Every Year we will Plan to save money ,but we are only planning not in fallowing this year We will take a decision and bind to this decision.
At the time of my Marriage my dad was very
worried about the expenses of marriage ,he was so struggled and think that nobody will help us, at that time my mom brought a box and opened in front of my dad and we all are embarrassing about that and shocked my mummy says to my dad take my dear husband this is also yours money ,count this box of money exactly 1,50,000 rupees .My dad was very happy and he need not go any where for debt he was very thankful to his loving wife and very happy to having a Wise Wife to him .My marriage was done very Grand with out any debt .So my mummy did a real better half to my dad. So I have to learn from my mummy saving tips then I will be a real loving wife to my hubby.
worried about the expenses of marriage ,he was so struggled and think that nobody will help us, at that time my mom brought a box and opened in front of my dad and we all are embarrassing about that and shocked my mummy says to my dad take my dear husband this is also yours money ,count this box of money exactly 1,50,000 rupees .My dad was very happy and he need not go any where for debt he was very thankful to his loving wife and very happy to having a Wise Wife to him .My marriage was done very Grand with out any debt .So my mummy did a real better half to my dad. So I have to learn from my mummy saving tips then I will be a real loving wife to my hubby.
DIVIDE YOUR MONEY OR SALARY FOR DIFFERENT SECTIONS.
1.EDUCATION
2.GROCERY.
3.CLOTHING
4.VEGETABLES &NON VEG
5.PAYING RENT AND BILLS
6.TOURS
7.HEALTH
8.BANK DEPOSITS
9.CHARITIES
10.FUELS LIKE PETROL
11.RECHARGES OF CELL PHONES AND CABLE
12. RELATIVES AND FRIENDS
13.FIXED DEPOSITS.
14 GOLD&SILVER
15 BUYING A NEW CAR OR BIKE.
16.BUILT A NEW HOUSE
17.FOR GOLD SCHEMES
After sectioning the salary for monthly or yearly keep the Amount for their basket’s .Don’t mix with other section .
READ AND FALLOW THE MOST VALUABLE SAVING TIPS FROM MY DEAR MOM-----------
SAVINGS ON CLOTHING.
1.All are spending unnecessary amounts in this sections only especially women. So bind to these tips and fallow you will save an un believable dollars.
2.Keep some money for clothing depending up on for your salary and family members.
3.Shop once in a year for essentials like bed sheets, Towels ,carpets ,Napkins ,Door mats, ect.
4.Go for discount sales ,Bye best cloths for 20%,30%,40%,50% t.
5.Bye only on occasions like big festivals and Birth day’s ,and Marriage days. Only in our clothing Budget But not Exceed from this.
6 . Ca usual were and Office were will only bye only once in six months or 1 Year. Don’t attract with Others.
7.When ever our friends and relatives come to our house Hon our them with Dress by friends &relatives section money.
8.Keep Seasonal dresses like rain coat ,sweaters ,mufflers ,blankets, rug’s, keep safe in a special bag ,that’s will avoid repeated purchasing of these seasonal dresses.
SAVINGS ON GROCERY
1.First of all list out what we are using compulsory on home, what we are wasting the items like packets and biscuits ect.
2.make a list of monthly Grocery and count that ,how many shampoos and soaps and surf packets ,tooth pastes are using so next month we can easily calculate to purchase the number of grocery items.
3.Don’t bye what ever you see in super market s ,only bind to what ever we want.
4.See the instructions backside and calculate the energy chart and fats labeling and only bye low fat food and observe expire date.
5.After purchasing from the market arrange all the items in their special containers, so they will not damage by insects.
6. Purchase only limited quantities of flours and soaps and lotions ,oils packets and tea or coffee powders .
7.Plan your travel and holidays purchase less quantities in that time.
8.Before going to markets check out all kitchen racks if any other items are left behind in that boxes.
9.List out weekly vegetables and non –veg materials. Purchase fresh vegetables and fruits .Go for a morning walk and bye fresh veggies with market rates.
10.Bring Rice and Attaa for monthly .
11.During holidays relatives and friends will come ,wisely list out all the spending until they went back to their towns and calculate all the spending and try to adjust theses extra spending on next 2 or 3 months.
12.If children are having very difficult to manage and meet our Goals so take care of our Budget and only purchase what are really needed for hour children, calculate the no .of Bottles and Boxes and go for next month shopping wisely.
SAVINGS FROM HEALTH
ALL ARE FAMILIAR WITH THE PROVERB HEALTH IS WEALTH
FIRST OF ALL IGNORE DOCTOR BILL BY THIS WE CAN SAVE A LOT OF MONEY IN ANNAM ,TO AVOID THE DOCTOR FEE WE WILL FALLOW THESE THINGS.
