Saving regularly is a challenge for many people. Many who intend to save but it is always difficult to run.
Many others who earn enough but difficult to set aside money for savings.
Meanwhile, there are people with little income but able to set aside money for savings.
Here are some easy ways that you can get used to saving money on a regular basis.
first,
Directly save immediately after receiving income.
It prevent you from saving delay, and make saving a priority activity.
It is also in accordance with the "Islamic CashFlow Management" we've discussed here. Where saving / investing a priority and planned.
Secondly,
Separate shopping account with a savings account.
With so the savings will not be used. In fact, do not make an ATM card for a savings account.
third,
Determine the amount of money that will be saved.
Determine the fair value of the savings from your income. As an illustration, the allocation of 10% of your income each month is the minimum value.
fourth,
Think of the savings is routine expenses and forget.
If the savings are considered as regular expenses, you will not see savings as excess funds can be spent at any time.
fifth,
Set your budget, then the excess tubing.
After a monthly budget is set, the excess funds will be more easily identified and stored.
sixth,
Gradually, increase the percentage of money that will be saved.
Of 10%, increase to 15%, 20%, and so on. Well adapted to the increase in your income.
seventh,
Never save only when there are remaining.
If so, there will never be left to save. Or maybe too small. You will never begin to truly save.
The biggest mistake of saving is to rely remaining funds left over to save. If so, you will never start saving.
Any amount, set aside money from the beginning.
Finally, make your savings in gold bullion is also one way to make it more difficult to be melted so that your savings remain 'safe'.
Regularly if you save it in the form of cash usual, you can substitute into gold. According to the amount accordingly.
Let us equally determined, that the income has been earned by hard work, should not be without trace or disappear. Until we become most people are losers, because did not have anything to stock in the future later.
Many others who earn enough but difficult to set aside money for savings.
Meanwhile, there are people with little income but able to set aside money for savings.
Here are some easy ways that you can get used to saving money on a regular basis.
first,
Directly save immediately after receiving income.
It prevent you from saving delay, and make saving a priority activity.
It is also in accordance with the "Islamic CashFlow Management" we've discussed here. Where saving / investing a priority and planned.
Secondly,
Separate shopping account with a savings account.
With so the savings will not be used. In fact, do not make an ATM card for a savings account.
third,
Determine the amount of money that will be saved.
Determine the fair value of the savings from your income. As an illustration, the allocation of 10% of your income each month is the minimum value.
fourth,
Think of the savings is routine expenses and forget.
If the savings are considered as regular expenses, you will not see savings as excess funds can be spent at any time.
fifth,
Set your budget, then the excess tubing.
After a monthly budget is set, the excess funds will be more easily identified and stored.
sixth,
Gradually, increase the percentage of money that will be saved.
Of 10%, increase to 15%, 20%, and so on. Well adapted to the increase in your income.
seventh,
Never save only when there are remaining.
If so, there will never be left to save. Or maybe too small. You will never begin to truly save.
The biggest mistake of saving is to rely remaining funds left over to save. If so, you will never start saving.
Any amount, set aside money from the beginning.
Finally, make your savings in gold bullion is also one way to make it more difficult to be melted so that your savings remain 'safe'.
Regularly if you save it in the form of cash usual, you can substitute into gold. According to the amount accordingly.
Let us equally determined, that the income has been earned by hard work, should not be without trace or disappear. Until we become most people are losers, because did not have anything to stock in the future later.
0 Komentar untuk "7 Easy Ways for Saving Routine"