Money ( financial matter )

A piece of paper that valuable call money makes many people crazy. In a blink of eyes people become rich or poor and all because of money. It is very important to know how to manage it. As a first year student, it is my first time to manage my money. Well, now I realise how bad it is when you lack of money and at the same time you need it badly. There is many way to manage your budget :

• Plan your budgets by making a list - make a list when you go out for shopping and buy only essential things. You also need to make a list of money that you had spent in one day.
• Save all the coins - maybe coins is not so valuable for you but it will help you during your rainy day. Even 1 cent is valuable.
• Use your things that still can be use - don't throw it away and use it as long as you can.
• Saving your extra money - if you have extra money make sure you save it as your backup one day.
• Free yourself from debt - it helps you in that day but after you get money from your resource, you have to pay it back and of course it disturb your budgets.
• Don't easily get influence by friends - say 'no' to your friends if they make you spend your money for something unessential.
• Give if you have - the counselor believe if you borrowed your money to your friend out of your ability and if they don't pay back then the friendship will get strained.
• Compare price - take time to investigate in order to get lower price.

This is some tips but if you want more you can browse internet and found many webs offer money counseling service agent.