Ask Dr. Money

Let's look at your spending diary.

You used up most of your money at the beginning of the week.

Here’s my tip. Don’t carry around all of your weekly allowance.

Divide the money into days.

Then carry only the money you need for each day.

In the last few weeks, you spent 80% of your allowance and only saved 20%.

I think you’ve been spending too much. To save money, you need to have a tighter budget.

For example, you can follow the 50%-40%-10% rule.

Save 50%, spend 40%, and donate the remaining 10% to charity.

By following the rule, you can manage your money better. Then you can save money faster to buy the ticket.

Buying things on sale is good if you buy things you need.

In your case, the problem is that you buy things you don’t even need.

Here’s some advice. Before you buy

something, ask yourself, “Do I really need

this?”

Also, before you go shopping,

make a shopping list.

Don’t buy items

that aren’t on the list even if they’re on

sale.