Prodigal life
I used to be very prodigal when I was
young. I never thought of the value of
money that my parents have to work hard to earn it. I wasted a lot of money with fashionable
clothes, handbags and brand name shoes.
I did not take good care of my mobile phones and ended up losing four of
them. At last, my mother decided to
teach me about value of money. She bought
me an iPhone when I was in P.5 and told me to take good care of it. She will never buy me any new phone if I lose
it. My mom also told me how difficult to work for money, and finally I realized
that I was very Prodigal. I have changed
and became a new person. I still use the
same iPhone and stop buying expensive things.
now I know how hard it is to earn money.
Story by Thanatcha
Translated by Pavarisa
M.3/2
How
to save money
1.
Change your attitude to your mortgage
2.
Clear your credit card debt
3.
Cut the cost of your fuel bills
4.
Consider installing a water meter
5.
Cut your home phone bills
6.
Consider a pay-as-you go mobile
7.
Make a shopping list
8.
When was the last time you went to the market?
9.
Consider own-brand goods
10.
Don't buy designer labels
11.
Sell your clutter on eBay
12.
Use your talent to earn extra cash
13.
Do DIY
14.
Shop around for the cheapest household insurance
15.
Don't automatically renew annual travel insurance
16.
Choose cheaper breakdown insurance
17. Are you paying too much for
your life insurance?
18. Book early
19. Book your own package
20. Learn to say 'no'
21. Go pre-paid for cheaper
illnesses
23. Avoid expensive days /
evenings out
24. Beat the ticket touts
25. Don't be a Bucket - or try to
keep up with the Joneses
26. Trade down your car
27. Ask yourself: do I really
need this?
28. Walk/cycle to the station/work
29. Get off the station
before your usual stop and walk
30. Cut down your drinking
31.
Pack up smoking
32. Cancel your gym
membership
33. Use your library
34. The three-for-two trick
35. Buy clothes and presents
in the sales
37. The Christmas lottery
38. The National Lottery - it
won't be you!
39. Use your Isa allowances
40. Claim your benefits and tax
credits
41. How saving £50 a month
now can save you £120 next year
42. Do you need all those TV
channels?
43. Bin the ready meals
44. Take up a money-saving
hobby
45. Fight
your parking tickets
47. Shop
online
48. Make
lunch - get free car
49. The Citizen's Advice Bureau
is your friend
Cook at home often
50. Make your own coffee
51. Brown bag lunch at least a few days a week
52. Make a list before going shopping
53. Go grocery shopping while you are in a hurry
54. Watch out for expiration dates on perishable
goods
55. Buy in bulk whenever possible
56. Buy generic products whenever possible
57. Use grocery store bags to line trash cans
58. Consolidate and pay off debt as soon as possible
59. Pay your bills on time and avoid late fees
60. Be aware of your bank balance and avoid over
draft fees
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