So you get your salary slip and looking at the numbers written on it makes 
your heart leap with joy. You start preparing a list of all the things that you want to get. After making the calculations you realize, to your dismay that it would take up more than half of your salary to buy those things!
And the rest will go into other important matters. After all, you should be saving to buy a better house in the future or invest in some profitable options.
So what do you do? This article will help you organize your finances and help you save.
Record what you spend: whenever you spend some money record it. Make sure to keep all of the receipts that you incurred during the day and then at night record all of them. Have a notebook dedicated to just recording your expenses for each month. You can also use references from the bank or credit card statement to help you. You should write down every small purchase that you make, even those such as coffee, gas, groceries, etc.
Draw up a budget: once you know how much you normally spend then you write down your budget. But make sure that the budget is a little tighter than your normal expenditure amount so that it will help you be a bit more economical.
Divide up your expenditure according to the items, such as utility and personal. Make as many categories as needful. Before the next month starts to write down the budget before you start spending. Then tally your budget and expenses at the end of the month.
Make two accounts: open up a savings account where you invest a certain amount of your salary. You can even use the percent system. If you are really big on spending then you first start off with saving just 20% of your salary. Then as months go by you can gradually increase the percentage that you are saving, till you reach 50% of spending and saving.
Set your priorities straight: for example, you want to buy a new car or go backpacking across Asia, you need to save up for such big goals in the future. You can make and use reminders to keep reminding you about what you are working towards. When you have an important or better goal in mind you will work harder to save your money.
The 24-hour rule: whenever you are about to make a big purchase or plan on it, take a 24-hour distance between the planning and the purchasing. During that time reason with yourself about how much do you really need the product or service and then take an action.
The big save: this might be a little shocking but sometimes you just need to shake up your system. Try to save your entire paycheck. After you are done paying off the obligatory bills, cut off all extra expenditure for personal use.
It may be a little difficult at first but this is a sort of resolution that takes baby steps to get used to. You need to take it gradually and eventually, you will form a habit of it.
