Three secrets of saving

Some people are difficult to save the money because they always spend the entire income. The people who can’t save, must be curios to know how to save the money. They have tried to save but they failed.

Here are the secrets to save your money:

1. Create a budget

Budget can help you to save the money. You can allocate the income to your saving. Say, you can put 10% of your salary for saving. You can increase the percentage when your income increases. Some expert suggests 20% of your income for saving.

By creating budget, you can reduce you’re the spending that your really do not need. You can shift it to your saving.

2. Spend less than you can get

A smart people must spend less than they can get. They must realize that the income is higher than the spending. When your spending is higher than your income, you must trim down it. You should control the spending that you do not need. Perhaps you often to eating out or three time a week. You can control the eating out spending.

3. Saving at the beginning month

Before you spend your money for food, shirt or others, you should save the money first.  It will enforce you to save. Saving may load your money but you will get the benefit later or some day. Once you receive the salary from your boss, you put it to your saving immediately.

Most people save the rest money at the end of the month. They have goal to save it but later they forget to save, they buy the rest money for food or beverages.

It is not difficult to save as long you want to save. You can also consider increasing your income. You ca write for blog or you can help your neighbor to get some dollars.

Benefit of learning budget

What for we learn the budget? It takes much time. We may spend money to learn the budget by asking the private teacher or financial planner. Perhaps, we also buy book to learn about budget. Though, you will find some obstacles, you will find that learning budget can give you some benefit.

1. You can understand and recognize what your spending is? We often unrealized to spend our money for food because we enjoy food. With learning budget, you can analyze where your money go out.

2. Know the goal of the budget
Some people just said that they want to be wealth. They want have house, car, and pet but they do not know what kind house, car and pet. You can set the specific goal either short term goal or long term goal. The short term goal is a small goal that you can reach in less one year. For example, we want to buy a refrigerator that cost $ 600. We can collect $50 every month. 
3. You can manage the money well
The budget activity is to allocate the money for some spending. You can elegantly share your paycheck or income to entire of spending. Your salary will be enough for one month. Some people cannot pay off the spending even they get hundreds of thousands dollar a month.

4. You can make budget spreadsheet
To record entire of the spending, you need spreadsheet. The spreadsheet can make your work easier. We just type the spending and the amount of dollar. We do not have to make the table manually. For next month, we just copy and paste the file. Surely, you might adjust some spending or income items when you need it.

5. You can teach other people about budget
The best ways to learn is to teach someone. You can teach about the budget after learning the budget. Teach your spouse first, he or she will understand the budget. He or she will understand why you stick on budget. You can also teach someone to make money.

6. You will not forget your money
A husband order the wife to pay the electric bills. She forget to do what the husband order. She forgot to pay the bill for a month. Fortunately the electric company does not cut the electric supply. She use the money for buying cloth. If she has budget, she will never forget to buy the electric bill.
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What Should be included in Financial Plan

People should make financial plan that is important for them. With the plan, you will know how to reach wealth. You know what you can prepare for to reach wealth. Without planning, we do not know where we go and we must lose in journey. When we go to in a place, we must prepare the map. We can choose the vehicle to go there. For example, you want to go to a place by car, bus or train.
To make the financial plan, you should include some essential or important element. In financial planning you should also include:

Figure your financial self
Check your financial health. Is the asset higher than the liabilities? Can you fulfill your daily necessity and month spending? Some people has high income but they cannot fulfill their spending. They spend too much money than they can generate.
List the entire of your asset. You may have a house that you stay inside. Guess the value of your house in dollar. You can see the price of the house today. Then, add your car as your asset too. Include the stock and precious notes as your asset. Count the market value of your stock or bond. Perhaps, you save some gold bar at the safe deposit box. You should record it as your total asset. Sum your entire asset.
List also the liabilities. You may have credit card debt, lease car, debt to other people. Record when you will settle the debt. Sum of all liabilities list and compare to the assets. If your asset higher than the liabilities, you are wealth. If, on the other hand, the liabilities is higher than the assets, you are not wealth.
Reach the wealth by reducing the liabilities. You can pay the debt soon for it. Do not borrow money again before your financial condition health. The debt cause your financial worst because you should pay it periodically.


