How do you budget your money? do you save your money or spend your money?

There are many differences between both time and money management. By using time management skills you can save money. The way people spend their time reflects on how they spend their money. Both time and money are scarce commodities. People who succeed and get many things done in a day know how to manage their time properly. Time and money go hand in hand.
If a person can manage their time well then they will save money. When people manage their time they can look at the best prices for an object while people who try to get too many things donein one day do not have time to look at the best prices.
They way a person spends their time shows how they spend their money. People who waste their time throughout the day usually are people who waste their money. People who use their time wisely usually are people who spend their money wisely.
Time and money are both scarce commodities. Since time is limited people must learn how to spend their time wisely. Money is also scarceso people must spend it wisely.
People who manage their time properly usually get more things done than people who waste their time. When a person manages their time they will be able to put more effort into what they are doing than others who try to accomplish more things then they can in one day. People who manage their timeare more likely to succeed throughout their life than others that do notmanage their time well.
If a person wants to save their money the best thing to do is to learn how to manage their time well. Time management skills will not only help you be organized and save money but they will also help you succeed in life. Would you agree?
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Here’s a question for you. Where do you see yourself in 10 years time? Nice house, car etc.? How much money would you need to have saved by then to make a down payment?

So lets say that you need $20,000 in 10 years time for a down payment, so that would mean you need to save £2000.00 per year or £166 per month.

The same is true for spending. Wouldn’t it be a shame if in 10 years time you had spent $20,000 but could not remember where it went? What would you do then?

Invest a few dollars in a book by Alvin Hall on how to manage your money. You can get it on Amazon. I took his advice in my 30’s and now have my own house.

Good luck, and remember to save your money.
Elizabeth
References :
http://www.amazon.com

I strictly budget my money. I put money into my retirement, straight out of my check. I cover all my necessities first: house, car, utilities, insurance, credit, car maintenance, and some savings. That money goes into a checking account and I pay all my bills out of it electronically. No ATM card for this account.

From that account – money is deposited WEEKLY into a local account. I use this for car fuel, groceries and fun. It is my "cash only" account. I check the kitchen for what I need and do my grocery shopping first. Then I get gas for the week. I may buy clothes or go out to eat with what is left. No more money, no more fun. If I have any extra, I sock it away for special occassions. Since I move this money over weekly, I only have to suffer for a couple days if I blow through it too quickly.

I use credit cards for emergencies like car repairs. But I pay it off using the money that I put in the first account.
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Struggled with money in the past, really have control of it now.