What are the best way for saving money?

Saving money is one of those tasks that's so much easier said than done. There's more to it than spending less money. Here's how to set realistic goals, keep your spending in check, and get the most for your money.
1.Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money.
2.Set savings goals. For short-term goals, this is easy.
3.Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals.
4.Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend.
5.Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things.

Nutthida 4EN 020

There are many ways to save money.

1. Buy clothes and presents in the sales.
2. Don't pay full price at the theater.
3. Turn off the lights when you leave the house.
4. Turn off the tap when brushing your teeth.
5. Cancel your cable package.

Chamaiporn 017 4EN

Most people can save something regardless of their income.
Starting to save a little will help build the habit of saving.
Even saving as little as 20 bath a month will teach you that you don't need as much money as you think.
I have 3 ways to help you saving your money.
1) Save money on Designer Clothes!.  you are someone who loves to have the latest styles and brands,
just because you want to save money doesn’t mean that you are doomed to outdated and decade-old clothing.
2) Saving energy = Saving money!. Even though, “Being green is so IN right now,
” the “normal” thing to do is waste energy. So not only will everyone think you are cool,  but you can save money as well.
3) Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals.


>>>>>>>>>  Siriam    Luadthaisong   039   3EN  

Saving may not be as fun as spending but it doesn’t need to be difficult. All it takes is a bit of planning and some self-discipline – and you’re on your way to achieving your goals.
Set goals
-Be clear about your goals.
-Make sure they are realistic.
-Set a time limit – list your goals as short, medium or long term:
-Short term goals are the things you want in the next year or so, for example buying a new TV or iPad, or going on a holiday
-Medium term goals are the things you want in the next two to five years, like buying a new car or saving for a house deposit
-long term goals are the things you want that may take longer than five years – it could be owning a home or having a family.
-There are a few things you can do to help you on the way to achieving your goals.
-Write your goals down and keep them somewhere as a reminder.
-Tell someone about your goals – this will usually increase your chance of achieving them.
-It pays to be patient. If you have a setback, get back on track as soon as you can and don’t give up.

Attachai Seankhot 045 4EN

Everyone knows they should be saving money
and most people are smart enough to look for saving money tips.
How many people actually know how much money they should be saving?
Most people mistakenly believe that more money is better, less money is bad.
Although that's true in a general sense, depending upon your needs,
lifestyle preferences, and income, the amount of money you need to save
and have available in the event of a disaster
or golden opportunity could be very different from your friends, family, and neighbors.

Jariya  Ruangrua  007 3EN

I think the best way to save money is to create a budget and stick to it.
In so doing, we are forced to evaluate how we spend our money
and what we are spending it on.  
Keep a journal of our spending habits to pinpoint our areas of opportunity
like asking ourselves if we need a new pair of shoes each week.

Supaphorn 040 3EN  

Saving money is one of those tasks that's so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and get the most for your money. Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. Plus, the sooner you pay off debt, the less interest you'll pay, and that money can be saved instead. Set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals. Establish a time-frame. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged. Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your time-frame until you come up with an approachable amount.

Belinda Barbie ^^

For me, Keep recording what we expense is the best way to safe our money. I always do it and I found it work. You can begin this tip by keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
What you save falls between two activities and their difference : how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as Rent,Car payments, Phone Bill, Food, Clothes,Entertainment, etc.

Amolwan 050 3EN

To save money, I never buy any goods that I don't know what to do with it. I buy only necessary things. I save my money to use on emergency time. My parents always tell me to save it so that when I want to use it I will my own money not my parents' money. I don't usually go shopping. If I go shopping, I'm sure I will spend money. I also write down how much I spend every day. That's all how I save my money


Natcha 3EN 023

Don't use it 555




Narunon047 3EN

Threre are many ways to save money such as:
- Cook at home
- Make a list before going shopping
- Buy generic products whenever possible
- Pay your bills on time
- Avoid credit cards
- borrow books from the library,instead of buying books
- Price check before buying
- Avoid buying a new car
- Ride your bike instead of a car
- Regulate your electric use





Wipawee 036 3EN

Deposit money in the bank without ATM card.


