How do you envision your life to be going in November of 2022? That will be 6 months from now. So much can happen in that time span.
No matter what we are doing, time is going to keep on ticking. If you want things to improve from how they are going now, dedicate your time to becoming better.
Hold yourself accountable by learning more about an area in your life that you aren’t satisfied with.
🗓 Start tracking your finances today and watch how much better you will be in 6 months.
As you begin learning about finances you will see that the techniques to start making money are pretty much the same.
Now, people create their own rules, use their own methods but overall you are not doing anything much different from people earning more money than you.
You just have to decide one day that you want to develop the skills to be successful.
Making money isn’t hard. You can get a job and work, or if working for someone else isn’t your thing, you can literally type in Google: “Ways To Make Money.”
Once you are bringing in some type of income, the first priorities are paying for your basic needs (housing, food, car, and bills). After that it’s important to monitor your wants, aka things you buy but can actually live without.
Learning how to control your money is one of the hardest lessons that some people NEVER learn.
Take action with your personal finances and become more responsible with your money so that you can stop stressing over money.
Stop struggling financially and start creating the life of your dreams.
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When it comes to saving money many people assume that they don’t earn enough money for any extra to go to the side. But the thing is even if you are living paycheck to paycheck it is still possible to put some money to the side. Chances are no matter how frugal you are, you still end up making purchase of some kind that isn’t necessary.
You can be the type who only buys what they need, but out of those needs are you only purchasing the least expensive store brand version? Do you bring your lunch everyday and never eat out 365 days out the year? Are you creating a budget and sticking to it monthly no matter what?
Odds are there are things that you buy that you don’t have to. They aren’t needed but in the moment of pleasure or convenience you buy them without hesitation. I am not here to tell you how to spend your money, but I am here to tell you that it is possible for you to start a savings.
Here are three clear ways to start putting money away for a rainy day or even retirement.
1. Set Up Automatic Transfers Through Online Banking
Many people have both a checking account and a savings account but they only use their checking. No matter if you bank with a retail bank or credit union, online access to your accounts is available. If you haven’t already activate your online banking and setup an amount you can afford to transfer automatically from checking to savings.
What I mean by can afford is start with a small amount monthly. Say, $5-$20 on the first. As time goes on increase the original amount with another $5-10. If you are not in the position to save and your account goes negative from time to time, this I not recommended.
Back in the day piggy banks were popularized with that final day of it being completely full arriving and the owner breaking it with a hammer. No one I know owns a piggy bank and there was much emphasis on putting leftover change in them. Nowadays most people don’t have change especially since the peculiar national coin shortage that came and went a year ago.
With a money jar you can see how your money is adding up and if needed you can simply twist the top off and take what you need. Not everyone feels completely comfortable with keeping all of their money in the bank and as long as your home is safe this can be a good alternative.
3. Put Money In Envelopes
Many people like the idea of saving for multiple purposes. It may be that you don’t want one savings and you have different goals that you need money put aside for. Write on the envelope what you are saving towards. As previously suggested add to it, or them, when you can.
This method is so popular that you can go online and find clear money pouches with savings goals already on them to get you started.
Conclusion:
Limiting your beliefs to saying what you can’t do will keep you from moving forward in your life. Personal finance is personal. Meaning, it’s up to the individual to learn how to make the best decisions money wise.
EarthyRealist.com 