Ordinary families on the city, as long as plan well, can save a thousand dollars a month.

Tip one: cook by yourself. While the price in vegetable markets is soaring, but comparing with the price of the restaurant, cooking by yourself can save much money.

Tip two: take part in group-purchasing. In the group-purchasing on line, it is not only can buy daily necessities, but also can purchase a large number of service products, such as hairdressing, foot bath, do SPA, travel, movie tickets, etc., group-purchasing price is often less than half of normal consumption. When doing group-purchasing, consumers join forces to buy products or services. They can bargain with the upstream vendors together to get very high discounts. The vendor is willing to provide consumers with cheap products or services, because they can gather a considerable popularity, and attract more potential customers through low-cost.

Tip three: buy discount products on line. In the discounted web store, it provides brand-name products; product quality assurance…The discounted clothing often gives more than 50% discount. Online shopping is a good way to fight inflation.

Tip four: reduce unnecessary entertainment. Go to the bar, or party is often expensive. In fact many of entertainment are optional. Except the necessary social activities, other entertainment can be reduced sometimes.

Tip five, Keep accounts: With the prices rising, many young people begin to fist examine their balance of payments, “In the past month, I do not know how the money was gone.” One boy says. So if keep list out the expenditure every day, it will help you to save the money.

Now, there are many online sites can help you account easily. It can help you to preset your daily fixed expenses, such as transport charges, etc., and you don’t have to repeat the entry, instead, a key input to be very conveniently. The pie chart can analyze the proportion of expenditures and you will find where spend too much.

Get into the habit of paying with cash. It seems over the past twenty years or so, since credit card companies loosened their credit rules, that people are using their cards more than ever. And while this is good for the credit card companies and merchants, it is not necessarily good for you. When you pay something with a credit card, you are actually spending borrowed money.

If you happen to have a zero percent interest credit card, then you are in a slightly different situation. You can carry your balance forward for a certain number of months without paying an interest penalty. But, most people are not like that. And, as a result, they end up carrying balances on their credit card for years. And, over the years, all of the interest that they are paying on their balances can really eat away at their savings. If you pay in cash, however, you are never under any delusions as to whether you actually can afford something or not.

Create a budget for your family. The advantages of having a budget are many. But it main benefit is that it allows you to know, at all times, exactly where you are financially. Many people get in trouble with their credit cards and finances simply because they think they have more than they actually do. For example, someone getting paid $10 an hour may actually feel that he has $400 in his pocket after a week of working. But after taxes, FICA, and various other deductions, he may actually only have a little over $300.

The reason for that is simple. At the subconsciously level, the four hundred dollars is still foremost in his mind. As a result, overspending is easy. And it’s not until the end of the month where he is wondering where all of his cash went.

Creating a budget for your family is not foolproof. But it does help to prevent scenarios like this. Furthermore, a ton of studies have conclusively shown that those households who make a budget and stick to it, are just about always better off financially than those who do not have a budget, but earn the same amount of income.

If the average family were to simply do these two things, and nothing more, they would be a lot better off financially than most families in the U.S. In the age of quick gratification and lack of personal responsibility, however, the odds of most families doing this is very small indeed.

The following strategies to save money make a great place to start rethinking the way you spend money, and they could mean that you can afford more of the things you enjoy than you had originally budgeted for!

1. If you spend it, list it

For at least one month, preferably two so you can see the spending patterns, make a list of every penny you spend. Make sure you put not just what you spend, but also the dates. Look for patterns such as going to the same supermarket 3 times in one week, and how many times you ate fast food, etc. When you analyse the lists, you may be surprised at what they tell you.

2. If it’s not on the list, it’s not in the basket

Before you leave for the supermarket, make time to create a comprehensive list of everything you need. Go through your cupboards, fridge and freezer and write down all items you need to buy. Meal planning for the week ahead is time well spent as you can list all the items you’ll need and buy them in one visit. Be strict with yourself, if you’ve missed it off the list, live without it. The savings on this strategy is that you don’t just buy items on impulse, but you are also planning ahead so that you will make one trip to the supermarket, which will also save money on petrol (as well as your time).

3. Homemade food is healthier and cheaper than convenience food

While it might save money to buy readymade pizza, or microwaveable meals, these food items aren’t just expensive, they are also full of additives and artificial this and that which makes most of them unhealthy food choices. Instead find some quick and easy recipes that you can put together in less than 10-15 minutes and leave to cook while you do the laundry, vacuum and do other household tasks that need done.

