Here are eight ways recommended by Malkiel and Ellis to make you use the money more often, and save more often.
1. Recognize the use of your credit card. Credit card users that discipline can get rewards points by using his credit card for all spending, but pay the entire bill on time. If you lack self control, you should use a debit card just to make sure your expenses are not greater than your account balance. Observe your billing statement to find out where you spend your money.
2. Let someone else pay for you. How do I? For example, you follow a defined contribution pension fund. Ask the bank to arrange for automatic deposit to withdraw your funds. Thus, you will not forget to deposit the pension fund because the funds are automatically withdrawn from your account balance.
3. Deposit of salary and other income into a savings account. You will not be given the opportunity to utilize the excess money to spend excessive, if you have to transfer it to another account. Do this as soon as you receive a salary, rather than after thinning salary.
4. When you pay for purchases with credit cards, write down your expenses immediately. With a note, you will know that if "the fund shopping" has reached a certain amount, you can no longer go shopping. You also do not be surprised when the credit card bill comes, and you'll have enough money to pay the full (balance) portion of the claim.
5. Transfer remaining salary money to another bank account. You may not need a "small change" remaining salary this month. However, if you always move the remaining balance of the end of the month to another account, at the end of the year you could use the money for a holiday lunch or buy a branded item you want.
6. Save your pocket money. Bring their own lunch from home, or buy a sachet of coffee for coffee-coffee substitute event after work, will greatly save your expenses. You can enter a sum of the price of coffee that you buy at the coffee shop into a special box to save a dime. At other times when you need money to do treatment or facial hair, you can take money from it.
7. Get used to pay debts. What does he mean? When you complete the payment of debts in installments until the debt is paid off, keep aside a sum of installments to be transferred to another bank account. So, as if you are debt, but actually you are saving.
8. It's hard to decide which boss you want to buy? You should not have to immediately make a decision at that time. Allow yourself to lower the tension by coming home alone. After the heart and your mind clear again, usually you will not be returned to the store to buy the goods.
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