It helps you prepare for sudden emergencies, put you on track for long-term goals and even allows you to take some much-needed time for yourself.
But not everyone knows the best ways to save.
Sometimes you get caught up with paying bills.
Until you forget to pay the most important person - YOURSELF.
That's why it's essential to create a savings' plan that works for you.
Saving in general can be hard to do. So set a financial goal and figure out how much you'll need to set aside each month to get there. . . . which leads to the next question, "where to set it aside?"
You can start saving with a Piggy bank. But if possible, open a savings account separate from your checking. It will make it easier for you to track your savings and harder for you to spend it. Plus, savings accounts usually earn interests over time, too. But you have to pay your account regularly. Treat it like another bill and don't miss a payment.
Next, keep track of your spending every month (as for me, I'm tracking my spending every week so that I can immediately see where to cut off expenses). Go through your credit card and bank statements. And make sure you're spending aligns with your goals. If you are spending too much, try to cut back and turned that into savings.And just like you look for deals or discounts every day, do the same for expensive emergencies.
Finally, here are a few ways to use your debit and credit cards wisely.
For example, only use your credit card for stuff you know you can pay back. And when you use your debit card, ask your bank to block any overdrafts on your account. That will help you avoid interest and fees that would otherwise cut into your savings.
But most importantly, celebrate your successes, even the small ones.
Saving is a choice. But remember, you can't get ahead if you don't get started. So figure out what you're saving for. Maybe a car or your own house. Calculate your contribution and how often you will make. And create a plan and put it into action. You can start, maybe ₱500 - ₱700 every 2 weeks salary and up to ₱1,500 per month.
Saving can be rewarding. So why not get started today and Pay Yourself First.
I hope ay may natutunan ka sa naibahagi ko. I really want to hear from you, kung may katanungan ka, suggestion or negative feedback about sa blog post na ito, I'll be more than happy to learn from it and I'll get back to you as soon as I can...
Isang Taas Kamaong Nagpupugay sa'yo Kaybigan,
Mark-Lee Tupas Isidro
Kaagapay mo sa Mapagpala at
Isang Taas Kamaong Tagumpay!!!
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