1. Don’t ever waiting for the rest of the money end of the month. What do you do when you receive a salary at the beginning of the month? Do not think to use the money. It’s good when you receive a salary, immediate savings of 10-20% of your total income, and then the rest you use to meet daily needs. If you wait for the rest of money at the end of the month for savings, then it would be more temptation to spend the money.
2. Don’t only have one bank account. If you only have one bank account, it would be difficult for you to manage finances. That’s because you will not know how much money has been saved because mixed with so many expenses. In addition, you will be tempted to spend more because they feel there is still money. Therefore, you should create a separate bank account and is intended only to save it.
3. Don’t often withdraw money at the beginning of the month. Having a separate savings account with other accounts is aiming for something unexpected, but it’s good for these accounts, you do not ask for ATM facilities. If you have an ATM for the account, it will be a serious temptation for you to take the money.

Those are the three mistakes in saving money. Hopefully, it can help to control your own finance.

Handle Money

1. Anticipate your savings in the bank. If you have strong desire in saving money, it would be difficult to happen if there are many temptations around you. Therefore you must anticipate savings by way of coming to the bank and asked to be given the knowledge of automatic transfer to saving money. Divert some of your money from your salary account to another one or you can open a retirement savings account. Another way is to follow a program that has a lot of savings deposits held by banks famous. This type will set aside some of your money to be saved or used in an investment and earn interest.
2. Pay cash as a primary payment. Paying with cash then you will spend money more wisely. Credit cards could increase your consumptive behaviors. Therefore, use a credit card to pay for the purchase of goods or services that are big and important. Do not forget to adjust it with the ability to pay the mortgage.
3. If you’re not in mood, staying at home is the best choice. There was a study that says a person will spend more money if they aren’t in mood. This certainly will make your finances are running low. If you’re not in mood, stay home and cheer up yourself by watching television or DVDs.

Those are tips to be more diligent saving money. These tips are obtained by a study conducted by research institute of University of Chicago, MIT, Harvard and Carnegie Mellon. Hopefully with these tips could increase your desire to saving money.

Best Regards

Handle Money

1. Type of the Goods. Buy essential items that will never out of date, no matter whose was the trend. For example: a shirt style that fits the body (body fit), a good pair of intersecting material, leather tote bags, black dress, and classic yet stylish cut jacket. Such goods will be durable for many years and would not know the term is outdated.

2. Cheap No More Ugly. Even Karl Lagerfield agrees that cheaper does not mean worse. He said, “The design is no longer a problem of great price”, so do not jump to sneer that is not too expensive brands just because they’re not designer goods. Brands that are more affordable, such as Giordano, Bossini and Fox sell products that are well designed and trendy look okay in the cabinet or your body.

3. Self Control. Practicing self-control, do not directly buy an item once you saw and liked. Let’s see other stores that may sell similar products but at lower prices. If you feel that the object was owned by the current entry category, ask the clerk to keep them in advance to prevent impulsive buying.

4. Try Wearing What You Estimate the Change Room. You look carefully in the mirror while doing as many positions (especially sitting) to ensure the clothing fits and feels comfortable.

5. Mixing with your collection. Remember the contents of your closet and do solid-equivalent in your mind each time taking something o be tried. If clothing does not fit with most of the contents of your closet, or do not fit with your style, then leave it out

Learn these tips are could be good to Smart Shopping Efficient. So you can handle money more effectively. Just try it or implant this into your life habit before shopping. Then you will make yourself a barrier to prevent you from unimportant things to buy.

