HOW TO CONTROL YOUR SPENDING HABIT 1

lagi artikel berkaitan nasihat berbelanja.kadang-kadang diamalkan juga.tapi kadang2 spending spree juga.. terbaca satu quote' kita akan lebih lega jika mempunyai simpanan kecemasan untuk 6bulan.. renung-renungkanlah'

“To Spend or Not to Spend…... that’s The Question!”

How many times have this question crossed our minds? Almost every time when we take money out of pockets, right? Have a day passed by without us having spent a single cent? Unlikely! The question is not whether to spend or not but rather, How Do We Control Our Spending Habits. Below are some smart spending habits to adopt in order to be financially healthy.

Spend According to Budget

There is a Malay proverb that says “ukur baju di badan sendiri” that we should measure our clothes on our own shoulders. This is the equivalent of saying that we should spend according to our budget. We have already covered the topic on Budgeting in our previous article and to reiterate it: Budgeting is really a plan for us to spend without feeling guilty about it later. What is important here is that we need to have a “Spending Plan” in the first place. Without it, we would most likely be spending on impulse or what is commonly known as Impulse Buying. We can’t avoid impulse buying totally and it’s not wrong. There would be times when we just can’t resist that aroma flowing from that cup of Cappuccino or that pair of shoes or handbag which is on sale! However, when it becomes the norm rather than the exception, we have to be wary of our spending habit.

In preparing your Spending Plan, you should also learn to anticipate your needs. For example, if we are going to get ourselves new clothes for the coming festive season, get it earlier during the Mega Sale or whenever a good bargain comes our way (for example, during a warehouse sale or closing down sale). If we were to buy an umbrella each time it starts raining, we not only end up with too many umbrellas but may have to pay a premium for it. It is also advisable to budget for unexpected expenses like wedding angpows, car repairs, home repairs etc. These items, if not provided for, may throw us off-budget!

~artikel ni from akpk kot.. xberapa ingatla..