5 Tips to Manage Personal Finances

Do talk about money makes you happy or even a headache? If confused and still can not answer this question, you should have started to learn to manage finances from sekarang.Masing each person has a different way to how they manage money pribadinya.Berikut financial tips and how to manage it properly:

1. Only buy what she likes and takes At the age of twenty to thirty especially if you have money in the wallet, when the road to the mall or the market look cute and unique items, may be hard to resist not to buy goods. In the end, when she saw a closet full of these items, you’d think it was not all items purchased are needed, sometimes even the stuff you do not like. Though already a lot of money runs only buy these items. Therefore, buy the items that you really need and prefer, manage the spending appetite is inside. The easiest way at the sight and want to buy goods is to indirectly buy, but give me a week to get back again, during which time it was thought reset if the item you need to have or not.

2. Limit yourself to snacks outside often tempted by the invitation of friends to just hang out in cafes or lunch outside, especially if the invitation came from coworkers or classmates? It allowed for occasional snacks outside, but you should limit it itu.Anda able to save a lot if reducing eating out by bringing lunch from home, and that certainly can add to your savings.

3. Think twice before using credit cards for purchases Nowadays many shops, malls and online shop offers cheap shopping and great discounts when paying with a credit card. It is indeed encouraging and you think gets hit a lot with the big discount. But believe happiness is ongoing only briefly. Although you may be a lot of stuff, but it could end up when you get a credit card bill that swells at the end of the month. Therefore, before making purchasing decisions using credit cards, make sure you really can afford to pay off credit card repayments are charged.

4. Do not use a personal driver This is true for you who are accustomed to using private cars when going to work or school. If you are aware of lack of finances, do not have the prestige and use the services of a personal driver. Driving your own is the best way and would be even better if you get used to use public transport such as taxis, uber, train or other public transportation, and see the results you can be a lot of profit in this way. It may not or less comfortable, but its impact in the long run you will save a lot of money.

5. Start saving for retirement as early as possible when newly graduated and received work, happiness itself could have an income and spend money on anything, so the thought of saving is not really necessary. But saving early is valuable, especially if the company where you work does not promise many facilities including money layoffs.

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