Paul Coffee Shop

Entering the end of the year is usually a mall or large stores competing to attract buyers took out a stance annual pass discount.

The term is used also varied, ranging from the “Wash Warehouse End of the Year”, “Discount End of the Year”, “Discount Christmas and New Year” and so forth. Goods offered was not just the need for the celebration of Christmas and New Year’s party, such as clothing, shoes, bags, accessories and cosmetics, but also electronic goods ranging from phones to computers.

There are tips for addressing the offer of discounts from a variety of shopping centers that the average price attracts us to directly reach into our wallets.

1. Do not rush in to Shop
First of all, try to spend enough time shopping discount end of the year. If time is limited you in a hurry and not careful in selecting the goods. As a result of goods that you select may not be qualified. Frequently it, we just realized that the items purchased do not have the quality in line with expectations when they got home, like the clothes do not fit their size, not neat stitching, or quickly faded color.

No less important is the authenticity of the product. If you buy a product known for being entered into a huge discount. Do not until you get a big discount, but the goods that you buy it “asphalt” (the original but false). Loss is not it?

2. Compare Price
There is nothing wrong to compare the prices of similar goods at a place and other places. The objective is to ascertain whether indeed the goods we buy are really discounted.

There are some stores that “cheating”. The trick used to raise the price after discount was only given a label. If calculated, the price remains the same count. For example: Clothes for $ 1 before discounts. Now on special discounts, clothing prices increased to $1,25 with 20% discount. This means that when the discount you continue to pay the USD $ 10 shirt. Thus, there is nothing wrong, you are comparing prices from one place to another, rather than cripple your future.

3. There is nothing wrong Inviting Friends
Yeah, there’s no harm in taking your husband, boyfriend or friends who can remind you not to continue shopping. If you are shopping alone or even together with friends who love to shop, you might be “crazy” devouring the goods with a big discount.

Nothing wrong with telling your list of what needs you want to buy to your friend. The hope of course he can remind you not to buy goods which are beyond the list of those needs. Remember, the discount end of the year must be addressed with wisdom, not with a shopping passion overflowing.

Many of us have puzzled out how to pay enough for one month because salaries are often discharged prematurely. Actually you can save from your salary no matter how much your income, a way to build healthy habits in using money and dare to try creative ways that can make your money grow and also make your life better. However, a change in virulence was always in need of adjustment on the other hand. So also with the habit of shopping, spend money would have been much more fun than having to save it.
Know, you do not have to suffer because of trying to manage money well and started to organize your life. All you have to do is how to use money with smart and being a careful shopper. The aim is that you get the most from every dollar you earn and not spend a penny when not required for that.

We just take another example in addition to changes in shopping habits are also an issue most people, such as smoking habits. You know that smoking is harmful to health, causing interruption of pregnancy, impotence, heart disease and so forth. You want to stop smoking altogether, but every day always just the opposite. Various temptations when implementation is already making a strong willingness to surrender to a prank a friend who bet you will not succeed. Not to mention a mouth that feels sour distract concentration, headache because it stopped smoking also require adjustments to another physical condition.

Well …. It is very difficult if you should quit smoking at once, but if one day you used to spend a pack of 12 sticks, why not try to reduce one cigarette alone first. The difference does not feel right? If you are forced to stop at once, you will surely suffer

How can so I could use the money carefully and be careful shopper? The following are tips on smart shopping is simple and can help you build a healthy shopping habits, among others:

1. Reduce the purchase of goods whose value decreases
Spend your money on goods whose value increases. Most people shopping on goods whose value is gone once used as food, clothing, or the value is declining as electronic goods and other consumer goods. As long as you are able to distinguish between wants and needs of the shop is a natural thing done and open it just simply hungry eyes

2. Little stuff means a lot
Often we do not find out a lot of money to buy cigarettes, buy a snack or just coffee-coffee. Naturally, if we forget because only a small amount and had become a habit. The danger is due to become daily habits that we forget that this small amount in a year if we calculate the amount so great as well. Obviously the numbers will be further multiplied if invested.

3. Keep your total installment debt below 30% of salary
Habits of people in general are using nearly 90% of monthly income to finance the expenditure needs of the household. What happens if you have a home loan repayments, car or credit card spend 50% of income? Where do you have to meet the needs of household spending. You might get a loan here and there to cover household needs. Therefore if you have debt, keep the total debt per month installment of no less than than 30% of your income, so that the remaining 70% can be used to meet household needs.

4. Credit cards more than cash
Credit cards often make us richer than the truth. Credit card limit to make us seem to have more cash. Though the credit card limit granted is not free. Once we use it we must return it, and if you can not afford to pay off then you will be charged interest. because it for everyday spending pay with cash or an ATM card or your debit card. Keep your credit card for emergencies, as a quick source of funds when a state emergency, but cash is not available.

5. Have a reserve fund
Sometimes though people already have a budget, still being broken. This is usually because there is not routine expenses or unexpected that are not in the budget. For example there are brothers borrow money, giving a birthday gift, wedding donations, and others. Usually to pay for this unforeseen expenditure we are forced to take deposits from savings or time deposit or a credit card. If this happens constantly as a result of your investment objectives could not be reached because the funds are always used. Therefore form a reserve fund a minimum of two or three times your family expenditure per month to pay for sudden expenses that are not routine. If your income is not regular or not stable then form a larger reserve fund. Before you invest for any financial purpose, make sure you’ve established this reserve funds first.