Some coffe sachet drain your money

 a financial experrt in my country said that cigaettes and cofee sachet make people poor. I believe that the cigaettes can make you poor. the cigarettes is expensive. in additon some smoker use not only one pack ciagreeets but some cigereetes. that is why some commpon people become poor . 

However i cannot believe some sachet coffe make poor. a sachet of coffee is very cheap tha cigareste. Drinking five scahet is not moe than a dollar. However, with this sachet you need other snack and coffee. in my country a sachet of coffee just 25 cents or a quarter dollar. While some cigeretes price is two dollars. some smoker can use up to three packs cigarette or more. i am pretty sure the cigaettes price in developed country is far higher than in my country. 

while a cigaretees make you poor, some sachet can dain money. saving some cent help you to each yu financial goal. 

Frugal living is not good for your country?

 

One way to increase wealth is by frugal living. We have to cut some "unnecessary" spending and saving it. cutting the spending or a spending is useless when you do not save anything. you have to encouraging by save money. some cafe becomes quit. people prefer eating in home. Eating in home saves money and healthier than eating out. We can control some food that we can cook any food. we also save some dollar from it.

However, a podcast told that Japan small business decline due to frugal living style increases. The cafe become close and it is not good for some people. some people who have a cafe or some people work at there are in bad situation. the worker may get fired. I know that the consumption also increases national income. more consume, more income. in my country, there are so many people and they consume the small business food product. That can increase the other people income.

in individual, more consume, meaning you cannot save money. you decrease your wealth. off course you have to live frugal and spend only you need.

The Benefit Cutting your Credit Card

There is a business community in my country that promotes "avoid usury" movement. They do not avoid to   business with bank because the bank charge interest to the debtor and they also share tha interest to the creditor.

Their movement to leave riba (usury) in their live. One of their actions is to ask people cut the credit card. They realize that credit card is a usury that load people.

I also agree to this movement because the credit card cannot give the real benefit for us. They may give you money at the advance but you should pay more than you can receive because there is some fee such as admin fee, interest fee, and so on. 

The credit card also boost you to spend more. Some people spend thousand dollar in a day and reach the credit card limit.  They think that they can pay all the debt later.

Cutting credit card will lead you to financial independence. You do not have to  pay the debt and you do not need the money from credit card. You can find money from business or you can work for other people.

You will leave the Sin. As a Muslim, we believe usury a sin. Allah and the messenger will embattle you that you will not win on it. 

What you can do after paying off the debt

The article is interested me .Live after debt. For the debtor, they must be happy after paying off the debt. They do not have to pay the debt again and so the interest. Now they can more enjoy the salary.

Off course, they can celebrate for once.They can outing out for it but they should be careful. They can be trapped at the debt again if they do not change the lifestyle.

after the debt life, you can restablish your budget now. You will get have more money because you do not have to pay the debt. You have to wise to use the money.You can save the money for the emergency fund that is six times your montly spending. This will help you to avoid the debt.

Payongg off the debt is not finalgoal. You should always think the other goal . You must have some gola that you want to reach. You can use the money to fund your goal. I believe you want to fund your kid school or buy a new car. Prioritize the golas that you need not you want.

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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
 

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.

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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