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How to Spend Money Wisely PDF พิมพ์ อีเมล
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วันเสาร์ที่ 28 กุมภาพันธ์ 2015 เวลา 07:28 น.

Do you hate it when you really need money, but your wallet is empty? No matter how little or how much money you have, spending it wisely is a good idea; it enables you to get the most bang for your buck. Follow these tips to reduce expenditures in key areas and adopt a safer overall approach to shopping.

 

 How to Spend Money Wisely

 

Method 1 of 4: Spending Basics

1 Create a budget. Track your spending and income so you have an accurate picture of your financial situation. Save receipts or write down your purchases in a notebook as you make them. Review your bills each month and add those expenses to your budget.


          • Organize your purchases by category (food, clothing, entertainment, etc.). Categories with the highest monthly amounts (or monthly amounts you consider surprisingly high) may be good targets for saving money.


          • Once you've tracked your purchases for a while, create a monthly (or weekly) limit for each category. Make sure the total budget is smaller than your income for that period, with enough left over for savings if possible.

.

  

Make a budget!
 

2 Plan your purchases in advance. Making spur of the moment decisions can balloon your expenditures. Write down what you need to buy while you're calm and at home.


          • Make a preliminary trip before you go on your real shopping trip. Note the prices of several alternatives at one or more stores. Return home without buying anything and decide which products to buy on your second, "real" expedition. The more focused you are and the less time you spend in the store, the less you'll spend.


          • If you are motivated to treat each purchase as an important decision, you will make better decisions.


          • Do not accept free samples or try something on just for fun. Even if you don't plan on purchasing it, the experience can convince you to make a decision now instead of considering it carefully in advance.

  

 


3 Avoid impulse purchases. If planning your purchases in advance is a good idea, buying something on the spur of the moment is a terrible one. Follow these tips to avoid making shopping decisions for the wrong reasons:


          • Don't browse store windows or shop for fun. If you're only buying something because you find the act of shopping fun, you'll likely end up spending too much on stuff you don't need.


          • Don't make purchasing decisions when your judgement is impaired. Alcohol, other drugs, or sleep deprivation can harm your ability to make sensible decisions. Even shopping while hungry or listening to loud music can be a bad idea if you don't stick to your shopping list.

  

  


4 Shop alone. Children, friends who love shopping, or even just a friend whose tastes you respect can influence you to spend extra money.


          • Do not take advice from store employees. If you need a question answered, politely listen to their response but ignore any advice on purchasing decisions. If they won't leave you alone, leave the store and return later to make your decision.

  

 

 Pay in full and in cash

 


5 Pay in full and in cash. Credit and debit cards increase spending for two reasons: you have much more money available to spend than you normally would, and because no visible money is changing hands, it doesn't register as a "real" purchase. Similarly, running up a bar tab or using a delayed payment scheme makes it harder to realize how much you're actually spending.


      
    • Don't bring more cash with you than you need. If you don't have the extra money, you can't spend it. Similarly, withdraw your weekly budget from an ATM once a week rather than filling up your wallet whenever you run out.

 

 

6 Don't be fooled by marketing. Outside influences are a huge factor affecting what we spend our money on. Be vigilant and try to be aware of all the reasons you're drawn to a product.


          • Don't buy something on the basis of an advertisement. Whether on television or the product's packaging, treat ads with skepticism. They are designed to encourage you to spend money and will not provide an accurate portrayal of your options.


           • Don't purchase something just because it's reduced price. Coupons and sales are great for products you were already planning to buy; purchasing something you don't need just because it's 50% off does not save money.


          • Be aware of pricing tricks. Translate that "$1.99" price into "$2". Judge the price of an item on its own merits, not because it's a "better deal" than another option by the same company. (By making the "worse deal" atrocious value, someone can trick you into paying more for add-ons you don't need).

  

Wait for sales and discounts


7 Wait for sales and discounts. If you know you'll need a particular item but don't need it today, wait until it ends up in the bargain bin or try to find a coupon for it.


          • Only use a coupon or take advantage of a discount for an item you absolutely need or decided to buy before the discount occurred. The attraction of a cheaper price is an easy way to get customers to buy something they don't need.


          • Buy products only useful at particular times of year during the off season. A winter coat should be cheap during summer weather.

  

  


8 Do your research. Before making expensive purchases, go online or read consumer reports to find out how to get the most bang for the least buck. Find the product within your budget that will last longest and meet your needs best.