4. Batch cooking saves time and money

If you don’t have the energy to cook homemade meals every night, why not try batch cooking. Dedicate one day a week when you prepare meals for the week ahead. Cook the meals completely and freeze them so that you only need to add sauces or gravy after you thaw them. Alternatively always double your recipes and place half of each complete meal in the freezer clearly marked with what it is and the date. If you don’t use the frozen meals too quickly, you could create a routine which means that you cook fresh every second or third night and use the homemade frozen meals on other nights. Another benefit of this plan is that you can bulk buy meats on special price and make even more savings.

5. Small savings reap long term rewards

Each month commit to saving a certain amount of money. Even if it’s only a few pounds, it will add up and give you some extra spending power at the end of the year, or a small financial cushion for an unexpected bill. More importantly it will get you into the habit of putting money away. If you can save money when your budget is tight, you can do it when you’re financially healthy.

These are just a few easy to follow strategies to save money that you can try to stretch your budget further. Give them a try for a few months and see how they impact your finances. You might save more than you think!

1. No Money
“How to save money if the money that would save nothing?” So says a friend. Then, I asked him what he was doing the first time while receiving a salary. “Pay the debt of three credit cards (the size of half of salary) and the rest for living expenses a month.”
Apparently, he can not resist swiping a credit card if you’re a walk and see the good stuff. If that is the case, many expenses are unexpected and not recorded, how to save money?

2. Only later
Reason “Later when there  money” would often you say. Well, according to Rob Bennett, author of Financial Freedom Blog at PassionSaving.com, the more we grow and age more and more of our bad habits, it becomes increasingly difficult to eliminate. Includes, lazy habit of saving it.

3. Revenue for Enjoyed
The third reason people often sounded as mentioned about saving the “I want to enjoy my money once, can not you?” Of course, not. But goals are also saving to buy something you can enjoy. Only difference, have fun from the new savings can be enjoyed after a certain period. While people now prefer instant way. Owed for fun, pay later.

4. There was a Savings
Ie husband. This is the reason that many used the housewives. So, they feel no need to bother to save because there are doing for them. In fact, it would be safer if no savings alone do you? Yes, for just in case a sudden “single” again. Who knows?

5. Have assets for sale
Why do you feel no need to try hard to save money? The reason is because you believe the goods you have and buy can be a valuable asset to be sold again as needed money. Yeah, what?

6. Can heritage
This is why those who felt his family “rich”. They will think why bother to save money, yet can be inherited from the parents later. Well if his legacy in the form of money. If the debt?

Actually there is an easy way to disciplined saving. I’m sure you’ve heard, the savings futures. Ever see an ad that offers a direct gift of a brand new phone if you save a month Rp 225.000? That is one example of the present term savings are always offered a gift.

With these savings, but can make you spend money, you are also free to decide themselves how much money you want to save per month and duration of saving. No hard too! You just start with 5 percent of total income (it would be nice if it could be 10 percent, as suggested financial expert). If successful, you just increase the deposit as your salary increase. Well, good save!

1. Introduce children to money early on, for example, from the age of 3 or 4 years. Describe the information that is acceptable and appropriate logic of children, most do not teach children to know the value of money at this age.

2. Observation and repetition is a good thing for children to learn. Communicate to children, according to the age of growth of the value of money, how to store it, how to spend and how money can grow.

3. Help children learn the difference between needs and wants. This lesson will educate children to be a clever set of expenditure in the future. This can be taught to children who have the financial understanding. For example from the age of 4 or 5 grade elementary school.

4. Defining the purpose is to learn the fundamentals of finance.
Rarely a person who determines to set and write goals. No need to far away, when buying toys for children, parents would rarely make the toy purchase purposes. Determination of this goal will actually be responsible to educate children.

5. Recommend kids value of money spending and saving. Explain to children how the concept of savings and benefits. For example saving a child’s desire to meet with their own money without having to ask the parents. This introduction must use language that children easily understood according to their age.

6. When giving a child money, teach them to save some. For example when we teach children to give 10,000 first save as much as 2000 before the child spends the money. This activity will become a positive habit that can be done until the adult child’s future.

7. Introduce children and encourage Islamic banks to open accounts. Give your child the notion that saving regularly will become a good habit, which leads to success in the future

8. Teach children to make financial records, how much is spent, in the tube and invested even if the children are familiar with the investment. High school age children can begin to teach about investing in order to be land for early learning.

