Perempuan memang paling hobi bila diajak untuk berbelanja. Seringkali kaum perempuan tidak sadar sudah ada beberapa tentengan tas belanja di tangan saat berada di pusat belanja favoritnya. Setelah berbelanja barulah mereka sadar bahwa tagihan kartu kredit di akhir bulan membengkak.
Bila anda sering mengalami kejadian tersebut mungkin kini saatnya anda memanage keuangan anda. Anda tidak perlu membayangkan bahwa dengan berhemat anda tidak bisa ber-shopping ria. Yang anda hanya butuh beberapa langkah untuk menyiasati uang belanja anda. Simak berikut ini agar anda bisa melakukan penghematan dalam pengeluaran tanpa harus tercekik.
Kartu Kredit. Sebenarnya kartu ini merupakan pisau bermata dua. Karena kartu ini bisa menjadi dewa penolong tapi juga sebagai dewa penjagal. Semua itu tergantung pada bagaimana kelihaian anda dalam menggunakannya. Cobalah anda batasi penggunaan kartu kredit dan usakan untuk membayar lunas setiap tagihan. Bila memang anda punya dananya sebaiknya hindari pembayaran minimum payment-nya saja karena justru membuat bunga jadi berbunga di bulan selanjutnya. Bagi anda yang memiliki hobi mengoleksi kartu kredit, sebenarnya sangat berbahaya. Sebaiknya anda cukup pegang maksimal 2 kartu kredit. Pemilikan kartu kredit yang banyak malah akan membebani anda dengan iuran tahunan kartu.
List prioritas belanjaan. Buatlah daftar barang-barang penting yang harus anda prioritaskan untuk dibelanjakan. Tanamkan control pada diri anda untuk selalu membeli barang-barang yang benar-benar anda butuhkan bukannya barang-barang yang anda inginkan. Anda harus bisa mendisiplinkan diri anda. Bila tidak sanggup, cobalah ajak orang yang bisa mengingatkan anda mengontrol diri saat belanja.
No brand minded. Anda tidak perlu membeli barang yang bermerk bila anda bisa mendapatkan barang yang murah. Anda tidak perlu menguras isi kantong kan? Cobalah untuk mencari alternatif belanja dengan memburu barang import di factory outlet. Atau tidak ada salahnya menunggu merk kesayangan mengadakan sale.
Siasat ganda. Menekan pengeluaran juga bisa dilakukan dengan membeli barang-barang yang kurang lebih sebenarnya memiliki fungsi sama. Bila anda terbiasa dengan membeli pewangi dan pelembut pakaian secara terpisah, kenapa tidak anda coba untuk membeli produk deterjen yang wanginya awet. Anda juga bisa membeli kemasan refill karena biasanya harganya relatif lebih murah. Jadi berhemat bukan berarti anda harus mencekik leher anda kan? Selamat berhemat...
37 komentar:
Great article.
Stop by my homepage :: Private krankenversicherung tarifwechsel
Hi there to all, how is all, I think every one is getting more from this web page, and
your views are pleasant in favor of new users.
Here is my web page ; mode online outlet
Thank you a lot for sharing this with all folks you really understand what you're talking approximately! Bookmarked. Please additionally talk over with my web site =). We can have a link change arrangement between us
Feel free to visit my page ; Start Business
Great blog here! Also your site loads up fast!
What host are you using? Can I get your affiliate link to your host?
I wish my web site loaded up as quickly as yours lol
Visit my website - kreditvermittlung ohne schufa
Peculiar article, totally what I was looking for.
Here is my site: vergleich von krankenkassen
My web-site ... Kredit Plus
Peculiar article, totally what I was looking for.
Also visit my website - vergleich von krankenkassen
Also see my web site > Kredit Plus
I always used to study article in news papers but now as I am a user of
net thus from now I am using net for posts, thanks
to web.
Check out my web site - bad credit lending
Hi mates, good article and fastidious arguments commented
at this place, I am in fact enjoying by these.
Here is my website - great all inclusive vacation packages
Why users still make use of to read news papers when in this
technological globe the whole thing is presented on net?
Feel free to visit my weblog : reseller hosting dedicated
At this time it looks like Movable Type is the top blogging platform available right now.
(from what I've read) Is that what you are using on your blog?
Look at my page : krankenkassenvergleich für studenten
What's up, constantly i used to check website posts here early in the morning, as i enjoy to gain knowledge of more and more.
my webpage :: clickbakn
Thanks for every other great article. The
place else may just anyone get that type of info in such a
perfect manner of writing? I've a presentation subsequent week, and I'm at
the search for such information.
my site; reseller hosting unlimited bandwidth
Why users still use to read news papers when in this technological world everything is
available on net?
Feel free to visit my website - kostenloses girokonto Trotz schufa
Nice post. I learn something totally new and challenging on sites I stumbleupon everyday.
