अम्रिकामा के हो एस्तो? जति काम गरेपनि पैसा सबै स्वाहा| घरभाडा खान बिजुली को बिल हित को बिल फोन को बिल केवल र इन्टरनेट को बिल कलेज को बिल अनि एक दुइ चोटी बारको भ्रमण अनि सबै पैसा च्वाट | हातमा लाग्यो सुन्ना 
 
होइन प्रभो साझाबासिहरु संग त्येस्तो केहि त्रिक छैन भने पैसा अलि बचाउने उपाए

Spend wisely and you'll have a decent amount saved up over the course of time. 

Set up a saving account and have a certain amount (e.g. $500) go there every month automatically. This will force you to save.

 it not how much you make but how much you spend.

i dont know what kind of work you are doing. if you are doing minimum wage job, get some ducation and training and move up where you can make some better money.

dont eat out too much, cook at home.

cut cable and stick with basic free broadcast or better yet buy some online streaming device like apple tv.

bundle up and try not to fiddle with the thermostat too much. in the summer, turn the thermostat high up and run a fan or portbale/window ac where you are.

stick to basic phone plan with no data. get unlocked phone and switch to MVNO like simple mobile, h20 that provide the same service at lower price. if you save $20 per month on cell phone bill, you save $240 in a year.

IF EVERYTHING ELSE FAILS, TRY THIS

Heres one idea

http://m.youtube.com/watch?v=olWArpqK3F0

कि आम्दानि बढाउने कि खर्च कम गर्ने ?

कोलोराडो निवासी पिटर कार्लोस लाइ सोध्नु पर्ला | आम्दानि हाम्रो भन्दा आधा छैन अनि बच्चा तिन छन् ७ बर्सको दौरानमा 70/80 हजार नेपाल लगेर जग्गा किने ! अबस्य पनि उपाय बताई देलान |

   https://www.youtube.com/watch?v=JqBqH-0DaPM

Here are a few tips on how to save money without defrauding anyone:

Grocery:
If you have room-mates, do separate groceries. If possible, buy grocery items your room-mate does not like to consume.
Eat nutritious, quick, and cheap home-made meals.

Money:
Do not lend any money to anyone. That's not your job- it's the neighborhood bank or credit card company's job. Tell him/her you are living from paycheck to paycheck.

Entertainment:
Watch free movies on youtube at public libraries (using a head-phone) and rent for free from the library. You do not need home internet connection if you plan your schedule well. Facebook is a pure waste of time anyway and so is sa-jha dot com for the most part. LOL!

Phone calls
Do not call home too often. Let them call you in turn.

Utilities
No one in your household stays up late when possible.

Housing:
Live in a safe, clean, but affordable housing that does not require you to commute too much.

Drinks:
If you ever feel the urge for soda/beer/alcohol/juice, run to your refrigerator and grab your (bpa-free) water-bottle, breath, and rethink your desire. Carry that water-bottle to anywhere you go (just like Sting takes his accent everywhere he goes).

Phone & Dataplans
Get only what you truly needor will actually use. After all it is a contract to pay whether you use or not.

Women and dating :
Go for ones only worth your investment and time-off from work. Instead of buying your dates expensive dinners and gifts, you might be better off investing the same money to improve your attitude, mannerism, clothes to impress -- difference being even if it turns out to be a failed date, you still have your skills and materials you can use on your next date. Go out with women who are genuinely attracted to/interested in you and be reasonably generous once she becomes a bonafide girlfriend/wife/companion etc.

Clothes:
To look sharp, alert, and healthy, you need to take care your health and body instead of grabbing the latest offerings from Banana Republic or Saks. Go for comfortable clothes with classic looks when they are marked down to a bargain.

Vehicle:
Unless it's a necessity, you do not need one. However, get a driver's license. You can utlize some weekend deals to getaway to places you always wanted to. Some of you might have gone through a phase when it seemed like you bought a car just to provide free ride to some newcomers.

