If you want to save money in your office the first task you need to accomplish is to understand what is being spent and by whom. Only by monitoring what your office costs are can you have a fighting chance of reducing those costs.

A good way to achieve this is to introduce a purchase order system, if one is not in place already, and have purchase and expenditure controlled centrally. This does not necessarily mean that one person has to be responsible for authorising expenditure, as each purchase order request can be approved within the originating department, however the process of completing a purchase order request, which can include the requirement to justify the spend and obtain competitive quotes if appropriate should help keep unnecessary spending down.

Another way of saving money is to centralise certain heads of expenditure. This works particularly well in a large office where for example, each department may be ordering items of stationery. These orders may be going to different companies, without getting any benefit of bulk ordering. In addition, by having a centralised store of consumables you should find you need to stock far fewer of each. As an example a department may decide they need to always hold ten boxes of printer paper to make sure they never run out. If there are ten departments in your office, each with the same philosophy, that is a hundred boxes of paper sitting idly in your office. By combining all orders you should be able to negotiate a better price with fewer deliveries and reduce the stock you hold.

Even if you only have a small office you should be regularly monitoring the contracts you have in place and the expenditure you are making to see if swapping suppliers or combining orders can make a difference. If you work in a multi-occupied building, you could consider pooling your purchasing power with the other occupiers or sharing services; cleaning, maintenance and security are three such services that you could consider, and by talking to your neighbours you may find they are getting a better service or for a reduced cost, that you can share in.

You may even find that there are other synergies between you and your neighbours and that you can sell them some of your services, or use them instead of other suppliers for a ‘local’ rate.

Here are tips on saving money with ease, which can help you to save money better.

1. Pay your self first
Often, saving trouble not because lack of money, but more precisely because there is no remaining income can be saved. So why have to wait there the rest of the money in advance, yet so far from your income is too rare rest. Therefore Change your habits and start with your savings to pay first before you pay for other necessities of life. Thus you do not have to worry anymore whether the end of this month you still have money or not to save

2. Make saving as expenditure
In each month before you make payment for any expenditure is to pay a certain amount of expenditure savings. So enter the postal savings into routine expenditure every month. Think of saving as your regular expenses with debt repayments, or other household expenses such as electricity bills, water, food, transportation and others.

3. Do not dismiss any change
Never pay with coins. Shop only with paper money alone. If you can change the coin, insert a coin into a piggy bank (piggy bank or canned chicken). Do not open until filled, if it is fully insert into your account at the Bank. The amount of coins that must be signed in your piggy bank can set yourself such as a coin worth Rp 100 and Rp 500, – or only Rp 1000, – only, or all.

4. Increase your savings deposit every time your income rises
Every time you earn more money as annual bonuses, the first Set aside to add to your savings. Likewise, if your salary rises will also increase the amount of the deposit your savings routine.

5. Have a special savings account
People in general difficulties in managing the daily finances due to the lack of clarity between the expenditure for the family, where the expenditure for which the personal and investment expenses. Therefore, a family should have a special account used to finance the post-separated family expenditure from personal accounts. While special savings accounts should also be made separately to the accumulation of funds collected for the financial goals to be achieved is not used for other expenses. Use the auto debit facility (facility transfer or automatic transfer from bank accounting) from your salary account every month to pay on a direct transfer of funds into a special savings account. Thus you do not need to come to the bank or ATM to make the transfer or switching accounting.

Because it can be said that the concept of profit in the conventional banks is more likely, focus on the point of the material benefits, whereas the concept of profit in Syariah banks should consider the benefits in terms of temporal and ukhrawi (Hereafter).

If the customer is the purpose in accordance with the purpose of sharia banking, then in principle there is no shortage of savings in Syariah banks because of the balance between worldly and ukhrawi. However, if the destination is more customers to the material aspects, the benefits could be obtained would be less in line with expectations.

For more details, we try to compare between conventional savings account with a savings of applying the principles of sharia, or for the results mudharabah, as follows:

Conventional Savings:
- Flower size has been determined in advance by the bank regardless of whether the bank was a profit or not.
- The amount of interest is whether the bank’s fixed loss or profit. Although the economy was booming and banks are getting a lot of profit, but still of interest given to customers has not increased.

