Inside every girl, lives a Shopoholic Diva (Just like ME!! *wink* ) who loves to spend money on buying clothes, accessories, makeup, footwear etc etc. But today’s girls should be penny smart!!! You should be smart enough to judge where to spend money and where not? After all, its your money, and saving it can bring wonders to your life… If today, you save 500 bucks, then tomorrow you may spend it on something more cooleo!!!
Agree with me?? then read on some tips to become penny smart and live a smarter life:
1- Prioritize things!!! You should draw a clear line between necessary expenses, comforts & Luxuries.
2- Always have a reserve balance with you. you may not know when expenses may lead to break your budget off, so just keep say 5% of your monthly budget to deal with the unpredictable.
3- List all your expenses including your bills, charity, tax, funds, and even keep some budget for shopping though you may not have planned to shop out for anything, still keep some amount for it too.
4- Always think of saving, even if its 100 bucks, But try to save it.
5- It is not necessary to go for ultra-expensive products & things. If it is not necessary, try opting for economy and pocket friendly products.
Hope these simple tips will surely make you a Penny Smart Diva!! Being a true shopoholic I know its hard to resist
buying something which has taken your heart away… But I am not suggesting you leave shopping…!! Simply modify your shopping plans in a smarter way.