Many of us are confused to find ways how to have enough for one month salary because salary is often discharged prematurely. Actually you can save from your salary no matter how much your income.
By way of developing healthy habits in using money and dare to try creative ways that can make your money grow and also make your life better. However, a change in virulence was always require adjustments on the other. So is the habit of shopping, spend money definitely much more fun than having to save it.
Know that you do not have to suffer because of trying to manage money well and started to organize your life. All you have to do is how to use money with smart and being a careful shopper. The aim is that you get the most out of every dollar you earn and not spend a dime when not required for it.
We only take another example in addition to changes in shopping habits are also an issue most people, such as smoking habits. You know that smoking is harmful to health, causing interruption of pregnancy, impotence, heart and so forth. You want to stop smoking altogether, but every day always just the opposite. Various temptation when their implementation is already making a strong willingness to give in to the banter of friends willing to bet you would not be successful. Not to mention that the mouth was sour, disturbing concentration, headaches because it turned out to quit smoking also require adjustments to the physical condition of the other.
Well …. It is very difficult if you should quit smoking at once, but if one day you usually spend a pack of 12 sticks, why not try to smoke one cigarette just beforehand. The difference does not feel right? If you are forced to stop at once, you will surely suffer
How can so I can use the money carefully and be cautious shopper? Here are tips on smart shopping is simple and can help you build a healthy shopping habits, among others:
1. Reduce the purchase of goods whose value decreases
Spend your money on goods whose value increases. Most people shopping on goods whose value is exhausted so used, such as, food, clothing, or its value decreases as electronic goods and other consumer goods. As long as you are able to distinguish between wants and needs of the shop is a natural thing to do and go beyond just hungry eyes
2.Little stuff means a lot
Often we do not feel out of money to buy cigarettes, buy a snack or just coffee-coffee. Naturally, if we forget for a small amount and has become a habit. The danger is that a daily habit, we forget that the little amount of calculation in a year if we are so large in number as well. Obviously the numbers will be more double if invested.
3. Keep your total installment debt below 30% of salary
The habit of people in general are using nearly 90% of monthly income to finance the expenditure needs of households. What happens if you have a home mortgage debt, car or credit card spend 50% of income? Where you have to meet the shopping needs of households. Can-can you get a loan here and there to mencover household needs. Therefore, if you have debt, keep the total amount of loan repayment per month is not more than than 30% of your income, so that the remaining 70% can be used to meet household needs.
4. Credit cards are not money
Credit cards often make us richer than they really are. Limit your credit card to make us feel like having more cash. Though the credit card limit granted is not free. Once we use it we must return it, and if you can not afford to pay in full then you will be charged interest. Karean it for everyday spending pay with cash or ATM card or your debit card. Keep your credit card for emergencies, as a quick source of funds when an emergency but cash is not available.
5. Have a reserve fund
Sometimes though people already have a budget, nonetheless conceded. This is usually because there is no routine expenses or unexpected that are not in the budget. For example there you borrow money, give anniversary gifts, wedding donations, and others. Usually to pay for unforeseen expenditure we are forced to take deposits from savings or time deposit or credit card use. If this happens constantly as a result of your investment goals can not be achieved because the funds are always used. Therefore form a reserve fund of at least 2 or 3 times your family expenditure per month to pay sudden expenses that are not routine. If your income is not regular or not stable then form a larger reserve fund. Before you invest in any financial goals, make sure you’ve established a reserve in advance.
