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Can you cut down personal expenses to save money?
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[QUOTE="Rachael, post: 226366, member: 68963"] Of course, cutting down expenses is one of the best way to enhance our savings culture. This is where discipline and management of available finances comes to play. There are some people who do not have the attribute of being self-disciplined when it comes to managing of funds. When once they set their eyes on money, they tend to squander it immediately. I know of an individual who would lament of not having a dime due to excessive and misappropriation of funds yet when another money enters, she spends it recklessly, suddenly forgetting how bad it was when she had no money but she keeps on with the same habit and has the culture of begging or borrowing of money from different people. Such people do not care to refund your money when they lend it until you pester them frequently or threaten to report to the authority, before they will borrow from another person to refund. Working on a scale of preference and using the concept of opportunity cost is a feasible way of saving money while still reducing costs. At times, it is good to also improvise. For example, if you are used to eating cow leg in your food, you can change to using fish instead or chicken meat. [/QUOTE]
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Can you cut down personal expenses to save money?
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