Mar 05 2010
save money
Must-know Nine Saving Money Skills
Saving is nothing to do with the drop of living quality. Saving is a kind of living attitude. Saving person is poorer than people who got no money at the end of a month and busier than working models. Therefore, the working poor have to establish a purpose before they become a doyen of save money: save money is to improve the quality of life, not reduce the quality of life.
When we are blind to save money, getting rid of the habit of eating in beloved restaurants, getting rid of going shopping, getting rid of chatting in bars with friends, getting rid of watching movies and so on, what will be left in our life? Only to be an organism in the earth, losing any fun? If you are going to do this. Well, I will unfortunately to tell you that your saving plan will fail within one month. It is important to save money when your living quality is guaranteed since this will determine how long you can endure it. Doing shopping in favorite department stores, going out for entertainment with friends, if the cancellation of these activities makes you feel depressed, then, please go on. But this does not mean you are allowed to spend money casually. You must remember only order foods that can be put into your stomach, do not order that should be thrown; only buy that can be used, do not buy that should be stocked. Accounting regularly and knowing where the money spends, so as to adjust the next quarter consumption plan and deposit the saving money into bank or let the professionals make finance and investment plan for you. Saving money is a responsible living attitude, not only for yourself.
Establish an automatic saving plan. Establish an account in the bank just for deposit and do not take, drawn to a small from your regular monthly salary which do not affect your daily spending, may be just a meal money, or the cost of a clubbing, but when you begin to do so, you have begun to save money. 2.Making a list of goods which we don’t need. And write them down on your mobile phone or portable notebook. When we are shopping, we must refuse to buy these goods firmly. When the list becomes longer, you will find that your life can still continue as usual even without these things. Third, what if there are difficulties? Surf on the Internet. When you do not know whether there are discounts of the goods you need to buy, you can shopping online and you might just be able to find those cheaper than the physical goods, and occasionally you may also receive cash coupons which can be left for next shopping. Choose the online banks with a high interest rates to encourage savings. The money saved to a certain amount of time, you have adhere to save money for some time, this time you need to choose a high-interest bank to help you save money, whether you are at work or sleeping, your money in the bank can give birth more interest for you, encourage you to continue your saving plan. 5, The money you save in shopping is the money you deposit in the bank. The saved money in shopping is not used to purchase more goods, nor give you the opportunity to eat and drink greatly. The unexpected discounts or price cuts may give you a small fortune, please save them in the bank since it is not in your spending plan. 6.The freezing of credit card (only aiming at crazy consumption person) If you can’t suppress the desire of using credit card, please destroy it manually. Such as put it into fridge or microwave oven, and allow the bank get the money from your payment card by auto pay. Otherwise you will never escape from the barathrum. 7. Should not overlook small change. To save up the coins and put them into piggy bank. As the saying states: “Many a little makes a mickle.” Although it seems a bit old-fashioned, it can help you develop the habit of frugality.
To create a “wait” timetable for for the luxury things. When you are very much like to have a luxury thing, then please do not immediately pull out a credit card, but wait, after waiting for a month or longer when it pull out from your list and see whether you still want to have it. Waiting can make you distinguish what objects are you really want to possess and what objects you just want to buy in a impulse, it is easier to buy after thinking than to return goods you regret buying. 9. Saving small money for big stuffs. When you need a new computer or some other big stuffs, build a related account immediately, such as “computer” account, put your small money from daily saving in it until you can buy it. During this period, you still save money in your previously-opened account, and the new account is set up only to help you purchase big item which you really need without affecting your regular financing plan. When you do so and buy a computer, you will find you are beginning to treasure the computer. It is like a marathon, the prize is a computer if you adhere to finish the whole match, which no matter how much it cost, you will be extremely treasure it.