SAFE SHOPPING

In the middle of the uncertain economy fluctuation, there is no one to guard. One way to apply the pattern of living sparingly. What can mothers do?

1. Create a list of the menu in advance.
Create a list of menu food for one week in advance. This way, you know what will / should be purchased, purchase as needed. The menu list can also adjusted to the goods being sold at cheaper prices. Supermarkets usually issued leaflets such, eh?

2. Avoiding Cooking In Large portion.
When you buy over-the food inedible and finally wasted, you are not saving. Instead, what you buy is all useless. Store the food that you have and separate it in plastic boxes in the freezer. Heat the food in accordance with the number of people will going to eat.

3. Make a List Before Going shopping.
Encouraged to buy goods that are not needed can be harmful to your funds savings strategy. Do not forget to check with other family members, what they need so that you can buy it at once. When you have discounts for items you normally use, buy and save.

4. Do not be tricked by Cheap Prices.
Be careful, do not usually easy to tempted because the price has been raised before and merged with the bonus as other goods and sold at cheaper prices. Compare the first store in the other so you are sure, these goods are really cheap.

5. Take advantage of the coupon.
Discount coupons or a shred of paper in newspapers / leaflets, harmless to use. Thus this can save you spending money.

6. Do not Bring Children.
Try going shopping without bringing the children and the hours that are not busy. So, you do not need to hurry and can choose the good. Children tend to ask for this so you will miss from the shopping list. For certain reasons, never shopping at the time you're hungry.

7. Joint Purchasing
If you have goods that need to be sold cheap, but in a large number, check on relatives or friends to buy together and share. You can still buy the cheaper price without useless.

8. Eliminate Shopping Habits In One Place.
Do not be lazy to spend in more than one store. Usually a shop will not sell all the goods with cheap price at the same time. A shop could be on a time to sell the meat with a cheaper price, while shop B sell the canned food with cheap price. Shopping in one place does not mean you will spend more sparingly.

9. Avoid Fast food / Drink.
Indeed correct, your time will be longer for cooking process itself. However you cook the dish more healthy and live more sparingly. Do not forget to always provide fruits and vegetables fresh. Avoid instant juice and make a fresh juice drink as often as possible. This will save you expense.

10. Save & see Shopping bill.
Check again your shopping bill. Sometimes the cashier accidentally make a mistake that can hurt you. If you are still around in the shop / supernarket, you can immediately ask for it and have corrected.

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.

6 STYLE TO HANDLE MONEY

Combatants, debtor or a gambler person are you? No, this is not intended to give a bad stigma. By knowing the type, you can find out how money can help your life.
In the book Master Your Money Type, Jordan E. Goodman, The American's Money Man said, "Everyone has kind of 'financial personality'. This is the style you handle money, which reflects the feelings, from the deepest fear to the largest desire."
To help you find the feeling, know first what type of personality your finances. Please select a suitable and search solutions.


You are Ostrich IF ...
Intimidated and confused by money. You can only have a dream business, but choosing the sink (like ostrich), if talk of money problems. Not mean that your financial pains. Only your head is too hard to think of other things better than money.
The main problem: late save money. When conscious, many things that you need to chase each other.
Challenges: Stop the shame because it is ignorance. Start your financial control.
Solution: Debit Management suitable for you. Debit to pay the bill, will make you spend more planned. If necessary, create a standing instruction to the costumer service of your bank, for the direct transfer of salary to your saving accounts.
Spirit sentence: If you are not able to believe, then you will not be able. Believe that you can.


You are combatant IF...
Your status is "searcher". You collect a lot of happy things (including branded goods) and show it off. However, the status of this issue make you more money and in debt upon.
The main problem: Cash flow is poor. Does not go bankrupt, only the future can be bleak because credit card debt and forget saving / investment.
Challenges: "Place the saddle" and be prepared to balance the income with expenditure.
Solution: Choose "good stuffs" the most suitable to you. Regardless of other lyrics. Make sure that "good stuffs" includes insurance, payments on the facilities that you need to gift.
Spirit sentence: Self Esteem is the best gift for yourself.


You are Debtor IF...
Extravagant but you do not want to confess. Despite your desperate with this situation, you need help circumvent.
The main problem: "slip". Slowly you fall more in the debt. You often take a new loan to pay off old loans.
Challenges: Relying income to remove you from the various loans and avoid bankruptcy.
Solution: Do not ignore this problem. Creditors face, no matter hard they emphasize to pay all your debts. Ask to reschedule debt with lower interest and repayments light.
Spirit sentence: Just let go the past. You can not change it and turn back time.


You are squirrel IF...
Continue to save, like the voucher and a dime in order to balance the expenditure and income. Good help, but fear will lose money even to make you miserable.
The main problem: Money is only "still" not long-lived. Inflation continues to run and "quiet money" will not give anything.
The challenge: Do not rely on the money.
Solution: You are patient, collect the money. However, save in one "basket" will not make you rich. Share your basket to another (eg, investment) if you want to get more.
Spirit sentence: Money saved dime, will not be much. Use a little, yet it is also your own.


You are Launcher IF...
Focus on settleness. You drive a lot of money on life insurance to pension funds. However, this will be the satisfaction you feel later.
The main problem: too over you invest for the future. In fact, you have the ambition that you fear to achieve.
Challenges: Use this basic settleness to achieve higher goals.
Solution: Try to share some numbers for other investments that can be enjoyed a short-term or medium, eg, savings, deposits or mutual funds.
Spirit sentence: Its time to realizing the dream with your money.


You are Gambler IF...
Bet you're happy, but not at a casino in the high-risk investment. You fully believe in themselves, feel smarter, faster, stronger and more instinct.
The main problem: Money and emotional way to invest simultaneously. You want to show everyone that you have the ability.
Challenges: Putting all the money in the "front line" is not a wise strategy.
Solution: Save money first to ensure the continuance of your life now and the future. After that, pursue a new ambition to invest.
Spirit sentence: Opportunities are everywhere, but you can not always win it.