Analysis of these data will give you the following information: a) how much real money you can deduct the loan from the family budget, not tightening the belt ", and b) from any" little things "can be waived for a period of loan repayment. 2.Opredelivshis with the amount set priorities. What thing you need it now more often? Of course, you want all at once! But, alas … if only one thing, it's good. And if a lot of them, write down the name of each on a separate sheet of paper. 3.Obsudite the pros and cons of each item and be sure to write down all their arguments.
By the way, the more people will participate in the discussion, the better. Although … Every rule has exceptions. Try to bring the maximum number of arguments why it needs this thing. And so methodically, each written things. Take your time.
Consider the future. 4.Vzvesiv all the pros and cons, choose only one necessary thing. Think, and whether it is necessary to you right now? Or maybe it was still possible without it do for a while? Yes, of course, cool zaimet firmoveyshy refrigerator with a built-in screen door and control of frost in the freezer with a remote control and … But, if you are running an old refrigerator and break is not going to … maybe, well, it nafig? 5.Net, all the same, must take! Then, determine exactly with the consumer properties things. Try to do without a fashionable "chips" for which the most and take the big money.