Keeping a cash book saves money!
Take a fixed amount out of your account once a week on a fixed day – do not withdraw any money from your account for the rest of the week. For example, take out €50 or whatever you are used to. The same day you buy groceries at the supermarket and pay €5. Now subtract this amount from the original €50 = €45. This means that you have €45 left for the other six days of the week…
| Date | Weekly amount: 7 days | Possible spending per day | Groceries |
|---|---|---|---|
| 1 January | € 50,– : 7 days | is € 7,14 per day | spend € 5,– |
| 2 January | € 45,– : 6 days | is € 7,50 per day | spend € 6,– |
| 3 January | € 39,– : 5 days | is € 7,80 per day | spend € 7,– |
| 4 January | € 32,– : 4 days | is € 8,– per day | - |
| 5 January | - | - | - |
| 6 January | - | - | - |
| 7 January | - | - | - |
…et cetera. The money you do not spend is carried forward to the following week or goes into your savings account.
At the start of the new week, you again withdraw a fixed amount and keep a cash book. It is useful to use a week menu based on the supermarket advertising leaflets.
See also our handy cash book app. https://bmwvoorelkaar.nl/de-sociale-raadsvrouw/de-dsr-budgetmanager/
