Throwing money through the window because I don't know how to manage spending on the following three issues

We all want to have a comfortable life and have a small savings when we get old to use it. However, to get that savings, even when you're young, you have to work and save money. This seems like a small challenge for many people. Although it is difficult, but it is not possible that you cannot do it if you learn from successful people and try your best, you will surely achieve your goal.

Grant Sabatier, 30-year-old self-made millionaire, once shared, we humans often spend too much money on three main issues: housing, vehicles and food. These are three issues that are of great interest to people and they think we need to spend a lot of money on these things because we have to use them all our lives. This is not entirely wrong, but you can still spend less on those costs, to make a difference.

1. Housing

Our grandparents have the phrase ' An occupation of good karma ' which shows that houses are an extremely important issue for anyone in this life. Of course, no one likes to live their whole life in a rented house, everyone wants to have a private apartment, a nice, beautiful house. So using an appropriate amount of money to buy a house is always a headache for many people.

Many people want to have a big house to give with their friends, but they have spent a large amount of money to buy a house without thinking about their current financial ability, this is indeed wrong, you Should review before this decision. To save, start by looking for a place where you can meet a minimum of 30% of your expenses, or less than your income tax.

Because almost not everyone can afford to pay the rent in a short time. If you really want to save so that you can have a small amount later in life, then you should limit the cost of housing, when you manage well in this spending, you will less worry about borrowing to pay.

Remember, wealth like Warren Buffett - the billionaire who holds the second largest asset in the world still lives in an old apartment in Omaha for decades. Even that house is only worth less than 0.001% of his assets.

2. Means

After housing, the vehicle is also an important thing and is the second largest expenditure of every family. Perhaps not surprisingly, the number of people who borrow money to pay for vehicle costs is increasing every year. Even the amount of shopping and maintenance of transport of some families is higher than the cost of education.

Owning a good car is a great thing. But consider your finances before choosing to buy, because when you buy a big value car, your finances aren't enough, forcing you to pay for that car, and the money you pay can last up to 5 - 6 years, this is indeed a waste. So, when deciding to buy a car, make sure you can pay the full amount immediately or only extend the loan for a maximum period of 3 years. Fortunately, you can save.

3. Food

Food is essential in this life. According to a survey by Business Insider magazine, eating and drinking accounted for 43% of each family's annual expenditure, a clear problem that could be more economical. Saving costs for food does not mean you have to cut down on rations or eating hard .

Instead, save on unnecessary items such as expenses for fast food items or buy a large amount of food that cannot be used up. Before going to the market, you should calculate in advance the number of people eating and the amount of food that is available at the meal to avoid excess food, causing waste.