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Sanju baba | How to save money ? |
I am unable to manage money please do help me |
 |
 
For sure
|
Think and place percentage goals, very easy. |
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sloop_sailor
|
Open a savings account and make savings a monthly bill that has to be deposited into that account. Make a rule that the account cannot be accessed except for emergencies. By making it a monthly payment, you get used to putting money into savings. As the amount grows, roll it into longer term investments such as a Certificate of Deposit.
By using this method you will get used to not having that money to spend and make adjustments accordingly. Good Luck and enjoy your savings! |
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Aphrodite
 |
I have kind of the same problem, i find what helps is to seriously make a list of every penny spent, carry the list everywhere so you can write it down and soon as you spend it. lso, start saving ten percent of your paycheck. good luck! |
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Halo
 |
Set a monthly budget. Open a savings account and setup an automatic transfer for a fixed amount to be transferred from your checking to savings account. |
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StraightDrive
 |
Plz look at your expenses and reduce the highest expense as much as you can. Next trim the 2nd highest expense item and so on.
If you cannot manage money do the following:
1) Dont use a cell phone
2) Give 20% of your income into a recurring deposit account.
3) Use public transport
4) Stop spending on movies, hotels etc.
5) Dont spend on alcohol or cigarettes.
6) Work part time on a second job
7) Maintain an account of your expenses and trim them month after month.
8) Dont try to keep up with neighbours or friends. Dont spend more than your income.
9) Dont use credit cards.
10) Dont buy depreciating assets. Buy appreciating assets like gold or shares.
Do it for a few years and you will be saving money. |
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bsdirqconflict
 |
First be honest with yourself, you're in debt because of bad financial decisions (unless it was a medical issue or something similar).
Most financial gurus will deal with numbers and percentages and some people have success because they've already reached the point of realizing that they are their worst financial enemy so any system that is reasonable will be successful however there are many, unpublicized, that don't succeed because they're looking for the system to solve issues that it won't solve which are behavior related. Once you realize that you are the thing that is holding you back financially any reasonably based budget that you adhere to will get you where you want to go.
You have the _potential_ to whatever you want financially in life however until you can rectify _you_ the gold ring will always seem to be just out of reach. |
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mcollins391
|
There's a million sites out there that give free tips on saving money. One of my favorite's is:
http://www.saving-money-and-living-debt-free.com |
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lover of Jehovah and Jesus
|
it is not easy to save money. as soon as you get paid the bills are yelling pay me pay me. |
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damnnatzis
|
The best way to save money is to pay yourself first. Everytime you get a paycheck set aside a small amount for savings BEFORE you do anything else. If you wait until the end you will inevitably have nothing left. A system that also worked well for me was using envelopes for my money. For instance, I made an envelope for entertainment, gifts, bills, so on. Before I started spending I decided on an appropriate amount of money for each envelope. Therefore, If I ran out of money in one particular envelope that let me know to stop spending money on that category. Finally, I would recommend looking into www.emigrantdirect.com which is an online savings account. You will get one of the highest rates, but you have access to your money. One of their features is allowing you to have a certain amount of money automatically deducted from your checking account into the emigrant direct savings account. It's the old adage of out of sight out of mind. If the money is automatically deducted chances are you won't miss it. Hope this helps! |
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Modest
 |
When you bring home your money, put a sizeable amount straightaway in your bank account the next day.
Next, consciously go about cutting costs at every step. Specially the avoidable and unnecessary ones.
You might reach a stage where you would be unable to continue any further with the money in your hand. Draw some money from the bank. Only just as much as you anticipate would be necessary to meet necessary expenses for the rest of the month. If you are able to save any from the amount drawn deposit it in your account again.
If you can continue like this for a few months, you would be able to develop a habit of saving. You would also be able to have a sizeable saving in your account which could be used to meet unforseen or emergency expenses. You would also have a realistic idea of how much you need to spend and how much you can actually save without starving yourself.
Savings made thereafter can be prudently invested in long term or fixed deposits or stocks, mutual funds etc. The main benefit would be that you would gradually begin to love saving. |
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pianist
|
Do not spend, as the Hariyanvis
do with their cash.
They simply, put the money in
earthen pitchers and keep it
under ground.
In Tamilnadu also, people do not
spend money. They keep only
5-10% salary in home and rest
in bank or buy gold.
