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Wednesday, December 9, 2009
We just received a salary, we often just so eager to shop uncontrollably. In fact, you have to wisdom in managing the salary so as not to run out of "breath" in the middle of the month.
Pay all bills
Once the money paid into the account, immediately pay all the bills. For credit card bills, should be paid in full so as not to get into large flowers. Even if you do not have enough funds to pay the entire bill, pay at least 30 percent of the total debt. Avoid the minimum payment with payment. Because it would only pay interest only, not just debt.
Save first, the new shopping
After all the bills paid, then enter the remaining 30 percent of the funds into savings accounts. Direct debit to salary in a savings account is also highly recommended to prevent you from saving forgotten disease. Understandably, usually while receiving a salary, which is in our heads is to spend, spend, spend. If there is remaining, just remember to save. We recommend that you change this behavior. Menabunglah first, only then you spend the rest of the funds. You do not want it, was tired-tired of working but to no avail.
Track record of spending
It is also important to do is record all your expenses in detail. Make a list of everything you spend during the month. Among them; transportation, meals, entertainment, bills that need to be paid, and so on. Stick to the list when you spend money. To avoid sudden expenses, make an unexpected expenditure.
Save the receipt
If often confused do not know where his running your salary, from now on should save all the shopping receipt. Monthly expenditure of receipt, coffee, movies, to parking, and tolls. From here you will know which expenses are very large and over budget. If you know exactly the problem, you can fix this weakness in the next month.
Lunch tactics
Not only that school children need to bring food, you are working in an office needs to do this. If you are reluctant to bring lunch every day, do it once a week. Most important, smart managing money for lunch rations. If today you have lunch at the restaurant, then the next day you can bring lunch from home. When two days out of your pocket, then the two days you also bring their own food. This will make your expenses in balance.
Variation transport
Postal transportation spending too much exhaust. For those of you who took a personal vehicle, the cost of gasoline, tolls, and parking needs to be taken into account. Well, for menyiasatinya, you can find a companion, so he could share gas and tolls. Or occasional use convenient public transportation, like train or busway. If in a month, you two weeks to use public transportation, how many dollars that can be saved?
Pay all bills
Once the money paid into the account, immediately pay all the bills. For credit card bills, should be paid in full so as not to get into large flowers. Even if you do not have enough funds to pay the entire bill, pay at least 30 percent of the total debt. Avoid the minimum payment with payment. Because it would only pay interest only, not just debt.
Save first, the new shopping
After all the bills paid, then enter the remaining 30 percent of the funds into savings accounts. Direct debit to salary in a savings account is also highly recommended to prevent you from saving forgotten disease. Understandably, usually while receiving a salary, which is in our heads is to spend, spend, spend. If there is remaining, just remember to save. We recommend that you change this behavior. Menabunglah first, only then you spend the rest of the funds. You do not want it, was tired-tired of working but to no avail.
Track record of spending
It is also important to do is record all your expenses in detail. Make a list of everything you spend during the month. Among them; transportation, meals, entertainment, bills that need to be paid, and so on. Stick to the list when you spend money. To avoid sudden expenses, make an unexpected expenditure.
Save the receipt
If often confused do not know where his running your salary, from now on should save all the shopping receipt. Monthly expenditure of receipt, coffee, movies, to parking, and tolls. From here you will know which expenses are very large and over budget. If you know exactly the problem, you can fix this weakness in the next month.
Lunch tactics
Not only that school children need to bring food, you are working in an office needs to do this. If you are reluctant to bring lunch every day, do it once a week. Most important, smart managing money for lunch rations. If today you have lunch at the restaurant, then the next day you can bring lunch from home. When two days out of your pocket, then the two days you also bring their own food. This will make your expenses in balance.
Variation transport
Postal transportation spending too much exhaust. For those of you who took a personal vehicle, the cost of gasoline, tolls, and parking needs to be taken into account. Well, for menyiasatinya, you can find a companion, so he could share gas and tolls. Or occasional use convenient public transportation, like train or busway. If in a month, you two weeks to use public transportation, how many dollars that can be saved?
Labels: business
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