20 tips to improve their financial situation

Not in money happiness, but the financial situation for many of us it is very important. Here are a few tips that just work.

1. Pay your bills in the restaurant and utility costs in cash. This will make the waste tangible, and will be more difficult to spend too much.
2. Monthly a small delayworth in a special account. For the year accumulated a substantial sum, which can be embedded in the business or to spend usefully.


3. Do not waste your money on entertainment. Go do something at home, or, finally, spend time with family.
4. Catalogs and advertising in your mailbox - the temptation to spend money on everything. Simply unsubscribe from these mailings and do not read advertisements - your costs will be significantly reduced.
5. When the habit of buying everything Write a list of everything you want to buyExcept the most necessary. See it once a month, and if you still need to - buy.
6. cook at homeDo not eat in the restaurants. Less often buy products that use semi-finished products, recipes in haste - it is not only cheaper, but also useful.
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7. daily charging will refuse medical care, and therefore accounts for it.
8. Lay money envelopes by category: food, utilities, etc. - your account will always be paid.
9. Every week Discuss financial issues with his second half. Make sure that both are aware of each other's expense.
10. Sort the data on revenues and expenditures easily using simple spreadsheets (Google Docs, Spreadsheets).
11. First you pay the billsAnd then plan all other expenses
12. Engage charging home and run in the nearby park - no need to pay for the classes in the hall.
13. Give up cable television and watch good movies on DVD. You will have plenty of time for other activities.
14. Regular disposal of trash It will not only simplify and purify your life, but also wean buy unnecessary things, so as not to clutter it again.
15. Give unnecessarythings - clothes, books, toys. If you need something - ask. You may receive this gift.
16. use barter - share things and services. This art will save you a ton of money.
17. Accumulate money Internet-purses. Withdraw funds from them is much more difficult than to introduce - in addition, they can earn.
18. Save on gifts. Give things made by their hands, spend time with your loved ones. Generosity - it is inexpensive.
19. Teach your children how to give gifts, spend, save and earn money - it will save a lot of money in the future.
20. Happiness - not to spend money. New products require the purchase of fashion, and the purchased items are fast becoming obsolete. Seek joy in nature, school, training, communicating with loved ones.

20 Money Hacks: Tips and Tricks to Improve Your Finances