How to Control Spending with your Friends

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 <h3>  </h3>   You are a young professional. A couple of years out of college and you nailed a nice job. What is the best part of it all? Being able to spend your money to buy what you want and have fun!  That’s awesome indeed. We deserve some treats after our hard work. You earned it. However, you can’t forget your responsibilities and most important you don’t want to spend everything and gain loads of debt. So, to help you navigate and keep your finances under control, here comes some good practices to include in your daily life:  Start a budget: Keep track of your obligations and expenses. There are lots of tools available to help you organize your financial life. Click here to try YBP. (link) Know your monthly expenses: make sure your bills are paid and how much of your salary is used up by them.  Pay your loans: don’t create bad debt (loans or credit card expenses you can’t pay off). Make sure you can always make your payments easily) and quickly. Talk to an advisor to pay your loans and become debt-free as soon as possible.  Go easy on Credit Cards: now with tapping, plastic money or digital money (Apple Pay) you can be your best friend or your worst enemy. Use it wisely. Control your cards to avoid debts and interest payments. Don’t let the snowball effect gets you.  Dine out & Happy Hour: we love going to a pub and drink with friends whether after work or on the weekends. It’s fun and pleasing. You can do it, but keep in mind these are indulgences. It’s wise to plan for the night's outs on your budget, have a limit to spend and think twice before trying to be the best friend at the table buying drinks for everyone.  We love Sales: as a professional, you need a good wardrobe. Instead of buying fashionable brands, stick to the bargains. special sales, discounts, thrifty stores. Have Goals and a Plan: with a nice job, you can plan to buy a new car, travel on your vacations and eventually buy a property. Keep the saving spree on your mind. Figure out a rough or accurate estimate Every month save at least 10% of your salary to fulfill your dreams in the future. Never use a direct percent. It is too vague unless starting off.  Good budgeting uses more accurate figures. Emergency funds: it’s never too early to start an emergency fund.  Make sure to create a reasonable amount, not a minimal amount. You can seek help and advice from your parents, your bank manager or a financial advisor. It’s up to you to make good choices for the unexpected.  Don’t Indulge in experiences you can’t afford because everybody is doing it. Be wise and learn how to have fun without compromising your budget.    Want to try our program?  Sign in for a free trial!  *Add CTA*   Review: KJ/DB
 
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How to Control Spending with your Friends

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