READ AND FOLLOW.
1.Prepare our own Brake fast and lunch and dinner in home and eat healthy.
2.Eat time to time and don’t skip the break fast and lunch ,you can skip dinner or have light drink or fruits.
3.Eat only limited food and fresh food to avoid getting diseases.
4.Eat more quantity for Brake fast and decrease less quantity for lunch and eat very less quantity for dinner.
5.Instead of eating non-veg ,junk food and oily and baked food eat fresh fruits.
6.Make regular snacks in homes .Do regular exercises and yoga meditation and go for at least 20 mins walk daily.
7.Eat non veg twice a month .
8.If your children are school or college going filled their bags with home lunch and snacks and Brake fast.
9.To avoid dentist charge brush our teeth twice daily. And make a habit of children to brush twice a day.
10.Don’t leave your stomach empty take at least juices or buttermilk.
11.Drink 12 glasses of water daily ,to avoid weight gain and many other problems.
12.Take 3 hours intervals in between food intake.
13.Skip packaged pickles and foods these contains large amounts of salt and oils they will increase the Blood Pressure.
SAVINGS ON EDUCATION.
Don’t attracts private school Adds .Know that our Government also gives excellent Education freely for our children .If our children are intelligent they will get scholarships also ,don’t forget our national leaders and old officers ,Ministers are having the back ground of Government schools. Don’t encourage them by hating ,explain the content in that lesson. Don’t send them tut ions mother can teach their children.
SAVE FOR GOLD
Keep some money for gold saving ,because the gold will help you a lot when ever in need, Join Gold saving schemes and pay monthly and after the completion of target bye what will the cost .And try to make a habit of Bye ing of Gold every year at least 10 grms.
SAVINGS ON OTHER THINGS
1.Save Electricity bill .while we are not there in our house check out all the lights and fans .
2.Pull off all the plugs which are not in use. Use LED bulbs and Fluorescent bulbs instead of normal Bulbs.
3.Pay the bills in time to avoid penalties .
4.Do not use credit cards only pay by cash that will shows how much we will spend on that day.
5.Pay all the rent and EMI and Water bills in time
NOW START & DROPS DOLLARS IN YOUR KIDDY BANKS
1.If you had saved some amount on clothing ,don’t use this for another section ,keep separately and deposit in bank as small as the amount will be.
2.Only open a Government bank deposits Don’t attract with Private bank Announcements .
3.In your daily purchases like vegetables ,coins will left over ,these coins will be dropped in small Kidd y banks ,make a habit of children to fill ups the Kidd y banks. Don’t open the Kidd y banks until they were completely filled .
Past is past ,today it self take a decision to open a savings account .
5.Make a decision to deposit some amount at least 10,000$ or 5000 $ on your Marriage days and Birth days, try to increase the amount to be deposit for next anniversary or next year.
6.Go for fix deposits for new born child and don’t draw the amount till they become young .
7.Open a PPF account and save10 % of your salary for every month or make a target of yearly amount ,it will avoids the Tax payment also.
8.Try to do both the Partners will go for a job ,or at lest Do some home business .
9.Sell all the unwanted toys and materials and furniture ect.
10.Sell old news paper s and books and magazines .
11. Don't bye any excess cell phones or furniture or t.v. or electronic materials .If you are planning to bye a new car or cell bye the old car ,it will gives some money.
12.Plan to bye a small house ,to avoid monthly rent payment ,may be the EMI of house loan will be lesser than the total rent of home.
13.Activate only limited amount of channels and which you are watching only avoid horror and adult channels in children home.
14.Plan the internet charge and Try to bind to your target charge.
15.Travel less and stay in home in holidays and stay healthy.
16.Make a habit of paying 1 % of annual income to charities and orphanages.
17.Ignore all unnecessary comments of your neighbors.
18.Don’t go for debt and don’t take money for any interest.
19.Learn make ups tips and home facials and do at your home with out going to beautiful.
20. Don’t send our children to tut ions and make them self learning and studying.
21.Learn stitching process and learn from internet and stitch your self .
BEING A MIDDLE CLASS HOUSE WIFE I WAS TOLD ALL THESE THINGS ,AND LEARN FROM MY MOM AND READ AND FALLOW .YOU WILL BE ALSO A SUCCESSFUL WIFE &SUCCESSFUL MOTHER TO YOUR CHILDREN.BIND TO YOUR POLICIES AND TARGETS DON’T LOOSE CONFIDENCE.ALL THE BEST.
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