The feeling that a person buys almost nothing extra but still runs out of money by the end of the month may be linked to small spontaneous purchases. Kazakh financier, qualified auditor and professional accountant Sultan Yelemesov told Kursiv about this, reports infohub.kz.

According to him, there is no universal way to solve the problem without controlling one's own spending. One of the most effective methods is to start keeping a personal budget and tracking expenses.

"There is no 'magic pill' or secret solution that gives a 100% result – everything has long been known: you just need to keep a budget," Yelemesov noted.

The financier believes that the feeling of money vanishing without a trace may arise because a person does not notice some of their own purchases. This is especially true of small emotional and unplanned expenses.

But the expert does not advise turning personal finance control into full-fledged bookkeeping. Large and regular payments, such as rent or utilities, are usually known in advance. It is far more important to keep a close eye on small purchases made spontaneously.

Yelemesov suggests dividing expenses into three main categories: fixed, variable and spontaneous. Variable ones can include, for example, groceries and clothing. The expert recommends tracking the latter category especially carefully and analyzing it at the end of each month. According to him, it is after such a calculation that a person may discover that numerous small purchases add up to a significant expense item.

The very need to record every unplanned purchase can serve as an additional restraint. If a person has to regularly log such expenses, they gain an extra reason to forgo some of them.

After several months of tracking, it becomes easier to determine where the money actually goes and to adjust the budget. Yelemesov suggests directing the freed-up funds toward savings and investments.

According to the financier, the habit of keeping a budget takes hold more easily when a person sees a concrete financial result. In that case, the question of where the month's money disappeared gradually becomes less relevant.

It was previously reported that banks will begin withholding taxes from self-employed individuals: what will change from 2027.