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Controlled $pending 1. Realise that nothing is a good deal if you can't afford it 2. Recognise that God isn't behind every good deal – learn to exercise self-control! 3. Understand the difference between spending money and saving money Saving is setting aside money for a future purpose. Money that's saved stays in your wallet or the bank. It can be used for other purposes, including your needs or others'. Money that's spent leaves your hands and is no longer at your disposal. Remember that eighty dollar sweater on sale for thirty dollars? If you think you saved fifty dollars you still don't get it. Show me the fifty dollars you saved. It doesn't exit. Keep "saving" like that and you'll soon be broke! 4. Look at the long-term cost, not just the short-term 5. Pray before you spend on larger items 6. Examine every purchase in light of its real value or ministry potential 7. Understand and resist the manipulative nature of advertising 8. Learn to walk away from things you want but don't need 9. Realise little things add up 10. Set up and live by a feasible budget




$hop $mart

1. Shop once a week (or fortnight) only 2. Take a list

3. Avoid the quick dash into the supermarket on the way home. You can never buy one thing in two minutes and be out. It will take at least 10 minutes and you will probably buy five things! 4. When you run out of something prior to shopping day, try and make do. Most of us have jars and packets in the cupboard we never empty, use what you have and improvise 5. Buy the supermarkets' own brands - for example, Home Brand for staples - flour, eggs, sugar and so on. House branded goods can save you around 10% 6. Shop around - the supermarket is rarely the best value place to buy meat and fresh produce. Find a local supplier for these items 7. Try the Chinese or Indian supermarket in your area, some items will be substantially cheaper than in the mainstream supermarkets 8. Keep a price book - 'Alphabetise' a notebook; write in all the products that you usually buy and their prices to accurately determine when something is on special (supermarkets often put labels up even if the price hasn't been adjusted). When competing supermarket mailers come through the letter box, you can choose where to shop 9. Shop with cash; if possible withdraw the amount you would normally spend. Anything you save becomes 'grocery surplus'. Put it in an envelope in a safe place 10. Each week what you save goes in grocery surplus. Use this fund for bulk buying on specials, paying unexpected expenses 11. Avoid semi prepared products and ready meals - anything you can realistically make yourself

Unidus newsletter Dec 2006 pg3  

Unidus newsletter Dec 2006 pg3

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