9. Use a shopping trip with children as a forum for children to learn to understand and comprehend the value of money. Do not hesitate to educate your children the way you take the time to go shopping at the grocery store or shopping center. By comparing some prices in a grocery store and place your regular shopping can teach kids that shopping in a grocery store can be a bit more thrifty than usual shops.

10. Encourage children to care in spending money. Rich or poor they would spend money in daily life. Teach your child know what is supposed to be chosen to buy and what not. Set on a scale of priorities. Maybe the kids do not understand the scale of priorities, but you have to teach age-appropriate. For example buying reading materials with better savings than buying a toy he already had.

11. Show the children how to evaluate existing product advertisements on radio, television or other media. Teach that guns of all products in ads are all good, so that children learn to choose, not just spend the money following the TV or radio ads

12. Remind us the sons and daughters when they begin to have a bad habit, such as borrowing money to friends.
School children and high school might have a bad habit .. a friend is borrowing money to buy something that is less important because children less private money enough. If this occurs, parents need extra monitor and warn, because if it continues to be a bad habit for children to adults.

13. Give an explanation as taking children to shop with an ATM or credit card or debit card. ATMs can be a money machine for the imagination of children young age, such as kindergarten or elementary school. They could just assume that if the money could run out ngambil wrote directly on the money machine. The kids will never know if you have to save first or the account must have money if we want to take from an ATM or Direct Debit. Therefore, parents should explain to children how the cash machine to work.

14. Be careful to give credit cards to children. The trend these days is that many parents give additional credit card accounts for children. In order for the child more easily when buying something. Well … this should be seen as well … perhaps well intentioned, but without the provision of better financial education could be this credit card will be a problem. For example the child will use it to shop at will is not to important, the result could be the beginning of the month bill swelled and became a problem for parents.
Take time to discuss with the child. As a parent Mother must have time for any child busy Mother of activities, because children need the closeness with the mother, encourage children to discuss various issues including on financial issues so that there is closeness between child and mother. All information about children is very important for the mother to be able to build unity across the days. And the importance of financial problem, the child will grow a sense of responsibility and confidence for the support and motivation from the Mother.

1. Wasteful. This type likes to spend money without regard to their own financial condition. For him, shopping, though until the debt, not a problem.
Suggestion: This type must be aware of and used to make a budget. As far as possible, he also had to follow, and disciplined to follow a budget that made it. If not – let alone still owe – the kids in the future will bear the bad habit of money management parents.

2. Stingy. He is most afraid of spending money. The biggest fear is no money and debt. He is too calculating in holding money, so could not enjoy his own money.
Suggestion: For this problem, the management of money is nothing to worry about. But unfortunately, unlike stingy thrifty. Stingy will make your children will feel constrained, and likely will shop like crazy when he finally got his own money. Remember, money is not happiness, even as he could be a means to enjoy happy times. Try to be more loose and not too tight, as long as used properly, your money will not feel lost like hell.

3. Worrier. He was always worried about money, even in conditions have a lot of money.
Suggestion: This may be related to the condition of your personality or character that is too worried about the future. In fact, as long as you plan things well, excessive anxiety is not required. Indeed, we have a plan, God is also a decisive. Therefore, get rid of this anxiety affairs, more careful in managing money, and note to myself that God will always put out his hand when his people into trouble.

4. Free-spirited. This type of worrier opposite. He was never worried, despite the debt or paying bills late.
Tip: Be relaxed in the face of all problems of life is not something bad. However, too casual is not recommended. Because of that, try to be a little more discipline, especially in matters of money. Late paying bills, for example, leads to waste because you have to pay fines when collected, the numbers pretty. Especially when the fines that come from credit cards or types of other loans. So, a little discipline in managing money for more help, especially if you already have the desire to save for future education expenses.

5. Dreamer. There is no lottery that he had missed. He is very confident, he will succeed eventually won the lottery which one he followed.
Suggestion: Many successful leaders because they have dreams big. However, the dream and the dreamer is not the same thing. Therefore, try to distinguish where your dreams can be realized, and which a mere fantasy. Did not pay to get the lottery dreams, because only a few of the billions of people who can win it. Better, try to realize your dreams had smaller, until finally reach the big dream.

