The key to controlling expenditure is monitoring your income and your expenses on a monthly basis. Expenses are to of two kinds, fixed and variable. Fixed expenses are ones which cannot be avoided like the phone bills, credit card bills or electricity bills. While you are budgeting, try to cut down the variable expenses. After the month is over analyze the difference between the budget that you have prepared and the amount you have actually spent. In the following month cut down the expenses that are damaging your budget plan.
I can't control my expenses as i go out with friends spent money there and some thing i don't have a single money in my pocket at the end of the month.
Are you single or married? If single then this is not a serious issue but if you are married then surely it has to be addressed.
1. Always go for outings only when you have planned all the things b4hand .
2.Make sure you list all the things b4 you buy.do not buy if you haven't included in your list.
3. try to prepare all the food items at your home only do not go for purchasing those at stores.
One good way to try to stop this type of behavior is to set aside money in a savings account. Put so much there as soon as you get paid and do not touch it. Why I suggest a savings is you would actually have to go in the bank and get the money out, as long as you do not apply for a debit card with the account.
After a few months of this you will see your money starting to add up and it may be even easier to save. SOmetimes when we over spend we say next time I will not do that and save a little. Then the process repeats. You have got to make that first start and take the right steps. Only you can save yourself.
you are single then make sure you try to arrange one party at your home and (I bet it will a good investment which you won't repent.) invite all your friends who have the similar problem as that of you.No saving attitude.I will send you a free video of 30 minutes where it is explained why it is necessary to save at an early age.
If you are interested then just PM me.Surely it will solve most of yours and your colleagues problems about money management. its available free so no need to worry.
I would say if you earn one dollar, spend 60 cents and save 40 cents for rainy day. This way if there is any emergency expenses, you need not rely on payday loans or fast cash loans.
If we have need than we spend money. It has main point to control expenditure. You should great your own account in bank. I think that we should become a simpal person . It help to control your expenditure. I suggest that we have to use simpal living.
The main thing is: You need to save - married or not married. If you are responsible towards yourself and towards others too, you will find ways to save money on your own. I'm sure you know about putting money aside in a savings account. If you know you are way too expensive and spend more than wanted, you also know that you need to STOP. No one can tell you how to save your own money except you. Nothing in this world comes for free, everything is hard earned. If you don't learn now, maybe you will if you fall in to a situation when you need the cash badly and don't have any then. But, I will sincerely hope that you don't have to wait till then and good sense will prevail :)
I think you should spend money for useful work. Unless you do not have need ,you do not spend money. Without need you must not spend money.
I suggest you that . If you control your expenditure,you make your monthly diagram . For Example Food.....Rs per month, travel...Rs per month, other expenditures.
You make your diagram than you control your expenditures.
Thank you!
I am going to tell about how to control our expenditures. I like your question Aneekalam. In our running life controlling expenditure is very important. We control expenditures in different ways.
I find out the main reason of expenditure. Some time we expend money without thinking, without planning. If you want to control expenditure, you have to do frugality. You should become economical person. Don’t mind, if you couldn’t do that. I have solution.
One day you write on the sheet how money you expend in year. Than according to you how many rupeese spend in year count and write down on page . Than divvied that money in different activity related to you your family. Like food, travel, others, education etc. Than you can control your expenditure.
Lastly I suggest you expend money with control.
I would like to suggest you that how to control expenditure.
Look I think when you have more saving, you live free. For that you
should control your expenditure.
I suggest you that without thinking. planning do not expend money
There are many way to control our expenditure. And this is good question. I have many way to control expenditure. If you keep the my ideas ,you will control your expenditure.
Look
First of all you collect all your needs. Than you sort that important and unimportant. Later you select most important . Than carefully expend money only for that.
Second one is if you have need,you can expend. But without need do not expend money. Always expend money with good planning, good thinking.
You should expend money with good think. If you have daughter or son , you tell him how important the money is! Give him good thought about money.
welcome
This question is very suficiant for our running life. Becouse there is very costly period every where. So we have to control our expenditure.
We have verious way to control our expenditure.
1 We have to list our expenditure then it will be sort in nesessery & unnasesser item. We can minimise unwanted expenditure.
I THINK IS IMPORTANT THAT YOU SHOULD NOT HAVE HIGH TASTE AND BE YThere are many way to control our expenditure. And this is good question. I have many way to control expenditure. If you keep the my ideas ,you will control your expenditure.
Look
First of all you collect all your needs. Than you sort that important and unimportant. Later you select most important . Than carefully expend money only for that.
