Happy New Year 2012. We all are celebrating this new year but we can make it more better with our savings.
Saving is a thing which always gives you happiness but to get that we should follow some steps :
1. Avoid using credit cards
Excessive usage of credit card is always harmful and it gives us pain after we use. So in this new year we should set a target to use our credit card to avid debt.
2. Make your budget
Whatever we do , we always have to make a budget to make things perfect. Budgeting is not only applicable in monthly expenses but it also helps in our miscellaneous expenses. We can set a goal of budgeting for our monthly expenses as well as for the new year party.
3. Pay your dues
If you have previous dues , you have to set a amount from your monthly budget to pay it. It will reduce your tension and gives you a healthy life ahead.
That was some important things which you can use to make your new year more special for you. Enjoy the holiday season ..... :)