How to save your money effectively
1.Set your money for paying on weekday and follow it strictly. This way will make you not pay more than that and you can estimate your expense each month. When you know that each month how much your money will be paid, you will know how much your money will be kept as well. The more you can follow this tip, the more you can save your money.

2. Try to reduce your smoking and drinking. In the long run, it will be better if you can quit them completely. Suppose your expense in both things is $100 a month, you will have to pay for them $1200 a year. If you can give them up, you will save much more money.


3. Try to reduce wandering at night and it is finally better that you can give up it. Wandering at night will bring you smoking and drinking. These things will waste you a lot of both money and time. Moreover, they affect to your work on next day: you probably cannot wake up and get up to go to your office in the next day morning. If you are often late or absent from your work, your boss will keep a look out over you and it can affect to your salary raise. Apart from wasting your money, it can also make you bad in your boss’ view and salary raise.

4. Having your dinner at your home with your family is better than eating out because you can share one another some feels between your and their works or school during the day. This way you can save time, money and power. Moreover, you have also a lot of time to think or plan of your work for tomorrow.


5. You and your family don’t need to see the movie at a theater because you can buy CD or DVD from the shop near your home or your office to see after your dinner. This way you can save much money. If your family contains six people, you have to pay for a movie $7 a person. That means you have to pay for it $42, but CD and DVD can also be kept for your family later on.

6. After getting your home in the evening, check your coins in your pockets and put them into your money box so that you can basically and indeed save money. If you can do this every day, you will accumulate your money in short time.


7. You should clearly set the goal in saving money that how much you can do in the end of the year. When your goal is met, you will be happy. If not, try it on. Finally, you will reach it surely. I guarantee that.

Good lifestyle helps save your money.

Good lifestyle helps save your money.
Truly, we have many methods in saving money and they all benefit us if we take them into result. However, most of us quite ignore them because we like an easy and lazy way in living. Sometime, we buy something which is not really necessary for our life. We take it to home because we would like to have it only.

After those stuffs are laid in the home, we do never touch it anymore; for example, we probably buy many pairs of shoes a month though we have already had many pairs of them. That is we buy them because of being lured. We should get rid of this habit out our mind and buy only stuffs that we really need to use them.
These are some tips to avoid being lured too shopping.

1. Buy anything one time per month only. The proper time is at the end of the month so that you can control you purchases. Purchasing at this time will remind you that you have how many things will be done. It will help you stop you from unnecessary ones which you just only would like to have. Since you have to balance your many expenses at the end of the month, anything is taken will be real necessary.

2. You never pay for little pieces of items which you just see them a little in price. You have to save both the price and the net. Just imagine that the small price is the small piece, but the big price is the big piece as well. The latter benefits you more than the former in comparing with one to one. Buy the big piece of any item will help you save your more money.

3. List your items that you need to from your home and follow them strictly. This way you will save from being lured to purchase more than necessary.

4. Take cash as much as your list price only. This way will help you from purchasing more than the list.

5. Especially, before going out, you should clearly divide your salary into various parts so that you can use it in correct ways. Never take one part into another one; for example, don’t take money for paying an electricity bill to buy something else.

6. After finishing your purchase, check your items whether you have got them all or not. If your money left from your purchase, put it into your money box. Never use it to pay for any more items.

7. Teach your children to do like you. You and your family will success in saving money finally.

The special commuting tips to save your money and life

The special commuting tips to save your money and life

1. If it is possible, live near your work place. This way you can save both time and money. That is you don’t have to be worry about getting up too early to avoid much traffic. You will not be annoyed by being sleepy because of staying late and getting up early. You don’t have to use your own car and take a bus so you can reduce your expenses.

2. If not above, try to use public transportations like train or a bus. Nowadays, the cost of fuel is so high and it will be very bad if you must gas up your car every a few days. Moreover, you have to get up early or you will catch in traffic jam. Taking public transportations will save your life and money better than taking your own car.

3. If you must leave of your office for special work during the day and must back to the office again on that day, try to avoid this. It had better to come to the office on next day because you will be ready to work and save your money in paying fee.

4. If you cannot avoid taking in your own car, should plan before starting to commute. You including your family probably use a car pool. Taking the car pool will much benefit both you and your family. That is to say you can be close with your wife and children and surely save a lot of paying for fuel.

5. You and your family should use the car pool both on weekday and weekend. This way will also save you and your family in the other matters; for example, you can offer some good ideas for paying goods when ones cannot make up his/her mind. You can also warn them in improper behavior on paying for something.

6. A part from on your workday, you can plan on your schedules easier and you should set them on the time that no one does like you; for instance, If you want to go out on Saturday or Sunday, you had better do in early morning. Because in early morning on that day, most people are still under their blankets, you can get to your destination easily and safely. Furthermore, you will waste no fuel from catching in a traffic jam that means a lot of to your saving money.

7. Traveling on daytime is probably safer than night time in all ways. Avoid travelling on night time as much as possible because you cannot estimate a situation. It can cost you in many ways and without short or long notice. It is possible that you can be lured to traps and dangers by both concrete and abstract matters which can lead you to waste your money.

The easy frugal tips for saving your money in using water

The easy frugal tips for saving your money in using water

1.When you take a shower, don’t use much more water than real need. You can turn on your shower as little as it only makes you clean, not too much. We mostly pay no attention in this matter. If you can do this, you will save one unit of water a month. And if the bill costs $1 per unit, you will save $1 per month and $12 per year.

2. Before doing dishes, you should get rid of all remains from your dishes so that you can wash them easily and quickly. And, water will be used less.

3.When you have to water your plants or flowers, use a dustbin instead of a tube. Because the tube take much more water and cannot go throughout them, but the dustbin can save much more water and serves your work more efficiently and effectively.

4. For drinking water, buy a 10 or 20-litre bottle of it instead of a 2 or 5-litre bottle. Because the former can be refilled, you can save more water. Moreover, it costs much cheaper than the latter.

5. You can use the tapping water to cook instead of drinking water, and it helps save you a lot of drinking water so that you can keep it longer from refilling.

6. If it is possible, don’t make cooking many times a day. Two times a day is proper, but one time is better if can do. You probably cook one time a day, but make it more than usual so that you and your family can eat in the other meals. If so, you will save much more water as well as your time.

7. Wash your clothes and the others’ all together at a time per week. This way you can save both water bill and electric one.

8. Set the goal to reduce the cost of water bill one units per month by only your own use and then try to reach the goal.

9. Tell the other ones in your family to do too by taking you as an example. Just imagine, only you can save one unit a month. If you have the other five persons in your family, each of them can do a unit per person a month as well. That means your family can save six unit a month and 72 units a year. Moreover, if it costs $1 a unit, you will save $6 a month and $72 a year.

10. Tell yourself that will be rewarded if your goal is met. The reward may be a small party at your home with your family.