You may have to deal with having less money (for a while), for example because you have fewer clients or you want to stop sex work permanently or temporarily. The only way to avoid money troubles is looking ahead and cutting down costs as much as possible. This is easier said than done, of course. Still, with some effort you can succeed.
Coping with having less money and doing it sensibly, but how?
First: write down your monthly income and expenses in an overview. So write down the exact amounts of money that come in every month. Then list your monthly expenses. In this way you will get an overview of the amount you have to set aside each month and what amount you can spend on what. Possibly you get an insight into what expenses you can cut down on.
Unavoidable expenses and expenses that are not really necessary
You can spend your Euros in a lot of ways. It may help to make a difference in costs that are a must and costs that are not really necessary. An example of costs you cannot avoid are fixed costs. These expenses you have to pay, otherwise you will be in great difficulty. Fixed costs are: your rent, the gas and electricity costs, your health insurance and your telephone subscription.
Other expenses you will always have, are: food and drink and toiletries. Remember you do have a choice here: you can buy things at an expensive supermarket (Albert Heijn) or at cheaper ones (Lidl or Aldi).
There are also expenses that are not really necessary. Those are costs you can cut down on. They are a habit, maybe, or an indulgence, but you could easily do without. Think of visiting a beautician or buying a sandwich. You can save a lot on these costs.
To prevent your debts from growing, you could try and find a way to save money on your expenses. There are lots of ways to save money. Make it a challenge to save as much money as you can, it can even be fun. Enjoy small expenses.
The website: www.zobespaarjegeld.nl shows you lots of ways to save money.
Some of the tips:
- Write a shopping list weekly and keep to it.
- Pin a fixed amount of money. Have you run out? So be it.
- Do not be tempted by bargains; do you really need the item on offer?
- Turn down the heating.
- Check if you can get a lower price with a different energy supplier.
- Check if you have the cheapest telephone subscription.
- Buy a bicycle (one-time purchase) and avoid Public Transport.
- Sell the things you do not need or do not use, on the Internet, for instance: www.marktplaats.nl
- Do you really need something? Buy them second hand in a second-hand shop or at the flea market. You can buy good quality clothes and household items or furniture there. People on Marktplaats sometimes give away things for free or almost free.