1. Turn off lights and electronic equipment when not needed: at lunch, meetings, home offices, and so on. Do not leave it in stand-by state, turn it off. They still consume electricity, try to be economic person.
2. Purchase electronic equipment with the most energy-efficient models, you can buy kind of tool such an economic lights or Air Conditioner with take light electricity.
3. Need water to drink? If you want to boil a water used according to requirement. To bathe, use solar heating. And, do not let the water flow is maintained continuously.
4. Clean the vacuum cleaner filter, including an AC filter. Clogged filters cause the motor to work harder which uses more electricity.
5. Take advantage of sunlight and natural wind optimally in the daytime. Open the windows wide open. Turn on the lights during the evening. Do not forget the lights replaced with energy saving lamps. And, the lights are always kept clean so that the light at max.
6. Refrigerator door must be sealed and only opened as needed. The contents of the refrigerator taste. Don’t fill your Refrigerator with so much stuff unneeded things. This will make the refrigerator work harder.
7. Adjust the temperature of air conditioning as needed. Because of the colder temperatures more and more electrical energy is required.
8. Use washing machine only when you have a large laundry or using it according to capacity of the machine. Then, fill the water according to instructions. Use the hot sun to dry naturally. Efficient washing machine can save up to 1500 liters of water per year. Electricity saving and water saving, it called with cost-effective.
9. Clean the bottom of the iron from the crust / dirt. And the iron will more efficient charge the electric. Set electric iron, in accordance with the required heat levels.
10. Prevent water leaks in the faucets or pipes.
11. Consider buying a laptop than a desktop or laptop personal computer since 5-fold more efficient than desktops. When you already have a desktop LCD monitor is recommended to use than the CRT screen.
12. If necessary, adjust the “energy audits” on a regular basis for your building. Ask some experts to analyze the electric that you are using and stop in waste of energy for unnecessary. These audits are usually free.

So do you already follow these tips..? Then you should try it right now. Feel the benefits then you will be happy that you succeed to handle money for the most basic needs.

On the other hand, if you decide to buy a car on credit then in our opinion there are some things you should know before you take the decision to sign a credit agreement with a financial institution or banking institutions. Learn the situation first, knowing about new car credit stimulus so you can sure which path you must to take. Learn about bad credit car, car tax credit and new car tax.

1. Recognize that providing credit
in general there are two types of companies or institutions that provide credit facilities to the community, especially for cars car ownership. The first institution is a banking institution.
While the second is the financing institution. Financing institutions usually associated with companies engaged in the automotive industry, either as a sole agent (ATPM) or a dealer. In times of crisis, as now, the banking sector will be very careful to disburse funds for loans for individual car ownership. Although some recent time some banks began offering credit for community ownership of individual cars.

2. Choose a car as needed
select the type of car that you and your family need not only want the next thing that must be considered and approved with credit. Each individual in the family has a preference on the types of different cars. This should be discussed with other family members. So the decision to buy certain types of loans have become a joint decision and enjoyable for all family members.

3. Survey prices
after you decide what kind of car you want, then the next step is figuring out how best price offered, which may be obtained by asking to several dealers who issued the type of car you want export credit at competitive prices and quality. It took quite a lot because you have to ask the dealer directly to some of the price of the car, check car prices car sales here and selling cars to help your credit. 4. Prepare and installments according to down payment.
one thing you should prepare if you decide to buy cars on credit is an advance or down payment. Which generally ranges between 20-30 percent of the price of the car. Examples of course if the price of the car you want $20.000, then at least you should set aside about $4000-$6000 million as a down payment. Not yet added to the administrative costs and fees. Consider about the size of your ability to repay each month can be calculated based on your debt ratio. Our advice, your debt ratio should not exceed 30 percent. So the maximum monthly net income was 30 percent can be set aside for use as a car loan installment.

The amount of installment will be quite dependent on the credit period you want. In general, car ownership in the credit period is from 1 to 3 years. There are also financial institutions that offer up to 5 years. Customize your ability to repay each month with the credit period, not to effect a forced loan, the monthly family financial flows to be faltering.

5. Choosing the interest rate
There are some things that should be learned about the existing loan interest rates in credit markets, both in banking and financing institutions. Technically there are 2 types of mortgage interest rates (1). Fixed interest rate (flat rate) and (2). Floating interest rate (floating rate).

Buy a new car by credit is also good choice for handle money. It would be more completed if you read about Buy Car Tips. Before take a car by credit you must sure about your own finance, so you can pay the down payment ASAP.

How to Choose Secured Credit Cards..? Read this tips that could be work for you:

- Get the right credit card and from a trusted publisher

- Alert with the card issuer that provides “the lure of” too sweet (too good to be true), for example, there are bank interest offering installment that really cheap but applies only for a moment only then you should ready to get some bans.

- Find a publisher who does not charge an annual. Who knew there were publishers who graciously did not charge annual fees to their consumers.

- Read back option benefits from your credit card, can be in the form of reward points, good health or car insurance, frequent flyer or any facilities.

Many credit card issuers that offer products but is not going to benefit you earn even more problems that may arise after you become customers.

If we read in national newspapers had a lot of our society who are victims or mismanage their credit card so that later chased by debt collectors, when it’s so who’s going to help? So, keep it in your mind if you want to handle money wisely.

