Spend money wisely and your wallet will never be empty. Follow these useful tips to be happy.
- Find clothes on sale. Look for clearance sales at stores. Try stores like DD’s discounts (they have awesome jeans for Rs.100 if you search hard enough). You can go through the mall and often bump into Rs.150 tank tops, Rs.250 jeans, and buy one, get one free events. Be sure to buy basic items like a long tank top, a basic t shirt, and at least 2 pairs of jeans.
- Find versatile footwear. Buy a pair of flip flops (black or white because they match with everything) .
- Avoid splurging too much at once. If you go out to the movies, for example, don’t buy movie theatre snacks. Instead, after the theatre, get a milkshake or doughnut from a store nearby.
- Accessorize. Accssories are costly sometimes but if you go to Claires and Icing on holidays, stuff will be 50% off. Get all your stuff during holidays. And if you wanna get really creative, make your own purses, bags, wallets, and cell phone and ipod cases by crocheting and knitting.
- Save half of each paycheck and use the other half for spending. Or divide it into three, some for spending, some for saving and some for bills.
- If your job does not take up all your time, get a part-time job to make more money. Even if this job is a once-a-week thing, if it means more money, go for it!
- Do not get a credit card unless you are under deadly circumstances. A credit card just tempts you to splurge out.
- Compile a list of what you need, and what you want. Budget for it so that when your salary comes in, you can buy what is on the list. Don’t buy anything that is not on the list, though. Include food, clothes, and extras for the kids.
- Treat yourself when you have saved a lot of money. Instead of buying that expensive watch, you bought a cheaper one and save and Celebrate by going out for coffee with a friend.
- Ask for a pay raise if you feel you deserve one. Tell your boss why you think you deserve one, and reason fairly.
- Know when to limit yourself. If you are a magazine obssessed person and you buy so many magazines each month, stop! Choose one or two of your favorite magazines and subscribe to them for a year.
- Don’t go out and spend all of your money at the pub, drinking. It is a waste. Limit yourself to a couple of drinks or no drinks per week. Or you can just quit drinking altogether. It will save you a lot of money
- Go through all of your old stuff, sort out a section that you don’t want and sell it. Hold a garage sale or auction off stuff on eBay. Instant cash!
- Avoid borrowing money. It adds up to the cost. You really want something. Put it on a list, and get it next month!
- Limit your computer, telephone, television, radio, and electricity time. Use candles instead of lights, watch less TV (if you are obsessed limit yourself to one TV show a day), don’t bother listening to the radio, go and visit your friends instead of calling them…..
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