4 Little Steps Towards Saving by Emily Datson - Musely
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4 Little Steps Towards Saving

posted in Various
04/15/2016
  • - Face The Facts
    Write down every single cent you spend and see what you could go without and see how much money you possibly could've saved if you went without say that chocolate bar (remember even the little things add up over a long period)
    I carry a my planner around with me wherever I go anyway so every single bit of money I spend gets written down and what I spent it on.

  • - Evaluate Priorities.
    After you write down what you're spending money on you need to see how many of those were priorities
    priorities are things such as
    a)) Debts
    b)) Phone Bills or Credit
    c)) Groceries
    resetting your priorities can help
    example
    I)) start with paying any bills
    II)) then paying off debts such as layby's
    III)) THEN figuring out how much you want to spend on little things over the week

  • - Learn To Tell Yourself NO
    a)) Buy nothing new or even used
    adopt the motto of "Make Do, Do Without or Do it Yourself"
    I used to constantly spend money on things that weren't nessescary and when I would think back I would say to myself "Was it really THAT important?"

  • - Remind Yourself of the Little AND Big Goals
    For me right now my BIG goal is to get enough money for a car ( plus driving lessons and the boring stuff )
    And little goals are things such as
    - Getting a Laptop
    - Getting things for my new bedroom
    Ect...Ect

    What I did was:
    I made a chart and labelled it " GOALs "
    Then I split it and named my top 3 BIG priorities and then in the spaces below I would write down the smaller goals to gradually work towards.

  • Little Tips
    - I have my "Everyday Savings" account with one bank which I have a card for and then I am with another bank purely for the sake of "Savings".
    Every week no matter how much I get paid I always transfer $70 over to that account and since I don't do any online banking with my savings branch I can't transfer that money back.
    - Try find a good bank that rewards you for saving. The bank for my savings rewards me 3.15% interest if I meet the minimum of $200 a month into my account.

  • { Hope this was helpful. Don't forget to hit the ❤️ button and comment below what you would like to see. }

    Sources

    ~ Internet
    ~ Personal Experiences

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