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Friday, October 06, 2017

15 Tips For OFWS To Save Money From Their Monthly Salary




Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
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Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices.

 1. Evaluate your housing cost 
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
If you are living outside a company accomodation, you need to determine the cost of your housing. Is is bearable or at least your salary can hadle it? If not then you need to take action.

2. Plan your shopping
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Buy only the things you need and not just because its on sale.
It is better to assign a certain amount for food budget.

3. Buy used stuff
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Buying used things doesn't make you less a human and buying brand new items doesn't make you richer.
Being practical by buying what you need and not what you want or just to have something to flash on your colleagues.

4. Don’t Use credit Cards
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Using credit card make you spend more. It is better to use cash . refrain from using credit cards to avoid being a slave of this tiny plastic thing.

5. Don`t think yourself deprived
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Do not think that you are deprived while saving. you have to show determination if you want to save. It will make you more wiser and responsible. When the time comes, you'll enjoy the fruit of your sacrifice. 
Sponsored Links


6. Plan your meals:
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Eat well when it's time to eat and avoid eating outside . Plan your meals and stick to your allocated food budget. By doing this, you'll save more money than you can imagine.

7. Find a side business
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
There are many ways to earn money online and it could be a side business. You can sytart a blog or a youtube channel which you can monetize to earn extra income.

8. Change job judiciously
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
When changing jobs, find a job which you can do best and when doing so, do not settle to the salary which is similar or lower than your previous income. Study and upgrade your skills whenever you can and raise your market value.

9. Save your pennies:
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income.

10. Make a side hustle
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
It is a business or services that you can do on your free time. 
 It includes different things like babysitting, walking dogs and reading for others etc. Not all companies allow this kind of side line but if your company do not mind you having a side hustle, you can earn extra money out of it.

11. Don`t follow the crowd
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Don`t get yourself jealous of people. 
They always spend extras on them because they wanted to look and get thing better than others without keeping it mind that it is nothing but just a waste of money. 

12. Set your priorities
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.

You should set your priorities first if you want to save money. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income.

13. Ask for a Refund
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
After purchasing any new equipment or vehicle if it became useless or broken due to any accident, do not be ashamed of asking them to refund it, it can also save money in form of saving. It is legal and companies allow it.

14. Get  a financial adviser
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
A financial coach could be a friend or anyone who succeeded in taming their spending "monster" within. It can be a tricky way of become a rich man. This the way of making yourself successful after your retirement.

15. Use coupons
Many OFWs often go home without savings after years of working abroad. The problem is that, they send all their money to their family and leave very little to themselves without allocating anything for savings. Some of them live lavishly, buying gadgets, branded clothes which they think they deserve after a period of tiring work. There is nothing wrong with it but if you want to have savings that you may use when you finally decide to come home for good, you need to some do little sacrifices. 1. Evaluate your housing cost : It is difficult to save money when you are running a big family and also difficult for the one who lives alone (bachelor). You can share your room with roommates this is beneficial that you can save money and share your half with other. And then you can invest this money or can save it for emergency. 2. Plan your shopping: Thrift stores are now utilized and made it easy for one to buy things at cheap rates. But it should be kept in mind that never buy a thing which you feel like it because it counts in extras which is the basic problem of wasting of money. Utilize your ways and buy only the things you need hardly which are your basic necessities. And it does not mean that you can never buy this in future you can, but first save your money than take a further step. You can also sell your old house holdings and buy new one. Use a written budget every month. 3. Buy used stuff: Always accumulate your stuff. You can use such stuff that is barely used. You can buy stuff online. Online shopping have many benefits things are purchased at very reasonable price. This can also save money from our low budget. 4. Don’t Use credit Cards: Usage of credit card makes you dumb. You spend much of money when you have a credit card. The money which you can save by keeping in a safe place is fastly accumulate in interest and fee of credit card. So we should shorten the use of credit card. Best way is to cash away money. 5. Don`t think yourself deprived: If you are saving money don’t think yourself deprived. Saving money have a lot of benefits as you became wiser and feel comfortable in every kind of environment. It is very important to show determination with your plan if you actually plan for savings. Always think controlled of your needs this is the easiest way of saving money. Sponsored Links 6. Plan your meals: It means to cut down your personal foody budget like spending on coffee or fast food. Try to take your lunch to work and save periodically can be useful. There are always many other ways to cut your cost to save money. These refreshments can save 25% of your income. 7. Find a side business: Now a days there are many ways of earning extra money online. Mostly people use freelancing as a side business which can also balance your low income. And it is very easiest way of earning money you can work on anytime. This can built up your cash position quickly. 8. Change job judiciously: Change in job can change in your experiences and skills which better and good for you. Try to find out new and more expensive job and believe on yourself that you can do it. Give your best and get something more excited which help in your earning. Build your education reserve and make more money and pay for your career. 9. Save your pennies: Use jars to put all those pennies which remain after any purchase. These penny can make a jar full of money one day. It is the most frequent way of saving money. Kids, elders all use these jars way to save money. And it can give go 45% of your income. 10. A side hustle: Side hustle is a way of making cash that allow you to comfort for your emergency time. You can also call it mini business. You always enjoy earning this and doing this. It includes different things like babysitting, walking dogs and reading for others etc. Article writing and freelancing can also under this concept. Side hustle includes all such earning activities which you are good at and enjoy doing it. 11. Don`t follow crowd: Don`t get yourself jealous of people. People always spend extras on them because they wanted to look and get thing better than other without keeping it mind that it is nothing just a wastage of money. So you can save money not to spend them on extra parties, clubs and etc. 25% of income is saved form this. 12. Set your priorities: Before saving money things which should be kept in mind is set your priorities. That in which work or thing you have to save how much because you can never save so much from a small salary. So keep 20% aside from things of interest 10% aside from your diet and 30% aside of your extra needs. In this way you can save 30% of your low income. 13. Ask for Refund: After purchasing any new equipment or vehicle if it became useless or broken due to any accident ask them to refund it, it can also save money in form of saving. Amazon also provide online refunding of their products. Savings can also be in form of refunding. 14. Get financial adviser: When you are saving money from a very low income then you need a financial adviser who will help you to set your goals in earning much and in saving them as well. Don`t feel bad about changing. Changes are for your betterment. It can be a tricky way of become a rich man. This the way of making yourself success after retirement. 15. Use coupons: Use coupons on grocery stores. Use of coupon can save a very huge amount of money. You can use google to search coupons of different products. And get 10,000 coupon at one place.
Use of coupon can save a very huge amount of money. you can find these coupons on magazines, calendars and other store promo materials. use them because they are made to be used and help you save for yourself and your family.

 Save the money to a separate account from where you send your remittances and discipline yourself not to take from this savings. Saving lies on your self-discipline and honesty. No tips would work if you will be the one who will break the rules. 
This article is filed under: Finance
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