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Living today and coping with all the accompanying stresses and strains is hard enough without having to worry about money. Unfortunately, we cannot get away from it. Most people feel overwhelmed and anxious about money and the decisions they make ? and rightly so, as one wrong one can affect you and your family for the rest of your life. When it comes to daily living and day to day expenses, there are several easy strategies you can implement to be careful and to protect yourself against future financial woes.
Money Saving Tip #1 ? Stop Increasing Your Debt
The old saying ?cash is king? has never been truer than today. If you don?t have the ready cash, then don?t buy it. You have to start cultivating healthy spending habits. If you usually whip out your credit card and gaily sign the slip without even looking at the price, then go shopping without your credit cards. Cut them up, lock them away, and don?t use them.
Money Saving Tip #2 ? Adjust Your Spending Pattern
Out of the Great Depression that America and the rest of the world suffered years ago came a new way of life and a changed attitude towards spending money ? becoming ?thrifty? and being ?frugal? were the new watch words. Right now in the twenty first century, these words have come back to haunt us. Buy only what you need and not everything you want.
Money Saving Tip #3 ? Spend Less Than You Earn
Most people spend more than they earn and that is why they use credit cards and soon find themselves in a crisis situation of unmanageable debt. This is one of the most difficult habits to break, especially when TV adverts and magazine adverts are continually advertising smart cars, fancy houses and dreamy vacations. Try this simple formula to help you keep a record of what you are spending: Income minus Expenses equals Remaining Balance. If you are lucky your remaining balance will be a positive one, but if it is negative, then you have a problem. Either you have to earn more or spend less. Both of these present their own set of problems, so maybe it is easier to simply cut back for a couple of months. Research shows that it takes 21 days to break a bad habit or to introduce a new habit. You have to decide what you are going to do here.
Money Saving Tip #4 ? Watch The Pennies
?Look after the pennies and the pounds will look after themselves? ? how many times have you heard that saying? Well, it goes hand in hand with having a workable budget in place. And it is no use having a budget and not sticking to it because then you are defeating the object of the exercise in the first place. Try and split your purchases into ?wants? and ?needs? so that you can work out what is really necessary. When you see how much money all those little extras like magazines and takeaways cost you will be amazed ? and maybe jolted into saving that money immediately!
Money Saving Tip #5 ? Set realistic Goals
Setting a goal to save half your income every month is totally unrealistic. Setting a goal to have a certain amount saved by a certain time is realistic and attainable. Decide to give your children money for lunch at school once a week instead of three times a week ? the other 4 days they can make their own nutritious lunch at home to take with them. After the first couple of weeks, you will start to see a pool of money building up and that will give you the confidence to carry on and set bigger financial goals.
While these are all simple savings strategies, they all contribute towards a healthier financial future for you and your family. From you setting the example, your children will learn to become equally disciplined. From simple beginnings, you can achieve great heights.
This article was kindly provided by SA Debt Counselling.
Source: http://greenbearinsulation.com/2011/08/13/5-simple-money-saving-strategies/
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