We all work hard to make a living. Some even get into paid extended hours and some gets side jobs to earn more. Our income is a vital factor for our daily living. It is our source of everyday expenses and a maintenance of our lifestyle. We may be doing different jobs and earning different rates, but we all share a common ground. It is the struggle of stretching our salary up to the next date of pay-out.
Well, for some, it is really challenging especially when the cycle of the lifestyle you have been used to is hard to cut already. If you are really serious and one of your goals involve stretching your salary, I have a good news for you. I will be sharing some of the few tips I practice which I also learned from some of my colleagues to fit my salary in a given period.
On top of your list is your lifestyle. It is simply defined as the way a person lives. As employees, our lifestyle mostly revolves around our homes and workplaces. The way you do your daily living from home to work and vice-versa is a crucial factor. It has an impact on your budget as an employee. If you are that type who likes eating outside and buying beverages and coffee, better control it. There are best ways and best dates to treat yourself.
As of the moment where your budget is still tight, get into bringing of lunch and a tumbler for home-made beverages like coffee. Aside from food expenses, you may also check your transportation expenses and see where you can cut off and save. It is a great start to save and you will notice the change in your cash flow sooner.
The next thing we will talk about is the shopping mannerism. There is this quote that says “Never go shopping when you are hungry”. It is a friendly reminder to consider that whenever you go out in groceries, make sure that you are not starving. You might end up buying things you want as of the moment and will not be needed later.
Always stick to your regular shopping list. It will keep track of your cash flow and your budget will not be ruined. Believe me, when your budget list start to get messy, adjustment will just cause additional burden in your part.
Know when to be a guy and when to be a lady. No gender war intention with that statement. It only means to say that be aware of your daily expenses. Your expenses cover everything that you purchase. A lady type usually buys more fancier things. There is nothing wrong with that, after all it is a way of rewarding yourself. However, a guy type of you is more practical and minimal. Those are the qualities you have to practice in times of salary budgeting. Go with less and save. Sooner or later, when you already have enough savings to treat yourself, then go and be a lady.
It is always a matter of behavior and attitude that directs our decisions. Nothing will go wrong as long as you have a purpose and you know why you are doing it.