Did you overspent your budget this month due to petrol price increase? Whether you want it or not, we are forced to change lifestyle. Easier said than done, nowadays, it seems like every penny counts. If you spend more than you earned, you are in trouble. You are attracting debt. You may not want to see this happen to you, The Magic of Starting Small "Debt", without proper self-control and budgeting, small debt become big debt, when you have more debt, you will dig more hole to cover the first debt, when you are out of hole to cover, you will seek help from family, friends and relatives. Your one problem matter is now everybody matter. What if they have no family, friends or relatives to help? even good guy become bad guy, human being will do anything to survive, our nation crime rate will increase. This is no more one person matter but a threat to society. Now we can see the magic of starting small debt.

Where else, Sticking to a budget can be difficult, but with so many commitments on hand you have to be extra cautious. Everyday TV, radio and newspaper ads are mining information to our mind to buy this and that. STOP your urge and wait for a week or two, the urge to buy the new thing will gone. Even if you overspent this month, here's where you can apply The Magic of Thinking Small Idea - Trimming small expenses.

Don't under estimate trimming small expenses, if you can cultivate this habit, you can actually find yourself saving maybe a lot or maybe enough for you to fill another full tank petrol for the rest of the weeks. For example, some may sounds uneasy but worth trying,

1. Go to your car and get the car's manual and flip through the pages to look for the recommended maximum tire pressure. A simple math here, for every 8 PSI you add to any tire, you improve your petrol usage by 1%, most of the car tire is 10-12 PSI below the recommended maximum. If you airing up your tires, you can actually save 6% of you petrol usage. If petrol costs RM2.70 a litre and your car need 10 km per litre (for easy calculation) over your next 10,000 km, you can actually save approximately RM162.
2. If you get your haircut every 4 weeks, probably you can go on the 5 or 6 weeks instead. This may save you a few cut a year.
3. Credit Card balance transfer: shop around and transfer a balance to a low-interest rate card.
4. Borrow instead of buying book.
5. Renting a video instead of going for movie.
6. Purchase a ready-made meal instead of going out for dining.
7. Look out for customer reward program.
8. Use CFLs instead of light bulb, because a light bulb use 75 watt which is equivalent to 26 watt CFL, save 50 watt.
9. Terminate your fitness monthly bill where you don't visit regularly.
10. Subscribe ASTRO only the channel you watched most.
11. Unlimited text messages or unlimited phone call or unlimited broadband, if you are not using unlimited, then choose a cheaper package.
12. Cancel your caller ring tone or any other stuff on your handphone which you think is not needed (those unnecessary service).
13. Taking your lunch to work.
14. Carpooling, walking or cycling.
15. Stop smoking.
16. Dating and Romance at zero cost in my old post –> Ways to romantic without using money
17. I run out of idea, is now your chance to show your creativity.