1)For example:if you want to buy a house or car,you should determine how much is the down
payment you need
2)If you are retiring ,you should start planning now!!!.So that you can enjoy and live comfortable after you retire.
Set a time phrase
1)If you want to buy a car.You must set a date for completing your goal and make sure you
complete your goal within the time that you have set
Keep a record of your expenses
1)Keep a small notepad with you all the times when you go shopping.Make it a habit for
recording the amount you have spent and please keep the receipt for further reference
2)Once a week sit down with your small notepad and receipt.Write down your expenses in a
bigger notebook or use a computer spreadsheet program to record the amount that you have
spent in a week or in a month.
Stop using credit card
1)Pay everything with money.It may cause you to overspend because you do not see the money
fly
2)But if have a credit card and you want stop yourself from using the credit card, put a note
together with the card to remind yourself and your saving goals.
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