how to save my money?

China
August 29, 2008 8:33am CST
i have worked for a year. i spend almost my salary in every month. when i want to do something important,i do not have money . guys,do you have some good ideas on saving money? thanks.
2 people like this
7 responses
@klaudine (3652)
• Indonesia
29 Aug 08
I usually have my own financial planning every month. I have planned how much I would probably save this month. so that I would only spend the money outside the saving programs. I realize that there are too much temptations to buy something, but with the planning program you wouldn't spend that much. Start on the planning, I hope you would see the result..
• China
29 Aug 08
making a financial plan every month,and do not touch any money without planing,and persit in it.
1 person likes this
@klaudine (3652)
• Indonesia
1 Sep 08
that's right... only use the money that outside the programs, so you can always maintain how much money you would spend. Don't get easily tempted to buy something you don't need, that's how you can keep in the track
@curiousman (2427)
• Malaysia
29 Aug 08
What I do is I put aside a certain percentage of my salary the day I receive it. That way I won't spend all and end up with nothing. The idea is to pay yourself first before anything. Make sure you never touch the amount that you set aside or the plan will fail. Stick to it and it will grow over time. Hope this helps a bit.
• China
29 Aug 08
en ,good idea ,i will try to put aside a certain percentage of my salary to the bank. thank you very much.
@cher913 (25890)
• Canada
29 Aug 08
my advice to you would be to write down every penny that you spend and see where it is going. stop buying needless stuff (make do with what you have) and find other alternatives to spending money (instead of going to a movie, rent one or get one for free from the library!)
• China
29 Aug 08
yes,i can not helping buying needless stuss only because of cheap,it is a bad habit.
@applefreak (3131)
• Singapore
7 Sep 08
i think you might consider forcing yourself to save. when you get your salary, put aside a small amount at a place you can't touch. i put it into a separate savings account that i don't have an atm card. after that, i'll try to survive on what is left for the month. of course you don't want to set aside so much that you can't survive on what's left. it's important not to touch the amount as once you start, you'll probably spend it all. that's what happened to me when i first started. cheers ;p
• Taiwan
5 Sep 08
I have investment for fund NT$20000 per month. it will force you to save your money. although i didn't earn the money from fund. Maybe after 1~2years the investment will be retrieved.
@GemmaR (8526)
1 Sep 08
Yeah write down everything you spend money on. Where do you shop? I dont know where you live, but if you live in the UK shop at Aldi. Some people turn their noses up at that, as the food isn't branded, but it's just as good as every else, just costs you about half the price that it would do in a big supermarket! Also, you should post a lot more in this forum to boost your income a little bit. And invest any money that you do have left over in a reputable website. That way you will be able to sit back and watch yourself make some nice profits. You will have enough money for the little things in life then :)
@oscar6 (1939)
• United States
30 Aug 08
I think that a good idea in order to save money is to open a seperate bank account. When you get your paycheck deposit a set amount in each time. (like ten percent for instance) Make sure that you have plenty of deposit slips but dont keep the check card or debit card on hand.In fact see if you can just not get one in the first place so you have to physically go to the bank to withdrawl money from it. this way it is easier to put money in and harder to take money out, I hope this helps.