Start eating boiled rice with salt
and skimmed milk curd in all
your meals and you will be able
to save lot of money. |
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vaman atmakur
|
It depends on how you wisely balance the income and expenditure. Cut down all the wasteful and luxurious expenditure. Spend only for the essential needs. For instance out of 100 try to keep it aside at least 20 as savings and think that your income is only 80. In the beginning you may feel difficult. But after sometime you will be adjusted with it. Only thing required is your will to save with the existing income. |
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harycool
|
first of all, how much u save. highly depends upon how much u earn and what r ur responsibilities. but the best part is every body can save.. irrespective of what he/she earns.
out of each 100 dollars u earn make three saving compartments
1]this is for long term use. invest this regularly in retirement schemes payback investments, mutual funds etc. 5-7 dollars each month is good enough.
2] this is for short term unexpected use. 10 dollars each month like medical expences, family unexpected requirements etc, but remember that this is ONLY for unexpected expences.
3] save for expected short term expenses. for example if u have fixed a date for buying a car, or renovating ur house, calculate the expected expenditure and save likewise. this also includes ur regular bills like electric, telephone and other household expenditures. this can comprise as much as 30- 40 dollars/month. depends on ur needs.
if possible try to maintain three different accounts for these savings.
it is very important to consult an independent and trustworthy financial advisor and not an insurance advisor for long period [type 1] saving in some good payback insurance scheme or retirement plan.
saving can be done in the most minimum income, it is not very important HOW MUCH u save, but it is very important to SAVE REGULARLY without fail.
discipline ur self that u shall not withdraw money from the savings, for any purpose other than what it is meant for.
also make some plannings for ur ejnoyment and weekends as per ur liking. if u have not planned for that, there are chances for u to spend over budget.
good luck |
|
chikqie
 |
stop too mch cravings.. like shopping, food, apparels, shirts, shoes, bags, furnitures, decorative things... or whatever it is that makes you itch to buy...
avoid going to temptation island,,, like malls, luxurios places... etc...
try thnking of tomorrow... imagine yourself, in a very stiff and in very need of financial,,, then thnk how you could invest properly... where your money go.. is it just for fancy thngs?
then imagine how much you can do saving in a month in a year and what you could have in that amount think of something so important that spending it would make you cry a river in the event you need it in emergency...
its not wrong to spend, just enough,, not too much.. once in a while treat youself... have something just economical.. you cant be a superstar in 20th century by just buying branded things,,, or spending and showing much,,, you can be a superstar when one day, you open your savings and found out you could even see a treasure of prespiration discipline and hardship in the face of managing your wealth properly....
goodluck.. you can do it.. |
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Rainy
|
1 st live within your means . . .don't use credit except for items that will last (5 + years) or absolute emergency . . pay cash for everything else. Budget 25% of your earnings for housing, 25% for living expense(electricity, water, food) 10% for saving would be ideal but that depends on your life style(car note, clothing, education, insurance) |
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gopz_cond
|
The Best way to manage money is to look and allot in terms of Percentage, Divide as 100 parts and allot in terms of Necessity,Emergency,Savings,Entertainmen... etc and just stick to it.. this way you can eliminate unwanted spends.. if Entertainment is gonna cross the alloted money.. postponed it to next month be it a movie or buyin an iPod.
Goodluck |
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cfcturner
|
Earn more or spend less simple. |
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daddy "d"
|
Do the un-American thing. Sacrifice some things. |
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minootoo
 |
To save money you must make what you need plus some .
If this is the problem, then, then you are not alone.
Some people make lots of money and still cannot save.
There is cure for it.
It is discipline. You must save first, then spend. You do not have to deprive yourself, you just must postpone the pending.
Tip:
Buy only what you need.
Use classical style clothing they do not get out of style.
Stop eating outside. Eat all meals at home. If you are spending $200.00 eating outside, you can eat it at home for $80.00, you can save $120.00. You will eat healthy.
Stay fit, rest, sleep and relax.
If you are lucky and if your company matches the savings, join the plan, matched money is free money. There is no batter deal. |
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ritu
|
Dont spend |
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thisxlifexisntxrealx2006
|
give it to your mom or spouse and tell them to only let you have money when they think it is a good purchase :-D |
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