Guess who is this Myanmar singer with a nice feminine body?
Myanmar model Thandar Hlaing may be in her 30′s but she is
Photo credit to – Larry ML (Madi & Friends Concert)
Balancing the household budget is a very important step to achieve your financial goals. You should treasure your paycheck right now as it is hard to make extra money in a recession. In order to bolster your savings account, you have to make every effort to reduce unnecessary spending.
I can’t stress enough on the importance of balancing the household budget because if the economy gets worse, you could be facing a loss of income and even worse, swarmed with debts.
Here are eight easy tips to balance your household budget.
1. Spend on needs, not wants. Of course if you have the money, you can classify any want as a need but you have to be realistic here. Just buy what you need for sustenance and avoid splurging on the wants, like Armani and Prada.
2. Track your money. Take the time to write down how much you spent per day and the items you bought. You can review immediately if the purchases are wasteful. Grasping the ins and outs of your household budget will enable you to stick to it.
Also beware of ATM withdrawal fees charged by your bank. While some banks waive fees for ATM transactions, most don’t. But as customers, we can exercise our right to use only ATM machines where there are no fees imposed.
3. Evaluate your bills. Your phone, cable, and utility bills are places to save money and balance the household budget. Cancel any cell phone services you don’t use as well as redundant features which the phone company enticed you to sign up for.
Understanding the items in your monthly bills will enable you to notice sudden spikes in charges. Also, be on the lookout for promotions with your cable company or cell phone provider.
4. Do It Yourself. If you need work done like repairs (aircon, plumbing, car) or home improvement (building a new rack, patio furniture, painting, gardening) why not take time to learn a new skill and do it yourself?
Since labor constitutes a hefty portion of home and car repairs, you can save a lot of money with DIY even if it takes away some of your recreation time.
5. Plan your errands and buy in bulk. Try to do as much in one outing to save on transportation expenses and time. Besides improving efficiency, buying in bulk (load up on bargains especially for non-perishable items) will translate to huge savings over time.
6. Change your lifestyle. Try to avoid going out for movies, party, dining or having a few beers at the lounge. Find things to do at home like renting movies or find new bars that have no cover charge.
Instead of going out every weekend, why not stay at home alternate weeks. It will also have a tremendous health benefit (with less smoking and beers) and the money saved will be impressive.
7. Use coupons for grocery shopping. This can be a big savings. Use coupons to buy your daily items and consider buying store brands instead of high quality brands. Clipping coupons go beyond groceries. You can use it for almost all online shopping items. Just take some time to search and comparison shop on the net.
8. Pack lunch box to work. Instead of wasting leftovers from your dinner, bring them to work and save on buying lunch each day. Just imagine how much you save money you save by not buying sandwiches, sodas, and snacks from convenience stores.
By Barry Ritz
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