knows how much he needs to survive a month: how much money is needed for utilities, for food, for travel. It is this amount that should remain intact. This is especially true for those who are on vacation calculated by the card on which all funds are stored. Even if you spend everything that is on the bank card, there will be an emergency reserve.
If you haven’t done this before, then the time after the holidays is the most appropriate time to start keeping personal accounting and watching where the money goes. The ability to reduce costs is always there. A lot of money, in fact, goes to unnecessary things. This does not mean that it is necessary to give up everything. Just need to find a healthy balance. A simple example. In the summer we spend a lot of money on soft drinks. But you can make lemonade at home from real lemons or make cold tea from real green tea, pour it in a bottle and take it with you. And tasty, and useful, and economically.
If we still did not manage to avoid financial difficulties in the “life after vacation”, then we will have to solve them in proportion to the inevitability of problems. To deal with this, you need to write out all the nearest expenses and next to indicate the consequences that are expected when they are not paid before the salary. For example, delay in repayment of the loan will lead to fines and damage to the credit history, non-payment of utility bills – to the accrual of penalties, we don’t even talk about the lack of products, and the cinema can be viewed at home.
All costs that can be postponed without serious consequences, you need to postpone to salary. For everything else – to find money. Plus the financial audit is that now you know the exact amount that is needed. It remains to find where to get it.
You definitely should not do one thing – go for the money in the microfinance organization. If you could not agree on an advance with the employer or borrow from relatives, there are still a few options. Some have the opportunity to earn some extra money – you need to use it without thinking. The last option is to take a bank loan. However, the habit of patching holes in the family or personal budget in this way does not lead to good. If you understand that you cannot do without borrowed funds, it is better to issue a credit card with a grace period in advance. With proper use of the card, it will allow to solve financial problems and not pay interest.