It's a little bit different if you separate the use and the waste. These are uses. These are wastes and are often indistinguishable from black and white. It's the same thing when you buy the same product, but for one you want to use it and for another it is a waste.

For example, two women buy expensive make-up. One is a movie star. The other is an ordinary employee who is not a movie star. The movie star buys it because she needs it. It is money spent on work. As a princess, you need to have a beautiful face, don't you? His poor income is due to his good acting. Not only sound education but his alertness and dedication too are most required. If an ordinary maiden envies the princess and buys the make-up (unless there is any obvious benefit other than just wanting to be beautiful) it is a waste. You should buy something that is affordable and of good quality. You can also apply a thin layer of Thanakha water.

So, how do you differentiate between use and waste?


(1) Is it necessary? Do you want to?

Before you spend money, you need to ask yourself honestly whether you really need it or not. Is it just what you want? If you just want it, it's a waste.

In the example above, the princess needs good makeup. For female employees, just want.

Before spending money, ask yourself if this is important for your life. Or is it needed for a source of income? If it is not mortal, If not, waste it. Do not withdraw money.


(2) Is it cheaper? Is it expensive?

Yes, it is necessary. Do you have to pay so much? Are there any more expensive places? Need to buy now? Would it be better to buy at a discounted price? Or should you just go with the flow? Cheap and easy are the names of the game. You have to think about things like You have to calculate. You need to make the cheapest choice to meet your needs. It's free of charge.

For example, you need a mobile phone to be able to communicate at any time for work. Need to buy the most expensive phone?

Yes, eating for a living. Need to eat at an expensive restaurant? You can cook healthy food at home cheaply.


(3) Will it be repaired? Buy a new one?

It is also a waste of time to buy something new that you can easily afford.

For example, if your current phone breaks down, try to fix it. Buy new ones when you really need them. Clothing Shoes Includes all accessories.


(4) Are you saving? Is it rough?

Yes, it is used because it is necessary. Are you saving? Unregulated use?

For example, if you leave the room and spend less on air conditioning and electricity, you will spend it. This is also a waste if you have an excess of home-cooked food and constantly spill it. It's a waste of time to throw away what you bought.


(5) Do it yourself? Will you ask others?

Yes, it is necessary. Will you ask others to pay? Do it yourself? Use it if you have other people who are doing more paid work. Or if you are bored and ask others to do it, it is a waste.

Here's how to put one together for use with your project.

But those who can afford it can. I do not want to blame those who can afford it. But spend it when you can afford it.


(6) Spend when you can afford it.

So let's see who can afford it.

I have written many times that not every good income should be wasted.

Do not waste your hard-earned money on education. Do not waste your hard-earned money. Save and invest that money. Money that can be invested; In other words, you have to spend money and make money.

There is no need to do anything. Money from renting a house; Some half of the bank interest; Profit from company shares; You do not want to be frustrated if you cannot get the right pitch so invest in a good capo.

If you do not have debt, you can spend less. With 30% left over, you can save up to 5% to 10% of your income. You should never spend money on loans or loans.

For example, if your income is 10 lakhs a month and you do not have any debt, you can save between 50,000 and 100,000 a month as a waste of money. But save 30%, which is 30%, and spend the extra money.

So how do you tell the difference between use and waste? Even if you want to spend it, you know that you can spend it anytime, anywhere.