Second one is if you have need,you can expend. But without need do not expend money. Always expend money with good planning, good thinking.
You should expend money with good think. If you have daughter or son , you tell him how important the money is! Give him good thought about money.OURSELF
One of the first step in controlling your expenditure is to get a buget in place.
Document all your incoem and expenditure for every month. Keep a spreadsheet with the expenses for the months
Once you do it for couple of months or weeks you cna see where you are sepndign and evaluate if any of the spending si unnecessary and cut on itmes which are really not required
See how it will help you to save money
If you know what you are spending on, then you will start thining about them and will have an idea on how to lower that expenditure
I've found out that a good way of controlling what I spend is to write everything down. It's hard at first, to keep track of every penny, but once you get the hang of it, you'll see exactly where your money is going. From there, you can figure out where you're spending too much and where you can cut back on costs.
You have to plan the expendature and save the money for future is the important thing.I will prefer you to check your expenses before going to bed. Check and plan your dailly expenses and monitor them.....
From this you can know your dailly and monthly expenses then you can catogirise the expenses which is must for you and the expenses you can avoid.
I agree with everyone here. Our problem is that with our 1 income household, the money we live on is overtime & commission checks. Regular salary checks allow for like $40 after bills are paid per month. Needless to say, WE HAVE to use our money wisely and make the overtime & commission checks drag out.
One of the biggest things I will say that has helped us is often overlooked. When I got laid off in april 2009, i had no choice but to cut back on expenses. I pretty much try to think about how we lived in our first apt when we started with nothing. I ALWAYS shopped at the dollar tree! When I was employed & we had extra money to throw around, I bought the expensive Toilet paper, paper towels, conditioner, soap, etc. NOW I shop exclusively at the dollar tree for everything besides most grocery items; unless the items arent at the dollar tree. Then, I look for the most affordable options. THE ONLY ITEMS that I pay more for are razors [we both have sensitive skin], deoderant, and our body sprays.
It may not seem like that big of a deal, but for the price of conditioner that I paid before: I can buy a bunch of necessities for our household.
This allows us to allocate those savings towards other things.
An idea that you can also try, you could neglect 1 party/outing a month & the money you would have spent put it aside. This will allow for some extra cash for savings. :) Passing up one outing/party isn't much.
This is right question. Because in running life there is number of deficultes occure in frant of us. Because of that we have need to control our thing that which is become difficultes in our future life.
You are right ANEEKALAM because expenditure is amain difficulty in our life.I can suggest you some basic wayes to control our expenditure.
First simple way that alwayes expend money in daily life important think. My this way definatly control your expenditure.
I find that all my expenses are higher in the winter time, with heating I try to budget through out the year but it seems like I never budget out enough, then the electric bill is always higher no matter what I do. I really do try to put money aside but something always comes up so I usually end up paying them a little late in the winter months. I am with an electric company that is going to set me up on a budget plan where I will pay the same amount all year long, then I won't have the issue next winter. I get cabin fever in the winter and tend to dwell on things also, so these bills drive me nuts when I can't get out. Maybe try to work something out with your electric company like I am going to so you don't have the higher bills in the winter.
I think that everyones utilities are higher in the winter time, you fingure you need the elctric to run the heat more in the winter than in the summer, you are wise to get on a budget plan and thank you for suggesting that to the forum. great idea.
im having a hard time trying to build a "nest egg" for emergencies. :( Those are what kill my budgeting success. Really, it all starts looking good and then, of course, something has to come along and mess it all up again. Back to square one. Falling right off the ladder. The only way to go then, is back up again.
Honestly, trying to pay off debt is hard. But we dug this hole so we have to scrap our way out lol. we are hoping to have all debt [minus mortgages] paid by 2013. I used a "debt snowball calculater" spreadsheet & it said it would all be paid off in sept. 2012. so im hoping so. i just wish i hadnt gotten into this mess to start with :|
I am having my personal income since 9 months. But till now I can't save even a single cent in my Pocket. I am always expensive on small things. And you know there is no count for small things.
What others have said in this post is true. You should first make a copy of your monthly income and expenses (any kind). Then you should make sure that you set aside a sum into a savings account. You shouldn't touch this account until in dire need. Last but not the least you will have to try to cut back on at least some of your expenses, mostly the variable ones.
However the most important thing is that no body can tell you exactly the way to save your money other than you yourself. Try to keep a track of all your expenditure, money saving will become easier.
Cut down your extra expenses which are not necessary it will help you to save the money for you and the others. I am doing the job since 9 months and still could not save a single dollar in my pocket. But I hope I can save it now.
