Question by Curious_one: What are some ways to save money and tips to budget better?
I am 23 and have been struggling to end meets because I am out of a job. I am starting work in a few days. I just live pay cheque to pay cheque and really need some help or advice. How can I learn to save more. what are some ways that work for you. I have purchased a book to write all my expenses in but how should i organize the information. any tips would be great!!
If Im using excel spreadsheets for this what should be the different categories and what do I need to include. The name of the store or just the item name date purchased and do i need all my recipts
Best answer:
Answer by rh
We are wholesaler of Nike Jordan and Other Shoes in China,our price $ 33jordan shoes,$ 15tshirt,15sunglasess, $ 13cap,$ 33jean,$ 35bag
our website:
WWW dot STREETCANDY dot ORG
Give your answer to this question below!
Use excel as it will be easier to track this way. When your paycheck comes in take 10% and put it in a savings account…pretend this money is not there and now you are left with the 90% to spend. Take a look at what you are spending money on. Are you eating out too much? If so cook more at home or look for cheeper options. Before you go out to bars make a couple drinks at home so only 1 or 2 at the bar and you will still feel good. Do things that don’t cost you money but occupy your time in a satisfying way..perhaps working out? playing an instrument?
My tip is to understand why budgeting/saving often fails and if you avoid the pitfalls when using your system for controlling your money you will make a great success of increasing your wealth.
Here’s the failings!
Failure to prioritise expenses.
Failure to budget practically for normal out-of-pocket expenses like groceries and fuel.
Failure to plan for the unexpected.
Failure to include quarterly or annual expenses.
Spending more money than you pocket.
Failing to understand interest charges on credit card facilities.
With these at the back of your mind you can then work through your situation using the list as a guide and put in your book the money you need to avoid any problems. You may need to get creative on making the money go around if the money is very tight but don’t ignore the problem. Failing to plan is planning to fail. Good luck and when your a multi-millionaire remember me!
I would first look at what you’re spending your money on.
Go through a typical 30 days and write down every cent spent.
Chart it out on paper, in your book or Excel spreadsheet.
You can then sort by priorties and find out where you are spending the most of your income.
If you do a lot of shopping, at stores or online, check out this FREE tool that always finds you the best price.
http://www.MyShoppingGenie.com/Freedom and download your FREE Genie.
if you want to get easy ways to get prizes online you should definetly go to this website it is easy free and is definetly not a scam here is the url to this site http://www.prizerebel.com/index.php?r=1185367
here is a tutorial of how to use prize rebel
1. type in the url above
2. once you get to the prize rebel site you will have to sign up.
4. after you sign up it will take you to the home page of the site.
5. on the left it will show a bar that says navigation at the top click on the “view available offers.”
6. It will show you a big list of offers that you can choose from.
7. choose one of the offers and complete it.
tips: you don’t have to use your real accurate information for the offers.
:if u don’t live in the USA you can click on the top of the site were it says Canada, united kingdom, and australia.
:also you can earn more points by clicking on the top of the site were it says USA credit card required or USA cell phone required these ones will cost money but get you more points.
Try using online money management tool like moneyStrands; Just like most of these tools, it allows you to define each transactions to fall into a specific category. Once you have added those, it allows you to get a nice birds-eye-view at your spending. Bill reminders is one more added advantage. Also allows you to set budgets for each category – so then you can check to make sure you aren’t overspending. It calculates a rough estimate of your Net Worth for you – it’s accuracy depends on how much info you provide.