The goal
What is the goal of your financial planning. People goal is to reach wealth. However, this goal is not clear. What is the definition of wealth? Each people have meaning. Some people think the wealth is a man whose has so many houses. Others people said that wealth is money.   We should have a clear goal. For example, we want $ 1 Million for next ten year.
The goals should be attainable. Consider the asset and your net worth. If your net worth is small, you should not set the goal too high so you cannot reach the goal. Calculate the money that you can get in specific time. We should be optimistic but we should able to calculate our ability.
The goal is also realistic. The employee should not set the goal to travel around the world. A common employee should think to reach wealth not leisure. They can set the goal to one place only where they dream to go there.

The budget
Budgeting is very important in financial planning. This tool can help you to reach the goal by the net worth that you have. A budget describe how much income comes to you and how much spending go out from you. Therefore, you can manage the money well.
The useful of budget is to earmark some money for the goal either short term goal or long term goal.For example: We want buy playsation next year. We can make the budget for buying the playstation. Earmark $30 per month, so you will collect $360 at the end of the year.
Making budget is not difficult. You can write what you can spend the last month. There are some spending items such as food, cloth, apartment rent, and others.  We have to eat everyday but we do not have to eat the restaurant because it is very expensive. We can cook the food in our kitchen tha is cheap and is also health. 
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How to save to buy house

Our ancestor live at the cave that can protect them from the wind and rain. They can also protect themself from the animal. As the civilization grow, they need house. A house is where the human can live. Every family need at least a house. They encourage to get the house. Here are some ways to save: 
1. Determine what kind house do you want  This is a important question for you. The house price is different each other, depend on the house type, the size of house, the location, and else. Research a bit about the house that you want to buy. Consider and calculate the time you need to buy the house. You will need more money, when you decide the house later. 

2. Budget for saving You need to earmark your income for your house. More money you save, more better. You can get the house earlier. Increase the income that you can do. If you have a good jobs, you may generate a high salary. If on the other hand, you get bad job, you just get low salary. Find side jobs or second jobs to increase your income. Teaching some knowledge and subject can make hundreds dollar per month.  If you plan to get house fast, you should earmark large money. It mus be heavy for you but i am pretty sure you can do it. 
Open an account that you will not withdraw except for house. You can save 5% from your salary or more than it. Save the money first before you use money for other things except for paying debt.
3. You can reduce the spending. You need to delete unnecessary and unwarranty spending for other purpose. You have better to have a house than watching the cinema everyweek.  there are so many things you can do to reduce the spending, such as: Use coupon to buy food at the supermarket and groceries. It does not reduce the spending much but you can save $20 - $40 per month.  Use the mass transportation such as buss, tram, train, to go to office or school  Use the save energy lamp to cut the electric bill. Turn out the light when you do not need it. 
In the spending side, you should use money for your need only. You can cut the entertainment spending. Find the alternative to cut down the spending. For example, you can start to cook your meals rather than buying the food because your cuisine must be health and delicious than other cuisine.
source :
http://www.ehow.com/how_5832_save-money-buy.html
Photo by: Tax credit

Three money management tips for single

My brother has high salary but he can save so much money. He often spend the money for leisure things. He buy the gadget; whereas, he has had new gadget. He also like cars and he has three cars. He also charity to our family. He used to give his nephew and niece five to ten dollars. That is why his nephew and niece also love him. He is a generous man.
The company that he work also provide health benefit. He will get some money when he sick. The company also provides retirement fund. He has so much money because he has not yet married. He does not need to pay the school fee for the kid. He also does not need to buy food and cloth for family. However, he should manage the money for the future. Someday, he will marry a girl and must fulfill the family needs.
I also suggest him to buy a house or land but he seem no hear me.   I believe he can collect so many assets by investing in stock or other investment.
Here are the money management tips for single:

1. Create a budget
We can set a part for the various spending. The budget help the single to manage their money. They can thrift the spending. The single should save more for the future. They maybe easy to get the money now but someday they will be difficult to find money. They should save so much money to cover them.
List the expenses that you use to spend. It is not difficult to do it. Write the expenses in a spreadsheet or note book.  The first expenses are the most important expenses such as food, cloth, gasoline, transportation cost, apartment fee, and so on. Then watch the list. You can reduce the item that you do not need it very much.
Separate the need to the want. The money is never enough to buy your want. You have to drive your self to buy useless things.  Reduce eating out o save hundreds dollar a month.
Be clever to spend your money too. Buy used things that are cheaper than new one. As long we can select the item, we can get the good items. We can buy used book or hire it at library.
A single will married someday and they need to save money for it. The cost of wedding is high too. In my country, the man should provide bride price for the woman. The bride price is not cheap.
Do no forget to allocate some money for saving. A least you need to allocate you salary to your saving.  The rule of thumb is ten percent. I hear Chinese labor can save 70% of their salary and they also invest he money at capital market. They could reach wealth soon though hey are jus a labor.


2. Avoid to buy everything
A single woman often buy the cloth, accessories, cosmetics, and so much. They want to looks beautiful. They can spend thousand dollars a month for spa, salon, and others.  On the other hand, a single man tends to buy gadget or electronics. They can save thousand dollars to satisfy their curiosity on the gadget. A single man also likes car or motorcycle. He can buy so many cars for showing to his friend. They want to
They have to press the desire to buy anything. You just need gadget to communicate to other people. You may do not need the feature of the gadget. Use the gadget until it broke and you can buy the new one.
3. Set the emergency fund
Set aside liquid cash for emergency fund. When you need cash immediately, you can use it. Some people who does not set the emergency fund will find debt to cover the living cost. They must  payback the debt with interest. Emergency fund or rainy day will avoid you increase debt.
Emergency fund is like umbrella in rainy day. The umbrella will protect us from the rainy day.
The amount of the emergency fund depends on your routines spending. If you spend more money, you have to set more money for emergency fund. Thus, multiply your monthly spending with six or twelve times. That is he rule thumb of emergency fund.
Where do we put the fund? Some people may hold the cash at the house. I think it is not safe. You can also put the emergency fund in short term investment or liquid investment so you can withdraw the fund wherever you need. 
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Financial advice for newly graduated

Some Australian young must return to the parent home because they have no jobs. During the crisis, the jobs opportunity is narrowing. The company has not received any employee because they have to minimize the spending.
After graduated from college, you must be confused where to go? The economic is so tight and the unemployment is so high. You may be difficult to find jobs.  However, you should responsible to your life. You have to make effort to reach wealth.


