9 Tips Save Money
Desire to control is one of the main capital for a savings. Follow these tips to not have to pay hangover “evaporated” before the end of the month.
1. Make a list of your expenses each month. Included in this is a fund for mortgage or rent, electricity, water, telephone, daily needs for food and clothing, transportation, streets and go to a movie. For convenience, you can make it on the computer. Add up all your expenses. Write the amount of your income every month, then subtract the amount of expenditure.
2. Check the list and find expenses you can trim. For example, if you usually eat out while in the office, try to bring a lunch from home. You will be surprised to see the money you save is successful because of doing this.
3. Pay all the bills first, then set aside money to be saved. By taking first, expenditure will be more in control and not panic when you suddenly need money. In addition to saving in cash, savings in the form of savings that is not easy to manipulate diutak. For example, insurance, deposit or mutual funds.
4. Reduce the movies schedule. If you’re used to going to the movies every week, reduce the schedule to be 1-2 times per month. Before going to the movies or a walk, eat at home first. You can save substantial money, especially if you go with the family.
5. Buy clothes at stores that give discounts or wait for the sale arrived. Limit the purchase of clothes, just 2-3 months. After all, you do not need new clothes every month.
6. Wherever possible, avoid using credit cards. Unless, you can pay the entire bill at once at maturity. No need to be a collector’s credit card, and use this card only during an emergency. Use a debit card, so you only spend your limited ability.
7. Obey budget that you have created each month. Thus, you can continue to save. Initially it may be difficult, but you will feel the benefit when it is used.
8. Ask the couple to be your supervisor. Financial management so that it runs smoothly, both parties should have the vision and mission of the same. If not equal, discuss this with your partner.
9. Teach your child to save money since the early.