am kinda new here in Qatar..but here's from my financial adviser Dr.Suze: the basic tip to saving money, is simply to GET A GRIP, focus on where you are today: what you have, what you owe..e.g., track your spending, calculate your net worth, check your credit profile, cut spending by 10%..in short, don't live beyond your means.
i understand how you feel..money is tight..you're busy..tackling money issues isn't fun..but you don't need all that stress..you can easily pull that off..make 2010 the year to find your financial confidence..take charge and good luck!
yep Mozzie a good piece pf advise! So b4 buying anything else, always ask yourself first if you need it or just wanted it, you see the big difference. It works for me. Also don't go for brands names as they just almost the same as the ordinary but you will save a lot, unless it's further reduction.
1:Avoid to purchase such items in advance which you think might be rarely used by you.
2: Try to compare product prices with similar products especially buying groceries/household items.
3: Avoid branded products maximum if possible e.g. Shirts,pants,trousers & shoes which can be purchased with very less prices in Musheirib Street,Souq Najada or Souq Area.
4: Maximum avoid eating from outside.
5: Try your luck by investing your savings as much as you can in DOHA BANK ALDANA SCHEME, AHLI BANK'S MY HASSAN SAVING CERTIFICATES or NATIONAL BONDS-UAE. May be you might get lucky and win MILLION RIYALS.
.
Sadly, I'm unable to follow none of them after getting married.
suzan, thank Allah I'm not a coffee person at all. I enjoy my Rainbow and Lipton when I'm in the mood. As for SAVING, since that is your question. I think it is pretty simple. Start from the first day. When you get your salary, ex. Qr10,000, set aside Qr2,000 in a saving account that you would open. Make sure you make it a standing monthly order, so your brain will function to accept that your salary is only Qr8,000 and you would have to manage with that. Maybe you would want to start small, but 20% of your monthly pay is a great start. Then you can increase it when you manage to settle into the saving/budgeting lifestyle.
I think it's about shopping useless things, and going out to eat.!!! ARGH!
I do:
- Cook at home, mainly for my son. I usually eat whatever we have in the fridge because I reach home after work around 4pm. My husband eats at work as he finished at 4pm as well, its great that they have a cafeteria!
- I tend to buy everything from Carrefour as its cheap, and the meat from Hyatt Plaza because it's tasty and clean.
- I tend to write what I need to cook the whole week. I prepare the meals and write down only needed ingredients because I realized I used to bring fruits/veggies that end up going to the garbage.
- STOP GOING TO STARBUCKS as much as I do. I tend to drink around 2 times there a week, and lets face it, its the most expensive place to drink a silly frappucino (not silly, but tasty YUM!)
do not spend beyond your limit. if your earing much expect that you'll expend more yeah its true.
practice to make a list before your go for shopping.
Thank you and Best wishes
**Dont get discourage when things go beyond your imagination because the greatest glory in life is not falling but rising everytime you fall. Life is what you make it**
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am kinda new here in Qatar..but here's from my financial adviser Dr.Suze: the basic tip to saving money, is simply to GET A GRIP, focus on where you are today: what you have, what you owe..e.g., track your spending, calculate your net worth, check your credit profile, cut spending by 10%..in short, don't live beyond your means.
i understand how you feel..money is tight..you're busy..tackling money issues isn't fun..but you don't need all that stress..you can easily pull that off..make 2010 the year to find your financial confidence..take charge and good luck!
instead of going to IMAX or other theaters in malls go for gulf or doha cinema
stick on QL .... its free !
instead of buying HONDA buy HYUNDAI or KIA
1-instead of buying LURPAK buy AMUL butter
2-instead of buying DELL OR HP OR SONY buy acer or fujitsu.
3-instead of repairing cars in the original company repair them to local mechanic.
money?....what is that?
----------------------------------------------------------------Give me some SunShine......Give me some Rain
Give me another Chance...I wanna grow up once Again
1-instead of having automobiles with v6 and v8 engines use cars with have 4cylinder engines - savings on gas.
2-instead of buying iphone or blackberry buy cheap quality cellphones like NOKIA.
3- instead of buying hala card worth 50 buy card worth 30
4- instead of going to Macdonald got to KFC for economical meal.
5- instead of buying syrian meat go for australian meat
6- instead of ..................................
please fill the rest of the blanks
so we can spend our money. As long as you are satisfied with your spending, go on! Jut don't spend somebody's money! Lol!!!
"I'm back, simple as that"
yep Mozzie a good piece pf advise! So b4 buying anything else, always ask yourself first if you need it or just wanted it, you see the big difference. It works for me. Also don't go for brands names as they just almost the same as the ordinary but you will save a lot, unless it's further reduction.
Goodluck!!!!
drive slow and u can save a lot of money here in qatar!!!
[img_assist|nid=17892|title=http://braveatheart.blogspot.com/|desc=|link=none|align=left|width=180|height=135]
Figure out the difference between "I want this item." and "I need this item."