1. Find the jobs
No matter how hard you try, you should find a job. Ask the people near you about the vacancy. They may have job vacancy information. It will be better if they recommend you to a company or institution.  Sometimes the classmate informs you a good position in their office.
You should be proactive. Promote yourself that you are n expert and the company or people will hire your service. Promote your self at social media too and prove that you can do as an expert.
Write a good application letter and curriculum vitae so the company may attract to interview you. Most newly graduate do not write good application letter. They just imitate the other people letter; whereas, we are different each other. By copying other people’s letter, we cannot promote ourselves well.
Make sure you apply the right jobs for you. Do not waste your time by working the jobs that you do not like. Apply the job that you like and fit to your education background.
If you cannot find jobs, you should consider to start business. Some unemployment can reach success after starting business. Use the capital that you have. Do not depend on money only.  Use your brain to make money.
2. Create a tight budget
Most young men do not think the future. They spend all the salary for the things that they supposedly not buy. They do not know exactly where to spend the money. Some newly graduated buy useless gadget. They jus want o show to their friends.
Supposedly, they earmark the money for saving. Saving is important to reach wealth. When you need the money, you can withdrawn the saving. I believe a newly graduated also needs money when they marry. After marry, they must need a house. Hiring apartment or house is sometimes awfully. When hey have kid, they must need more money too.
Creating a tight budget does no mean miser. You can still give donation or charity o other people. It makes you and other people are happy.
3. Learn about financial planning
Although you are not graduated from finance major, you need to learn about financial planning. This science will help you to plan your future and reach the wealth. It is not difficult to learn it. You can read the book that is written by Dave Ramsey, Suze Orman, Robert Koyasaki, and else. If you have no much money, you can read the finance article in the website or blog.
What is your plan after graduating? You must need some money for your plan. Financial planning will guide you to reach your planning or goal. To reach the goal, you may save some money. You have to post or allocate the money for your plan to. Some people may have money than they can imagine. The asset increases over many times because they put the money in investment.
This science also tells you that you have save some dollar for your pension. Yes, you are still young but you have to think your future.  Apportion penny by penny for your old time and you will have the benefit of it.
He financial planning also help you to manage your money well. You can allocate the salary to various expenses such as food, cloth, gadget, leisure and other. It help you to limit your expense. 
4. Create emergency fund
Supposedly a student provide he emergency fund. Sometimes we should spend money for buying a book or make a project. A nice sudden know that he should provide emergency fund.
A newly graduated must need much money too. For example, they must to go to the office for an interview. Sometimes, the office is far from the house. They should buy a flight ticket which is not cheap for it. They can use the emergency fund to buy the ticket. The situation can worse when you have no money. You cannot buy the ticket and you cannot go to the office for an interview. As consequently, you will not enter the company.
When you still have no jobs, the fund can also help you to buy food and cloth. You can also pay the apartment fee. Remember, the emergency fund is limited, so you have to make money before your emergency fund deplete.
5. Do not buy a car
A new graduated does not need a car. The cost of having car included service, gasoline, and oil is so high. Your salary may be not enough for that. You are better to save your money for other post such as education. You may have interest to continue to master degree. The master degree graduate can get better and higher salary than undergraduate.
You can buy the car when you have so much money. Do not ask your parent to buy car and pay the cost.
6. Retirement fund
Most young man or newly graduated do not think retirement fund because they think they are young. They need so much money topsoil them self and they think retirement when they become older. Retirement fund is not the old man business but also young man business too. The young can gather more money than the old man can do. The sooner they invest at retirement fund, the bigger they receive the retirement fund later.
If you are businessman, you can earmark the business profit for retirement fund. Some retirement fund is flexible and have credit facilities so we  can borrow the money from it to enlarge our business.

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How someone whose has variable income creating budget

Thanks for internet that helps us to work online and make money online. We can make money by making business presentation for other people. If they like, they may pay you dozen or thousand dollar. The company can pay less than hire some employer. For the self employed people, they may receive more or less revenue, depending on their project. When they got abundant project, they may receive more money.
Someday, Company will employ freelancer than employer to cut the company expenses.  In future, the company just pays the salary without pension fund, health insurance, and others.
As a freelancer or self employed, they may receive uncertainty revenue or variable income. Sometimes they receive dozen dollar or sometimes they receive nothing. To create budget for freelancer or self employed, they may calculate yearly income. Find the average of your income by dividing income by twelve.
Though you have no fixed income, you should allocate your some expenses. List also that you expenses monthly that you have expenses. Compute grocery food, water bill, electric bill, and cable bill, and others.  The spending side is relative fixed than the income. You must adjust the average of your income to the spending. Do not spend more than you can earn or you will borrow money to cover your high spending.
As a freelancer, we can estimate when we receive the income base on last year experience. For example, the auditor will receive abundant money in March because the jobs or project is abundant in March. There are so many companies that find audit service. Do not use the money for spending only. Some people may spend the money for useless gadget whereas use it wisely and you can put it at emergency fund that you can withdraw it whenever you need money.
In my opinion, emergency fund is very important for the people who have no fixed income. They can use it whenever they have no jobs or project. I think they are better to provide at least six month of your monthly spending. Increasing it double is also wise decision.

