Thursday, September 3, 2015

Easy ways to save your phone bill

After the cell invention, People “cannot live” without cell phone. They also hold the cell phone wherever they go. They use it when they wait someone or something. They connect to the friend, family and other people. To buy something, they may use it.
Using cell phone for long time needs much money; whereas, you need money for other spending. That is why you need to save your money by doing this. I get some idea from mint. Com:
1.       Use the other cell phone
A famous cell phone must be expensive. You can find others brand that have similar produce. You can use the Google search or you can find reference from your friend.  Compare the price and the quality by reading some reviews. Be clever to choose the right mobile devices for you.  
In developed country, people use the used cell phone and it is cheaper than the new one. 

2.       Use Budget
We must stick the budget in cell phones spending. You can use some Google apps or you can use the envelope budget. Set the budget that can monitor your spending.

3.       Pay bill automatically
If you pay the bill late, you will get the fine. You should pay the billon time. For the forgetful, you can use the pay bill automatically. In my country, we pay the bill at first so the cell company will not fine us.

4.       Use Public internet
In my country, the government office or public place also provide the internet for public.It is free and it can save your phone bill. You can turn off your phone and use the wifi.

read also 
How to live below your mean

Friday, August 21, 2015

5 Habits that you should hav ebefore 30s

some people said that it is difficult to break habit when we reach 30s. That is why we should use to do some habits that help us to reach wealth.  Here are five habst that you should do:

Create and stick budget
To be honest I am a lazy person that create a budget. Without a budget, you cannot take the control of your finance. You do not know where your money go. Sometimes  we do not realize that we have spent all money one week.

Life below your mean 
like the wise man say that we should live below mean. We can use generic product and drive a cheap car. We do not have to daer to do it.

Manage Credit wisely 
I prefer to avoid any debt including credit card.To me,it will eat our ncome.

Build For emergency fund 
Set a part of your income for emergency fund. SO you do not need to borrow money for repair car,or maintenance your house

Save for retirement 
You should realize that you need the money after retire. That is why you should save for the retirement now

source :heraldonline

Thursday, August 13, 2015

Diversifying Income, Should I?

When we are not satisfied to our salary now, you can consider finding another job. You probably not dare quit job because you have no idea to make money. It is better to keep working at the same place rather than quitting. You can try making other income or you diversify income. You may get little money from your office but you can make money from other source. There are some reasons that you may need to diversify your income. Emergency The company may fire your whenever they want. You should prepare yourself by streaming more income Retire Early If you decide to retire early; you must have some source of income. You do not have to expect the income from office because you have so much money outside the office. You ca decide to retire early when you have so much money. Quit Jobs Fund When you quit from a job, you will not get money. You still need money because you need to eat. The income from other source will help you to eat. Perhaps you can go vacation from other income. Tired To working You do not like your job because the boss is so mad. You can use other income to quit job. soucre :david ning

Friday, August 7, 2015

Millionaire Habits

I believe that everyone want to become a millionaire. They have worked to collect penny by penny but most people cannot get much money. Perhaps there is a mistake. Become a millionaire must be a very difficult task. It is nit easy like back your hand. You need hard work for dozen years. I read some suggestions from budgets are sexy. Perhaps those habits will ha Setting Goal Of course you want to be a millionaire who has million dollars. You have to set the specific goal for that. Tracking net worth It is important to know what your net worth is. To increase the asset we should use the asset and it can be done when we know what assets. Save 60% of income It must be difficult to save 60% of your income. You start to save your income now even for 10%. When you get more money you can save more money too. Avoid Expense Things You do not have to go the club or you buy the brand things. Always paying myself We have to save our money first. Before, we spend the salary, we must save first. Avoid consumer debt Some people use credit card to buy video game whereas it is not important. Later, they must pay the debt and also the interest. Emergency Fund You have to set the emergency fund that the amount is 3-6 times of your monthly expenses. It helps you to avoid from debt. You do not have borrow money from others when you need it. Saving for large expenses When you want to buy the motorcycle, you have to save first. It is better than you lease the motorcycle. Investing when others panic or no matter what happen When the people panic, the stock price decline and you can buys some cheap stock that will give you high return someday. The inflation and deflation may occur but the economic will rise again. I have to criticize the article because he it does not explain to increase the asset. Some people may have few money but they can grow rich because they can “use” the money. Five Advice to yo become a millionaire Rich Man Habit

