How to get started? First of all, make a spending plan. Start with the simplest, monthly expenses. Also, consider the amount of time you spend paying bills. If you have not tried to make any list, or at least spending direction - here are some easy ways to do it.

Especially when you have holidays or events ahead of you that you will certainly have to "cover" with a certain budget, it is important to know what you have at your disposal, how much you have to spend and what is your priority.

Make a list of the most important and priority expenses:

1. Overhead household expenses
2. Shopping for domestic needs
3. Anniversary / birthday gift
4. Spring shopping and a new wardrobe for you and the children

Always start with what is vital for the home, and then plan the other expenses. Keep track of how much you spend - and that's a way to keep track of where your money is going. And small expenses sometimes make a mountain of invested funds that we forget in the full budget.

Benefit From Bad Habits - Set aside a fixed amount for each habit that spends money on you. For example, if you are late for work and take a taxi, it is a plus money in the month that you go for transportation. If you smoke cigarettes too often, - reduce them, it is also a cost that you can maneuver, and your cash register will be full. Manage the costs of certain eating habits at home. Throw away all the sweets and snacks that are not always the best choice, and avoiding them means saving money and investing in your health and your home. Just try it, you will succeed.

What we would recommend, in order to save time, is to commit to the use of mobile or electronic banking. And not only that, when you pay the overhead costs for the home electronically, there is no commission charge. A great example of using such a service is the mobile application of Halkbank AD Skopje.

If you want to save time when shopping, going shopping or playing sports without the need to carry all the cards with you or the whole wallet when while performing a certain sports activity there is a way to pay via your mobile phone with the Halkpei application, or using your Garmin watch, through Garmin Pay service.

Learn to value your money and turn it into something that will be your long-term satisfaction and success. This way you can look forward to the holidays and enjoy more.