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8 SIMPLE WAYS TO SAVE MONEY


Tips on saving and investing to pursue your financial goals

Sometimes the hardest thing about saving money is just getting started. It can be difficult to figure out simple ways to save money and how to use your savings to pursue your financial goals. This step-by-step guide can help you develop a realistic savings plan.


1. Record your expenses

Keep your expenses receipts and well record  source

The first step in saving money is to know how much you’re spending. For one month, keep a record of everything you spend. That means every coffee, every newspaper and every snack you purchase for the entire month.



how to save money wisely
Start to scrutinize your own expenses  source
Once you have your data, organize these numbers by category—for example: gas, groceries, mortgage and so on—and get the total amount for each.


2. Make a budget
Now that you have a good idea of what you spend in a month, you can build a budget to plan your spending, limit over-spending and make sure that you put money away in an emergency savings fund. 


save money could help you during emergency
U can only break the glass in case of emergency !  pic source

Remember to include expenses that happen regularly, but not every month, like car maintenance check-ups. Find more information on creating a budget. 


3. Plan on saving money
Taking into consideration your monthly expenses and earnings, create a savings category within your budget and try to make it at least 10-15 percent of your net income. If your expenses won't let you save that much, it might be time to cut back. Look for non-essentials that you can spend less on—for example: entertainment and dining out—before thinking about saving money on essentials such as your vehicle or home.

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4. Set savings goals

Setting savings goals makes it much easier to get started. Begin by deciding how long it will take to reach each goal. Some short-term goals (which can usually take 1-3 years) include:


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It's time to set your goal. U are the one who can make your savings goal  success or fail  (pic source)


Starting an emergency fund to cover 6 months to a year of living expenses (in case of job loss or other emergencies)
Saving money for a vacation
Saving to buy a new car
Saving to pay taxes (if they are not already deducted by your employer)
Long-term savings goals are often several years or even decades away a nd can include:
Saving for retirement
Putting money away for your child's college education
Saving for a down payment on a house or to remodel your current home


5. Decide on your priorities

Different people have different priorities when it comes to saving money, so it makes sense to decide which savings goals are most important to you. Part of this process is deciding how long you can wait to save up for a goal and how much you want to put away each month to help you reach it.

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Time to decide and prioritize  your savings
 As you do this for all your goals, order them by priority and set money aside accordingly in your monthly budget. Remember that setting priorities means making choices. If you want to focus on saving for retirement, some other goals might have to take a back seat while you make sure you're hitting your top targets.

6. Different savings and investment strategies for different goals

Saving for short-term goals:

A regular savings account, which is easily accessible

A high-yield savings account, which often has a higher interest rate than a standard savings account

A bank money market savings account, which has a variable interest rate that could increase as your savings grow

A CD (certificate of deposit), which locks in your money at a specific interest rate for a specific period of time

For long-term goals consider:

Retirement savings.

Securities, like stocks and mutual funds. These investment products are available through investment accounts with a broker-dealer.

Make saving money easier with automatic transfers

Automatic transfers to your savings account can make saving money much easier. By moving money out of your checking account, you'll be less likely to spend money you wanted to use for savings. There are many options for setting up transfers. You choose how often you want to transfer money and which accounts you want to use for the transfers. You can even split your direct deposit between your checking and savings accounts to contribute to your savings with each paycheck. Thinking of saving as a regular expense is a great way to keep on target with your savings goals.



8. Watch your savings grow
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After several strategies of savings had been implemented, you may watch your savings grow


Check your progress every month. Not only will this help you stick to your personal savings plan, but it also helps you identify and fix problems quickly. With these simple ways to save money, it may even inspire you to save more and hit your goals faster.


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