The budget for the worker who has no field income

Not all people can receive salary like people who work for the company. Sometimes, they get money each three month. For example : The farmer who plant corn, sorghum, paddy rice can get money after harvesting the cerelia. It need at least three month.
Due advanced technology, some surfer prefers to work as the freelancer. They can get some project on internet. They will be paid after the project has done. Sometimes the employer does not pay them because they do not satisfy with the project or they may fraud you. They said that your work is bad whereas they use your work.
As the freelancer, you have uncertainty cash flow. Therefore, you have to create a budget that is specific for instable income. These are the steps:
1. List all expenses
The freelancer must have expenses too though they cannot make money every month. List the fixed spending such as debt, mortgages or house rent, income tax, insurance, food, and else. Do not forget to list semi fixed spending such as electric bill, heat bill, internet bill, cable tv, cloth, and so on. Sum all of  the month spending.
2. Sum the income that you might receive next month. You may get the benefit from service fee, royalty, consultant fee, and others.
 Alternatively, you count the income that  you receive last year than divided by 12. It can smooth your revenue.
Do not list the income too optimistic. For example, you will receive hundred percent of your project that you have done last month. Some boss may pay you next month but some other may not pay you. Some client want to pay you but they want to pay it next month. You have to compute the income carefully.
3. Compare the income with the spending. If the income is higher than the spending, you can allocate the excess to the saving or investment post. You can also buy something if you need it.
If, on the other hand, your spending is higher than income, you need to reduce the spending. Alternatively, you borrow the money from other. By borrowing money, you can fulfill the daily necessity for temporary. It is not good to add the debt, remembering the high interest that you should pay. The better ways to make your budget balance is reduce the spending. As a freelancer, you need to trim down any spending due you do not have fixed income.
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How to become financially stable

Diversify your income
A man should have more than one source income due tight economic. We cannot depend on salary only that your company have not increased it year to year. Some employee save a part of salary to build a business with the friend or colleague. They can work for the business after working from office. It does not disturb their jobs in the office.
If you are busy, you can invest your money to reliable friend. They may share the profit with you. While, you are still working, your friend will send money to you.
Is it enough to generate income from two source? No, you can expand other source. You can buy some asset such land, car, boat, and others.
Get money from various income types.
Most employee get monthly salary that is derived from the boss. The high salary base on our contributor to the company. The manager level employee can get higher salary than the staff. The company also employ the expert with high salary.
Due to economic tight, some company reduce the employee. The employee who depend on salary will got nothing. They just receive pension rate. If the company are kind, they may give severance that can we use to find other jobs.
Speaking about financially stable is not complete without talking about spending. To reach financially stability, the people should manage the spending well.
The debt usually may affect the instability. When the interest rate high, we need more money to pay the debt. Allocate the money to settle the debt soon. If you have excess money you can settle all of debt. Perhaps, you will get penalty but it will enlighten you next day.
The increase of good also may disturb the financially stable. They can make flexible budget to anticipate the increases goods. There tips to reduce the spending such as buying in bulk, using coupon, and others.

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Financial Advice for teenage

A teen also needs financial advice too even they have not yet generate money. They may not know about finance or money because they have no jobs unless special teen who work as the artist or celebrity, such as Justin Bieber. Though the teen has no paycheck or salary, they should manage their money well. The parent should advice the kids so they can manage money when they grow up. Here is the financial advice for teen:

1. Budget
A teen that have able to calculate the number and graduate from mathematics subject must be able to create a budget. They can use a piece of paper or they can use spreadsheet. I believe the teen spending is not much as the mature spending. Perhaps their spending is just transportation cost, lunch, toys, and others. Most teen spending is paid by their parents. 
Remember what you spend last month and what will you spend next month. This is not difficult for the child to record the spending.
2. Frugal living
Do not ask your mother or father to buy the expensive gadget and toys like your friend? Your friend father may be a success business that has million dollar in stock while your father is just a clerk. You just need a simple phone to connect with your friend or you may need a notebook.
As the teenager, you do not need own car. It needs service and maintenance. You can use bicycle to go to school or the school bus.
3. Saving
Your mother gives $ 100 per month but you do not spend the entire of money. You do not need to back to your mother. Keep the excess cash to your cash box. You may need the money when you grow up or you can collect it buy games, software, baseball card, and other.
It is better to buy the toys with your money than asking to your mother.
4. Try to find little pennies
In my country, a couple kids make English course games. The games can help the foreign English to learn English fun. The kids generate royalty when they young.
Why do not sharp your skill when you are young? You are young and your parents support you with money. They also allow you live inside the house.
Some kids offer the service to the neighbors. Mowing the yard is not a bad idea. The neighbor may like what you do.
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How to budget when you are broke

