I have learned what happens when lack of money WarBirdsCameron Huddleston is a famous author in America with 14 years of writing about personal finance. Her articles are posted on Yahoo!, MSN, AOL Daily Finance and many other publications. U.s. News & World Report polls she is the personal finance experts should monitor the top on Twitter. On Gobankingrates, Huddleston had shared about difficult times because of lack of money.I remember that, when I had to eat lunch at home before meeting friends at the restaurant. Because I can't afford to go out to eat. But luckily, at least the housing bills, I pay the electricity and water.The poverty that has made me have better money decisions. I can control the finances yourself, live a more comfortable life at present. But the main lesson when it helped I never fell into that condition.1. Don't spend too monthly incomeToi-da-hoc-Francine-gi-while-chatting-vat-vi-us-tienHow to reduce spending will help you significant savings every month. Photo: Huffington PostWhen starting up, I don't buy new clothes every month or week would also eat outside. But after this, I realized I was too puzzled to charge in, when renting an apartment too expensive compared to the meager wage at that time.I rented a one-bedroom apartment in Washington with the price of US $ 800 per month. That price is not too high, if compared to the average price here today – 3,000 USD. But it is nearly 20 years ago, and nearly half the salary of my month.At that time, I didn't think after paying the rent, I will use the remaining number of WarBirds to spend. Life waste is the trap that one is also very easy to fall into when there is no more money. If longer use credit cards to buy the map is not really needed anymore, can you go bankrupt.After the period of insolvent, I swore never to rent large proportion to that again. I and my husband now uniformly do not spend more than 20% for money home every month.2. Know your money where to goIf you want to break the vicious circle of life only through the day, you need to know their money is going on. When the burning bag, almost forced me to track every penny themselves. For example, if I spend more than $ 50 in groceries, I know you're in trouble.After that, I know how to manage money more wisely. I don't have to track every penny every day anymore. Now I'm saving all monthly bills and the cost of style to a list on your computer. I and my husband had two bank accounts. A to pay the Bills, and one for consumers. We also regularly monitor the costs to be cut account would not.3. precautionary FundI know to take the emergency money, or the insurance money, while you also don't pay enough bills is very difficult. But I was impervious to the preparation work.My first work as interns, no benefits at all. When were young and healthy, I myself don't need health insurance. But that was a mistake. After that, I have to pluck two wisdom teeth. Though made in a clinic not expensive, I also don't have enough 500 USD to pay and have to borrow my parents.Sounds like insurance is unnecessary expenses. But believe me, that's not true at all. The expensive medical expenses over premium each month. Let's sacrifice the small current expenditures to establish funds except in cases of emergency.4. You can still have fun when life savingEven when there is no more money, there's still a lot of ways. My husband, who is also her boyfriend, and I love to ride around the city, to the Museum, free admission events, or go out with friends who also do not have much money. This reduces the pressure to go spending a lot.5. Find ways to improve the situationI very quickly realized that instead of whine too little money, I have to do to improve this situation. So I got more work Monday.Then, I had to sacrifice almost the entire time. And the new work is not related to his field. But it was worth it, because that helps me pay my life and left to save. With a salary of $ 8-10 an hour every evening and weekends, I was earning more is 150-200 USD a week. I also purchase discounts from his shop to work again.My life was probably better if I get more work from early on. After this, I always find the high-wage jobs, and trying to push annual wage to add several thousand DOLLARS each time jump work.6. Don't be discouragedI never let myself think I have to live through the day. I know your situation is temporary, as are step by step progression in career, improve financing and spending.I'm also not to think I didn't have much money do frustrated. I am very glad to have the work correctly, because your friends at parties and family always supported. And now, I feel very grateful for her difficult period has taught me many valuable financial lessons as a child, so I don't step on that way.
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