17 TOP Budget Saver TIPS
Do you want to learn
the secret on how to unleashed blessings? How to spend wisely and increase your savings ? How to multiply your
money? Are you sinking with debt? Are
you out of budget? The payday is still days away but you’ve got no more money
in your pocket. Do you want to pay your debt? How to spend money wisely?
I would like to share my personal
beliefs, experiences, techniques, strategies and method why I still have enough
or even more money until the pay day comes, I’m not even waiting for the pay
day. Learn the secrets biblical principles of unleashing financial blessings as
stated on Malachi 3:10
.
1. Multiply your money by serving God and
giving tithes to support the church needs. UNLEASHED THE BLESSINGS by giving tithes and the Lord said He will pour
so much blessings, blessings that is even beyond your needs. I
personally experience that and I would say that the word of the Lord is true,
if you serve Him, give tithes and support the needs of the church you will
really experience the overflowing of blessings, look I’m paying for the car ,
the house, food, bills , education and others but still I have savings left, we
are all healthy physically, and God keep us safe and opportunities and material
blessings still comes along unexpectedly.
Although it doesn’t mean that you will be rich instantly but you will experience
how the Lord provides all your needs and answers your request.
BIBLICAL PRINCIPLES:
Malachi 3: 10 Bring the whole tithe into the
storehouse, that there may be food in my house. Test me in this,” says the LORD
Almighty, “and see if I will not throw open
the floodgates of heaven and pour out so much blessing that there will not be
room enough to store it.
2. Live Simple. Do not buy luxurious
food, clothing or things especially when it is out of the budget. Maybe you can
do that once or twice a year if you have extra budget only, but if not No, you
should control yourself and settle for simple food, clothing or things that
suits your budget.
3. Plan
your budget ahead. Determine how much is your income? How much is your
expenses? How much money would you like to save?
4. Have
a budget book. List down all the basic necessity with the estimated or actual
amount. List down all the bills with the estimated or actual amount. List down
your income, sources of income and the estimated or actual amount. You can
record the actual expenses and earnings for auditing and budget projection.
5. Prioritize
the important things first for the budget , the basic needs, bills, education,
savings ,emergency fund, if there still budget after allotting for the needs,
then you can consider to spend for your wants, but make sure it will suit your
budget. NO Over budget.
6. List
down other unnecessary expenses. If you can find ways to eliminate or minimized
it. For instance every week you ate at fine dining restaurant and spent around
1500 , so in a month that cost 6000. Why not do it just once a month therefore
you saved 4500.
7. Do
not use credit cards especially if it will incur interest. Pay your credit card
bills before it incur penalties and interest.
8. Do
not buy things / appliances etc for installment since it has additional interest
, instead, save the enough money until you can buy things / appliances that you
want in cash so it saves you lots of money. For instance the installment laptop
worth 20,000 , if you will buy in cash it only cost 18,000. Therefore it is a
wise decision to save 18000 and buy it on cash than have it installment with
additional 2000 cost.
9. Buy
grocery items from the super markets or grocery stores which prices are lower
than retail stores or convenience stores.
10. Buy
in bulk or bigger package which lets you save bigger amount or gives bigger
discount than retail and smaller packs.
11. Don’t
spend money bigger than your earnings. Spending too much will mean debt.
12. Always
save a portion of your income for emergency or for investment.
13. Think
of a passive income. Invest your money in cooperative shares where your money
could earn interest or dividend while you sleep and it has no tax.
14. Find
some business opportunities where you can use your savings as investment and
will earn interest. But make sure to avoid scams. You need to evaluate, investigate
and study any business ventures to make sure that you’re on the right track and
to avoid scams and fraud. Don’t be trapped in the promises of big and instant
earnings in shorter period of time that would be possibly a scam.
15. Avoid
incurring debt. As much as possible make sure to pay your bills and
amortization on time to avoid penalties and recurring interest.
16. If
you are going somewhere near you may just walk , instead of driving or riding a
car, you will save transportation cost and you could lost some fats and get
exercised by walking.
17. Choose
low price but quality products. You don’t have to buy the most popular and most
expensive brand if there are other brand which has the same or even better
quality but with lower cost. You can check and compare.
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