Friends/Companions/"Sangat":
Hang out with people who are neither spend-thrifts nor free-loaders. Now go find a companion for yourself who agrees with all of the tips laid out above.

Bottom-line: Do not skimp on investments that hold promise to signficantly leverage your future earning power.

This is an interesting thread for. I am working for last 5 yrs, making between 60-85 k and still have 10-15k in depth. I don't do anything fancy. Is it my time to see financial advisor?

Yo kura chai malai ni janna man cha hai

 याकू : अध्यारोमा झटारो हान्ने काम गर्नु भएन ? आय संग खर्चको तामेली आफैले गर्नुस : गीतमैजवाफ़दिऊ ब्रो ले सबैलाई समेट्ने गरि सल्लाह कोर्नु भएको छ , आफै बिचार गर्नुस का का अनावस्यक चुहावट भएको छ.|  
विज्ञापनमा सेल भन्ना साथ क्रेडिट कार्ड घोट्न पछाडी नपर्ने बानि छ कि? टाऊको दुखाइ, तर औसधि भने नईटामा लगाई होला खालि आम्दानि को लेखा हेरी सल्लाह दिदा | 

yeah, thats true, I've now gadgets which I bought out of excitement, which I don't even use. Such a waste of money. Look out for those enticing sales, if possible avoid it.

 BT ब्रो ले साकार्नु भयो : बिनासित्ती प्लास्टिक घोटेको कुरा | 
एसो बिचार गर्दै छु घरको फोन काटेर VOIP फोन राख्ने - जो व्यापारिक कलको लागि मात्रै प्रयोग गरिन्छ | इन्टरनेट २४/७ हुँदा Magic Jack नै किन नराख्ने ? अनि जता गयो तेती बोक्दै हिंड्यो गर्न पनि सजिलो अनि यी इन्टरनेट प्रोभाइदर् हरु संग मोल मलाइ गर्न पनि सजिलो हुने | अहिले त्यो COMCAST ले २० डलर प्रति मैना १ बर्सको लागि दिन्छु भन्छ , सर्न पनि सजिलो |  Keep surfing for low internet provider or I have heard many people are sharing  wifi with thier neighbour ( paying little money)

I always save a decent amount of money. Here's what I do

1) Shop for clothes online or at Kohl's they give you 30 pc discount plus 10 dollars for every 50 you spend. Plus its cheap, its not as fancy as Macy's but its good enough.
2) DON'T buy a new car, the worst financial decision you can take is to buy a new car and see its value plummet by 8000 dollars in the first year alone.

3) Hunt for mileage plus credit cards, I've taken two vacations this year without spending a dime on flight tickets.

4) Quit smoking, drinking soda, coffee and junk snacks. I used to spend about 3-5 dollars a day on these things without knowing. These things will cost you 1500 to 2000 dollars a year.

5) Buy only the amount of food you need. Take vitamin supplements.

6) Live close to work. Buy a space heater. Turn of all electrical connections before going to bed

H

How do you save money by taking vitamin supplements . They actually cost money and are likely unnecessary if you eat a regular diet.

How to save money is like asking how to loose weight. The answer is simple in general but needs to be applied on an individual basis. How much you make minus how much you spend is saved. So either you need to make more money or spend less. Spending less means making infividual effort and choices for it.

 It also depends how much money you send to Nepal. Most of us send money to our family no matter what, so even if you don't have much saving in the US, your family probably has good saving/investment in Nepal (in your name!).

Yuvaraj sathi, vitamin supplements cost about 6 bucks for a two month supply. They help us replenish our poor Nepali diet, without having to buy a gamut of food products everytime you go to the grocery store.

I disagree about need for vitamins. But as you said it may not cost much so...

Agree with Yuvarj: No need to substitute food from Vitamins. If you manage and eat well that will be enough.

Await a minute : If you watch those  suppliments advertisement then yuou will think that your body needs all those advertised products.  At the end you  my end taking 5-6 differnet pills a day as you convienced by the advertisements.

खादै नखाने खाली हग्न्ने मात्र अनि पैसा सेव हुन्छ !