Tips: Saving Money Today
Tips
1: Give money to your self first
It doesn’t make any difference if you’re drawing a six figure salary or living paycheck to paycheck, never fail to take 10-20% off the top of every check and deposit it in a high yield bank account previous to paying anybody else – no exceptions. This might sound challenging, or even unnecessary, but is infinitely more simple than attempting to cut down on using the income you know is near by. After all, what you don’t see, you cannot miss. Read the rest of this post »
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Saving Money from Earlier Age
one of the greatest gifts you can give your children is the ability for them to be able to provide for themselves in the future. This is why it’s a great idea to help get your child into the habit of saving as early as possible.
If you educate your child about saving when they are young, you’ll have the chance to help them build a habit – and an incentive to save – that could last a lifetime.
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Payment Protection Insurance?
This type of insurance can be a great benefit to people borrowing money as it can offer them security and peace of mind protecting them should there be an issue with keeping on top of repayments. You can never anticipate what is in store in the future and many people have suddenly found themselves out of work or unable to work for a significant length of time due to illness or an accident. Read the rest of this post »
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Good Budgeting
When working out our budget we should include all our outgoings to make sure that our regular fixed bills are covered. Here are a few tips to get you set up with good budgeting habits.
• Getting bills paid – including annual bills
Include annual and six monthly bills in your monthly budget so that there are no nasty surprises when the bill comes in. That means dividing annual sums into a monthly equivalent. Put this sum in to an interest bearing account.
• Save for special occasions in your budget
Birthdays and Christmas are not surprises – they happen every year. Include them in your budget. Think of it as a bill.
• Shopping
Always write a list when grocery shopping. Buy in-house product or non-branded items. Never shop when you are hungry. More ends up in the trolley that way.
While shopping at sales is a good idea don’t just buy because something is on sale. The bargain of the century will just be clutter if it doesn’t get used.
• Keep a note book of spending
This is particularly helpful in understanding where your money goes. It’s very easy to start with $100 but have no idea where it’s gone.
• Pay yourself first
Put aside something for yourself even if it’s only $10 to start. To start with this might be an emergency account and later for a saving goal.
• Include entertainment
If you don’t allow entertainment expenses budgeting becomes a dirty word and you won’t stick to it. The trick here is to keep within your weekly allowance. Get the family involved in coming up with ideas to keep the spending down.
• Regularly revisit your budget
Make any necessary changes. See where you are going wrong, reward what is going well.
Budgeting will give you power and focus your mind but remember that although I previously stated that budgets are one of the building blocks of financial awareness, they are not set in concrete: they are really a living document. Make changes as needed and make sure that it works for you. Get into the budgeting habit – it’s well worth the effort.
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