Some people has been broken due to the uncertainty global economic recently. Naturally people will cut some spending to keep the budget balance. It is the easier option due it does need money. The broke people should consider increasing the revenue.
Here are the steps to budget of your:
1. Decrease "unnecessary" spending such as cinema, cable TV, magazine subscriptions, eating out, and else. You can read news at internet that is free.
2. Decrease your saving post
Saving is good for your future. You will need the money for your kid school or university. However, you need more cash to other important budget post.
3. Prioritize on bill
Do not make your life more difficult by delaying the bill. Pay the bill such as water, electric, and gas. You must be difficult when the electric company shut your electric.
If you still have mortgage debt, you need to pay it or the interest will increase and it is load you. The floating rate interest rate may not good for you.
4. Find other income sources. Be creative people by finding income sources such as blogging, writing, become a volunteer, and else. Some people can get dozen, hundreds, or thousand dollar. Do not just cut your spending but you have to increase the income side. 
5. Go to anywhere with public transportation
Being broke, you do not have to own car. Go to anywhere with bus, tram, subway or train that is cheaper than driving the car.
6. Create a tight budget
Trim down some expenses that you can do.
7. Negotiate your credit
Send the letter to the bank or financial institution that you owe to them. The letter content is the proposal to negotiate your credit. Explain that you are broke and you need low interest. It might be difficult to ask bank to reduce the interest due the bank is also difficult to get the profit. Some people also propose for interest cut. However, it is not wrong to try it.
8. Stop leasing or credit
If you have lease car, you can stop the lease. Alternatively, you can ask lease transfer to whoever need lease car.

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Disadvantages of Budget

Disadvantages of budget

Most financial advisers suggest us to create a budget that help us to control the spending. People can set how much spending for next month. They will spend any product and services that they have write before in the budget. Some people are success to decrease their spending with budget. They can save excess budget to piggy bank and then invest it at capital market.
However, the budget has also some weakness that we should know:
1. Budget is not flexible
Each people has different financial behavior. Some people cannot guess the next month spending. They just write the last month spending but they do not consider other things. Next month, they just buy what they have written on budget while they need to buy something else. It is not good to delay the spending while you need the things immediately.

2. Waste the time
For some people who does not have finance knowledge, they may confuse to build a budget. They may forget to record all of last month spending. As consequently, they always improve the budget every month and it waste time. Next month, the spending may also change so it must be changed again.
You should record what you have spend and what you have got every night. at the end of the month, you should  compute all of it and compare the budget. If your spend more than budget, you have to decrease the spending or increase the income.
If we have missed to record the spending in a day, the record will be fail. We must start to create the budget again and it takes time. 
3. Safe lifestyle decrease your lifestyle
Certainly, your lifestyle will decrease due its budget. We have thrift our spending and delete some "unnecessary" spending such as vacation, clubbing, and others. For some people change the lifestyle is rather difficult. They have to spend "unnecessary" things for their business. They may loss the client or business when they change the lifestyle.
4. Mismanaged life
Some budget creator is not able to allocate the most important things in their life. They spend the money to daily necessity only. They forget that they have to save for future. They may allocate the money to investment or saving.

5. incomplete planning
The budget is not complete and it is short sighted. The budget does not consider the future due it use the previous spending data.

6. Budgeting needs money
Some people ask financial planner to create the budget. As consequently, you have to pay the planner expensively.The financial planner is the expert who can create a good budget for you.

Personal Budgeting Concept

To manage the cash flow, some people create a budget. The budget helps people to track where the money go and where the money come from. Most government, municipal, organization also create budget to manage the organization finance. They afraid they missed some spending or income.
Creating a budget is not difficult. You need to understand the budget concept. Here are some concept about budget:


Purpose
Supposedly the budget has purpose. The creator must know what the budget for. Most budget are made for living frugal. He or she should recognize the income and the spending.
The purpose is a corner stone to create the budgeting.We can allocate the income to some spending post. For example, we want go outside. We should allocate our income for vacation that needs thousand dollars. The creator can set on how long we plan to vacation. Perhaps we want go to vacation next three years.
Simplicity
The budget must be simple and you know what the mean of your budget. You can create the budget that different with other people as long you understand about it.
Use the spreadsheet software such as Microsoft excel or open source spreadsheet. Write your revenue items on the top of the spreadsheet and sum of all revenue. You can write the spending below or the following the revenue. Compute all of spending. Last, Diminish the revenue with the spending.
Flexibility
A budget must not be straight. It must be flexible to pay the unexpected spending. For example, we have set the cereal spending a thousand dollars a month. Unfortunately, the cereal price increases 10 percent. Reduce our cereal spending is not reliable you and your family will starve. That is why you have to pay the cereal and use money from other post such as leisure, and saving. At the end of the month, you can evaluate the cereal spending.
Budgeting for irregular income
Some people has irregular income that they can get anytime. The freelancer work usually generate irregular income. They cannot predict how much money monthly. Sometimes they do not get any money but sometimes they get so much money. The budget also consider irregular income that can balance the spending.
For freelancer, they can compute the average of income in a year. Sum of all revenue in a year and then divided with twelves ( the amount month in a year).

