START­ING FRESH

Kapi-Mana News - - FEATURE -

New Year tips from bud­get ad­vis­ers:

Plan ahead – bud­get for all your likely ex­penses in the next year, from car reg­is­tra­tion to hair­cuts and school fees Start sav­ing for next Christ­mas now: Even $5 a week will make a big dif­fer­ence Spread your ex­penses: If you get paid weekly, put aside some bill money ev­ery week so you don’t have to scram­ble at the end of the month Try writ­ing down ev­ery pur­chase you make – it’s easy to for­get that cof­fee or train ticket With­draw your weekly bud­get in cash and limit your­self to that amount De­lay spend­ing: Think about a pur­chase for 48 hours be­fore buy­ing Pay your­self first: Fun­nel sav­ings into a sep­a­rate ac­count us­ing an au­to­matic pay­ment

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