Bodil Hallin , family economist at Ikano Bank knows how to take back control over finances.
High expectations and unplanned spending makes the economy are often subjected to additional tests during the holidays.
– If the economy feels heavy and tired, it is a good sign that you should brush up on, says Bodil Hallin.
The first step is to consider what you want to change.
– Start with one thing and do not be too ambitious. Have a clear goal and a concrete plan for how to reach it. Just like when you are getting fitter maybe you should not start by signing up for a marathon.
Have you borrowed for the holidays, an objective way for any month shall be paid back and you have several loans , attempts to merge the credits to streamline costs and make it more transparent.
Do you haggle about money with your partner? Set aside time to talk about money and priorities in peace.
– Think first what you want to use your money to. Everyone wants different things, but maybe it’s okay.
For next year’s vacation, acquire tools to more easily keep track of the economy. Most banks have apps that make it easy to check the balance on your mobile.
Tips from Ikano Bank:
Open vacation savings account with automatic transfer every month.
List three expenses you can and want to cut so that you reach your goal.
Increase revenue by renting out or selling something you do not use.
Give children own holiday cash next year. When they understand that cash is limited and they have to prioritize.
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