Before spending, it is better to manage the incomes according to learners’ requirement by planning the method of using money.

Planning the method of using money is the way people manage their incomes and expenses, this method is comprised of:

1. Earn a living – everyone has to earn a living. They should work for an unearned income as well.

2. Paying – learners should spend money only for necessary ones, for example, four requisites: food, clothes, houses, and medicines, also consider the products’ quality and consistency.

Being economical, learners should learn of how to save deposits for only necessary things, for example, sickness, by decreasing their expense and increasing their incomes. Moreover, they should always repair the out-of-order equipments, and save the energy.

Having debt because of borrowing money for unnecessary payment can possibly cause the problems in learners’ and their family’s lives. However, borrowing money for worthwhile investment is considered to be acceptable.

3. Doing an income-expense memo – this is an important method in daily life for reminding of incomes and of what learners have paid for so that they can use it in planning for the payments. Doing the income-expense memo can help them decrease the unnecessary expenses, increase incomes, and save benefits.