Spend Money or Save Money

Not everyone can save money. It needs willpower, intelligence, and a little bit of accounting skills.

Some say one shouldn’t save money, instead he should earn money. 

If you are saving money, first you need to earn that money.

How to manage finances to not be in debt of anything.

First of all you need to plan beforehand all your expenses, fees. You need to separate and calculate for instance all your monthly payments. Then calculate how much you can let yourself spend money on food, clothes, restaurants, gifts, products, home-goods, gas, travel etc. You have to sort this list from primary to secondary. 

Then if there remains anything in your wallet you put the remaining amount in your savings safe.  

And the money you saved will help you some day, believe me. 

By planning your finances you can achieve any goal you want. 

I don’t mean you have to count every penny, no, the opposite, you should be generous, but at the same time be wise.