The system of personal finance management stochastic type
Reading Habr lately, I increasingly see posts devoted to personal finance management techniques. To me, as a person of subtle mental organization, any thought about hard planning something causes immense suffering, especially when it comes to finances. However, the harsh reality is equally harsh towards everyone, without deciding who is a scientist or a digger in front of it. So I, at one time, had to face the need to maintain a delicate balance between incomes (unpredictable, albeit regular) and expenses, no less regular, but due to the nature of the mental device, it is doubly unpredictable.
The solution turned out to be simple, as all ingenious. I came up with a simple indicator R , with which I determined the strategy of daily spending:
R = M / T ,
')
where M is the exact amount of money in stock, T is the number of days until their next receipt. In fact, these are the only two parameters that I have always been able and can evaluate more or less accurately, everything else is drowning in a fog of uncertainty. The indicator has been very helpful. It allows you to uniquely determine which zone I am in. In total, I entered three zones (conditional numbers):
White zone: R > 200 (conditionally)
Yellow zone: 200> R > 100
Red zone: R <100
There was also a “black zone”, but let's not talk about sad things. Each zone had its own verified “consumer basket”. And if for the white zone it included pineapples and grouse, then in the red it also consisted mainly of Rolton with Doshirak. The spending structure was selected so as to facilitate the exit from the red zone into the yellow one, and out of the yellow one, if possible, closer to the white one.
The system proved to be very effective, I successfully avoided financial disasters. Using it brings into life some element of excitement: lusting hazel grouse with pineapples had to carefully monitor the approach of the white zone, rejoicing at each point of the indicator that had been conquered and falling into despair at a sudden distance from the cherished border. By the way, it is very stimulating to search for additional income, which makes the method very useful in terms of developing self-motivation. The disadvantages of the method include the impossibility of creating long-term savings, although personally I am inclined to consider this property as a virtue that does not allow to turn into a “mean knight” suffering from the fact that “the seventh chest is still not full” ...
I hope many readers of Habr will find this method useful and, being in the “white zone”, they will remember me with a kind word, biting foie gras champagne.
The solution turned out to be simple, as all ingenious. I came up with a simple indicator R , with which I determined the strategy of daily spending:
R = M / T ,
')
where M is the exact amount of money in stock, T is the number of days until their next receipt. In fact, these are the only two parameters that I have always been able and can evaluate more or less accurately, everything else is drowning in a fog of uncertainty. The indicator has been very helpful. It allows you to uniquely determine which zone I am in. In total, I entered three zones (conditional numbers):
White zone: R > 200 (conditionally)
Yellow zone: 200> R > 100
Red zone: R <100
There was also a “black zone”, but let's not talk about sad things. Each zone had its own verified “consumer basket”. And if for the white zone it included pineapples and grouse, then in the red it also consisted mainly of Rolton with Doshirak. The spending structure was selected so as to facilitate the exit from the red zone into the yellow one, and out of the yellow one, if possible, closer to the white one.
The system proved to be very effective, I successfully avoided financial disasters. Using it brings into life some element of excitement: lusting hazel grouse with pineapples had to carefully monitor the approach of the white zone, rejoicing at each point of the indicator that had been conquered and falling into despair at a sudden distance from the cherished border. By the way, it is very stimulating to search for additional income, which makes the method very useful in terms of developing self-motivation. The disadvantages of the method include the impossibility of creating long-term savings, although personally I am inclined to consider this property as a virtue that does not allow to turn into a “mean knight” suffering from the fact that “the seventh chest is still not full” ...
I hope many readers of Habr will find this method useful and, being in the “white zone”, they will remember me with a kind word, biting foie gras champagne.
Source: https://habr.com/ru/post/88483/
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