Oct 2, 2010 Finance
The financial crisis right now should be responded positively. Make this crisis as a signal that you should begin to live frugally and save more, to reach financial freedom when the crisis happen to you.
However, when you mean to cut your expenses, do not let the savings that you do go too far. You should make smart financial arrangements, but you still take the advantage. There is a difference between frugal and stingy .Wanna know the example?
frugal: Buying goods needed during sale
stingy: Only buy goods at sale
Looking for discounted goods could be a smart way to meet the needs of everyday goods, clothing, and basically any other stuff you need to get with a budget. In hypermarkets, for example, you can buy food ingredients on the list promo.
This method becomes tricky when you refuse to buy goods that are not discounted. This can encourage you to purchase the goods may be cheaper, though in fact you do not need it, then you will spend more than you need. Value of goods are often not in accordance with the money you spend.
frugal: Give tip if the service is worth
stingy: Tip is a far, far strange word
Some service providers are often paid employees with lower salaries. Therefore, employees expect tips from its customers. If you do not get decent service, it is okay if you are reluctant to leave a tip. But, if you never give a tip even though you receive a satisfactory service, ask yourself why. Is it because you think the waiter or hairdresser already receive enough salary, or just because you do not want to lose money?
frugal: take some money for savings
stingy: save all salary, and never have fun
There are principled people who save as much as possible while young. The goal, for example, in order to buy a house and retire young to spend more time with family. Or, travel and pursue your other dreams. This principle is certainly enviable. However, if you refuse to pay the costs of the reunion because you do not intend to enjoy the cuisine, or never want to give donations to friends who are affected by the disaster, try to check back on yourself: for what you save. As human beings who must live socializing, there’s nothing wrong you also set aside a little money to enjoy life.
In short words, if you cut your budget out loud so you feel that you can not meet your needs, that’s the signs that you are stingy and irresponsible. Managing budget and saving should be measurable, so you can remain enjoy a decent living, and achieve desired financial objectives.
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Tags: Budget, Cuisine, Decent Service, Dreams, Everyday Goods, Family Travel, Financial Crisis, Financial Freedom, Food Ingredients, Hairdresser, Hypermarkets, Money Savings, Principle, Salaries, Salary, Satisfactory Service, Service Providers, Strange Word, Time With Family, Waiter