Controlling the desire is one of the main capital to no savings. Follow these tips to no longer have a headache due to salary “evaporate” before the end of the month.

1. Create a list of your expenses each month. Included in this case is a fund for mortgage or rent, electricity, water, telephone, daily needs for food and clothing, transportation costs, the streets and go to a movie. For convenience, you can make on the computer. Sum all of your expenses. Write the amount of your income every month, then subtract your total expenditure.

2. Check the list and find that you can trim spending. For example, if you usually eat out when in the office, try to bring lunch from home. You will be surprised to see the money you save is successful in doing this.

3. Pay my bills first, then set aside money to be saved. By taking first, expenditure will be more controlled and not panic when you suddenly need cash. In addition to saving in the form of cash, store savings in the form that is not easy to fiddle. For example, insurance, deposit or mutual funds.

4. Reduce the schedule to watch in theaters. If you usually watch movies at the cinema every week, reduce the schedule to be 1-2 times per month. Before going to the movies or a walk, eat at home first. You can save substantial money, especially when going with family.

5. Buy clothes at stores that give discounts or wait for sale time comes. Limit the purchase of clothes, just 2-3 months. After all, you do not need new clothes every month.

6. Where possible, avoid using credit cards. Unless, you can pay the entire bill at a time when due. No need to be a collector’s credit card, and use this card only during an emergency. Use a debit card, so you’re only limited to your ability to spend money.

7. Obey your existing budget every month. Thus, you can continue to save. Initially it may be difficult, but you will feel the benefit when it is used.

8. Ask your spouse to become a supervisor. Financial management so that it runs smoothly, both parties should have the same vision and mission. If not the same, discuss this with your partner.

9. Teach your kids to save early.