Saturday, 6 October 2012

Prudent Spending (Needs vs. Wants) .. do we wisely?


Everybody wants more money per month do not matter in any way, including the make side income or save money by planning expenses (financial planning) based on their ability. Accordingly to meet the intent and purpose of this e-book is made, then I'll give you some tips and ways to save your money more easily and readily and earn pocket money 'more' that might benefit you.

Identify Needs vs. Wants. Must always give priority to the needs of the shop. As the saying goes, "Measure shirt in your body." Prepare provisions for "emergency buffer" (emergency account). Must always glance ahead and be prepared for any eventuality. Make a decision on how the money SHOULD be spent from the beginning even if record good money flow in. (credit) and outflow (debit) to raise awareness of the importance of the money! Focus on short-term financial goals and long-term. Put a renewed determination in the mind and soul that something realistic to achieve in a practical period of time.

Financial plan in accordance with current income is not income forecasts. Remind yourself of the importance of spending prudently for their own benefit and secure the loving relationships with family and others. Adjust to changes in current or family. Adapt to change / salary loans / scholarships. Set expectations for system storage space and a systematic investment and guaruatte. Recommendations can be identified to help are as follows:

1) Buy goods at wholesale / bulk 2) Buy second hand goods / auction cheap 3) Season Promotion & Megasale 4) Harness & Prepaid iTalk 5) Recycling / Recycle 6) Use plenty Member Card / privilege card 7) Stay active in public places 8) Reduce plenty of entertainment reading 9) eat less at fast food restaurant 10) Cooking & eating at home 11) Plan a trip & save petrol 12) Quit smoking

Think…

The fact is there are many more ways to save your money from being wasted. It predicate upon the awareness and careful financial planning. Whatever the case, plan your expenses with rationality. Consider each flow in and out, does it meet the budget and we need every day? Sure you keep the 'savings' at least 10% of your monthly income in place every were islamic profitable investment. If you suffer from a deficit or debt problem, this means a more stringent need to be able to solve your debt with more structured. Do not forget to give alms and charity charity because it is one of the secrets stored in which God will multiply their menginfaqkan provision for them in any way fisabillah property. With all this may hopefully these tips will help you plan your finances better next give a more successful future.


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