It’s not what you earn but how you spend your money that will make you rich! 1. Rules to shopping – Why are you going shopping? – Can you afford the item? – Should I use the money for something else? – Do I NEED or WANT it? – Am I going to enjoy buying this item? – Is it value for money? 2. Avoid impulse spending by not going to the shops. 3. Food thrown out is money down…..
Saving is – spending less that you earn. Money in the bank gives you choices and options and helps achieve bigger goals. Regular savings = regular results. One of the best ways to save money – is not to spend it. Divide your earnings into money for today and savings for tomorrow, stay on track, keep records on the progress and focus on the reward at the end. One step at a time and every little bit helps. Email helen@simplemoney4you.com.au…..
Learn the rules and play by them. Make the best of the current situation and try not to get penalised. Money matter rules include terms and conditions, costs and penalties. What is the cost to me now, what is the ongoing cost and when will the cost stop. Always run the numbers – cost out the options and choose the best for your circumstance. The choice will not be the same for each person since everyone has different needs and…..
Money Management is all about making your money work for you. To manage your money better – work out where it is going, learn smart spending habits and simple saving tips, record your money in and out and deal with the paperwork. You cannot eat your cake twice, you cannot spend your money twice. Smart money management includes – knowing your spending in relation to your earnings, thinking about what else you could spend your money on, sticking to a…..
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