money saving tips-don't be a debtor

there are several tips that teaching us be independent to our self & not be a debtor:

1. if we have a lot of cash,don't purchased things in installment payment. its is because a installment will have higher interest and we have to pay more than cash purchased.
2. don't owed something that we don't need it. sometimes,we usually like to indebted our friends. As the result,all friend run but enemy comes.
3. if we want something,make debt as the last choice. if we have to,select the best debt,there is low interest & more flexible.
4. consider and check the monthly payment whether we can pay it or not,if not,just ignored it. its very needed to postpone taking are debt if necessary.
5. don't use a credit card if we don't know how to manage our money properly,.
6. buy goods in cash.
7. don't buy goods simultaneously if we can't.
8. follow our ability to pay something.
9. always remember that the more important things is our needs not wants.
10. if we dream item that expensive and need us to debt,try to set up special fund. one day if u we have enough money,we can buy those things.

debt is not a choices because most but not even,we have to purchased something installment like to purchased car or houses.

as the conclusion,plan our finance perfectly.

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