6 WAYS TO PRUDENT SPENDING THIS HARD TIMES

This are not really Rossy times for civil servants nation wide. That is why it is important to cut your coat according to your cloth.

 It is widely said that every day is not Christmas so below are ways to tighten up when the chips are down.

1)
MAKE A BUDGET FOR ALL TIMES;
 A person with a budget over his finances. He will be in a good position to manage cash flow and pay short-term dues and make provisions for other gos

2) 
 DIVISION OF EXPENSES 
Regular and Non-Discretionary Expenses:
These include grocery, electricity, fuel, phone, laundry, domestic help, eating out and entertainment expenses. As these are regular and unavoidable, you can put a broad limit so that they do not go out of control.

Irregular and Discretionary Expenses:
These include things like buying furniture,a new stereo and consumer durables, valuables like gold or going on a holiday. Since these cost a lot, one must plan intelligently.. These days various payment options are available-cash discount, zero-interest EMIs, etc.

3)
 SCALE OF PREFERENCE

 Buy want you need not what you want. Human wants are endless. The rule is if you really think you have need of something dont buy it immediately, wait for a few more days you may discover that you may really not have need of it after all.

4)  
DEBT MANAGEMENT SKILLS
No more than a third of one's net income should be used to service debt; savings must be at least one-third the income.

5)
GET THE BEST DEALS
Dont be afraid to "price" .Do not hesitate to ask for discounts and complementary services.and cash in on sales and promos.
  The last and not the least will be

6)
  PAY YOUR TITHES REGULARLY AND AT WHEN DUE.
Although this as a christian commandment, it is very important for Muslims too, in the book of Malachi 3:10
"Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.

Even as we have seen, Islam is divided into Iman (the belief of a Muslim)... To pay Zakat (i.e. obligatory charity).
 
I bet if you adhere to these 6 simple rules you will avoid "drinking" Garri and groundnuts nights before your next pay day.