Buy spot
The first tips is to always buy in cash, never credit a few exceptions such as when you want to buy our house or invest.

Buy credit not only enormously expensive product to permeate our personal finances, but ultimately can bring big financial problems are unable to repay debts.

We must acquire the habit of buying after getting the money, not buy and then get it, if we can not buy something simply should not buy it.

Always look for a better deal
Another tips is to get into the habit of looking and always ask for a better deal, whether a better price, discount, better benefits or better condition.

Should not be afraid, be shy or feel least ask for a better deal as difficult as it may seem that we take heed, do not lose anything by trying.

For example, do not hesitate to ask for a lower home price, a discount department store, a better interest rate, a reduction of our debt, etc.

Pay yourself first
Pay yourself first means to allocate a portion of our revenue from our pocket money savings before making any payment, the more urgent it is or even when it seems that then we could not meet him.

For example, if saving for our stock we have determined that we spend each month on 15% of our revenues, we must always comply with this payment, before paying any service tax or debt.

The pay yourself first allows us to acquire the discipline to save, and also forces us to strive for more money to deal with suppliers, government or creditors.

Automate payments
To pay us to ourselves and not be tempted to use the money before a board is to automate the payment, namely, to ensure that this payment is made automatically without us having to worry about it.

To do this, we can ask your employer to deposit part of our salary to our stock savings bank, or ask the bank each month take a percentage of money from another account that we have and it is intended to save our stock .

They can also use automatic payments for other payments, for example, to pay the mortgage, services, investments, etc., And thus achieve more efficient management of our money without worrying about it.

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