That should save some hard earned riyals.
1: Give miss calls to others and let them call you to save your QTEL BILLS :P :P
2: Spend maximum time in malls to save KAHRAMA bills. :P :P
3: Visit other family or friends houses just at dinner/lunch times so you can share their food and save money too :P :P
4: Why to spend money on ADSL line when you have free ADSL LINE in parks :P :P
5: Take lifts from your colleagues to & from your house to save patrol money :P :P
1:Avoid to purchase such items in advance which you think might be rarely used by you.
2: Try to compare product prices with similar products especially buying groceries/household items.
3: Avoid branded products maximum if possible e.g. Shirts,pants,trousers & shoes which can be purchased with very less prices in Musheirib Street,Souq Najada or Souq Area.
4: Maximum avoid eating from outside.
5: Try your luck by investing your savings as much as you can in DOHA BANK ALDANA SCHEME, AHLI BANK'S MY HASSAN SAVING CERTIFICATES or NATIONAL BONDS-UAE. May be you might get lucky and win MILLION RIYALS.
.
Sadly, I'm unable to follow none of them after getting married.
:P :P :P
suzan, thank Allah I'm not a coffee person at all. I enjoy my Rainbow and Lipton when I'm in the mood. As for SAVING, since that is your question. I think it is pretty simple. Start from the first day. When you get your salary, ex. Qr10,000, set aside Qr2,000 in a saving account that you would open. Make sure you make it a standing monthly order, so your brain will function to accept that your salary is only Qr8,000 and you would have to manage with that. Maybe you would want to start small, but 20% of your monthly pay is a great start. Then you can increase it when you manage to settle into the saving/budgeting lifestyle.
Good luck!
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think of it that you will loose your job next month... surely you will think of spending a single dime!
I think; If Darude begins using the bench press, probably you will find him choking with the press bar in his throat.
expense list and I'll suggest where you could cut back or reduce expenses
In general O expenses on luxury items and 90% on essential goods.
good point LOL!
Yeah, thanks guys!
I think it's about shopping useless things, and going out to eat.!!! ARGH!
I do:
- Cook at home, mainly for my son. I usually eat whatever we have in the fridge because I reach home after work around 4pm. My husband eats at work as he finished at 4pm as well, its great that they have a cafeteria!
- I tend to buy everything from Carrefour as its cheap, and the meat from Hyatt Plaza because it's tasty and clean.
- I tend to write what I need to cook the whole week. I prepare the meals and write down only needed ingredients because I realized I used to bring fruits/veggies that end up going to the garbage.
- STOP GOING TO STARBUCKS as much as I do. I tend to drink around 2 times there a week, and lets face it, its the most expensive place to drink a silly frappucino (not silly, but tasty YUM!)
you can't save money in qatar. so try to earn more. find any good job with good salary.
stay at home, watch tv & sleep during weekends.. this is my most effective way.. :D
temper is something u cant get rid of... by loosing it...
as working parents, i have the same problem.
first i stopped using my credit card.
second, i stopped going out with friends to restaurants, since lebanese are famous on fighting over the bill, and i don't like to loose a fight:)
third, we're trying our best to have our food always at home, cooking in the evening for second day lunch/dinner.
last and MOST important: make a list for your weekend shopping and STICK to the list.
again STICK TO THE LIST WOMEN
STICK TO THE GOD DAMN LIST LADIIIIIIIIIIIIIEEEEEEEEESSSSSSSSSSSSSSS
hope this is helpful
Yalla!
Make a list of all your expenditures for everymonth...avoid wastage of groceries... make proper plan to future....control youself
GYM?! Darude.. hummmmm!!!!!!!!!!!!!!!!!!!!!
do not spend beyond your limit. if your earing much expect that you'll expend more yeah its true.
practice to make a list before your go for shopping.
Thank you and Best wishes
**Dont get discourage when things go beyond your imagination because the greatest glory in life is not falling but rising everytime you fall. Life is what you make it**
fine then stop going to gym. its worthless.
OK.. see???? around 10 post and CERTAINLY STILL NO ANSWER OR HELP TO MY QUESTION.
who said I am going to a beauty saloon every weekend? I WISH! I dont have TIME!! Being a working mom (mom to a 1yr baby boy) IS TIME CONSUMING!!!!
Khanan, can you throw them to me?
*********************
"What lies behind us and what lies before us are small compared to what lies within us."
Oliver Wendell Holmes
Stop going to beauty saloon every weekend.
sometime strike my mind???
____________________________________________________
Have Courage To Live.
Anyone Can Die.
damn you man now what has fart to do with expense :D
I need to throw away the Credit Cards...thats the main reason for my high expenditure.
____________________________________________________
Have Courage To Live.
Anyone Can Die.
Did you said stop farting?
Go to shopping malls.
Stop eating fast food.
and stop surfing too so you wont go for online shopping.
no shopping!!!!! :(
...listen to the sound of silence....