Savings  Syariah (the principle of results):
- Not offered flowers but for the result and the first set is the ratio (ratio) between the customer benefits and the profits earned by banks, eg 60:40 means that 60 percent of profits for the customers and 40 percent of profits for banks. Therefore received the benefit of profits depending on the customers acquired by the bank.
- The amount of benefits received by customers will increase as the bank’s profits are booming.

In Syariah  banking system does not apply because the interest rate is usury, in other words, Islamic banks avoid the wronged party or menzalimi.

For example we see customers saving with flowers (conventional banks), at the time of economic crisis, saving the customer a higher interest rate and the bank be the “wronged” because the bank was very lost, but must pay higher interest to customers.

While the economy was booming when the party becomes the customer’s savings are “oppressed” because interest earned remain small even though the bank was a big benefit. Things like the above will not occur in Syariah banks to apply the principle to the results.

Do not forget that there are limits to save money. Pay your tax liability and your alms before saving some money as well as our practice to worship so much happier in the next life one day.

Adapt the small saving will be able to form thrift, thinking far ahead, not selfish, impatient, and so forth. Therefore if we have children then Educate our children to become a great saver. But avoid excessive saving in the perception or fear the future needs of the negative that we should not be the one to have a stingy or miserly nature.

Here are some tips to save money that might be useful for you:

1. Savings in a Bank with Trusted

Saving money in the bank with the intention that the money we save is always safe from the criminals. Saving money in the bank will probably give us the benefit of bank interest or for the results of operations because we setorkan money used for investment banks.

You should save at several different banks if you enough money in the bank that many bona fide so you do not lose money if the bank suddenly it was liquidated or committing fraud. With the savings in different banks so you can keep the transaction when a bank is having problems.

2. Save Your Money Receh unused

When a lot of pocket change you should most keep in a safe place from the hands of ignorant including your own ignorant hands. When the number is much you can put it into a bank account or keep you save. Forget the coins as if they do not exist or they are just useless things that you do not tertaris to spend it.

You can start a new hobby to collect coins like Uncle Scrooge McDuck where you can get inner satisfaction when he saw the money and felt how rich you are. But the numbers do not a lot. When necessary sudden and precarious, the money you can use without having to borrow someone else, go to the atm machine, queuing at the bank, waiting for payday, and so on.

3. Do not Save Too Much Money —> Investment

Limit of saving money in the form of cash in savings or time deposits to money you have continued to diminish in value idak consumed time and inflation, although the value of your money grow over time.

The number is in your passbook limit because too much money you Hide the more you lose interest in the bank for less than the inflation rate so that in the long run your money will be smaller in value.

A good solution is to invest in something that can benefit many other people like to open a business which provides many employment opportunities for others. Instead we make an investment in property, to play forex / currency, bank deposits, stocks, etc. is better to open a business that you control and sure will give great advantage.

Glad to see other people happy is the core of it all. There is a separate inner satisfaction when we employ people who live happily. Share with fellow human beings with our own money instead.

4. Eliminate Emotion moment, Boros And Lifestyle Your Prestige

Credit cards are one potential source of very large disasters. With credit cards you go around doing unnecessary expenses and your debt realized with a choking coil neck veins where everything is over and regret come always at the end. The debt collector / debt collectors will be happy to terrorize your life and family and even friends, neighbors, work friends, bosses, etc.. We recommend using a debit card / atm card yet wisely.

Simple life is the key to happiness. Life is too gelamor, full of pride, ostentatious wealth, praised like other people, and so will only plunge you in ignorance and poverty in the future. Be oang the low profile / low self-esteem, but if people know the fact to yourself to eat that person will be amazed.

When you’re having a lot of luck, so you will not dissipate as improve the living standards dramatically, like the treat, like help / help others to be commended, etc.. When someone is successful a large general revenue he will raise the consumption patterns so that any expenditure will participate swell.

Before you buy something should have thought a million times so you will not regret it later. For example there is a special offer expensive items that look so cheap then you have to ask whether it would be your constant use in the long run? and whether the product value far greater than the price?. Sometimes we just realized after buying it we do not use it continuously darena was quickly bored or not important.

5. Life Planning What do Matang

Make the stages in your life in detail and the value of the money required to reach such as for school, college, get a job, get married, buy a vehicle, medical, school fees, meals, recreation, open businesses and others. That way you will be more wise in spending after knowing how much money will you need later.

If you can skip it all in the future then you will be happy where you have been through the stages of your life well, and at retirement have a reliable business even if you do not interfere in it.