Saving Make a saving plan - Everytime you receive an income, whethere that be from your regular salary, bonuses or sidejobs, take at least ten percent (10%) from it as your savings. Remember, savings is not the amount left after you've paid for everything. Think of savings as part of expenditure; deduct it from your salary the way you do with utility bills, rent and other necessary expenses. Write in a separate sheet all your debts, recurring expenses and future expenses (such as yearly fee for life insurance or health card). Writing everything down will help you see when you spend the most and for what purpose, and how much you must raise for future expenditures. 4. DECREASE DEBTS ONE AT A TIME The amount of debt left unpaid increases overtime due to interest rates. Many people purchase items with credit card more often than they would with cash. Always remember that it is better to buy items with cash as you are already free from obligations in the future. Some people may forget that a credit card does not do magic and a real bill comes at the end of the month - adding to your long list of financial obligations. The savings you get from doing these and other wise spending habits can add up to a fall-back plan should anything bad happens in the future. Home budgeting includes saving for about two to three months worth of expenses. This is for emergency reasons like you unfortunately lose a job or one of the family members become ill. Once you figure out where all your money is going, you can make sure that you are not wasting. Spending smart is the key towards better finances. It's a way to set financial priorities. But before you get to setting your objectives, you need to take stock of where you're spending your money today. More than ever, really give financial budgeting a try for it may open your eyes. For entertainment, you can ask friends who can belt out a Mariah Carey to sing for the night; an overly talkative officemate as the host. If you have a friend who works for the circus, don't ask him to bring an elephant for a magic show; a dove and a rabbit will do. Others List(or the remaining twenty percent (20%) of the wedding budgeting list) -Legal Papers -Invitation -Souvenir -Entertainment -Transportation -Flowers