money             There are some money tips which are so simple that most people seem to have forgotten about them. And that’s likely why a large majority of the population don’t save for their retirement, don’t have enough money to recover from a financial emergency and tend to rely on credit. There are some lifestyle and money tips which have been around for many years. The reason they’ve been around for so long is that they are always true. Take this piece of advice, found in an old Quaker newsletter: "Live beneath your means. Return everything you borrow. Stop blaming other people. Admit it when you make a mistake. Give clothes not worn to charity. Do something nice and try not to get caught. Listen more; talk less. Every day take a 30-minute walk. Strive for excellence, not perfection. Be on time. Don't make excuses. Don't argue. Get organized. Be kind to people. Be kind to unkind people. Let someone cut ahead of you in line. Take time to be alone. Cultivate good manners. Be humble. Realise and accept that life isn't fair. Know when to keep you mouth shut. Go an entire day without criticising anyone. Learn from the present. Don't sweat the small stuff. It's all small stuff." Now, not all of that is money advice. But the parts that do relate to finance stand the test of time. And these are important to take into consideration because you want to be financially secure when you’re older without having to worry about things like working, paying the rent and searching for affordable medical aid schemes in South Africa for pensioners. Some examples of simple money tips include: 1. Live beneath your means This one is simple. Always spend less than you earn. It’s the number one rule to ensure your financial success. Invest the difference between what you earn and spend, and try to make this gap between the two as large as possible. 2. Return everything you borrow When borrowing money, whether from a friend or from the bank, return it as soon as possible. Better yet, don't borrow money at all. Keep point number one above in mind; by spending less than you earn, you’ll never have to borrow money. 3. Stop blaming other people No one can want the best for your money and your future more than you do. Don’t blame other people if your money isn’t working for you. You need to do the work to ensure your money is put to the best possible use. 4. Give clothes not worn to charity Don’t keep clothes in your cupboard and items in your home that you’re not using. Rather, donate these items to charity or sell them for some extra cash. There is always someone who can make use of your unwanted goods. 5. Be on time This lesson is appropriate to money in numerous ways. You need to ensure you pay bills on time, particularly ones which accrue interest. Another time you should be on time is when considering deadlines like tax season. Every year, once you’re working, you’ll need to submit your tax returns. 6. Don't make excuses Again, you have no one to blame but yourself if you aren’t in a good financial position. Once you’re earning a good income, you’ll need to put processes in place to ensure some of that money is saved for your future. 7. Get organised This is appropriate for moments like filing your tax return. You’ll need to have all necessary receipts on hand and it’s no small feat to save these throughout the year. 8. Don’t sweat the small stuff When it comes to your finances, make decisions for your future based on the advice of people who know better than you. Don’t feel like you need to understand everything. It’s their job to understand what’s happening and give you the advice you need. Image: Pexels