Friday, July 31, 2015

How to Stay Productive While Working From Home

Eid has passed, but it seems no one has seen employment completed. Plans were made passionate swallowed as such. Want to do that one has not been completed but others are also not finished as well. I was confused as well if so.Do the whole job only smoothly at first only and is not finished as I have set. I read an article this article well passable for working at home. Hopefully I can to resolve the many agendas that. From the article mentioned that we do is: 1. Controlling work space The point is that no one should disturb us when it works, if a new type two letters there is a calling, or a new laptop blame phone sounds so long we did not settle. 2. Having a schedule and to do list This is what I have I know that I have to do some things like making books business feasibility studies, and make power point and novel. Until now, the new novel I'm working just temporary. I was determined not to mention the need to work on the exam toefl, Gmat test and the other is I have to make again. Oh yes I should make a proposal as many as 200 pages, and I also have to keep a journal least a month to promote myself. 3. Do not forget to leave office The point is discipline in work. If we realize our work with a lot less time then we will work quickly and motivated. We will not lazy and procrastinate. 4. Do not Play Email. This is what we often do because we play a lot of e-mall just simply say hello to friends, uncles and cousins, but we are so not working. 5. Do not work all day If you do not feel at home for a day's work because you will feel relaxed just yet then you'll be able to work. You must still comply with the schedule and a list of your work.

Friday, July 24, 2015

The Advantage of Paying Yourself First or Saving

I have read an article from the get rich slowly about paying your self first . Our teacher said that we should have save the money. Perhaps your parent also said the same word. By saving, you can use the money later. Perhaps you want to buy a motorcycle that is expensive. You can buy now because you have no enough money. Perhaps,you need to go to the dentist because there is a small hole in your teeth or other thing. Saving is very important though I By paying yourself you can get the advantage or benefit from it: You use to live less I Often saw some people that buy expensive cloth while the salary is so low.They often eat at the restaurant whereas, they just make hundreds dollar a week. Certainly, they will not save any penny because they also spend money. Supposedly they prioritize the money for investment that is useful fro the future.Then they can use the remain for any spending post. Your saving and investment become priority You do not worry that you cannot save or invest the money because you save your money first. Saving becomes automatically You are forced to spend mindfully when you receive less money, you must think to reduce the spending. You eliminate any entertainment spending or you may think to buy at grocery. Photo by:

Monday, March 2, 2015

Invest in yourself that will not lose your money

People talk about investing in stock market. They can own a company by buying it. They can sell the stock when the price is so high. The stock is very expensive, meaning you need money to buy it. You can also lose in stock too. Rather than thinking investment, you are better to invest in yourself. There are things that you can do to invest for yourself: 1. Education Some people who have so much money can take higher degree. Well, you who have no much money do not have to be desperate. You can read the book to increase your knowledge. There are lot things that you can read such as newspaper, magazine, journal, website, blog and others. You can take the short course that relevant to your jobs. For example, as a writer you can take the language course or journalistic course. Perhaps you will be a good writer after the course. 2. Notice your health You have to eat the good food that you can cook by yourself. It also saves some dollar. I prefer cooking than eating. I can cook anything that I like. You need some exercise too. You do not have to go to the club if you have no money. 3. Explore your idea Few people can get benefit from their idea. Some people get million dollar by creating a simple things. For example , the post it is a thing that gain million dollars. Perhaps you can find something .