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6 Money Management Skills to Learn

7 Money Management Skills to Learn

Could you still remember the first time you received money from your parents? So what did you do then with your money? Did they tell what you should buy and what you should not?

We are not born with money management skills. In the period of growing, we eventually learn how to manage things we possess based on experiences. Consequently, there are lots of people nowadays having trouble with finances due to the lack of vital knowledge on how they would handle their money.

So if you are pursuing to be a good steward of what you received and what you acquired whether a small or big amount, there are seven money management skills for you to develop in a different perspective.

Do the Math

The concept of “greater than, less than and equal to” your income is a logical way of dealing with your money. It is simply acknowledging the amount you have on hand or earnings and the amount of your expenses.

If INCOME is greater than EXPENSES, then you have extra for saving. If INCOME is less than EXPENSES, you are in terrible deficit. Thus, it leads you to lend money. Now, if INCOME is equal to EXPENSES, then you are in a terrible disaster in case of emergency.

Set up a budget

One skill in setting up a budget is making sure that there is more to save. Making a list of all the expenses and things to buy with corresponding prices will help you avoid unnecessary spending and give you an ideal estimation of your total expenditures.

During instances that a stuff you’re going to buy is out of stock or its price suddenly increased, makes it easier for you to adjust your budget. Recognizing “out of budget” is a good money management skill. In example, you want to buy a TV and video player. Since it is out of your budget, the positive remedy for you is to buy first the TV then the video player would be on the next payday. Though it’s tough, it makes you disciplined and it keeps you away from debts and budget deficit.

Differentiate the need from want

You are prone to incur debt and budget shortfall if you suppress your budget because of wants. You have to prioritize first what you really need. Wants are not bad as long as it doesn’t overwhelm your budget. You would always have many chances to buy your wants in the future. It’s a matter of controlling and disciplining yourself.

Expensive versus cheaper

Being practical in spending is very helpful in saving and in stretching your budget. Some people love to buy branded shoes or clothes just to meet their wants. Later on, they will end up in a crisis for nothing has left to be spent.


This is the top priority above everything in budgeting. Savings assure you to have something to be used in case of emergency.

Pay in cash

Always put in mind to get rid of debts. If you can afford to buy it, then pay it in cash.