Before you begin a life saver, you must first understand what is meant by living frugally. If you judge that the life-saving = stingy and so contrary to the character and your personality, then you are mistaken because the real definition of the notion of life-saving or saving is the process of consumption efficiency in the present moment to be able to consume more in the future. This stands in stark contrast to the extravagant life that have consumed more sense at the present time by taking the ability of future consumption.
Quoting from the wise words of Robert T Kiyosaki who is also a motivator and a renowned financial expert who has published many books including the best seller Rich Dad Poor Dad, Rich Dad's CASHFLOW Quadrant. "Every time you owe money to someone, then you will become an employee of their money" which when interpreted that a good financial life will be more easily realized if you do not owe or lend someone. If the above sentence may sound corny and too universal to you, then you can begin now to practice at the start of things that are small and easy first in saving your money, what things are they ?. Here are tips to live frugally and most effective way of saving money:
1. Record and post all of the money income and your expenses.
Make a note which systematically to monitor all the money in and money out. Minimize expenses and maximize cash most of the money you set aside for savings. Discipline, commitment and sacrifices that are needed at this stage so that the plan can be carried out successfully. Remember, change will always feel uncomfortable in the early days, especially when deciding to change the lifestyle. But over time, then you will become accustomed.
2. Keep your ATM card and credit card you have.
People normally have a tendency to feel pleasure as he easily could issue debt or money easily, and you do not get stuck in the momentary pleasure. The more you feel comfortable with such a lifestyle, then the ideals to be able to live happily in financial terms in the future will be increasingly remote. Discipline yourself and always remember the goal. Well, to get around this, you can set aside part of your income for the purposes of the monthly and keep the cards at home to make it safer.
3. Change the consumptive lifestyle, prestige and expensive hobby costly.
Never feel shy and insecure when you have to cut out most of the budget you have to save and change your lifestyle. Changing lifestyle does not mean you have to throw away "style" you, but you need to do is work around. As a simple example that you can do, for example, you can replace the hobby to the gym by doing jogging every morning in the complex where you live or if you are used to shopping at the mall should be a lot of money, so now you can shop at the markets cheap negotiable goods. Even if you are smart to choose, you can get a low-quality goods at that place.
4. Dispose of your regular expenses are less necessary.
Dispose of your regular expenses are less needed and do it gradually. The cost of routine spending less has many benefits should be reduced or discard it if necessary. For instance, if you subscribe to cable TV, then you better stop just because it will only charge your expenses. Although impressed cheap, but imagine if in the long term, it will produce the accumulated charge with a large amount is not it ?. You can replace it with watching local TV shows are cheap but still exciting. If you did, then gradually you can apply to things that others, for example unsubscribed newspapers, magazines, credit cards, streamline budget mobile phone cards and other things that you value can charge your spending and allocate these costs to the savings ,
5. Bring food from home while working.
Tips for your work. Do not be embarrassed to bring food from home while working as this would reflect a more healthy life habits compared to buying food out that is not necessarily guaranteed cleanliness. In addition to saving, it is also now been widely applied by those who want budget minimize purse or middle diet with a healthy diet.
6. Find other things that cost is then allocated to your savings.
The next step is to find other things that you deem less necessary and often costly then allocated to your savings. The more you find, the more clear your financial future. Remember always the goal and achievement as well as consistency in the process, it is most important. Remember, what you are living now is the manifestation of what you get tomorrow.
Thus some life-saving tips to save money and most effective ways that you can do. Do not forget to apply it not only to you alone, but would be even better if you can apply it to your family. Always believed that in order to travel around the world must begin with one small step. So never underestimate the small things because who knows precisely because the little things you do can take you to great success.
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