I don't save a lot of money each month but I do save some. Most of my extra money goes towards paying off my mortgage early.But I figured all my bills up for the month and take a certain amount to live on each month and the rest goes to mortgage. Now for some reason if I have to take money out of savings I always pay it back. So I treat it like a loan even if it takes me six months to do so I pay it back. But of course that means less expense money for the month until it is paid back but if you borrowed it from someone else you would have to pay it back so why not pay yourself back.
warghade you really have shared the nice tips you have for controlling the expenditures. I will try to sort the list for the things I have to expend for, and then will check it out whether I can control my expenditures or not.
In addition to making a list of your expenditures you should also make a copy of your various incomes, monthly. Knowing, how much money you really have in hand also helps in controlling the expenditures.
I struggle with it too. I make a budget for bills and the day I get my check, I pay bills. that si my concern. I usually live off of $200 for two wks, thats for food gas and fun stuff basically. Going out with friends isnt as important, see if they will come to you, hang with you, or watch movies from redbox, they're $1.00 make food at home alot, try new recipes to impress them with. Shop resale or discount and sale. Only purchase when needed. Don't go just to pass the time. Find at home and neighborhood things to do. Pack your lunch rather then eat out, go for more walks and jogs and do at home work out rather then the gym.
There are a lot of ways to make sure you stick to your budgeting. Record all the purchases that you make for a month or two; review them and you might realize that some purchases need not have been made after all. Leave your credit card at home when you go shopping. Or ask a trusted friend or relative to keep it for you to keep your debt from growing further. And last but not the least, think twice before you spend.
Create a budget plan in accordance with your financial state and try to keep track of your expenses. When you keep tab of your expenses, you can manage to avoid splurging your hard earned money.
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How to control expenditure
Hi Aneekalam,
The key to controlling expenditure is monitoring your income and your expenses on a monthly basis. Expenses are to of two kinds, fixed and variable. Fixed expenses are ones which cannot be avoided like the phone bills, credit card bills or electricity bills. While you are budgeting, try to cut down the variable expenses. After the month is over analyze the difference between the budget that you have prepared and the amount you have actually spent. In the following month cut down the expenses that are damaging your budget plan.
Hi Racheal,
I can't control my expenses as i go out with friends spent money there and some thing i don't have a single money in my pocket at the end of the month.
Aneekalam,
Are you single or married? If single then this is not a serious issue but if you are married then surely it has to be addressed.
1. Always go for outings only when you have planned all the things b4hand .
2.Make sure you list all the things b4 you buy.do not buy if you haven't included in your list.
3. try to prepare all the food items at your home only do not go for purchasing those at stores.
these are some of the tips.
keep us informed.
:wink: :wink: :wink: [/code]
One good way to try to stop this type of behavior is to set aside money in a savings account. Put so much there as soon as you get paid and do not touch it. Why I suggest a savings is you would actually have to go in the bank and get the money out, as long as you do not apply for a debit card with the account.
After a few months of this you will see your money starting to add up and it may be even easier to save. SOmetimes when we over spend we say next time I will not do that and save a little. Then the process repeats. You have got to make that first start and take the right steps. Only you can save yourself.
Aneekalam ,
you are single then make sure you try to arrange one party at your home and (I bet it will a good investment which you won't repent.) invite all your friends who have the similar problem as that of you.No saving attitude.I will send you a free video of 30 minutes where it is explained why it is necessary to save at an early age.
If you are interested then just PM me.Surely it will solve most of yours and your colleagues problems about money management. its available free so no need to worry.
keep us informed.
Spend wisely
I would say if you earn one dollar, spend 60 cents and save 40 cents for rainy day. This way if there is any emergency expenses, you need not rely on payday loans or fast cash loans.
The best way to control expenditure is monitoring your income and your expenses on a monthly basis.
____________________________
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If we have need than we spend money. It has main point to control expenditure. You should great your own account in bank. I think that we should become a simpal person . It help to control your expenditure. I suggest that we have to use simpal living.
The main thing is: You need to save - married or not married. If you are responsible towards yourself and towards others too, you will find ways to save money on your own. I'm sure you know about putting money aside in a savings account. If you know you are way too expensive and spend more than wanted, you also know that you need to STOP. No one can tell you how to save your own money except you. Nothing in this world comes for free, everything is hard earned. If you don't learn now, maybe you will if you fall in to a situation when you need the cash badly and don't have any then. But, I will sincerely hope that you don't have to wait till then and good sense will prevail :)
I think you should spend money for useful work. Unless you do not have need ,you do not spend money. Without need you must not spend money.
