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*MONEY SAVING TIPS FOR WOMEN* Save monthly for annual bills this allows you to divide your money into 12 units. Don`t go shopping when you are hungry it makes you buy much more than you normally would. Buy what you need not what you want. Do not rely on others to manage your money even if your are a housewife you need to be involved the family management of money. File your bills by year. Don`t use money to feel good for example shopping. * Put away money in case of an emergency. Avoid using a credit card whenever possible. Live within your means. Don`t eat out too often go to a more with excessive amounts of money. This makes you spend more. Don`t eat out too often.	DEBT MANAGEMENT The first step in debt management is to stop avoid debt collectors. Because the longer you wait the more interest you pay. Pay extra every month on your debt to clear it in a shorter amount time. Dont buy things you can not afford. Spend within your means. *Apart from buying the essentials, use a large portion of your money to clearing debts.
		*PLANNING FOR RETIREMENT* Start saving early. Set a date for when you want to retire and save until that date. * Clear credit cards before you retire. Choose an investment option that best suits you. Pay off the house before retirement.
	*MARRIAGE AND MONEY* Money is one of the main sources of conflict in a marriage. You need to know how good spouse is with managing money before you get married and make financial plans. Know if your partner is in debt before you marry. Even if you are not responsible for each others loans bad credit makes it hard to acquire loans. Discuss major purchases with your partner. You must both be involved in managing your finances. You can have one joint account and personal accounts. The joint account if only for bills and should not be used for things such as hair care. Remember to pay bills on time and avoid too many credit cards. They make it easy for you to spend.

*MONEY SAVING TIPS FOR WOMEN* Save monthly for annual bills this allows you to divide your money into 12 units. Don`t go shopping when you are hungry it makes you buy much more than you normally would. Buy what you need not what you want. Do not rely on others to manage your money even if your are a housewife you need to be involved the family management of money. File your bills by year. Don`t use money to feel good for example shopping. * Put away money in case of an emergency. Avoid using a credit card whenever possible. Live within your means. Don`t eat out too often go to a more with excessive amounts of money. This makes you spend more. Don`t eat out too often.	DEBT MANAGEMENT The first step in debt management is to stop avoid debt collectors. Because the longer you wait the more interest you pay. Pay extra every month on your debt to clear it in a shorter amount time. Dont buy things you can not afford. Spend within your means. *Apart from buying the essentials, use a large portion of your money to clearing debts.
		*PLANNING FOR RETIREMENT* Start saving early. Set a date for when you want to retire and save until that date. * Clear credit cards before you retire. Choose an investment option that best suits you. Pay off the house before retirement.
	*MARRIAGE AND MONEY* Money is one of the main sources of conflict in a marriage. You need to know how good spouse is with managing money before you get married and make financial plans. Know if your partner is in debt before you marry. Even if you are not responsible for each others loans bad credit makes it hard to acquire loans. Discuss major purchases with your partner. You must both be involved in managing your finances. You can have one joint account and personal accounts. The joint account if only for bills and should not be used for things such as hair care. Remember to pay bills on time and avoid too many credit cards. They make it easy for you to spend.