Saving money. Never mind the need not to complain or blame anyone. Other prices were already following. The important thing now, how do you circumvent this situation. Not hard, really. Even lest you become healthier because of frugality.
1. Spend With Good
Bikinlah budget and record all expenses. Once you know where all the money flows, will be much easier to post what would you reduce or even completely cut-out. After that start living with that condition.
2. Savings = Bills
Your hard to save? Whenever there is excess funds at the end of the month, you are always itching to spend it. Let you assume the obligation to save it as a bill to be paid. It will not be enough just by intention. We recommend that you open a new account at the same bank and ask the bank automatically transfer a certain amount each month, just as the bank is paying the phone bill or electricity.
3. Creating Hill
Many people consider that only a month income does not enable it to save that much. But as the saying goes, little by little, so long hill, that's the nature of saving. If you can cut down on eating out once a week saves Rp 400,000 per month (when every meal, you spend Rp 100,000) or 4.8 million a year. That's just from eating out. Take another look your shopping habits. I think you will easily find the postal savings of 100 to 200 per month, or 1.2 and 2.4 million a year.
4. Salary (Think) Fixed
Hopefully the company you kindly give me a raise at the beginning of next year. But do not rush to raise your lifestyle. Any bosses raise your salary, it does not make you feel pretty. If the salary increase of 10 percent from the previous salary, half set aside for savings. Treat it like a bill. Ask the bank to transfer half of the salary increases to your account to another. Remember, you could always live with great previous salary.
5. Close your eyes
Not too often viewed (ad) television. Or flyers that offer discount, closeout or clearance. All ads contrived so that you are tempted to buy and hard we are often tempted with frills sale or a discount up to 70%. Get used to buy what you need. Although the items you purchase less 70% of the actual price, the items still to be expensive because it is not needed and become mere cupboard fillers.
6. Off Cards
It is most convenient to use a credit card or debit card. Swipe and finishes. You feel lighter because they do not see the money being completely out. Average amount in the receipt or bill only briefly recalled. In today's difficult times, try shopping with cash. You will feel heavy. If you do not believe, you should try shopping at the supermarket as much as Rp 400,000. Four pieces of a hundred thousand or fifty thousand eight sheets will feel a lot. Your wallet suddenly seemed thin. If you still choose to shop with a credit card, make it a habit to pay the whole bill there, so that you are free of interest. In addition, you will also feel the weight and hopefully a deterrent due to overuse of credit cards.
7. Quit smoking
If the husband smoke, help your husband to stop this bad habit. Try to count, you need a husband when his favorite pack of cigarettes a day, then within a year he spent 365 packs of cigarettes. When the price of a pack of Rp 7,000, then for a year burning money wasted no less than 2.5 million. You stay multiply two times when it has the same habits. If successful, you save five million rupiah. Plus lungs cleaner.
8. Create List Menu Foods Weekly
The principle that originated from this habit worth a try. By making a list of weekly food menu so we spending patterns will be controlled
9. Record the Expenditure Plan and Save Memorandum Purchase
The easiest way is to stick to the shopping noted a note on the refrigerator, what items are up, so that when shopping we did not see the other stuff, or it could also try to purchase promotional products (down prices or buy 1 get 2). In this way you can save money next month so no need to buy the product again. For a more controlled spending store shopping bill. The purpose of this bill is to save so that we can compare the prices this month and last month. That way you'll know when the price is cheap and the place to buy cheap products.
10.View and Compare Before You Buy
You should buy the product at once in large quantities, select only the products 'special' from each supermarket. It would be better if you are willing to replace meat with protein foods products, such as eggs or tofu, tempeh. The consumption of meat is delicious, but if the excess is not good for health and the price is also more expensive. Besides compare the products you want to buy in some supermarkets, for example, a supermarket prices cheaper than supermarket fish B but wipes, floor cleaners, sugar, sometimes also produced supermarket at different prices but the quality is quite good and obviously cheaper
11. hunting Discounts
Not why you called Mendis alias Mental Discounts, which is important to skimp. Observe every day and look for promos or discounts that are beneficial for those who are usually widely available in large supermarkets. Make sure the product you buy does not expire and does really need.
How Smart Shopping Articles diskonan
Usually discount coupled with 0% installment so that the products offered increasingly good. Before getting carried away remember the following points:
a) Aware Fill Wallets
When clay promo installment without 0% and the discount, immediately check the contents of the wallet to check your ability to pay
b) Before you go crazy, you Must Know Standard Goods for at Discount Prices
Many items already discounted in advance the price increase, therefore, find out what the price of the goods Andar st?
c) Create a Priority List, Which is more important?
Remember, do not go crazy look discounts. The key is you have to hold the first purchase priority list in order to focus on needs and not wants.
d) Since the goods diskonan, Search handicap
One reason is because of their discounted goods manufacturing defects. So look up product details yes.
e) Still Cheap, But Do not Impose Self Purchase, If the size is N
Discounted goods are usually products that do not sell well so that the size is often not much variasinya.Jangan forced to buy if the size no fit for you.
f) Search By Thorough
His name is also discounted, many things are done in order to store all the goods sold. Usually shown above are the products most ugly so cepet behavior or it could be someone else ngumpetin him under selection created later he bought. So as a buyer with mental discount, you must be patient and meticulous search within goods discount.
Perform and Change Your Habits
Changing habits is not easy, especially when it comes to changing habits in the use of money. But that does not mean you can not, you can start by applying it regularly and consistently, so you can change your wasteful habits to live more frugally. The key is discipline on all financial rules that you create yourself. Good luck!