“I no longtaem i pas, mi go long wan stoa jes blong luk sipos i gat eni samting we mi laekem. !Taem mi kamaot mi pem wan samting we i sas tumas we bifo mi no gat tingting blong pem!”—Colin.

 Colin i talem se hem i gat trabol long saed blong yusumgud ol mane blong hem. ?Yu gat sem problem tu? Sipos yes, haf ya i save halpem yu.

•  ?From wanem i gud blong yusumgud ol mane blong yu?

•  ?Olsem wanem blong mekem?

•  Sam yangfala oli talem wanem

 Tingting we i giaman: Yu no fri taem yu tingbaot tumas ol mane we yu stap spenem.

 Tingting we i tru: Taem yu yusumgud ol mane blong yu bae yu kam fri moa. Buk ya I’m Broke! The Money Handbook i talem se: “Moa we yu save fasin blong yusumgud mane, bambae yu gat inaf mane blong pem ol samting we yu wantem naoia mo long fiuja.”

 Tingbaot: Taem yu yusumgud ol mane blong yu . . .

•   Bambae yu gat moa mane long taem we yu nidim. Wan yangfala gel we nem blong hem Inez i talem se: “Mi wantem se wan dei bambae mi go long Saot America. Taem mi stap sevem mane blong mi, mi traem tingbaot plan ya oltaem.”

•   Bambae yu no gat tumas kaon blong pem. Baebol i talem se: “Sipos yu kaon long wan man, bambae yu kam slef blong hem nao.” (Ol Proveb 22:7) Anna we i gat 25 yia i agri, hem i se: “Kaon i save kontrolem yu. Taem yu no gat kaon yu fri moa blong tingbaot ol mak we yu wantem kasem.”

•   Hemia i soem se yu yu wan bigman finis. Ol man we oli yusumgud mane blong olgeta oli stap rerem olgeta from fiuja, taem oli kam bigman. Gel ya Jean, we i gat 20 yia i talem se: “I wan gudfala trening blong fiuja, taem bae mi laef mi wan. Mi traem blong yusumgud mane naoia blong mi save mekem sem mak long fiuja.”

 Samting we i impoten: Buk ya The Complete Guide to Personal Finance: For Teenagers and College Students i se: “Sipos yu stap yusumgud mane blong yu, hemia faswan step we bae i givhan long yu blong yu save laef yu wan. Taem yu gat gudhan long fasin ya bambae i givhan bigwan long fullaef blong yu.”

 Save slak fasin blong yu. Sipos yu luk se oltaem yu stap ran sot long mane, fastaem traem faenemaot se mane blong yu i go wea. !Problem blong samfala hemia se oli pem samting tru long Intenet oltaem. Mo sam narafala oli spenem smosmol mane oltaem gogo kasem we oli no moa gat mane long en blong manis!

 “OI smosmol mane we yu spenem evri dei i save kam bigfala mane. !Pem wan smol presen long ples ya mo longwe, go from cofi, pem narafala samting bageken long wan spesel praes, afta long en blong manis mi no moa save se 10,000 vatu blong mi i go wea!”—Hailey.

 Mekem wan badjet. Baebol i talem se: “Man we i mekem gudfala plan mo i stap wok strong long hem, hem i save kasem plante samting.” (Ol Proveb 21:5) Taem yu gat wan badjet, bambae yu save se ol mane we yu spenem i bitim ol mane we yu stap kasem.

 “Sipos yu spenem moa mane i bitim hemia we yu kasem, faenemaot se yu stap spenem mane blong yu long wanem, mo yu aotem ol samting we yu no nidim. Yu gohed yu katemaot ol samting long lis blong yu go kasem we yu luk se mane we yu gat i bitim mane we yu stap spenem.”—Danielle.

 Folem plan ya. I gat plante rod we yu save folem blong stap jekem mane blong yu mo blong no pem ol samting we yu no nidim. Hemia sam samting we sam yangfala oli luk se i givhan long olgeta:

•  “Oltaem mi putum mane blong mi i go stret long Bang from we mi save se bae mi no save yusum tumas taem i stap long bang.”—David.

•  “Taem mi go long stoa, mi karem inaf mane nomo. Long rod ya, mi no save spenem moa mane olsem we mi wantem.”—Ellen.

•  “Taem mi wet longtaem moa bifo we mi pem wan samting, hemia i givhan long mi blong tingting moa se mi nidim samting ya o no.”—Jesiah.

•  “!Mi no nid blong go long evri kakae we oli singaot mi blong go long hem! I stret nomo bong talem no sipos mi no gat inaf mane.”—Jennifer.

 Impoten samting se: Fasin blong yusumgud mane i wan wok ya. Colin we yumi tokbaot finis, i stat blong luksave samting ya. Hem i se, “!Sipos wan dei mi gat wan famle, bae mi no save spenem mane olbaot! Sipos mi no save yusumgud mane naoia we mi stap mi wan, bae i gat problem taem mi mared.”