  

  


9 Take all the costs into account. You'll end up paying a lot more than the sticker price for many big-ticket items. Read all the fine print and add up the total amount before making your decision.


          • Don't be fooled by lower monthly payments. Calculate the total amount you'll spend (monthly payments x number of months until fully paid) to find out what the cheapest option is.


          • If you're taking out a loan, calculate how much total interest you'll have to pay.

  


10 Stay home. If you don't need to shop, don't go shopping simply because you are bored. Don't use shopping as a recreation or amusement. Find other amusements and hobbies, if it's lonely then invite people over or organize a group to play games together. Games are a good alternative to socialize and in roleplaying games, "Shopping" for equipment with pretend money won on quests can be more satisfying than real shopping.

 

 

11 Ask yourself some questions. Will I use this every day? Will I use it enough for it to be worth buying? How many hours did I have to work to pay for this? Employ the 3-month forecast. Ask yourself if you'll still be using the product regularly in 3 months. If you have lived this long without it, do you really need it? If you move frequently, contemplate whether this purchase is really worth hauling around each time you move. If you don't, ask yourself if it's worth sacrificing some of your precious living space to own it.

 

 


12 Avoid shopping malls, if possible. If you need to purchase something, go to a store that sells that thing. Don't automatically head for the mall, where you'll likely get lured into buying things you don't need. Also, mall stores tend to be high-priced since the rent is high for those spaces. If you go to the mall just to hang out with your friends, consider finding new hobbies, or new friends. If you have to walk through a shopping mall to get to a restaurant or a movie theater, keep yourself engrossed in conversation (either with yourself or your companions) so that you don't focus on your surroundings. Concentrate on where you are going, but pay no attention to the stores along the way.

 


13 Give yourself occasional, inexpensive treats. This may sound paradoxical (isn't this buying something you don't need?) but in fact, it's easier to maintain your spending goals if you give yourself the occasional reward. Try to go cold turkey on unnecessary spending and you may eventually "crack" and splurge much more than you should.


          • Set aside a very limited amount of money in your budget for these treats. The goal is to give yourself a small reward to keep your spirits up and prevent a giant splurge later.


          • If your usual methods of treating yourself are expensive, find cheaper alternatives. Take a bubble bath at home instead of going to the spa, or borrow a movie from the library instead of going to the theater.

 

          • Instead of renting movies, check your local library. Many libraries offer a wide selection of movies for free. While you're there, check out their other offerings, too. Remember, libraries are nice places to hang out in and reading is free.

 

 

 

Method 2 of 4: Spending on Clothing

 

1 Only purchase what you actually need. Go through your closet and see what you already have. Sell or give away anything you don’t wear or that doesn’t fit so you have a better idea of your situation.

          • Clearing out your closet is not an excuse to buy replacements. The goal is to find out what types of clothing you have enough of, and which you actually need more of.

  

  


2 Know when to spend more for quality. It's foolish to buy the priciest brand of socks, since those wear out quickly. However, spending more money on a pair of higher quality, longer lasting shoes may save you money in the long run.


          • Remember that price doesn't guarantee quality. Research what the longest lasting brands are rather than assume the most expensive option is best.


          • Similarly, wait until the item you need goes on sale when possible. Remember not to use sales an excuse to purchase items you don't require.

  

 

3 Shop at thrift stores. Some secondhand clothing shops carry surprisingly high quality items. At the very least, you should be able to purchase basic items for a fraction of brand new prices.


          • Thrift stores in more affluent neighborhoods usually receive higher-quality donations.

 

 


4 If you can't find it in a thrift store, buy cheap, generic brands. A designer logo does not indicate a higher quality.

  

  

Spending on Food and Beverages  

 

 

 


Method 3 of 4: Spending on Food and Beverages

1 Compile a weekly menu and shopping list. Once you have an amount budgeted for food, write down in advance the exact meals you will eat and what you need to purchase at the grocery store to make them.


        
  • This will not only prevent you from making impulse buys at the grocery store, but also prevent wasting money due to food waste, a major expenditure for many people. If you find yourself throwing away food, reduce the size of your planned meals.

  


2 Learn tips for saving money on food. There are many ways to save money while grocery shopping, from buying food in bulk to knowing the times of day when various products are cheaper.

 

 

Minimize eating at restaurants

 

3 Minimize eating at restaurants. Eating out is much more expensive than preparing your own food, and should never be done as an impulse by someone who is trying to save money.


