Hi, everyone!
It’s me, the blogger of this blog.
This time, I will give some advices about how to handle your
daily finance, especially to a person
with obsession in shopping ―who doesn’t like it? , but still want
to survive for tomorrow.
May be, I am not a good person to give these advices, but
believe me, I have a bad hand to control my own finance problems until I did
some thinking what’s the matter with me― Of course, in control my spending
money.
Don’t waste the time, read this bellow to help yourself and
control your finance money for the future!
1. Know how much
do you have money in a month
This means, you
must have a record how much money do you have in a month to spend in your
personal spending. Write it down on a little note or just use Microsoft office excel to make it easy for you. This is a sample of mine from MOE, I just
make an empty form. You know, we cannot show a private stuff in a public.
The form for weekly spending is like
this bellow or you can make another creative way to count your spending. The key to make this work is making a
commitment with yourself to do this.
Because, some people sometime get lazy to do some easy
stuff. If you are too lazy to open your PC, laptop, etc, etc, then buy a note
book. Write down all of yours before you spend your money in a month. You’ll
surprise with the result.
Making a
daily journal of finance is not hard, as long as you have commitment with
yourself to do it, as I said before. Oh, do not forget to collect all of your
receipts after you have shopped some items. It’ll be a great helpful to count
your spending and know how much price changes from time to time.
2. Do simple tricks
Before you use your money, do some math for
your future spending. Means, you must know where your money will gone. Separate
them into some pieces of envelope, write on front side of envelope what kind of
activity to spend that money. In example, if
you have money to pay your house’s rent, then write it on
envelope such as “house’s rent
for this month”. Separating your
money will help you control unexpected
spending. The point is, do not put your
money in one place. Do not ever! This simple reckless that always happen in real world. Just like do some invest, a smart investor doesn’t put all his money in
one place, too risky.
When you go
outside, make sure you bring enough money, but it shouldn’t be so less. Me,
always hidden $ 5 in my bag or my wallet
as a reserve. I slip it in a tight place. We can’t predict some bad thing can
happen in the future.
If you have
credit card, I advice do not always bring your credit card every day, every
time and everywhere. Sometimes, you’ll need cash only.
3. Making a shopping list
Before you go to shopping, make sure you had already planned everything
that you want to buy in that time. Do not buying item which is not include in
your shopping list. If you have to, convince yourself how important that item
you want to buy. Is it just a desire to spend money or a useful
one? Choose the better one.
4. Know your position and motive
Do you have an obsession with shopping? Happy to get new arrival? Get some cute high
heels? Or you just do shopping because you can dismiss your stress along the
day? Etc, etc, etc.
Everyone has a motive to buy something. Knowing your motive can lead you
to know where your position as a buyer is. It will help you to manage your
spending a lot. My tips, if you a person that has an obsession for shopping
please, look back your old items. Are they still worth for you or not? If yes, do some changes with your old items,
may be reform them into something new, E.g. if you have obsession with buying clothes,
then get some old yours and remake them.
But, if not worth it and not good for you, just threw them into trash
can (or just donate them for people who
need them), or if it’s still good and not worth it for you, then resell them
back. You can save some money from that.
For person with problems in dismiss stress, my tips is, yes, you can
still go to Mall, your favorite stores, or places where you are usually go
shopping. But! Remember your
position and motive why you in that place. There’s no problems if we
just looking at some items and not buying them. All we do is just looking
around. When your desire to buy an item up, think again and count to 10 in minds,
is it important to me to buy this? Will I regret after I buy it? Then walk away!
5. Commitment with yourself
And again, please, do commitment with
yourself; do not get lazy to do that. You will really surprise in the end of the
month how much money you have spent on them. And regret, yes, always show up in
the last time. It will stick on you when you see the number. Please, do
commitment.
Note: sorry for bad English. Comment will be appreciated!
