9yxctThe trick is, if you paid with a credit card when you filled up the fuel, write “Fuel RM 50 credit card.”
Later, when it’s time to pay the credit card debt, open the statement and look first, also note how many finance charges that month.
But if you had lunch earlier, RM 7.00 paid in cash, write cash.
This means that there must be a column of entries, which is cash, which is credit.
When making a cash transaction, make sure you look at the wallet every night, tally it with a note.
Step 5: Do It For At Least 3 Months
This post must be made at least 3 months ago.
Yes, 90 days.
It’s not easy to be happy. Even 90 days, even 9 months pregnant. This is one of the important steps to be happy for many years.
After 90 days, we can make a graph like this:
Please break down our expenses in the form of a graph like this
There is a record, it’s easy to do. Surely we Whatsapp Mobile Number List can know where we spend our money every month.
The money is not lost. If it is lost, we are responsible.
The money was not stolen. Even if robbed, we are the robbers.
Not someone else.
2. Prioritize the Main
We always buy for emotional reasons.
It’s not that it’s really necessary.
Then we try to justify the purchase so that we can accept it, it is said to be rational when shopping.
The fact is, we always buy things we won’t use, rarely use and don’t even need.
“While there is this discount, there will be a wedding party later, it will be nice to have a dress.”
“Buy one get one free. Wow!”
“It looks beautiful wearing these sunglasses. It’s like an artist. lol”
So please break down our expenses as follows.
Anything that falls into the luxury and want category then it can be cut or delayed
Financial fasting.
Fasting from shopping.
Resist lust.
Based on the notes we have made, we look at our BTB Directory spending habits one by one.
Then can decide to cut or reduce mana based on preference.
Here’s an example situation:
Savings 1
We just noticed that we spend almost RM 50 a month because we buy newspapers every day.
Understandably, the title shakes the soul when reading it.
Meanwhile, we can read it at the office or online.
vcts