Money tips are important in earning money as well as in saving money. There is definitely a difference between earning money and protecting what you have earned. Earning can be considered as an easy task when compared with keeping your wealth as same for a long time. Protecting your worth means not being greedy to spend money. You should spend your money by being thrifty.

There are many people who fell into the stage bankrupt because of various reasons. I do not think I should explain those, because you know well what type of bad decisions can make a person dragged into a financially unstable position.

You may be a family person or maybe an individual, both of these types should well aware about their expenditure. If your brain messages you about a waste of money please rethink that. Because we do not know what it takes to earn that much money back.

If you want entertainment or any other special party or something, Just go with some budget plans. It is worth special preparing budget plans for each event because If not you will not able to calculate the exact expenditure for each event.

What Can Be Considered As Smart Money Moves?

01. Focus On Your Financial Life.


Organizing the financial life is really easy to do if you have an idea about your expenditure. Financial life should not be revealed to the outside world while taking management of it at the same time.

If you are married expect the participation of your other half in your financial life. So to have a steady financial life both of you should get together to work on your money.

Try continuing a financial managing app or software which you can easily find on the internet. Most of that financial planner software has something to advance about more than even you imagine. So each and every person in this world is with financial goals. Achievement of financial goals only can be done via a perfect financial planner format or whatever software you like. So finally have to say that most rich people use their own way of financial planning to be under control with money.

02. Why not use a budget format.

The budget format has been a technical world money manager for most people. Money manager means taking care of your credits and debts. Balancing debits and credits is not a simple task. It will be a simple task if you could use a budget format.

I know it is not easy to start a month with zero budget. But if you can practice the effort eventually you are getting practice to do so. There is a saying that some practices do not let you until you die. It is worthy to make a money budget format and continue it until death because financial stability is everything we should expect in our future.

Just focus on a monthly budget format and an event budget format. This is all enough to make it happen when comes to budget management. The monthly budget format means keeping working on a format for the total month with debits and credits. Event planner means a format that can use on special occasions such as Christmas, birthdays, anniversaries, and the new year. The benefit of this budget format is that it can give you an exact idea about the way you have to spend your money. I would have to say that most millionaires use this method to be at the top of the list.

03. Get ready for emergencies with an emergency fund.


This emergency fund method is not a new arrival to the world. This was taken into consideration for many years. Use some of your money as an emergency fund to take in an emergency. Some emergencies such as medical emergencies come to you without previous announcements. Obviously how they can be emergencies if we know how they come to us.

So the task of an emergency fund is to bear up against such sudden volcanoes with a good financial foundation. No need to get hesitant when such an emergency hits you. You should have faith in your emergency fund on such types of occasions.

The fund can be filled using your permanent income or else you can use side income in the task. But what more important is to fill it up once used. Filling it up is more important because we do not know when the next. So try to go around with your spare wheel always.

04. Investing Money.


Only investing can make your profits other than sitting without spending. Investing means making money using a certain asset in a matter of time. Investing is the main factor that most millionaires use to climb the ladder of profits.

First, analyze the market. Then proceed with your investing plans to create a bright future. You also can have an idea about investing through the below paths
Gold as an asset in investing
real estate investing for beginners.

Other than the above options there are many ways to invest your money if you are really interested in searching some more. Also, remember to know what you involve in because investing markets crocodiles most of the time than you know. So analyze every inch of the market behavior and then step on the work. Real investors will never fail with the experience they gain.

05. Work on a secondary money flow.


A secondary money flow means a side hustle. Most of the people in this world follow a side hustle in order to keep a steady financial graph. The financial graph may vary with the different kinds of sudden spending we found in the middle of this journey. So what if we can pay those sudden ups with a side income. That would be great and perfect to travel this journey without downs.

20 side hustles to earn money in 2022 will give you an idea about what to do if you are idealess at the moment. Also if you are involved in a side hustle how to profit my side hustle 50% profitable than the previous stage can give you an idea about your profitability. Do whatever you want to do but do not lose your rich status because you want it.

Why We Should Follow Above Smart Tips.

Do you want to have money? Or do you want to save your money? Then it is the answer. You have to follow the above in order to remain financially stable. We do not like to be like a scarecrow in the middle of a paddy field. We like to walk like a pro because all of us have the same intentions to live without begging.

finally, I want to share a quote that really got my mind. “From birth, we can be poor, it is definitely not your fault. But however, if you die as a poor I blame you because it is totally your fault.” You should be the decider of your destiny, not anyone else.


If I tell you more about Salika Wijesinghe, I was a former General Insurance Analyst, a former customer service associate in a telecommunication network, Former customer service executive in a bank. Now I'm really very happy to share my knowledge with each and every one of you. Also, I represent a kind-hearted world community because I love helping people as well as animals. I hope my ideas are helpful, so you would find it easy to step forward in this life journey.

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