How many home economics formulas / What is your solution to controlling home expenses?

group Life; نعیما جاویدی: For several years now, inflation has risen and spending has risen so much that we have to adjust our shopping baskets and household purchases carefully so that we do not lose money, do not get into debt, and if possible, even a small amount, but we must save. It is often true in most of us that income plays a decisive role in well-being, but it is not necessarily complete and sufficient.

We will explain more; Economists consider the role of expenditure in economic management to be as important as revenue. The fact that each person can manage their expenses according to their income, not get into debt and save money, is not a small privilege at all. We will learn these skills together in the course, but “personal experiences” are a good start for “cost management” of the family, especially these days, which can be achieved in conversations with people, especially successful women in managing the family economy. .

Good quality and proper maintenance

Hasna Mohebbi is 35 years old, a woman in her sixties and the mother of two twin children. Mohebbi says that by using a simple rule, they were able to avoid wrong expenses and they also had good savings. But what is his method? “I forbid the purchase of low-quality items and strictly control small purchases,” he shared. He should give more details to clarify the matter: “Fortunately, we are not tenants, the children are 9 years old. With help, we were able to manage some of my wife’s living expenses to some extent with 6 million tomans. When buying, I am very careful to choose high-quality accessories that can be used as much as I can afford. For example, I buy a good handbag instead of a few, and I use the same as long as it is healthy, and so do the girls. We bought good shoes three years ago, which we have taken care of and they are still good and healthy. Their model is such that they always stay in fashion. “If we bought a low-quality model, we would have to buy Putin every year, which was neither possible nor good for the environment.”

Forbidden nature can not be bought

“Children have two choices when it comes to buying snacks,” he says of small-scale shopping management. We make jellies, cakes and all kinds of biscuits and cookies at home. It is much cheaper and healthier. Basically, you think that the financial situation is good, that the children pick up and consume all kinds of food whenever they go to the store, it is neither good for their upbringing nor their health. After all, tomorrow they have to manage their own home and life, do they have to practice and learn from now on or not? “Self-esteem and temperament are not achieved with money.”

Have your own standard

Saba Sarvari is also a married student and has an important pottery leg to control household expenses. He says that he has never bought according to the standards of others, especially sellers, and has always preferred the needs and standards of himself and his family. He describes his economic formula as follows: “The shopkeeper has brought a series of goods for sale and wants to sell them. We are not going to wear glasses of pessimism and judge them. But we have to plan for the purchase ourselves and, if necessary, get advice about the quality of the goods or the purchase guarantee and things like that, not to go to the store to buy a certain item and be so confused that the seller encourages us to buy. Especially by saying sentences like this: This has been our best-selling work / I have taken this to our house / You can not find this product elsewhere with the same quality and price / Today you will not miss it and … I I am not saying not to buy, or to be pessimistic about the guidance of the sellers of the servant of God, no! “I say buy goods from every store that are really our need and discretion.”

You owe it to others, not to others

Sarwari completes his words and says: “Look which product in your house is more durable, family-friendly and better meets your needs, buy the same. If you need two sizes of drain for your marriage and dowry, just take the same one, what people say, bad service is incomplete or … do not care about these words at all! Neither others nor the seller can help when you are under debt. Have your own standard and style. Buy in a way that you really need, do not get into debt and do not bother. “You will see that your money will be blessed and it will be spent on necessities.”

Forget the symmetry of the game!

“Khadijeh Qaradaghi” is an experienced middle-aged woman who makes her two daughters lucky to go home and says: » Qaradaghi speaks frankly and says that he told all these things to his two daughters and did not allow his wife, even though they were in a good financial position, to scatter them for their daughters’ dowry: “Not a single grain of rice is thrown away in our house. I am a farmer and I know very well how hard our lives have been to put a Qur’an on a Qur’an. At home we have a guest tray, one for hand cooking and one for kitchen work. We have one vase. “I never sought to set, to assemble home appliances.”

What is wrong and what is wrong ?!

He admits that one is tempted when shopping: “Unlike me, my sister has two or one shape from each model of painting, vase, etc. I always tell him that we are going to live with these supplies, not store them. When I buy, I have been tempted to give up two or three glasses, but I control myself quickly. Who said that when I spread the tablecloth for the guest, all the dishes are not the same shape, it is a defect? The disadvantage is that I frown at the intrusive guest, I bore myself so much with these things that I do not have the spirit of greeting and the guest gets upset. It is bad for me to have a million-dollar crystal service, but my teeth are still broken, I do not have a test, or I can not buy a kilo of fruit and compliment my children in a simple container. Who said that if I buy a red coat, my bag must also be red? The disadvantage is that my clothes are dirty. “Who said that a party must be a pilaf, the fault is that there were so many luxuries and troubles that we do not open each other at home from year to year.”

Measures for tenant days

“Sanaz Sidi is a 28-year-old woman who is a tenant and has her own formula for controlling living expenses,” she said. We do not pay much for transportation because our living accessories are completely selected, light and durable. Eventually, with each movement and, of course, the passage of time, the equipment is depreciated. The more equipment there is, the less accurate the packaging and the more fatigue. The great appliances of our lives are the same electrical appliances common in all homes. I do not have a buffet. Honeycomb tables are foldable. Instead of one or two large rugs, I have chosen three 6-meter rugs that are much easier to maintain, clean and move. “So the costs of maintenance, washing and handling are drastically reduced. For example, we have only paid for carpet cleaning once all these years.”

A beautiful tradition of our relatives

He explains more about his lifestyle: “I have a warm coat, a coat and a raincoat that I have been using for 4 years. I buy a sporty coat every year. In general, I buy in such a way that I can get the most out of it. I cook each meal in such a way that there is no added food that is wasted. I have never bought useless decorative accessories, I have an important rule that you should not buy anything that can not be used. These are my tricks to reduce costs and increase savings. At parties we have a good family tradition that we only buy one type of fruit. “If someone can not come to the party, they must inform a day or a few hours in advance so that the host can prepare less.” He wants to say the following: “We may not buy a house yet, but as soon as we do not owe anyone, thank God!” “If the authorities think about price stability, people can finally live and plan better.”

I understood the value of money better

«م. Heshmati “is also a working woman who, according to herself, has brought the good life they have today from zero here and says:” After marriage, things were going well until my wife invested her capital in a productive work, unfortunately He did not have much skill and after a while his capital was lost because they lost money and became indebted. His mood was so upset that he became depressed and isolated for about a year. Fortunately, I was employed, I also knew how to crochet professionally, and I also had a swimming coaching. Before that, I was very good at spending. Whatever bad thing it did, it had a good thing. “I became an accountant and I spend and save money calculated.”

We owe this maturity to what happened

“We used to buy food from outside for half a year, but now we even buy food according to a one-month cooking plan,” says Heshmati. We buy a lot of commonly used accessories so that we do not have to spend more time and money every time. When buying rice, tea and some food first, we buy a few samples. If it has the required quality, we buy more. We use water, electricity and gas calculated. For example, vegetable washing water is used to irrigate pots, and … we have sold unused surplus supplies and bought supplies that we do not have. I did not use my dowry dishwasher and pressure cooker, we sold it and bought a laptop for my wife. “Every day after returning from work, he does graphic or editing orders.”

Spending right is an art

“Thank God we did not go into debt and we bought our house in advance,” said the young woman, who has now changed her outlook on life. Of course, the adults also helped a lot in our intention to have children. The house is mobile and we still pay the installments, but I want to say that if it did not happen, we might not have matured today and this house would not have existed. “Spending right is not really a small art.”

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