          • Pack a lunch at home instead and bring it with you to work or class.


          • Fill a water bottle using your tap at home instead of buying expensive bottled water.


          • Similarly, if you drink coffee frequently, buy a cheap French press and save money by preparing it at home.

  

  Minimize eating at restaurants

Minimize eating at restaurants

 

 


Method 4 of 4: Saving Cash Wisely

1 Save Money. Making wise spending decisions goes hand in hand with saving. Budget as much as you can each month toward a savings account or other reliable, interest-accumulating investment. The more money you save each month, the better your overall financial health will be. Which is pretty much the point of spending money wisely, isn't it? Here are some savings ideas for you to consider:


          • Establish an emergency fund.


          • Start a Roth IRA or a 401(k).


          • Avoid unnecessary fees.


          • Meal plan your meals for the week

  

  

 


2 Break free of expensive habits. Compulsive habits such as smoking, drinking, or gambling can easily consume any money you save. Eliminating them from your life is both a boon to your wallet and your health.

 

 

 

3 Don't buy what you don't need. If you're unsure about a particular purchase, ask yourself these questions. If you don't answer "yes" to all of them, that's a strong sign you shouldn't spend the money.


          • Will I use this item regularly? Make sure you'll drink all that milk before it goes bad, or that you have enough summer months left to wear that skirt more than a couple times.


          • Do I lack something that serves the same purpose? Beware specialized products whose role can be performed by basic items you already have. You probably don't need ultra-specialized kitchen equipment, or a special workout outfit when sweatpants and a T shirt will work just as well.


          • Will this item change my life for the better? This is a tricky question, but purchases that encourage "bad habits" or cause you to neglect important parts of your life should be avoided.


          • Will I miss this item if I don't buy it?


          • Will this item make me happy?

  

  


4 Prune your hobbies. If you have a gym membership and don’t use it, don’t renew it. Avid collector turned to lukewarm possessor? Sell it. Devote your finances and your energy only into areas you are truly passionate about.

 

 

Tips


          • Following a budget will be much easier if the entire household is committed.


          • Shop around regularly for utilities and insurance. Many services (phone, internet, cable or satellite, insurance, etc.) offer better deals for new customers to attract new business. If you keep moving between companies you can always stay on the cheaper plan. (Some phone companies will pay your old phone contract's early cancellation fee if you switch to them.)


          • When comparing two cars, calculate how much more you'll spend in gas money if you buy the less efficient (lower MPG) model.


          • Avoid dry-clean only clothing. Check the tags before you purchase any clothing. You don't want to repeatedly spend money on dry cleaning.


 

Source from Website : http://www.wikihow.com


แก้ไขล่าสุด ( วันศุกร์ที่ 27 มีนาคม 2015 เวลา 08:08 น. )
 

คอมเมนต์คอมเมนต์  

 
0 #91 Gregorio 2018-05-23 20:48
Mulher Explode Durante Ato Sexual Com Policial Em Manaus
Você acha que sabe tudo sobre fazer amor com uma mulher mas percebe que este com problemas de sexo?
2. Mulheres também gostam de homens românticos e também até mesmo que tenham coragem de
chorar na sua frente. Grau 3 de ejaculação precoce: terceiro grau de ejaculação precoce é um agravamento do segundo grau em homens que não superam as causas da ejaculação precoce correctamente.


De Acordo com James Casesse (1998) Apud Salete Laurice Marques Dias (2000), em pesquisa americana realizada sobre as
consequências psíquicas, foi demonstrado que as vítimas de
crimes sexuais desenvolvem falta de apetite sexual, dificuldade de obter orgasmo, dificuldade de lubrificação
vaginal, rejeição de qualquer toque afetivo.

Complicado é fazer com que a maioria dos homens compreenda que sexo
é um momento para proporcionar prazer para ambos e
não apenas para eles. Acontece que complicações como a ansiedade e
estresse exigem mudanças drásticas e estímulo do bem estar para que as relações sexuais tenham melhor desempenho.


A ejaculação precoce do homem é certa condição incómoda por comprometer desempenho sexual do homem.
Mulheres que têm parceiros com ejaculação precoce podem utilizar pompoarismo destinado a amenizar e, junto
com a terapia, superar problema. Com a recuperação
da minha vida sexual tornei-me uma pessoa mais paciente e com vontade de
trabalhar.

