the golden rules

time to stop spending and start saving. my money goes in the bank on pay day, sit inside for a few days before it goes into another person's pocket. high time i kick away the bad habit of spending on unnecessary things. whenever i see something nice, i would just buy it without thinking if i would ever use it. but i managed to save $16 today by putting back the bronzer which i had already placed at the cashier. =)

golden rules for saving

rule #1 - buy only when necessary - consider if the item will be depreciated to the max
rule #2 - do not use credit cards unless there is discount by using the card
rule #3 - do not go shopping every week. try to limit to once a month
rule #4 - stop buying branded bags
rule #5 - refrain from eating at restaurants during lunch