4 of these methods that I usually do every day.

1. Discipline Arranging money

Managing finance is not difficult. The main key is the discipline of managing money. When you decide to save money, make sure you save not only last a week, but can continue. Discipline managing money in a simple way such as shopping according to your needs. Then, discipline also to save and invest in preparation for your future financial needs.

2. Record Expenditures Periodically

Care about income and thinking about how to increase income is good, but also learn to pay attention to your expenses. This method is important so that your frugal life runs in balance. The simple way is to provide a small notebook specifically for your daily or weekly financial records, or you can use notes on a smart phone notebook.

Routine, record all daily expenses, or per week for a month. Do a simple analysis of your monthly expenses. Give a sign for expenses that are mandatory, not mandatory, and complementary. Re-evaluate for expenses that you can press, or save. Suppressing monthly expenses is one of the most effective ways to save money.

3. Prepare an Alternative Account

Do you know the benefits of alternative accounts? Having an alternative savings account can help you save money and manage your money better. A simple way to do and a positive effect on your finances. Make it an alternative savings account without ATM card access. Every time a savings account receives a monthly salary, immediately transfers a certain nominal to an alternative savings account, or just activate the automatic transfer option so it doesn't bother sending manually. Don't forget, every time you receive a bonus, immediately deposit your money directly into an alternative account.

Tips, forget you have excess money in an alternative account so that the money you save is not depleted by the desire to shop outside your needs. Money in this alternative account is only allowed to finance your urgent or emergency needs.

4. Apply the Envelope System

The envelope system is one of the easiest ways to manage finances properly. This simple method is powerful enough to save money. You just have to prepare a number of envelopes and give names to each envelope. For example, the cost of food, transportation, electricity and water, entertainment. Then, enter the money that you have budgeted for, try to use the money that you have budgeted.