Tips to manage your spending

As times get harder in this financial crisis, one should not spend hastily. Here are some tips to manage your spending while still enjoying life..

Tips on saving money on clothes:

1. Shop with cash (only!)
2. Hit the discount chains
3. Shop out of seasons
4. Look for online deals
5. Don't be lured by a sale
6. Shop trends carefully
7. Don't buy clothes which you already have
8. Shop consignment
9. Don't shop for fads (temporary in fashion)
10. Care for you clothings

Tips on saving money on food:

1. Create a grocery list and stick to it
2. Don't buy things just because they are cheap
3. Compare prices
4. Stick to your budget
5. Buy in bulk
6. Avoid processed food- convinient but expensive
7. Learn how to cook
8. Eat at home more often
9. Cut down on junk food and treats
10. Use cheaper ingredients for meals

Basically, shop for what you NEED and not what you WANT!