Have you ever thought how it works that some people have a little money, and they never complain about it, and some have a lot and they can barely manage monthly bills? Or how really reach people manage their money? The key word here is MANAGE YOUR MONEY.

This article might be something you already know about or it might be completely eye opening information. The thing is are you already doing something with your knowledge or are you going to use what is so repeatable with those who manage their money wisely?

MONEY MANAGMEN NINJA is my tips, information and inspiration for you, on how to manage your own or family money effectively and sucesfully.

Let’s start with the fact that most of the people spend more than they earn, and the more they earn the more they spend. The trick is to spend much less than you earn, investing the rest. Let me introduce you to 6 jars system, where you can simply divide your money to six different “jars” or subaccounts before you even get an idea what you are going to spend them for 😉

You can find more information HERE 

JARS System of Money Management

55         Necessity Account (NEC – 55%):

        This account is for managing your everyday expenses and bills.
This would include things like your rent, mortgage, utilities, bills, taxes,
food, clothes, etc. Basically, it includes anything that you need to live, the necessities.

jarply       Play Account (PLY – 10%):

PLAY money is spent every month on purchases you wouldn’t normally make. The purpose of this jar is to nurture yourself. You could purchase an expensive bottle of wine at dinner, get a massage or go on a weekend getaway. Play can be anything your heart desires. You and a spouse can each receive your own play money, and not even ask what he other person spends it on!

jarffa     Financial Freedom Account (FFA – 10%):

This is your golden goose. This jar is your ticket to financial freedom.
The money that you put into this jar is used for investments and building
your passive income streams. You never spend this money.
The only time you would spend this money is once you become financially
free. Even then you would only spend the returns on your investment.
Never spend the principal.

jaredu   Education Account (EDU – 10%):

Money in this jar is meant to further your education and personal growth. An investment in yourself is a great way to use your money. You are your most valuable asset. Never forget this.
Education money can be used to purchase books, CD’s, courses or
anything else that has educational value.

jarlts Long-term saving for spending Account (LTS – 10%):

Money in this jar is for bigger, nice-to-have purchases. Use the money for vacations, extravagances, a plasma TV, contingency fund, your children’s education etc. A small monthly contribution can go a long way. You may have more than one LTS jar. If you have more than one LTS, divide the 10% between the jars according to your priorities.


jargivGive Account (GIV – 5%):

Money in this jar is for giving away. Use the money for family and friends on birthdays, special occasions and holidays. You can also give away your time as opposed to giving away money. You could house sit for a neighbor, take a friend’s dog for a walk or volunteer in your community or for your favorite charity.

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