Now it has a “Credit Card” is indeed a necessity, almost all the shopping you can pay by credit card. Unlike the earlier era of rampant credit card used to have is a symbol of prestige for the owner with a variety of credit cards in the wallet will progressively add “prestige” the owner, although it functions more as an ornamental wallet alone. With more and more merchants that accept credit card payments will be increasingly tempted to swipe the card holder for to satisfy their needs. No wonder people are less mature in use will be trapped into credit card debt in which he himself did not know what life would be paid. For those cardholders who have “broken” the liquidity of their debt repayments and then confusion and desperate need of advice from financial consultants, do not be surprised if you read at newspaper then many of the birth of the financial consulting service provider for credit card customers with problems.

Before you get stuck the credit card management issues that you consider bad it’s good tips on how to manage credit card, learn how to using credit cards wisely

- Pay bills to pay off debt, because credit card interest rates are generally relatively expensive when compared to credit interest

- Pay your mortgage on time. By delaying your payments then it is likely that the money originally intended to pay the debt repayments can be used for other needs, too late if you repay the punishment is the application of interest.

- If you have not been able to pay the current installment, reduce the use of expenditures for the next period.

- Find other banks which provide transfers balance with a cheaper interest rate.

If you can manage the usage of your credit card unless spend it till limit, so you are succeed to handle money for your own good. Sometimes, we almost forget with the function of the card while we had it in our hands. As long we realize bout the payment we must pay later, then it will be ok just using it wisely.

You know about the old sentences about a man, there are three causes that makes a man fall from his wealth. There are money, power and women. Just thing about them and you will know that the fact is true. We can see all this time now. But For me, I will separate into some categories but still follow the three causes.

Ok, the first one is money. Who says that only women always want about money, actually men more interest about it. Men always look for wealth that is for sure because just like women, we have obsession about something. This obsession drives us into cross road too. I would like to say men like to hobby a thing and when it comes they are easier to spend some money without thinking anything. It makes all the money that come to pocket is easy to come out wastefully.

The second is power. Yeah, everyman in this planet want to have power. So, what did they do to get some power? They are spending money. Men are easier to get money and easier to waste money for power. Some men are looking for power that can control anything. If the will to have power overcome control himself then it will be a blow engine for his brain. He could be some maniac of power.

The third is women. One woman in your life is finally complete your love. Although there are more women that sexiest, beautiful or rich but just choose for your own good too. A playboy, the reason a man could loose everything including money. If you have many girlfriends, just prepare for your wallet keep tight. The more you get, the more you going to lose it.

What women do to get their beauty..? Well, the technology more advance and now there are lot of beauty houses (spa and salon) offers some beauty packages and give some credit with the best result. We can’t avoid from it especially women. I agree if they want to get the best result but the price also isn’t cheap. And what I heard from my friend who like to spend her time in salon before go to work. She has spends out lot of money and this activity like treatment, she must do it every 2-3 days.

It’s really expensive but she thinks it worthy with the result. Well, at this point I just give up with her. I just can suggest, there is another treatment for beauty with small price and more cheap. Beside do some natural treatment or known this day as herbal treatment, they can do it in home too. There’s no need to go salon or spa, you can do it in your house. Search on the magazine, especially for women. Get more beauty tips on the internet, there are lot of sites about it. Don’t worry about the result because what will you get there is no far difference from salon or spa. More important, you will get healthier because some beauty tips used herbal and natural items.

Housewives, they are spending the money for the family and for their self too. Buy clothes, make up, shoes, bags and go to beauty parlor/barber shop are the things they want to do. And this is not only for the housewives, the singles women and the girls loves to do this. For men, we see this for nothing just spending all the money, well we can’t deny about it. All women want to be so fashionable and forever look beauty all the time and the reason they do that just to make us happy and hear some appreciate from everyone they know.

But sometime they can’t drive the needs. That’s why handle money is needed to saving money. Women are loves to categories everything into a special thing. Shoes for example, they love to categories different kind of shoes. And they love to compare everything they have with the fashion on their wardrobe. Well, just talk about it really can’t help you to stop this activity, I’m agreed with them but remember about money on your pocket.

Look for latest fashion collection maybe can make you drooling, but just hold for yourself. Fashion always change every periods but don’t drown on it. Just do some combination with all of your clothes in the wardrobe. And for your beauty, go to barber shop maybe it’s your choice but it’s expensive too. Do some natural or herbal treatment by beauty tips from magazine or internet could be a solution for more economic.