6. Planners. This type of very careful in spending money. For him, everything must be done according to plan. Nevertheless, he can still enjoy life.
Suggestions: No suggestions for the planners, in addition to the awareness that the God who arranged everything. However, humans are required to attempt. This type is the most ideal in managing money.

Savings made to collect money to be used for use at a later time. whether to get something service, buying an item, reserve deposits for the future, or other purposes. With the savings, money that has not spent this time, but stored for later use. Challenges in saving the time usually is in the money collected was enough, comes the desire to be used and spent, sometimes forgetting the original purpose of saving money was in the early to start saving.

If the amount of savings we are not too large, the storage at home is quite appropriate pilian. However, if the amount stored has reached a certain value we think is prone to loss, it’s worth the savings transferred to the storage services of money. Service had been able to form cooperatives or banks. Cooperation with the bank the difference is if we save money on co-operatives, can get a commission of the remaining results of operations (SHU) cooperatives in the early years, for savings in banks, we receive a commission in the form of bank interest earned monthly.

Now how saving tips on optimal bank, so we do not lose money?

1. Check monthly fee or annual fee

For-profit institutions, the bank will attract administrative costs (usually monthly, but there is also a three-monthly). Expenses were used for the operation of the bank itself and storage services at the bank. Each bank provides monthly price varies depending on the facilities that we want / enjoy. Generally, biay aini ranging from 2500 to 15,000 per month.

2. Initial deposit check

To open a new savings account, the bank will set a minimum deposit rate. This deposit is a commitment from the client to keep the accounts at the bank. Initial deposit can not normally be taken in the first 1-2-3 months (each different bank)

3. Check the minimum balance

Most of the bank will ask its customers to have a minimum balance, if our balance is below the minimum balance, the bank will give the penalty by cutting our balance with a certain amount, usually amounting to Rp. 5000 to 10,000 per month. In some banks, if the minimum balance in a few months old (3-6 months, varies between banks), banks have the right to close customer accounts due to the unavailability of sufficient funds to be saved.

4. Check the minimum deposit

The bank will impose rules that allowed a minimum deposit. This possibility of effects on the efficiency of banking resources in serving its customers. Because for the amount of money large or small will take resources that are relatively similar.

5. Check the savings interest rate (or for the results) from the bank

What is the interest rate or for the results? Bank will provide such additional funds in our savings as an incentive from the storage of our money in the bank. Regular bank interest rates will apply the fix for approximately 1-4% per year from the balance we have. Whereas for Islamic banks, the incentives provided a percentage of the profits earned by the Islamic banks. These incentive varies depending on the amount of money we save. Typically, the more the amount of our savings, the greater the% incentives provided. This incentive will be automatically added to the balance of our savings, but also will direct the income tax cut for 15% of this incentive.

6. Print books most late savings every 2 (two) months

Print passbook is very useful to know all transactions are conducted outside the bank counters. Why is there a transaction that occurred outside a bank counter? because banks now offer ATM cards that serves one of them is taking money from an ATM machine. Apart from taking money from an ATM can be transferred to other accounts, payment services from the operator, the contents pulse HP, lohat balance, etc.. ATM cards can also be used as a debit to kareti shop at certain stores. Print passbook is required for verification of data, whether in print with what we do at the ATM recorded correctly. If there is a strange transaction, can be reported immediately. If we print the book> 3 (three) months, some banks will collect debit and credit transactions we become one, so that we can not know the details of bank transactions. If tetep want to know the details of the transaction, may request a checking account to the bank’s Customer Service. Some banks charge a fee to print the Current Account.

7. Be careful with the ATM card we have

ATM card is the key to the door to go into our account. ATM card needed Personal Identity Number (PIN) which should not be shared with others. Since the ATM card is our money too, so be careful in transaction using an ATM card to debit the account when shopping. Ensure that our groceries and the number printed on the printout is the same machine large friction. Do not forget also to ask for our ATM card again after the transaction. If our ATM card at ATM machine swallowed, can read the following tips.

8. Keep a minimum balance you always

As already reviewed above, the bank will offer incentives to customers, but banks will also withdraw money from the monthly contributions of our savings. So we as bank customers have to jelly, not to happen incentives received are lower than administrative costs that must be paid. If this happens, then our money in the bank instead of getting even less.

1. Not Spending Pocket Money
Every time give pocket money, tell him that this money is not spent. Ask for a successful return the money he set aside. Then, give praise, hugs and kisses when the kids or you managed to bring home the remaining allowance. Thus, your child will feel rewarded for what he had done.

