1. Do not rush. Errors occur most often when a job is done in a hurry. If you can not finish everything, at least make the most important things correctly.
2. When in doubt, ask. Inadequate communication is a real “sink” where time flows. Be proud of a job well done, not the ability to guess what is required. Ask is much faster than trying to mend.
3. Put on paper. We all need help – reminders – to prevent a myriad (unspecified amount, but very great) of essential tasks to die of neglect. The pen is mightier than the sword – and write much better.
4. Organize your work area. A well organized workplace is not a sign of a sick mind, is a sign of an organized mind. People are more productive at work when everything is arranged in an orderly fashion.
5. Plan your day. Plans are rails that guide you through the distractions of the day and keep on course. Plan early on what will make during the day, review the progress at regular intervals, and measure the results at the end.
6. Schedule your tasks. Work List “to” only show their intent to work on them, but to schedule important tasks reveals a commitment to complete them. Commit to yourself to work on tasks of their priority. And keep your appointments.
7. Keep your files in order. The more paperwork you have the more difficult it becomes to find anything. Do not keep documents that can be found elsewhere. File temporary, not permanent, marking a “throw away on “___” papers which may require in the future. When in doubt, throw it out. Make a” clean “in your material regularly.
8. If you delegate tasks, check deadlines for completion. Never pass a task to someone without indicating when it should be terminated. And note the date in a list of follow-up (follow-up action taken in order to enhance or evaluate the effectiveness of this). Never use terms such as “Urgent” or “yesterday”, be specific. If a task with a long term to finish, check your progress at predetermined intervals.
9. Do not be a perfectionist. If you do, do it well. But do not spend much time on tasks that do not require a high degree of accuracy or completeness.
10. Set aside a daily “quiet.” There must be a time of total silence, not even need an hour. But everyone needs some time to think about solutions, or to let their creativity flourish. If the environment does not allow it, change your environment.
11. Respect the time of others. If we treated others as we would like to be treated, there would be many unnecessary interruptions, so many phone calls, emails and correspondence without purpose. Gather your questions, comments and requests and interrupt your colleagues or engineer with less frequency.
12. Do not procrastinate (delay, delay, delays). To leave after what may be now, calmly and carefully? If it is a very complex task or extended, split it and do a little at a time. If it is not nice, do it now and get rid of it once and for all. Postpone tasks means losing time, increase your stress and help make your day unpleasant – and those of others.
13. Get rid of the magazines. Do not let them accumulate. Once you receive a magazine, highlight the articles that interest you, store them in a folder (which can be called “interesting items”), and discard the rest. Or take photocopies of articles to the magazines can not be torn.
14. Schedule a time with his family. Do not use the planning time only for work. Schedule your time and personal time with his family as well. Generally the activities that are undertaken are those that have been programmed.
15. Say no more often. Some people say “yes” simply because they are available or do not want to offend anyone who is asking. Make sure the application is compatible with your objectives before agreeing to help. Have as much respect for your time as it has for the time of others. Remember, every time you say yes to something, saying “no” to something else that could be done to their work to their students and their families.
16. Delegate more. Delegate rescues his time for more important tasks. If you do not have anyone to delegate tasks, delegate to your computer. He can help, for example, if you’re an educator in their lesson planning or in its control of attendance and grades. Be informed about new information technology that can save you time.
17. Just have a planning time. You’re just one person, so keep only one planning priorities or you will soon be fighting each other. Use the same schedule for activities planned for the work and family. And always the light when you go to meetings, courses, or home.
18. Avoid stress. Recognize that you can not do and be everything at once. Be organized, effective and efficient without martyr because he can not do the impossible. Not the stressful environment, but his reaction to it causing damage. His health should be your number one priority.
19. Practice the “Pareto Principle.” The rule “80-20″ suggests that 80% of your results are achieved by only 20% of the things you do. Focus on your priorities, and if you can not do everything, and then let the less important tasks.
20. Put your goals in writing. Time is life. Do not let it pass into white clouds. Determine where you want to be like in 10 or 5 years and put these goals on paper. Then schedule a time that will work towards this. Where will you be in 10 or 5 years is determined by what you are doing today, tomorrow and next week.

