“Are you satisfied of your financial situation?” I have asked my some friends about this problem.When I heard the answer,I was surprised that almost nobody did give me a answer of “yes”.
In general,improving your finances improves your happiness, so I thought it would be important to share the ways that’s worked for me.
If you are not satisfied of your financial situation,you can learn something from the following ways.And,if you think them useful,please tell them to your friends to help them to improve their financial situation,too.
1. Use a debit card instead of a credit card.
Today,more and more people use credit cards.But they did not realize that credit cards will let you unknowingly spend more money.Instead of the credit card,using a debit cards or cash for non-bill spending such as eating out, gas, groceries. So that you can better control your expenditures.
2. Save little and often
Do you tell yourself that it’s not worth saving if you don’t have at least $100 （or $500, or $1000） to put into a savings account? Give up this idea.Let us begin from $1 per day.If you save $1 per day,you will save $365 one year.So,if you can save $2 per day,$3 per day,you can calculat how much money you save one year.
3. Cook at home.
Do you remember how much you spent on eating out? It will spend you more than $50 having a meal in a restaurant.But at home,maybe it will cost $5. And not only is this much cheaper than eating out, but it’s healthier. So,if it is not necessary,please cook at home.
4. Exercise.
Staying healthy is the best way to avoid costly medical bills later.
5. Exercise at home.
The gym will make you spend more money. Exercising at home, you can achieve the same effect as in the gym. And you can save a lot of money.At home,you can do a lot of body-weight exercises （pushups, Hindu squats, lunges, pullups, dips, etc.）
6. Shop Second-Hand
You can go to the second-hand market to buy anything you need at prices well below retail. For example, unburned candles, antiques, collectibles, vintage jewelry and books,etc.
7. Lend and borrow.
Give books and clothes and toys you don’t need anymore to your friends and family. If you need something, send out an email asking if anyone has it. Chances are, they’ll give it to you for free if they don’t use it anymore.
8. Make a 30-day list.
If you are looking to make a large item purchase, put it on a 30-day list. And then,ask yourself the following 3 questions:
- Is this item necessary for me? 50% or 100%?
- Do I have similar items?
- When will I abandon it?
After I ask myself, I gave up most consideration of buying.
Many times people buy stuff because they think （subconsciously perhaps） that it will bring them happiness. But a lot of stuffs they bought are not necessary for them,they will throw them aside after one day or two.It’s so fun! They wasted so much money unknowingly that they put their financial situation into distress.
So,if you want to improve your financial situation,you must obey the above ways,and change your habits. And,if you have any other good ideas,please share them in the comments!
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