Keeping Your Budget and Sticking To It
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Keep a daily log of everything you spend. This keeps you in check and you will be so much more responsible about the little things you may have been spending only a little money on but it adds up so quickly. Do not cheat yourself by spending more money than you can afford. Writing your expenses down make you accountable to yourself. You will see within six month that you are doing a better job at managing your financial life. Do you realize that even just one little luxury you may give yourself or a loved one could be thousands of dollars a year that you could have saved so choose wisely. That does not mean you have to say no every time but once you see it written down you may think twice before spending for the small things and later will be able to afford something very special. The next rule always, always pay yourself minimum of 5% to 10% of any money you make. Do not spend it. It does not matter how rich or poor you are it will make you feel so much better to know exactly where the money you do have has saved. The benefit will be rewarding. Coupons are a great way to save money and even if your not the queen or king of coupons use them to purchase some of your favorite things from food, tires, clothing, pet foods or almost any products can make a difference in your life style. Check the Internet for companies that give coupons. Restaurant coupons and special can make a real difference in how often you can go out and have a nice meal. Put yourself on a restaurant’s e-mail list for specials. Ask for water and lemon instead of soda or beer. Choose a meal that includes a drink or maybe even dessert.
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