1) Avoid sudden speed or so unnecessary. The same goes for the brakes.

2) When you reach the desired speed, gradually relieve the accelerator.

3) Forget that old habit of speeding up the car before turning it off. You can damage the catalyst, which increases the emission of pollutants and affect performance.

4) Aerodynamics: give preference to go with the windows closed. The reduction of air resistance reverses in fuel economy.

5) Always check the air filters and fuel and make the changes following the manufacturer’s recommendations.

6) Do not carry more weight than the capacity of your car. The consumption will be higher and will result in an erosion of the suspension, brakes and tires. Each 50kg more equivalent to 1% increase in consumption.

7) Remove the roof rack when not using it. The resistance produced by them increases consumption.

Organize your itinerary. Try to create a route that meets all its commitments. Reconcile their agenda on how best to avoid unnecessary comings and goings.

9) Look for alternative ways. Sometimes it is more advantageous to walk a little more than stay in the walk-and-stop traffic jams.

10) Use the accelerator gently.

11) Observe the tachometer. Replace the rotational speed indicated.

12) Turn off the car if it is standing still for more than two minutes.

13) Excessive speed, and security problems, increase the demand. The Research Center of Petrobras conducted tests that indicated an increase in consumption of up to 20% for cars that went to 100km / h facing other than passing the 80 km / h.

14) Walking is good for health. For short distances, go on foot.

15) When you can, use the public transportation.

16) The car is essential to identify people who do the same path that you and suggest the carpool.

17) Motor deregulated can consume up to 60% more fuel than normal.

18) Control your consumption. Note the amount of fuel supplied and mileage. Use a spreadsheet to follow.

Source: Petrobras

* Rent or borrow what you can, avoid buying things because they are useless in the future.
* Opt for simplicity and informality, the more refined and more detail is more expensive, that goes for invitations, party halls, dresses and ornaments of flowers, photo effects (like aging), minor bands or just DJ.
* Bouquet and ornament of the church – avoid flowers out of time, see several flower shops, use flowers and foliage of the season, and besides saving can amount to use in arrangements and more flowers. Tulips, orchids, glass of milk, flowers are always expensive.
* The embellish all sides of the seats, can be saved by merging banks with and without decorations, or a larger ornament punctuated by a minor. choose a church small enough to greet the guests as it has less space to be decorated.
* See the possibility of dividing the expenditure involved with other people who marry the same day
* When you choose a service, ask to see albums of work already done, and watch the work. See the opportunity to engage in advance and pay monthly.
* Read the contract in advance, see the possibility of returning the money in case of abandonment of the use of the service, never ask the price and type of service by phone, go personally know the staff and location.
* Some companies perform various services and therefore facilitate the payment, for example film and photography, can make a discount.
* Dates near holidays usually have increased or are more crowded.
* See if the price increases with the duration of the party, it can save money by reducing fatigue and the time of renting the hall, some rooms are the highest regard for the feast day, parties at night are more in demand.
* This helps even the party, because depending on the time may be offered tea or coffee colonial or brunch which besides being elegant avoids more expensive menus for lunch or dinner including entries, meats and desserts.
* Check what types of services provided by the salon’s decor and include up to car loan to bring the bride.
* You can also find more ancillary services account type, bufet takes care of cutlery and table decorations.
* The important and know exactly what kind of service that each company offers, to see where it can be saved.
Talk with friends who got married recently that may concern the quality of services and lower prices because they have already gone through it
* Seek help from friends they get discounts with known and a tremendous help, not be proud, delegate tasks to friends and family.
* The same for writing names on invitations, choose the best “calligraphers” you know and call them for help, certainly no one denied this aid, avoid leaving everything to last minute

Besides all this you can create a spreadsheet of the expenses, that makes it much easier. If you want, you can download an Excel spreadsheet that helps a lot in time to control spending.

