Do you have to immediately pay off your debts are piling up and reduce your monthly expenses? Cutting spending is usually very uncomfortable, for example: save the use of gasoline and electricity. But if you have been doing simple methods, and still require expenditure savings, here are some lists that can help you. However, as I mentioned, the following methods may be very uncomfortable.
1. Stay a while with your parents (relative)
Yup, you might be a little uncomfortable to live with your parents, but it is still not much if you have to pay rent up to 2 million a month. Living alone may make you very free, but it must be paid also the price is not cheap. Rental fee that you normally spend each month, you can use to repay the tube or your debts are piling up. This also applies for those of you who are married. You can live temporarily with parents / in-laws you, until you are quite able to rent or menyicil home. But again, this first point is relative. If you absolutely must not live with parents / in-laws, you do not need to impose. You only need to trim other expenses such as I describe in the next points.
2. Cycling to work
The cost of transport to and from work including one post that you can trim. We may feel that the cost of transport including integral part of our expenditure. However, if the distance of your workplace is less than 10km, why do not you try using a bicycle. It would be very uncomfortable when it's raining, but cycling has several advantages: very low cost and no tax to be paid. Cycling also make us keep fit without having to spend money to go to the gym. In some cities you can find that biking to work will be faster than by car or public transportation.
3. Stop drinking alcohol / coffee
Stop drinking alcohol / coffee is not just good for your mental and physical health, but also good for your finances. Many people spend quite a lot of money just to drink it without them knowing it. I used to consume more coffee, but after my gastric disorder I finally started cutting back. Currently I consume in a week at most 2 cups of coffee. If you can not stop, at least subtract. One time you will be surprised with the development of good physical health, mental and your finances.
4. Cooking alone
Buying food outside is the most fast and easy to get food. However, costs can also quickly swell. Although not every day you buy, let's say 4 times a week with prices such as Rp 30,000, - per one-time purchase. In 1 month you will be issued a fee of Rp.480.000, - .... koq ya so like learning mathematics? ... After all the cooking itself will be much cleaner and healthier than you buy food outside.
5. Close your credit card.
Credit cards make spending easier. Well that's what credit cards there. With credit card, you will not think not having the money for 1 month ahead. Indeed, if you are already accustomed to living with credit card, you will be a little uncomfortable when not using it. But it will make a big difference in saving your money.
6. Do not buy a TV
Well, like I could die standing if life without TV, but you know the TV can save you spending millions, tens and even hundreds of millions a year? Ah, how could so much? Okay, this is my little analysis: - How much electricity you have to pay each month? (This is still quite small) - If there is a cable TV subscription, how much should you pay each month? - It's the most cut your expenses without your realizing it: how much do you spend each month to buy goods because of the influence of TV advertising? For example: my time was never accidentally see a new menu Pizza Hut ad on TV. Finally I went with my family to taste and even addicted to the menu. Repot become.
7. Sell your car
The car is a symbol of freedom, independence and ... .. status. But cars are also classified as a spender of money. Not just gasoline, but also insurance, taxes and of course the cost of treatment, which sometimes can spend 5 to 10 million if it were damaged. There still may be life without owning a car: Try riding your friends, public transport or as I mentioned above, cycling.
8. Tamballah your clothes
Compared to you buy new clothes, why would you not try to repair the old clothes first.
9. Try to challenge USD. 25.000, - per day
Can you survive only with a 25.000, - per day? This idea may sound very uncomfortable. However, try for at least 1 week. This will teach you to live frugally. By getting hold little money, you will discover what is important to buy and what not.
10. Vacation in your backyard
My purpose is not really the back garden, but why would you spend Rp.20 million for a stroll outside the country while in Indonesia were still many places where exotic vacation as you've never visited and you can still enjoy. With the holiday in their own country, not only you can save money but also you can avoid diseases destination countries, such as swine flu or the like.
Okay dear readers, if there are my suggestions that seemed unreasonable or if any of you who consider too extreme, I hope 'swallow it'. You do not have to do everything, you can choose some or any of the above suggestions, or even if you do not have a problem with finances, you do not need to do it. The ten points above the only way how you can save on your expenditure. If you have any other way and wanted to share with other readers, please comment in the comments.
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