Além disso, ajuda a resolver alguns problemas como ejaculação precoce, incontinência urinária, impotência e até auxilia na advertência do
cancro de próstata Existem hoje vários cursos sobre pompoarismo a
fim de homens, vez online, através de vídeo aulas, aquele que presencias.


Para realizar esta estudo, a princípio entrei em contato
com a enfermeira do Serviço Especializado do município onde estudo se desenvolveu para que me
fornecesse algum material que seria entregue as participantes,
pois não queria apenas questioná-las, mas gostaria lhes fornecer informações sobre
uso correto da camisinha bem como de seus direitos como mulher, cidadã e profissional do sexo.


homem pode continuar a ter uma alicerce sexual satisfatória.
Como sangramento depois de perder a virgindade é pouco, caso a fêmea observe a presença contínua desse sangramento
ou dor e laceração na pipi, ela deve adquirir um centro de saúde
para uma avaliação.

Adolescentes que estão inseridos em situações desfavoráveis, muitas vezes buscam recursos para satisfazer suas necessidades em
práticas indevidas à conduta de um adolescente dito comum”, no sentido de estar vivendo
de acordo com os padrões estabelecido pela sociedade.


Sexo é direito da mulher, e não homem. Penso que os homens estão desorientados no momento em que ficam tão preocupados em agradar sexualmente às mulheres e dando ouvidos aos comentários delas.
No periodo da puberdade aluno se depara com um turbilhão a mudanças que ocorrerão em sua vida, vez hormonal tal como psicológica, onde seu corpo está se preparação [url=http://www.vbafans.com/bbs/home.php?mod=space Eles também ajuda na melhoria do vigor sexual, aumentando seus classes de energia durante sexo.

Os ovos estão entre os alimentos altamente eficazes que colaboram para a ejaculação precoce nos homens. É caracterizado pela utilização de roupas femininas por homens heterossexuais para se excitarem, se masturbarem ou realizarem ato sexual, sendo que em situações não sexuais se vestem de forma normal.

sexo fora do casamento era imoral, e quando isso ocorria, caso a mulher fosse cabaço, conforme costumes vigentes na época, homem deveria casar-se com a mesma, pois teria tirado-lhe que tinha de maior valor. Trata-se de entrega total e, assim, vivenciamos momentos incríveis.Normalmente, as pessoas podem esticar tempo na obrigação sexual quanto desejarem (até certa noite toda ou mais), dependendo da disponibilidade do casal.

Problema é que desta forma se perde muito do agrado do sexo, pois parece mais uma atribuição que uma coisa que nos dá satisfação. Assim sendo, depois que homem ejacula sêmen na vagina da mulher durante a relação sexual, alguns espermatozóides são transportados na direção ascendente da vagina e até as ampolas das trompas de Falópio, onde óvulo se encontra.

Toda vez que você se masturbar você está enviando laivo para desempenho do seu organismo deve ser dia que tiver relações sexuais. Elas broxam em grau superior que os homens, porém de uma forma sutil e discreta, por isso, esse fato costuma passar despercebido pelos menos experientes, pois a resposta sexual feminina não é em tal grau explícita quanto a masculina.

Alguns médicos recomendam evitar coito durante algum tempo e em vez disso usar desigual tipo de prazer físico e afetivo em vez do coito em si. Muitas mulheres gostam da penetração, mas também sentem grande prazer nas preliminares, preferindo muitas vezes a estimulação manual ou oral à própria penetração.

Algumas mulheres não podem ter um orgasmo com menos de 3.000 rmp. Atenha-se a ter afinidade sexuais no ancas de costume até que você pode obter um melhor controle sobre a sua ejaculação. Uma arquétipo importante para tratar com mulheres deste signo é não remexer seu passado.

Algumas mulheres não toleram estímulo aberto do clitóris, ao menos que estejam muito excitadas. Na mais alto parte dos casos, a ejaculação precoce está relacionada a razões psicológicas: ansiedade, stress, carência no aprendizado carnal, temor de perder a ereção.

A maioria das sociedades configura coito como sendo algo pecaminoso , incluindo aí a masturbação, que na avaliação com vários especialistas faz com que a mulher desconheça seu corpo. Confira os benefícios do pompoarismo destinado a mulheres e em razão de incentivar a parceira a também praticar estes exercícios e melhorar coito entre vocês.
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