when to buy...

How to Save Money?

Deposit a portion of your income in a savings or retirement account. Don't accumulate new debt, and pay off any debt you currently have. Establish a realistic timeframe for your savings goals. Create a budget and keep track of all your expenses. Invest in the stock market only if you understand the ins and outs of the gambles you make. Spend money only on the essentials, and look for cheaper options where available, from housing to food, transportation, or energy usage. Save for an emergency fund. Spend money on luxuries only occasionally.
For instance, on an income of $3,000 per month, we might budget as follows:

• Housing/utilities: $1,000

  Student loans: $300

  Food: $500

  Internet: $70

  Gasoline: $150

  Savings: $500

  Misc.: $200

  Luxuries: $280

  http://www.wikihow.com/Save-Money

How to Make Decisions

We make decisions every day; everything we say and do is the result of a decision, whether we make it consciously or not. For every choice, big or small, there's no easy formula for making the right decision. The best you can do is to approach it from as many perspectives as possible and then choose a course of action that seems reasonable and balanced at that time. If you have a big decision to make, it can seem daunting. But there are some simple things you can do to make it less intimidating, such as identifying the worst case scenario, making a spreadsheet, and following your gut instinct. Keep reading to learn more about how to make decisions:

Write about your fears

Identify the worst case scenario

Consider whether the decision you make will be permanent

Stay calm

Get as much information as possible

List all of your options

Make a spreadsheet to weigh the potential benefits and losses of your decisions

Learn to distinguish between an impulse and intelligent decision

Source:(www.wiki.how.com)