I suggest you that . If you control your expenditure,you make your monthly diagram . For Example Food.....Rs per month, travel...Rs per month, other expenditures.
You make your diagram than you control your expenditures.
Thank you!
I am going to tell about how to control our expenditures. I like your question Aneekalam. In our running life controlling expenditure is very important. We control expenditures in different ways.
I find out the main reason of expenditure. Some time we expend money without thinking, without planning. If you want to control expenditure, you have to do frugality. You should become economical person. Don’t mind, if you couldn’t do that. I have solution.
One day you write on the sheet how money you expend in year. Than according to you how many rupeese spend in year count and write down on page . Than divvied that money in different activity related to you your family. Like food, travel, others, education etc. Than you can control your expenditure.
Lastly I suggest you expend money with control.
I would like to suggest you that how to control expenditure.
Look I think when you have more saving, you live free. For that you
should control your expenditure.
I suggest you that without thinking. planning do not expend money
There are many way to control our expenditure. And this is good question. I have many way to control expenditure. If you keep the my ideas ,you will control your expenditure.
Look
First of all you collect all your needs. Than you sort that important and unimportant. Later you select most important . Than carefully expend money only for that.
Second one is if you have need,you can expend. But without need do not expend money. Always expend money with good planning, good thinking.
You should expend money with good think. If you have daughter or son , you tell him how important the money is! Give him good thought about money.
welcome
This question is very suficiant for our running life. Becouse there is very costly period every where. So we have to control our expenditure.
We have verious way to control our expenditure.
1 We have to list our expenditure then it will be sort in nesessery & unnasesser item. We can minimise unwanted expenditure.
I THINK IS IMPORTANT THAT YOU SHOULD NOT HAVE HIGH TASTE AND BE YThere are many way to control our expenditure. And this is good question. I have many way to control expenditure. If you keep the my ideas ,you will control your expenditure.
Look
First of all you collect all your needs. Than you sort that important and unimportant. Later you select most important . Than carefully expend money only for that.
Second one is if you have need,you can expend. But without need do not expend money. Always expend money with good planning, good thinking.
You should expend money with good think. If you have daughter or son , you tell him how important the money is! Give him good thought about money.OURSELF
One of the first step in controlling your expenditure is to get a buget in place.
Document all your incoem and expenditure for every month. Keep a spreadsheet with the expenses for the months
Once you do it for couple of months or weeks you cna see where you are sepndign and evaluate if any of the spending si unnecessary and cut on itmes which are really not required
See how it will help you to save money
If you know what you are spending on, then you will start thining about them and will have an idea on how to lower that expenditure
Also look at your common expenses like
1. Gas ( CAR)
2. Gas ( Cooking and heating)
3. Electricity
4. Car and Home Insuarnce
5. Cable
6. Internet
7. Cell
Just a few common things and then call these companies and see if you can negotiate a better deal or swicth to someoen who cna offer you a better deal
I've found out that a good way of controlling what I spend is to write everything down. It's hard at first, to keep track of every penny, but once you get the hang of it, you'll see exactly where your money is going. From there, you can figure out where you're spending too much and where you can cut back on costs.
You have to plan the expendature and save the money for future is the important thing.I will prefer you to check your expenses before going to bed. Check and plan your dailly expenses and monitor them.....
From this you can know your dailly and monthly expenses then you can catogirise the expenses which is must for you and the expenses you can avoid.
This will help you to judge your finance.
This will definately help
I agree with everyone here. Our problem is that with our 1 income household, the money we live on is overtime & commission checks. Regular salary checks allow for like $40 after bills are paid per month. Needless to say, WE HAVE to use our money wisely and make the overtime & commission checks drag out.
One of the biggest things I will say that has helped us is often overlooked. When I got laid off in april 2009, i had no choice but to cut back on expenses. I pretty much try to think about how we lived in our first apt when we started with nothing. I ALWAYS shopped at the dollar tree! When I was employed & we had extra money to throw around, I bought the expensive Toilet paper, paper towels, conditioner, soap, etc. NOW I shop exclusively at the dollar tree for everything besides most grocery items; unless the items arent at the dollar tree. Then, I look for the most affordable options. THE ONLY ITEMS that I pay more for are razors [we both have sensitive skin], deoderant, and our body sprays.
It may not seem like that big of a deal, but for the price of conditioner that I paid before: I can buy a bunch of necessities for our household.