1. Make a list of products that you really need. This measure prevents the consumer from purchasing unnecessary and has spent up the chances of its budget.
2. Do not go to the supermarket hungry. Experts say that buying hungry makes you spend more.
3. Go to the store personally. one better than you to check the appearance and commodity prices, taking into account the tastes and needs of your family.
4. Look for products promoted. But do not forget to avila if the product is within its expiry date.
5. Avoid making big purchases. Besides the risk of waste of the item purchased, the money spent on large purchases, could be saved or saved for other purposes.
6. Shopping for Christmas, Easter and so on. If you do not have a predetermined list, you simply must stipulate how much I can spend and not go beyond that much at all.
7. Search. Go two or three shops and find what really is worth doing your shopping, you should take into account that if the supermarket is too far away from home you may have spent on fuel.
8. Pay view. Paying the view you avoid the interest that can be very high, reaching up to 11% of the total purchase.

As I had said earlier this Article supermarkets are made for consumption insentive this article efetividade.net you can check what are the main pitfalls.

1) Make meals at home – Avoid eating out every day, for preparing meals at home out much cheaper. Make a plan and go out for dinner a few times a month, according to need.

2) Buy used – Some household products can be purchased at stores specializing in semi-new for a much lower price than new, but with equivalent quality.

3) Buy in bulk – in wholesale markets you can buy toiletries, cleaning or even food, in bundles that bring large quantities at a price much lower than usual.

4) Make a list of your expenses – Putting it all on the tip of the pencil, you can easily identify which costs are crippling with more vigor your household budget and reorder its priorities.

5) Purchase Order – Make a plan of what you want to buy and save or invest the money until you can buy in cash. The price has to be smaller and you still will be able to bargain a reduction. Cash purchases only as a last resort!

6) Do not buy on impulse – Never purchase a product just because it is on offer. Follow your plan and get those products you really need.

7) Pay yourself first – When planning your budget consider available at most 90% of what you earn. The remainder should be applied to savings or other investment. Without it will be useless in previous tips.

However, often these people are the ones responsible for achieving this.

Meet some of the most common problems and how to exceed:

* Using bad credit cards. Unless you know the correct use credit cards (and there are few people who can do), do not use them because they are a snowball to increase their debts.
* Not having an emergency fund. If you live paycheck to paycheck, at any time can suffer a setback in his life that will require the use of the credit and run up to support your lifestyle. See how you can set up an emergency fund.
* Not having life insurance. For the same reason that you should create an emergency fund, do not let your family is unprotected if something happens to you. This life insurance should not be the company, but a personal insurance that can be used in any disaster situation, you are working or not.
* Do not make the family budget. If you do not know how much needs to spend the next few weeks then you are living in the dark. Learn how to make a household budget and know exactly how much you earn and how much you spend.
* Not planning for retirement. Regardless of your age, should start preparing for retirement. The sooner the better, because it can put aside at least monthly.
* Do not plan the education of their children. How to reform, do not allow for last-minute decision to put money aside for their children can study the best settlement possible. Once they are born to start thinking about it.

Financial problems affect those with low skills but also the graduates, master’s or doctorate. Not the fact that a college that makes it immune to the debt, but their financial intelligence and ability to always live below their means.

* Save at every opportunity, be frugal and reduce all costs, not essential, that can. Think long-term investment, so that the future does not depend on a salary to live comfortably.
* Always be aware of the discounts. Place items you want to buy an eye to be prepared to move when the price is to your liking (sales, promotions, etc.). See also often the sites on the Internet and in stores, to be updated with the deals that are being made.
* Record all expenses and revenue, however small it may seem today, can make a difference tomorrow. Keep this information on your computer, using spreadsheets or software programs personal finance. Keep all receipts also on paper in a folder, separated by category (with special attention to the documents that need to display on your taxes).
* Analyze your financial situation regularly, making reports to show you how much you earn and spend each month and at the end of each year. This way you get a summary of what needs to have in the bank to live for a year without working, for example.
* Do not fall into debt unnecessarily. Except for houses or cars, try to pay off by saving and not through debt. If you can not buy an item today, save for a few months for that purpose.

It is not easy to keep organized, but will see long-term results is the persistence to keep control of your finances regularly.