First calculate then Spend: how not to pull hard earned

Proper financial management suggests that spending decisions should be taken on the basis of priorities, and think about whether to spend the money it generally before each purchase. Modest check-list of four questions will help you decide whether you need to shell out.

Before you pay for the item, service, or experience a lesson, count how much profit you will bring charges. Expenditure may lead to income before purchase if you think that you will get as a result.

Here is a sample list of questions to check the ...

1. You buy something for the family?

First, think about whether the purchase of your family. For example, you love to photograph memorable moments. Or spend your free time together in the gaming space. Then buy a camera or a set-top box will often be close to family. Make sure that the new thing to fit into your lifestyle and family entertainment.

2. Buying save you time?

Another reason to buy anything there, if the acquisition of free time and give you a few hours or minutes for useful lessons. When you hire a housekeeper or purchase frozen foods, you have to lay out money. But you're not just paying for the services or products. You and gain time for other things or to communicate with loved ones. It's worth it to pay.

3. Does your health improve?

Sometimes spending help to improve physical condition in the long run. If you buy the more expensive, but better products, longer you stay healthy. Buying a good pair of running shoes or sports equipment - it is also an investment in health. Investing in yourself always make sense. Unless, of course, they really help to be healthy.

4. Your quality of life will increase?

Think: Would you be happier after the pay? Quality of life will grow? If you often cook on the grill and relax in the countryside, then buy a good stove and build a country house. Someone who likes the comfort of home, while others prefer to travel. Decide what is more important for you, and think about how to make life better.

Live and live well even better

The key point for decision-making: the costs should help. You know the exact answer to the question that you would buy? You will have the time, you will become closer to the goal? Be honest. If you do not get more than spend (or spend money for nothing), you should not throw your money away.

Before you get the purse, figure out how the acquisition will change your life. And think about how to spend that money better at really bargain.