It will always be useful to read content from other
writers and use a little something from other sites.
my web site :: krankenversicherung für studenten
Very good info. Lucky me I came across your blog by chance (stumbleupon).
I've saved it for later!
Feel free to visit my blog :: exchange hosting
wonderful points altogether, you just gained a new reader.
What might you recommend about your submit that you simply made a few days
ago? Any certain?
Also visit my web site :: work fromhome
Terrific post however I was wondering if you could write a litte more on this subject?
I'd be very grateful if you could elaborate a little bit more. Thank you!
My homepage - kredite von privatpersonen ohne schufa
Howdy! This article could not be written
any better! Looking at this post reminds me of my previous roommate!
He continually kept talking about this. I will forward this post to him.
Fairly certain he'll have a very good read. Thanks for sharing!
My homepage: krankenkasse für selbstständige
Oh my goodness! Awesome article dude! Thank you so much, However I am
going through difficulties with your RSS. I don't know the reason why I am unable to subscribe to it. Is there anyone else getting the same RSS issues? Anybody who knows the solution can you kindly respond? Thanx!!
My website: pkv vergleiche
Thank you a bunch for sharing this with all of us you actually know what you are speaking approximately!
Bookmarked. Kindly also visit my site =).
We may have a hyperlink exchange agreement among us
My homepage; kredit ohne einkommensnachweis und schufa
Simply want to say your article is as surprising.
The clearness in your submit is just nice and that i can suppose you are an expert on this subject.
Well along with your permission let me to clutch your
RSS feed to keep updated with drawing close post. Thanks 1,000,000 and please continue the rewarding work.
Feel free to surf to my webpage travel agents
WOW just what I was searching for. Came here by
searching for dedicated reseller hosting
Also visit my webpage ... host reseller
I got this web page from my friend who informed me about this website and now this time I am browsing this website
and reading very informative posts at this time.
Feel free to surf to my web blog: freiwillige Krankenversicherung
Ahaa, its pleasant dialogue concerning this piece of writing
here at this blog, I have read all that, so at this time me also commenting here.
Have a look at my webpage :: affiliate marketing network
Today, I went to the beach front with my children. I found a sea shell and gave it
to my 4 year old daughter and said "You can hear the ocean if you put this to your ear." She placed the shell to her
ear and screamed. There was a hermit crab inside and it pinched
her ear. She never wants to go back! LoL I know this is entirely off topic but I had to
tell someone!
My weblog ... beiträge der gesetzlichen krankenversicherung
Thanks for some other excellent post. The place else may just anybody
get that type of info in such a perfect method of writing?
I've a presentation next week, and I am on the look for such information.
Visit my page cpanel reseller hosting
I have been browsing online more than three hours today,
yet I never found any interesting article like yours. It's pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the net will be a lot more useful than ever before.
Stop by my web blog schufa selbstauskunft
Very nice post. I just stumbled upon your blog and wished to mention that I've really enjoyed browsing your blog posts. In any case I will be subscribing to your feed and I hope you write once more soon!
my website Recommended Studying
I visited many websites however the audio feature for audio songs present
at this web site is actually excellent.
Feel free to surf to my web page :: best selling clickbank products
Hello my family member! I want to say that this post is awesome, great
written and include approximately all significant infos.
I'd like to see extra posts like this .
Have a look at my web site ... mouse click the next document
If some one wishes to be updated with most recent technologies therefore he must be go
to see this site and be up to date every day.
My webpage: Eilkredit
Wonderful web site. A lot of useful info here.
I am sending it to several buddies ans additionally sharing in delicious.
And naturally, thanks for your sweat!
Here is my page :: Etoro Openbook
You really make it seem so easy with your presentation but I find
this matter to be really something which I think I would never understand.
It seems too complicated and extremely broad for
me. I am looking forward for your next post, I'll try to get the hang of it!
Also visit my weblog :: Darmreinigung wie
Hi there! This is kind of off topic but I need some advice from
an established blog. Is it tough to set up your own blog?
I'm not very techincal but I can figure things out pretty quick. I'm thinking about creating my own but
I'm not sure where to begin. Do you have any tips or suggestions? Cheers
My web blog; Click on now to undo a free account together with InstaForex
Hi there, this weekend is nice in support of me, since this occasion i am reading this great informative
article here at my home.
Look at my web blog Click now to unnecessary a free account using InstaForex
If vehicles with 100,000 miles or greater are allowed, then they
will often times want to finance for shorter terms, which in turn can impact your monthly
payments. Colombian Pavilion at Folklorama Culture at the
CUBE. But of course, it's the prerogative of the consumer whether he'll follow the lead of Bank of America ' so there really is nothing wrong with this move.
My web page ... Online Kredit günstig
Hi, i think that i saw you visited my web site so i came to “return the favor”.
I am attempting to find things to improve my web site!
I suppose its ok to use some of your ideas!
!
Also visit my website http://www.trading-forex.info/
Posting Komentar