how do i manage my money to avoid unnecessary expenses.?
81660
well first off u need to figure out what are ur priority expenses. when u get paid u need to set aside the money u need to pay whatever bills need to be paid.. then whatever is left is your money.. take 60% of what u have left and that is for u and the other 40% u need to bank it and never touch it... and u do that every pay week.. if u stay steady to it u will have no problem in saving money. secondly, u need to knwo when to say no. if your a type of person who loves to spend money then u ned to tell yourslef No . spend only what u need and buy only what is needed.... if u need anything else i am here for you
128855
A written budget.  Do a written budget each month, for that month, showing every penny coming in for the month and assign each and every dollar to something.  Then stick to the budget.\n\nFor more on getting out of debt and growing wealth, check out http://www.daveramsey.com - not affiliated, just use the system.\n\nGood luck.
839951
Budget, Budget, Budget.  You need to sit down and write up a budget.  If it ain't on the list and isn't absolutely required then it ain't gettin' done.  As you get used to this each pay period you'll get better at listing everything and estimating bills.  As you go through the month you'll be surprised at how much you'll be tempted to spend on non-requirements.  Make sure you factor in entertainment and food into your budget.  Budget is not a dirty word.  After you do it a few times you'll see it's not a burden.  BTW, get rid of that car or pay if off ASAP.  Alot of people retire poor because they always have a car payment.
468366
I've heard several tips for this from Clark Howard, I'll share some with you:\n\n1. No matter what, you pay yourself first.  Put SOMETHING away before you pay your bills, EVERYTIME you get paid.\n2. Never use change when you spend.  If something costs 11.49, pay the 12.00 and throw the change into some type of "bank" at home.  If something is 1.19, don't look in your purse for the change, spend the $2.00 and throw the .81 in the "bank."  People who did this were on his show telling how, at the end of the year they managed to save $2500, and went on vacation with the money!\n\n3. Something I used to do when I needed a little cash quickly, was pay two bills with the same money.  How?  you might ask.  Well easy, if you have a credit card.  What I used to do is, add up all my utilities, my cable bill, phone bill, electricity bill, and even my car insurance and sometimes car note... and pay my credit card with that amount.  It's great if you can pay your credit card OFF like this each month - then I would take the credit card and actually PAY the bills with it.  This way, your credit card is getting paid (maybe in full - resulting in even greater savings since you won't have to pay finance charges) AND all your utilities and bills are getting paid... with the same money. =)\n\n4. Find out your "latte factor" basically Clark says that we all have a "latte factor," something frivolous that we spend our money on everyday - like starbucks coffee, or whatever... he says when you find it, eliminate that expense and take the money you spend on it everyday and save it.  He computed that $5 a day every day for 5 years, could yield a savings of $12,000!\n\nHope that helps!!!
442463
Dont spend money before you make it?
216639
Write down how much you spend and subtract it from how much you make, that'll tell you how much you have left over for savings and such. Apply more of that left over money towards whatever payments you have untill they are paid off. You'll save more in not paying interest than you would earn if you just had a savings account. Don't spend above your means, either.
429289
Set up an automatic deposit for part of your paycheck to another account, other than the account you pay your bills from. For example, set up $100 of every paycheck to go to a savings account (one that you don't check on at all) automatically. If you don't see this $100, then you don't spend it. It's a nice and easy way to save money.
631571
I have had the same situation. BUDGET BUDGET BUDGET.. You will need to bring in more money from somewhere, part time job. cutting back..something.The best way to watch your money is to write down every penney you spend in a two week period, then go back and eliminate all unnessary expenditures. This method really shows how your money was spent Concentrate on paying off one debt at a time.. put as much money on one bill as you can and make minumum payments to the others until its there turn to be paid off. But remember to try and save a little all along..Even $5.00 bucks a week can start you off.
511870
Pay your bills on time, don't use more than 25% of limits on cards/charge accounts, don't apply for a lot of credit (inquiries). Be consistent, and it will move up.
655841
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
262208
Prioritize your needs and carry that much amount of cash.Restrain yourself from using plastic money.
972505
READ read read!  Every financial book you can.  Then take away from them what will work for you best.\n\nTake to heart the fact that it is not how much money you make but how much you keep and have that money make you more money.\n\nLive well below your means, save save save and invest it all, only after doing you homework.\n\nBuy, DO NOT RENT.  Have roommates or tenants pay your mortgage so you can be saving and investing.\n\nQuit smoking, gambling, & drinking, add that to your savings.  Find othere areas where you can cut back.\n\nFind someone who is where YOU want to be (MENTOR) and pay attention to what they are doing.  With this being said, be careful for many whom you may think are well off are simply in a giant hole of debt.  Your average rich person is NOT someone you can pick out on the street!\n\nLimit time spent with those who do not have the same goals as you.  Limit time spent with friends that spend foolishly or party well beyond anyones means.\n\nBefriend people who are smarter than you for you have nothing to gain from idiots.\n\nPay cash for vehicles and other things.  If you don't have the cash then YOU DON"T BUY.  A lesson that will only make your life better.\n\nThink of assets as "something that puts money IN your pocket"  and think of liabilities as "something that takes from you pocket".     Aquire assets NOT liabilities !! !!  If you MUST buy things, why not buy things that make you money? !!\n\nStart believing that YOU deserve to be financially independent rather than you deserve that new car.  The car will only cost more and more money.  Get over the urges to inpress people with "stuff" you have.  Let them see you how ever they want and do not concern yourself with their thoughts.  Live by :  What people think of me is none of my business!!\n\nI could go on but then I just as well write a book....  ha ha ha\n\nBest Wishes on a bright financial future!!
625106
Look for a cerified financial planner.  Although you have to pay up-front a fee-only planner will give you the most unbiased advice.
1701
Since housing is usually the biggest expense, I would say cut that first--downsize, or rent instead of pay mortgage. The next easiest thing to cut is food expense--eat at home instead of at restaurants. Also, cable/internet/phone can cost hundreds a month so you might consider consolidating those or looking into VOIP.\n\nAlso, you don't have to stop working completely--you can try consulting or doing a home-based business to keep cash flowing in.
509384
One question per customer....lol\n\nForce yourself to save by taking money out of your account or check automatically.  Your 401k (if you have one) can accomplish that. So can automatic deductions for mutual funds (say $50 a month).\nTake the money out first and you'll not be able to spend it!!!
215201
Pay yourself first!  Start by sitting down and budgeting out your essentials, with costs as accurate as possible.  Then take a look at the money you have left over, and designate how much you can afford to save.  Tell your bank to set up an automatic debit to your savings account for each time you get paid.  When you do this, you pay yourself first, and you know that your bills are paid, you have savings, and the rest is yours to spend as you wish!  When you can't have access to the money, you can't spend it, and it works great for me.  Good luck!
1102319
You may want to just do a basic search for money management also, like on Yahoo or google, rather than paying money for info you could probably learn for free :o)