Nutthaphol044

- think carefully before paying for anything.
- pay just for the necessities and save some of earnings.
- don't waste your money with a new thing that just released.
- take note about how much that you pay earn in every day to check your spending.
- don't eat a lot because you have to pay more for your food.

   



Akkaradet 067 3EN

It 's very hard to answer this question because I have a lot of thing to pay.
I think saving money is very important for me but how can we save our money while we have to buy many things. For me first of all I will separate my money to 2 parts.
The first one is for paying in daily life and the second one is for keep in the secret pocket.
But sometime I have to spend money in my secret pocket to pay important thing like textbooks .
I think the best way to save money is think carefully before we pay and don't believe the seller easily.   

Chanokporn 043 3EN

Saving money is one of those tasks that's so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and get the most for your money.
 Kill your debt first.
 Set savings goals.
 Establish a time-frame.
 Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals.
 Keep a record of your expenses.
 Trim your expenses.
 Reassess your savings goals.
 Make a budget.
 Stop using credit cards.
 Open an interest-bearing savings account.
 Pay yourself first.
 Don't get discouraged and don't give up.

Kullasatree 010 4EN

you have to set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.
Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period.Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money.Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses.

khaunrudee Boonpan 001 4EN

How harddddddd to do for me!! lolz

..SELF-CONTROL..  

I usually keep 5-10 bath per day.
I have ever sperated my money to use in many parts in life
but in use it's not! It's not be like I think.
I want to saving money for my future plans.
I really like when I think of its.
Also, I can't stand when I think of many foods and drinks!

Watcharee 4EN 053

Ways of saving money can be practices easily in your daily life.
Saving money is to reduce the expenses spent every day by taking a list.
Before going to any stores; supermarket or department stores,
you had better write down what you are going to buy on a piece of paper, or I say listing.
You will see what you do not need to buy or what is not necessary for you.
In spite of many ways to save money, I choose taking a list my way of saving money.
"Think before expenses because it is very hard to afford money"

Thitiphong 012 3EN

-Identify your goals.
The first part of any good savings plan is identifying where you want your money to go. Think about what you want to save for, and then divide the items into short-term goals (e.g., repairs, a vacation, etc.) and long-term goals (e.g., retirement, college fund, a house), suggests Linda Descano, president and CEO of Citi’s Women & Co. Doing this will help you better decide how to allocate your money and make you aware of how much to put away.
Use tools to track spending.

-When it comes to saving money, there are countless tools and apps available to help you make it easier. Try the Citibank or your bank’s mobile app to stay on top of your specific expenditures, and Manilla.com or the free mobile apps to manage all of your bills and other personal accounts in one place. Utilizing tools like these can actually help you save money because you get reminders when your bills are due, so you never pay late fees.
The main reason that tools will come in handy when it comes to saving money is that they allow you to easily and conveniently track your spending. Doing this is essential in determining how much money you should be (and could be) saving.

-Reallocate your funds.
After you track you funds for a month, evaluate where your money is going, Descano said, and recalibrate what you’ve come to view as a “must-have” versus a “nice-to-have.” If you’re finding that you’re overspending on pricy visits to the salon or one-too-many nights out at expensive restaurants, but you’re barely putting anything into your emergency fund, it’s time to make a change.
To start the reallocation process, automatically put a set amount of every paycheck in your savings account, Descano said, adding that no amount is too small. How much should you have in your emergency fund? Aim for three to six months’ worth of living expenses at a minimum, Descano suggests.

-Take advantage of deals
You can plan for putting even more money away by ensuring that you’re getting the best deals possible on your utilities and other bills. AT&T, for example, offers bundles on their U-Verse TV, Internet and Home phone services so you can select the one that offers the best value for your needs and budget. Plus, right now they are offering a free Wi-Fi device to customers who sign-up for one of the qualifying bundles.
To make sure you’re getting the best rates and services offered, call your service providers and find out what types of promotions they’re running. Most customer support teams will do whatever they can to help you lower your monthly bill. The Comcast Customer Guarantee, for example, is a Comcast service that provides a 30-day, money-back guarantee on its video, voice or high-speed services. This give you time to make sure you’re happy with the plan and services you’ve selected. If you’re not, you can return the equipment and get a refund for the first 30 days of service.