This allows us to allocate those savings towards other things.
An idea that you can also try, you could neglect 1 party/outing a month & the money you would have spent put it aside. This will allow for some extra cash for savings. :) Passing up one outing/party isn't much.
Aneekalam
This is right question. Because in running life there is number of deficultes occure in frant of us. Because of that we have need to control our thing that which is become difficultes in our future life.
You are right ANEEKALAM because expenditure is amain difficulty in our life.I can suggest you some basic wayes to control our expenditure.
First simple way that alwayes expend money in daily life important think. My this way definatly control your expenditure.
I find that all my expenses are higher in the winter time, with heating I try to budget through out the year but it seems like I never budget out enough, then the electric bill is always higher no matter what I do. I really do try to put money aside but something always comes up so I usually end up paying them a little late in the winter months. I am with an electric company that is going to set me up on a budget plan where I will pay the same amount all year long, then I won't have the issue next winter. I get cabin fever in the winter and tend to dwell on things also, so these bills drive me nuts when I can't get out. Maybe try to work something out with your electric company like I am going to so you don't have the higher bills in the winter.
I think that everyones utilities are higher in the winter time, you fingure you need the elctric to run the heat more in the winter than in the summer, you are wise to get on a budget plan and thank you for suggesting that to the forum. great idea.
im having a hard time trying to build a "nest egg" for emergencies. :( Those are what kill my budgeting success. Really, it all starts looking good and then, of course, something has to come along and mess it all up again. Back to square one. Falling right off the ladder. The only way to go then, is back up again.
Honestly, trying to pay off debt is hard. But we dug this hole so we have to scrap our way out lol. we are hoping to have all debt [minus mortgages] paid by 2013. I used a "debt snowball calculater" spreadsheet & it said it would all be paid off in sept. 2012. so im hoping so. i just wish i hadnt gotten into this mess to start with :|
I am having my personal income since 9 months. But till now I can't save even a single cent in my Pocket. I am always expensive on small things. And you know there is no count for small things.
control expenditure
Hi homerefinance,
What others have said in this post is true. You should first make a copy of your monthly income and expenses (any kind). Then you should make sure that you set aside a sum into a savings account. You shouldn't touch this account until in dire need. Last but not the least you will have to try to cut back on at least some of your expenses, mostly the variable ones.
However the most important thing is that no body can tell you exactly the way to save your money other than you yourself. Try to keep a track of all your expenditure, money saving will become easier.
Thanks.
Cut down your extra expenses which are not necessary it will help you to save the money for you and the others. I am doing the job since 9 months and still could not save a single dollar in my pocket. But I hope I can save it now.
I don't save a lot of money each month but I do save some. Most of my extra money goes towards paying off my mortgage early.But I figured all my bills up for the month and take a certain amount to live on each month and the rest goes to mortgage. Now for some reason if I have to take money out of savings I always pay it back. So I treat it like a loan even if it takes me six months to do so I pay it back. But of course that means less expense money for the month until it is paid back but if you borrowed it from someone else you would have to pay it back so why not pay yourself back.
warghade you really have shared the nice tips you have for controlling the expenditures. I will try to sort the list for the things I have to expend for, and then will check it out whether I can control my expenditures or not.
controlling expenditures
Hi homerfinance,
In addition to making a list of your expenditures you should also make a copy of your various incomes, monthly. Knowing, how much money you really have in hand also helps in controlling the expenditures.
watching your money
I struggle with it too. I make a budget for bills and the day I get my check, I pay bills. that si my concern. I usually live off of $200 for two wks, thats for food gas and fun stuff basically. Going out with friends isnt as important, see if they will come to you, hang with you, or watch movies from redbox, they're $1.00 make food at home alot, try new recipes to impress them with. Shop resale or discount and sale. Only purchase when needed. Don't go just to pass the time. Find at home and neighborhood things to do. Pack your lunch rather then eat out, go for more walks and jogs and do at home work out rather then the gym.
Re: Budgeting your expenditures
There are a lot of ways to make sure you stick to your budgeting. Record all the purchases that you make for a month or two; review them and you might realize that some purchases need not have been made after all. Leave your credit card at home when you go shopping. Or ask a trusted friend or relative to keep it for you to keep your debt from growing further. And last but not the least, think twice before you spend.
Hope this will make some sense.
how to control our expenses
I am married with tree children and I have good salary
but I spent a lot monthly
Create a budget plan in accordance with your financial state and try to keep track of your expenses. When you keep tab of your expenses, you can manage to avoid splurging your hard earned money.
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