The state of lessening household’s expenses, family’s debt, or the unbalance between incomes and expenses has causes people troubles. Preventing and solving these require only 2 principles: decrease expenses, and increases incomes. Decreasing the expenses can be done by listing all of the family’s expenses and cutting off the unnecessary ones. All of the family’s members have to participate, because it will be useless if one is economical but another is still luxurious. It is important for all of them to understand and after being able to decrease the expenses, everyone should do the balance between the incomes and expenses. If there are more incomes than expenses, they should pay some in order to release from the debt and keep the rest for the emergency, such as sickness, or accident, etc. If their money is still low, it is better to think where to find to increase.

In conclusion, there are 3 ways of using money:

1. Use it as people want, spending while having, and stop buying when lacking.

2. Use it according to the lists, for example,

- Foods and clothes

- Medical treatment fee

- Charity

- Keeping for a future or for emergency

- Children’s tuition fee

etc.

3. Use it according to the plan, which is considered to be the rightful way and can be used in planning of family’s expenses. Things to be done for family’s expenses can be divided into 3 parts which are

- Doing income-expense memo

- Being economical

- Saving

It is a must that family has to plan for earning and spending so that they can have enough money for truly necessary things and for its happiness.