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NO WORRIES !! SAVE MONEY INSTANTLY WITH THESE 10 TIPS !!

Saving money is one of those tasks that’s so much easier said than done- everyone knows its profitable to save money in the long run but in reality its tough.

But instead of HARD WORK, all they have to do is SMART WORK. Because hard work pays off good but smart work pays you better.

STEP I :-
Set realistic goals

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keep your expenses in check and make slow, good and wise decisions on where to invest money.

STEP II :-
Avoid creating and storing extra debts.
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Sometimes loans are unavoidable- like education, house or car loans. They charge a lot of interest . So all you have to do is pay as big of a down payment as possible so that the interest rates go down or is diminished.

STEP III :-
Known goals are easier.

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Saving money becomes easier if you have in mind what you are are saving for. Long term stuffs need need a lot of time. But if we make small goals in small intervals then it is easy to save.

STEP IV :-
Always keep a budget.
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You can stay committed to your savings if you make a systematic savings chart or plan. And you could check it regularly to keep in track with your savings.

STEP V :-
Record your expenses somewhere
.

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Keeping a tight budget is a must for anyone looking forward to save money. And writing down the expenditures on a daily basis can work wonders.

STEP VI :-
Cutting down extras.

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You need to ask yourselves what you need and not what you want . Eliminating luxury expenses is a great first step to improve your financial situation.

STEP VII :-
Reduce flexible daily charges.

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There are some rigid / permanent expenses which are compulsory like rent , insurance etc.

But one can always save on flexible expenses like food and clothing. Putting a limit over them can help at times.

You can even save by switching off tv and lights on time. This can help save energy asa well as your bill.

STEP VIII :-
Spending money intelligently and avoid expensive addictions.

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You should always analyze a cheaper way to spend money. and always find cheaper alternatives for your stuffs.

and addictions like drinking and smoking should be avoided because this usually leads to a mass expenditure. and this field of expense is difficult to stop but not impossible.

STEP IX :-
Emergency savings.

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Always keep money aside in the beginning of the month for emergency. We can never predict our future. There can be any possible need of money so a  different fund should be saved with extra money.

STEP X :-
Always pay your debts ASAP.

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Always say no to your favorites.