How to create strict budget

As the economic condition is difficult, some household try to reduce their expense so the income can balance the increases spending. They will bankrupt if they do not change their spending behavior. The key of the strict budgeting is that it eliminate all unnecessary spending but some household may difficult to definite the unnecessary things. They use to buy anything. In this article, I will explain how to create strict budget:
1. Recognize what you have spending last month. It could be a cornerstone of your budget. Have you record all of your spending. It will be better if we check our last three month spending as the cornerstone of our budget. We can describe the appropriate budget for us.
2. Decrease unnecessary spending such as holiday, leisure, goes to cinema, and others. Some people buy brand stuff that is very expense whereas some generic brand has similar quality. Do not splurge your money to those things. You can save the money into cash box or investing.
3. Not use credit card. Some people are tempted with credit card simplicity. They think that credit card can lower the spending. The credit card charge interest rate so it is impossible to lower your spending with credit card.
4. Limited the electrical use. Turn off the TV when there is no people watch it. Some family limit the TV hours so the children can study.
Use some energy saving electric such as TL lamp, save energy laptop, and else. You can use solar heater, for your water. It does need electric.
5. Some people can stick using car to trim down the spending. Use car when you need to go to some place where public transportation cannot reach it. If you want go to office, you can use public transportation such as train, tram, bus, and others.
6. Use some discount coupon. Some website offers free product for promotion. We may get a cup of ice cream, a bottle of ketchup, a bottle of milk, and so on. Some coupon also offers discount or rebates for certain product.
7. The spending should be lower than the income or revenue. If you find that the spending is higher than income, you have to revise your budget again. Trim down again some expenses until the budget balance. If you are difficult to cut the spending, you need to increase your revenue.

How to save our money in food?

Despite the bad crisis, we have to eat to support our lives. Most people are difficult to reduce the food cost; however, they can trim down some in food spending:
1. Planning before spending
It is better to notes what kind food that you need to buy. Do not go to the supermarket or retail stored without its notes. Most women are tempted with so many foods at the supermarket. They just grab and put it at cart. They forget that they should pay it.
With notes, a mom knows what she should buy. They just grab the food that is on the list.
2. Coupon or discount coupon
Some supermarket offers free sample product to attract a new customer. It is not much food that they offer but it could save little penny or dollar. Some company also offers 20%-80% discount for specific product. You can find the discount of the product at website, blog, facebook, or twitter.
3. Buy in bulk
Some groceries will give discount to anyone who buys in bulk. You can buy in bulk toilet meat, milk, and eggs. Do not buy in bulk fresh vegetable and fruit, unless you are sure that your family can eat all of it.
4. Buy generic food
Most food has brand that is usually more expensive than generic food. Buy generic food to trim down your expenses. Some generic food has good quality too.
5. Plant garden or create a backyard farm
Get benefit from wide backyard. Bury vegetables or fruit tree. You can harvest it when the vegetable or fruit is ripe. Some chicken are also good at backyard that can produce fresh eggs every day.
6. Consider use canned, dried, and frozen
My neighbor save goat meat at frozen for two month. The meat is still good and he cook goat Kari for us. You can also to consider frozen food. Buy the meat in bulk and put the refrigerator. You can also dried the meat with spicy that can durable for three months.
The canned food such as, fruit, vegetable, and salami is cheaper than the fresh food.
7. Buy directly from farmer
In my country, we can buy rice to the farmer directly. It is cheaper than buying rice at supermarket and groceries. We can save the supermarket or wholesale margin. In my country, the supermarket rice price is two times farmer rice price.
Perhaps your neighbor has plant garden or backyard farm. You can buy directly to them. I believe the price must be lower than supermarket or grocery.

