9 TIPS TO SAVE MONEY

Desire to control is one of the main capital for a savings. Follow the tips below so you do not need to be a headache due to salary "evaporate" before the end of the month.

1. Create a list of your expenses each month. Included in this case is to fund the repayments or rent a house, electricity, water, telephone, daily needs for food and clothing, freight transportation, roads and go to the cinema. To be easier, you can make it in the computer. Calculate all your expenses. Write the amount of your income every month, then subtract the amount of expenditure.

2. Check the list and find expenses that you can cut off. For example, if you usually eat outside when in the office, try to bring stock lunch from home. You will be surprised to see the money you save because of doing this.

3. Pay all the bills first, then split the money to be saved. Set aside the earlier, more expenditure will be controlled and does not panic when you suddenly need money. In addition to saving in the form of cash, save in the form of savings that is not easy to be use for something. For example, insurance, deposits or mutual funds.

4. Reduce watch cinema. If you usually watch movies in theaters each week, reducing the schedule to be 1-2 times per month. Before watching or go to the streets, eat at home first. You can save big money tolerable, especially when going with family.

5. Clothes in a shop that provides discounts at sale or waiting to arrive. Limit the purchase of clothes, just 2-3 months. Yet, you do not need new clothes each month.

6. As much as possible, avoid the use of credit cards. Except, you can pay the bill all at once at maturity. Don’t be a credit card collectors, and use this card only during an emergency. Use a debit card, so you only spend in your capability.

7. Comply budget that you have created each month. So, you can continue to save money. first may be difficult, but you will find useful when you get use to it.

8. Ask your couples to become your supervisor. So that financial management is running smoothly, both parties should have the vision and mission of the same. If not the same, discussed this case with your couples.

9. Teach your children savings since from the beginning.