Its not surprising either given the state of the economy, it seems we are a nation of spenders that just cant stop. The worst part and the major factor of our economy being so weak right now, is that the money we are actually so happily spending is not ours!

1. Ammad Awan Glasgow

2.  Its not surprising either given the state of the
economy, it seems we are a nation of
spenders that just cant stop. The worst part
and the major factor of our economy being so
weak right now, is that the money we are
actually so happily spending is not ours!

3.  Get saving. You need to start saving as much
money as you can afford as soon as possible.
Things don't always work out the way you
want which means inevitably you will get
caught short and need some emergency
funds. Even if you can only save a really small
amount, as pathetic as it is, it will soon add
up.

4.  Pay everything on time. If you have a credit
card or a store card, pay the invoices on time.
Late fees are big fat unnecessary payments so
don't get pulled into them. They are also
common on utility bills, rent and charges for
going overdrawn catch a lot of people out
too.

5.  Set yourself some financial targets. Sit down
and think about what you want out of your
life (note: be realistic!) and then create some
financial targets, short term, medium term
and long term. Targets such as a new car,
moving into a new house and when you want
to retire.

6.  Don't be a pushover. Go out and get what
you're worth and don't let anyone try and get
in the way of you getting out of life what you
want. If you think you deserve a pay-rise, go
and ask for one. If you think you are good
enough to do a better job, challenge yourself
to do a different job.

7.  Budget. Probably one of the most commonly
quoted financial tips in the world, but it's for
good reason. A budget is something that can
literally save you thousands a year and it
takes no time at all to put together. The idea
is that you write down everything you spend
your money on and stick it in a spread sheet.