How not to fall into a "financial hole" after a vacation?
Sometimes you have to wait a very long time and persistently for a vacation, but after waiting for the cherished vacation, not everyone is able to leave work with peace of mind. For a vacation to be successful, you need not only to be able to plan it, but also to make sure that thoughts of abandoned affairs do not interfere with enjoying your free days.
The priorities in resolving "pre-leave" matters are different for everyone: someone puts things in order in the apartment in order to return to a tidy and clean house, someone negotiates with friends and neighbors about taking care of flowers and pets. Of course, before leaving, you need to check several times whether the gas, electrical appliances, water and much more are turned off, because the thought of an unfinished tap can pretty much fray the nerves of even calm people.
money and vacationHowever, behind all this everyday fuss, not everyone has time to think about financial issues, which sometimes turns into a real problem. As soon as vacation pay is in their hands, people immediately begin to distribute them to fulfill their long-standing desires, entertainment, and subsequently lose quite a large part of their money. This is where you need to think about. After all, it's not a secret for anyone that at the end of the vacation, the nearest salary will not come at all soon, and you need to try to live up to it. Then all kinds of borrowing from friends and acquaintances begin. And according to the law of life, in such times, unforeseen expenses also arise: something necessary is broken in the house or, for example, teeth hurt.
In order for this not to happen, you need to carefully prepare for the vacation. And this means not only packing your suitcases, but also competently completing all household chores that involve spending money. To begin with, you need to set aside from the money received an amount that is an approximate monthly budget (do not forget about your favorite "emergency reserve"), and the amount required to pay off all kinds of loans.
Also important is the payment of utilities, telephone bills, the Internet and other joys of life. If you do not have water and gas meters installed, you can submit departure information to the appropriate organizations, this will help avoid overpayments for unused resources. But in this case, be prepared to provide tickets and receipts from the hotel or other proof of your absence.
After carrying out all the above procedures, you can calculate with a clear conscience how much money is left for free spending during your vacation. In order for the vacation to be full, and not have to deny yourself anything, it is better to save up for it for a year, postponing a little from each salary.
With a set of these simple tips, you can avoid all the classic vacation problems. After all, it is much more pleasant to know that not only everything is in order at home, but also in the wallet there is a solution to problems that have not yet arisen.
Happy Holidays!