I think we can take more attention to offers from the
credit cards, super markets, travel agencies, etc. Especially the banks. When you apply for some cards, you will get many items, such as the cash coupons. There are also many discount offers if you are some card members of the bank. You may at least get 10% off for dining.
(a) Be sporty: invest time on sports to minimise future medical bills. Most sports require little money but very rewarding. Daily exercise in the park is free. Hiking only incur transport expenses. Definitely good for whole family, rather than going hanging around, eating in shopping centres.
(b) Be mean and save: don't spend money on anything except on necessary basic items such as food. Don't buy toys for kids, bring them to the nearest library. Learn to be very selective on dining-out, overseas travels, fashion, friends' gathering/ entertainment e.g. karaoke, gadgets ...etc.
(c) Plan for the future: get you and your family covered by basic insurance plan. Own an affordable flat via mortgage while you are yound and still have a job.
(d) Develp a learning attitude and reading culture for your family: knowledge is power. Learn to invest. It will help your family to avoid future financial problems. You learn a lot from good writers who are willing to share their wisdoms. So you get "rich" not in money terms.
Learning = earning.
Having said that, I am still overcoming my laziness to spend more time on sports.
I think we have to gather more information from the market before making a decision to manage our money. For example, to apply for credit card, try to compare the different package offer by the banks. To purchase electrical appliances, try to compare at least 3 retail outlets.
Most importantly, we have to make a portfolio of our expenditure and savings. Should we have surplus monthly, we can think of investment. Nonetheless, we should keep a certain amount of reserve in case of emergency. Recently, I have joined a game for a money management planning. The game gives me a thinking process to develop my approach to manage my financial resources.
Having said that, I am still overcoming my laziness to spend more time on sports.
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