Show your pride by telling him what he had done on her husband, in front of your child. Children will tend to repeat the process of learning that skimp on the next day.

2. Gift Giving
After one week the child had set aside allowance every day, give him a gift. Explain to her that this gift can be bought from the result set aside allowance.

Before buying a gift, find out what the first thing he wants most. Of course you could buy a more expensive gift from the spouse of the money. However, do not buy goods that much more expensive, because it just was not educated to know the value of money.

3. Provide a piggy bank
Bring your child’s piggy bank with an interesting shape. Take him to choose his own piggy bank. Tell him that the kitty is going to be his treasure. Choose phrases from favorite stories. For example, “Let’s get the treasure box of Captain Hook!”

Take heart when invited. This will make the child feel are buying something important. After that, start the child is taught to include not spending money that was spent into the piggy bank. Every week, you can also give him extra money to be saved in the “treasure box” that. Show enthusiasm, praise, and pleasure to see him put the money into it.

4. Expenditure planning
Every time give pocket money, ask him what he would buy to eat at school. Ask in detail, including how the price of food. Ask also, why he wanted to buy the food. This is to teach children that every expense should be no argument.

Introduce also the child how to optimizing expenses. Invite her to choose the best food, in accordance with the money he had.

5. Bringing Gifts of Interest
Every night before the children go to bed, take the discussion about the stock he wanted to take the next day. His ideas were of course many and could be unreasonable. Do not argue with first. Encourage your child to the refrigerator to see that food supplies there. From there then discuss again what he might bring a lunch, with food available. This will teach children that the desire and ability are two different things.

Then, stimulate children to be creative. For example, he wants what bekalnya decorated. Of course, armed with knowledge of the availability of food items available.

6. Open Savings on name
Encourage the child to the bank. Open a savings in his name. This effective way for children who can read, because he will see the savings book with his name listed there.

Teach children to save in the bank. Ask him who kept their savings books. Every time out to save, show him the results print on passbook showing the amount of money has increased. Introduce him the value of money by converting the value of money on a book with the price of goods he had.
For example by saying, “Well, with this money you can buy a Barbie doll”.

7. Introducing Consequences
Children need to be introduced in the early consequences. That on each purchase or expenditure of money, there must be consequences. At the very least, with out some money to buy something, then he may not be able to buy other items with the rest of the money.

It actually starts when you introduce the prices of goods in the amount of money he has. Tell him, “If you want to buy this Barbie doll, then you can not buy it Ken. Because you is not enough money. Let me see ya the price.”

Encourage children to bersimulasi price and value for money. This will be a fun game for children. He will continue to ask about the prices and the money he had.

8. Always Giving Reasons
Do not restrict or deny the request without a reason children. This will make children never understand what you mean. If your child whining for something to buy when the demand is not in your budget, then explain. By the time he demanded to buy, smile, and show that the price on it. “See ya, cost a fortune. My mother now has no money to buy you this toy. What if we had saved together? It’ll be fun, really.”

Not necessarily a child can understand what you say. But if it is repeated, and you are diligent to give a plausible excuse for him, then the whining in the mall scene will happen less and less.

9. Invited Thinking Forward
Do not think a child can not be invited to think ahead. If the child is beginning to be educated in a comprehensive look at the problem, then he will be an easy child to understand. Including see the future.

You can start with him to see your plan against him. For example about school. That the school now needs to be cost. And to get these costs, both parents need to work to earn money, and could save. The school did not stop next week, but until he’s big. For that, “We all need to set up money so you can continue school. Mom and dad save money, you also save money.” Thus, the child understand and feel involved in the process of saving and frugality, for the sake of his future.

If the school about “not immune”, then you can use another style of seeing the future that was close enough. For example, plans to buy a bicycle or other expensive items. The principle is to teach children to understand that in life nothing is instant. And in the process of buying a save and save.

10. Make a List of Requirements
When your child can write, ask him to write his needs. Not only needs to eat at school, as well as other needs. Encourage children to discuss any points that he wrote. Well, ask him to find the price of any item or requirement that he write.

Introducing him, what is called the needs and desires. That not all food, even basic needs, is a necessity. Breakfast, lunch to school, lunch, and dinner is a staple. But having lunch at a fast food restaurant is the desire. Or the more obvious, lunch is a need and a desire toys.

Learn to distinguish these two things will make your child understand and understand fast as he could not get what he wants.