Begin to organize your life with a tight, immediately change your lifestyle, work harder and do more selfish.
In today's money has a very important role for human life, like a double-edged sword with money one can prevail, and with the money anyway someone can slumped.
Almost nothing is impossible to do by the money to bring happiness in one's life, but it should be understood that the money is not the only source for the creation of happiness in this life.
For those who are wise, there are many sources that can bring happiness in life, and one of the many sources of these, which is still associated with money is not owed. Debt is the source of unhappiness and the roots of the catastrophe. Therefore, if you want happiness always be present in every aspect of your life, you begin to instill in each of now that you will do the following things that do not owe, including:
1. Not luxurious lifestyles
Live modestly and gratefully according to your income, avoid luxurious lifestyles, so you are not tempted to spend all your income just to follow your wishes.
2. Stop buying goods that are not needed
Buy and meet the needs of household appliances and personal needs that really you need and frequently used, avoid buying things that are not important that if only will fulfill your cupboard or garage.
3. Be wise in the use of credit card
Remember, the funds in the credit card does not belong to you, therefore, to use credit cards wisely, pay your credit card bills are always on time, and if possible better immediately close your credit card.
4. Do not buy when you can rent
Avoid buying something expensive that in fact you can only use once in a lifetime. In some cases such as a wedding dress, as much as possible not to buy when you can rent it, because it will save your finances.
5. Do not get prestige
Be yourself do not easily prestige, not to just because you want to be respected by your friend always trying to please them with a treat or follow their wishes, so you terpaska do everything possible, including debt.
6. Make a plan budget
Always make a budget plan so that you can always keep an eye on your financial expenses and avoid the expenses that are not necessary.
7. Choosing a partner who is able to support you to be frugal with means
Your spouse is a partner that will help you in organizing and supporting you in managing finances, therefore, find the pair that can support you to get life-saving is not the shopping-oriented.
8. Buy the appropriate clothing and comfortable to use instead of the branded
There is no point to obey a sense of pride to get compliments from others, do not wear expensive clothes are branded when edges are forcing you to go into debt. Buy decent clothes and comfortable to wear, do not need to be branded and expensive, because others appreciate you not see the brand of clothes you wear but how you appreciate and treat and care for your body.
9. Take care of your health
Because pain is expensive, then avoid the unhealthy lifestyle that can harm yourself. Deliver yourself from munuman alcohol, cigarettes, drugs, and so on, so that you always have always maintained health and your finances safe and can be used for other kerpeluan more useful.
10. Participate in the insurance
Insure yourself, can old age insurance, car insurance, health insurance, education insurance, and so on.
11. Familiarize yourself saving
Familiarize yourself to save money ahead of time because the savings you will be very useful in helping to meet your needs in the future so you do not need to have to get into debt.
12. Purchase in cash rather than credit
If you have sufficient funds avoid buying anything on credit, but when your funds are insufficient, before deciding to loan make sure that you have the ability to pay off your loan on time.
13. Do not Owe again
If at this time you have been freed from debt, so now focus on yourself for no longer owe nothing happens. Begin to organize your life with a tight, immediately change your lifestyle, work harder and do more selfish.