Reason Not Watch TV

TV is the most famous entertainment things in the world. We are free to watch TV every time. We can watch some cinema, movies, and film. TV broadcast the news that may useful for us. The weather information informs us to prepare from hard rain.
However TV gives some bad effect to the watcher. Like a drug, we are difficult to not watch TV. This is the shortcoming of watching TV:
1. The energy cost will increase
Undoubtedly, TV needs energy even a save energy TV. You have to pay the bill each month.
2. Watching TV too much damages your eyes. When we watch TV, our eye accommodate with the TV light. Sometimes I can stand with the light. If you watch TV our, your eyes will tears. The tears in eyes because the eye tired to accommodate
3. Alienate you from reality
Some TV show is unrealistic program. The TV teaches us how to dream but it does not teach us make us rich. However some talk show program can enrich our knowledge.
4. Delay your project
Some freelancer delay to finish the job because the TV program or movies is so excited. They forget that they must finish the jobs tomorrow. Finally, the client will not give jobs to the freelancer.
The freelancer is easy to be tempted by TV because they work at their home where they are free to turn on the TV. Some company also provides TV so the employee can watch it. I think the company should turn off the TV.
5. TV can make you lazy
Some people prefer watch TV than sport. They can spend time for hour while they do not do some exercises for five minutes only.
Actually, they can do some exercises while watching TV. Sometimes I watch TV and do some exercise. I use stick for sport. Sometimes I swap the floor but the TV is still on.
6. Waste your money and time
Time is pricier than money. When you watch TV you waste so much time. Some people can watch six to twelve hours a day.
We may not stop watch TV but we should limit time at TV. Reduce our time in TV step by step and you will be free from TV.

Some Cheap Vacation

As an ordinary people, we need a break from our jobs. It makes our brain fresh. A man still need vacations even they are not rich. They can find cheap vacation near their house. After vacation, you have new spirit to do some of your jobs.
Here are some cheap vacations:

Camping
Find camping location near your house. Perhaps some national park allows people to camp at there. You just need tent for camping. Surely, you should provide some food such as cereal, bread, meat, fish and other. If the camping place provide so many food such as fish, you can provide the seasons, or butter. You can cook at the outside and eat the fish. Surely, you should provide food reserves or you will starve. You should make some preparation
In my country, people use to go to the university where there is a big lake. They are fishing and get some fish such as catfish, cichlids, carper, gourami, and others. They grill the fish near the lake. The university does not charge the ticket to anyone who stays at the lake.

Fishing
There are some fish at river, lake, or water. You just need a fisher and bait. It does need much cost for fishing. You have to be patient to wait the fish.
You can bake the fish at the river or you can bring it to your home. The fish is fresh that is different with other fish. If you have so many fish, you can save it at refrigerator and it can save your money on food.

Climb Mountain
If your house near mountain, you can visit it. We are free to sit on there. You can climb at the morning when the air is still fresh. Climbing mountain can relax your feet and your lung will be fresh again. Some climber said when we are on the top of mountain or hill, you can scream very loudly to release your stress. To be honest, I have never do like that but you may try it.

Local History Sites
Perhaps your house is near a history site. Your place may near the battle area. There are some historical places that are built by the local government. This place collects some historical stuff. Your kid may need some knowledge about the history for the history class projects.
The Museum that collects the archaeological things such as coin, artifact, sword, gun, flag and else charge little money.

Zoo
Some Zoo is free. In my country, a rich woman found a bird reservation near her farm field. There are lot birds that perch on the tree. The woman forbids any people disturb the bird in the land. This is the best place for refreshing. You can mats and watch the bird.
I believe some rich people in your country found free zoo. The collection of animal may be not complete but it can be a good vacation for you.

City Park
Some big city plan city park in the middle of city that is to supplies fresh water for the city. We can breath some fresh water on that place for few hours. There are lot tree and plant that reduce our stress. Some city park is free.
We just need transportation to go there. We can use taxi, bus, tram, or train. If the city park is close to your house, you can walk or ride bicycle to there.