Archive for the ‘personal finances’ Category
Managing personal finances seemingly easy, you just create a spending plan on paper according to your income. But sometimes in practice it is often not in accordance with the plan, so your intention to save only a delusion. So if you want your salary every month can get you set aside for savings, consider the following steps.
Each time you receive a paycheck, you try to make a list of your spending needs. If your partner does not mind, then you can combine both of your salary. Then note each time you both spend money. Thus you will know where her money.
Try every time you buy household appliances, choose a good quality but at a price that is not too expensive. So you do not need often to pay for repairs.
Shop everyday needs for supplies a month to save on your expenses. Because membelu in large quantities would be cheaper than buying retail. You can also save time and save costs with no trips to the supermarket.
Do not allocate your money for things that are sheer pleasure. Although you pay a small, try to set aside 10% of your salary for savings each month.
If you eat lunch or dinner with friends, choose a cheap restaurant. Or if you need to bring a lunch from home to make it more efficient and hygienic also loh.
Following the gathering, held an office or home environment can be your choice as an alternative to saving your money.
If you are still confused aside your income, you should ask for help to someone who is reliable and you trust to manage your finances. Maybe he can make a financial plan that suits you.
So if you do the steps above then you can save your money you earn with difficulty. With you to implement a frugal lifestyle and planned it will be very beneficial for your future will be. Hopefully you successfully manage your finances.