segunda-feira, 25 de maio de 2009
My spending habits
I am usually very careful with my expenses, for before getting paid I am already doing the calculation of all I am supposed to pay in a month. After calculating all my monthly expenses I see what I have left, and then I also try to predict how much money I am going to spend on a certain month. Some people might ask: "How is it possible?" Well, you just need to consider if in a particular month there will be some bills related to something like buying birthday gifts for relatives, or if you will need to travel to spend a weekend in a place on leisure or business. Anyway, I consider myself the kind of person who doesn't like to spend too much money on things that are not useful or things that are not going to be necessary for me, but once in a while it feels really good to treat myself with something nice, just to make sure that my money is not just for paying bills, but also to do whatever I want and whenever I want too.
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I think we have to plan our monthly expenses, it's so necessary to do a budget every month, someone that do this certainly won't spend beyond his means.
ResponderExcluirEvery month I divide my salary with my expenses, at first I pay the main bills as the energy bill, the school fee. and after that I can see how much money I can spend with my extra expenses.I think I until can control my money, but I know I have to control my credit yet, I need to do a budget monthly and annual, this a good thing because we will be prepared for the expenses that we will have during the year.
In all I do, I try to keep up one equilibrium. In spend money isn't diferent.I think that I'm a spendthrift and frugal because I try spend money carelessly, especially when I doesn't have a lot of it,I'm student yet. So, I need my mother for give me money.I spend my money with things necessary.
ResponderExcluirFor me, is a little difficult deal with my money because I try to control my expenses, but I can’t. I just like to buy something when I really need, but is incredible, always appears something that I want buy!!! Then, I stay nervous with that! I can say that my relationship with my money is very much suffered, because when I have money, I have afraid to spend a lot and, when I haven’t it, I stay sad because wanted have saved some money.
ResponderExcluirThere something that make me spend a lot money: food. Yes, I love eat and I don’t know why I’m not fat! RS! So, I don’t resist chocolates, ice cream, cakes…but I know I need control me and spend less money! But when I’ll get that?! Only God knows!!! RS!
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ResponderExcluirI used to be a Big expender, but I changed My expending habits...I learned to have control with my accounts, because before when I saw something beautiful, for me the price was less important. Come the moment that I could not more to pay the bills..and I thought..Oh my God, this way I will drown in debts! I have to save my money..and stop to buy bullshits that are not useful.Lately I obtained control in my debts and I broked my credit cards!That was the better thing that I did in my life. there are somethings that I consider important to spend money, for example with the leisure, entertainment, the life is so hard, if the money can buy a moment of happiness , let's go!! I'm not economical in this case! hahhahhaha
ResponderExcluirI made a self-test about my spending habits and I discovered I'm a thrifty person. I got surprised because I used to think that I'm a big spender.
ResponderExcluirThinking better, I've never lost track or spent more than I earn. When I want to buy something I try to cut back on other expenses until I've saved the money.
I confess saving money it's not that easy. I'm still learning how to do it. Anyway, I'll got the lesson one of this days, but at least I'm not a big spender. :)
This color is terrible to read! Please, teacher, take it!
ResponderExcluirI am a trainee and for that reason I don’t have so much money. When I gain my money, I pay my accounts immediately. Beside this, I separate the money that I will need to my basic necessities, like: bus, lunch, food and others. I never get to finish the month with money. My luck is my mother and my boyfriend, because I am dependent of them when my money over. But I don’t like this situation.
ResponderExcluirBut when I need to save money to anything, I avoid going out with a large quantity, because if I see a beautiful thing I will want to buy it. In this moment I think: “And if I to die tomorrow?”, this thought is a good purpose to spend my money. However, I don’t spend money easily. I think in my future and how I can help my mother with accounts.
Well, actually I prefer use my credit cards for shopping because is practical using plastic money. But I have to control the expenses. When I receive the bill, I always pay in full because if you pay a part, you’ll pay a lot of interest, and it will become very expensive or not payable. Since I was a teen ager, I used to save a part of my money, even when I got allowance from my mother. Whatever the amount received, including now a days, I ever save a part in a saving account. When I have money in cash, I always get more discounts and I pay less for the same product. To fill in gas in my car, I always make a price consulting, mapping all gas station prices for where I pass, and choosing the lowest, looking for and keeping the quality.
ResponderExcluirI think I manage my money properly. I search price before to buy and I usually don´t spend on things futile. Never paid late a bill of credit card, much less the minimum (this is a danger!) Furthermore, I have a savings to ensure future investment.
ResponderExcluirActually i try make a control of my spends. Every money with i receive, i make a note in my notebook. I try put my accounts in a envelope. I´m surprise with the results. Much more control with money. I try make a control with my credit cards, trying use a specific value every month. I put to in my credit card one limit very low, just for i dont loose control in the future! See you friends!
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ResponderExcluirBeaver says I also have such interest, you can read my profile here: spending habits