it happen to me all the time that the last two weeks of the month, something i got is only 30 cents in my pocket, all my 3 accounts is empty as well.
how come this could happen? because i never pay attention to what i expense, i never know how much i should expense everyday, once got money in pockets, call friends and drink.
well it’s a habits that i should now take the corrective action!
1) track every expense: it’s right that i never know how many gone from my hands, stating from today i will track all my expenses, keep all the bills if possible. every month i will separate 50% for expense, 50% for saving. let’s face this reality.
2) No more Karaoke:i think the most expense i experienced in the past is Karaoke, we at least spend $100 to $200 per time. if we all drink what we paid is good but most of the time we pay for the Girls’ drink. so no more would be a big change for a better tomorrow.
3) reduce buying DVD: i usually spend 20 USD every week to buy DVD, from now i should stop buying it and wait to see them one year later on Cable TV which cost me only $10 per month.
4) reduce dinner out: i don’t go out often these days but maybe need to change the restaurant, go to the nice and cheap one, the problem is i love the places that got design, good environment, good music, good food … need to challenge for the cheaper one.
5) No more coffee at the airport: each morning i usually spend $1.5 for coffee. i got no time to go to any other place to drink. that’s the reason i stick to the airport coffee that if i count i could save $30 per month by simply drink a free coffee in my office.
6) Reduce my phone bill few passed months i spend $100 for the phone bill. now i purchased 013 QB which cause me only $3 per month, the only difficulty is the service is not always available, especially in my bad room.
7) No more New book: i sometime buy new books from monument book which cost me from $10 to $20 per book. i can find easily the used book at somewhere down the street behind The Royal Palace, maybe it’s USED BOOK.
8). Think twice before buying: i never hesitate to buy anything as long as i can pay, sometime i buy things i never use or just by curiosity only. i should buy only what i need the most.
hope by doing all those things will help me to save money and build a better and secure future.
any advise you could help to save money?
i found some advices here:
- BusinessWeek: Twenty-Five Ways to Save More Each Month
- Zen Habits: How I save money
{ 8 comments }
