The Savings Habit

http://gustaw.co/lifes/milo-ot-zapaha-v-intimnoy-zone.html мыло от запаха в интимной зоне Lately, I’ve read a lot about the interest rate going down & who the real winners & losers are. It makes pretty interesting fodder during my lunch break.

теория темперамента русалова I thought I’d share a bit about the my savings habits throughout the years, which I think might help out. Please read this with a pinch of salt, what works for me, might not necessarily work for you & bear in mind that I am not a licensed financial planner or do I even work in finance. Now with all the legalities out of the way, here’s my tips on building some savings.

уголовное право общая часть учебник 2014 рарог 1. Write down your earnings & spending
Do this how ever you are comfortable with – pen & paper, app or even a wall chart. I started out documenting it all in a simple notebook when I first moved to Perth & it’s evolved since, but now I use an app to quantify things. Being able to see what I spend my money on is usually the first step in constructing a functional budget.

http://posuda-markt.ru/leon/posle-rozhi-otekaet-noga-chto-delat.html после рожи отекает нога что делать image

http://wikicolleges.com/tech/pozdravleniya-s-dnem-rozhdeniya-podruge-tatyane.html поздравления с днем рождения подруге татьяне 2. Save at least 10% of your earnings
This might sound hard, but trust me it is possible. I worked 2 days a week during uni & saved 10% then, which was quite a big portion as a student. Having that 10% in a high interest savings account & term deposits (back then it was almost 7%), made my meagre savings work for me. I have a modified version of that savings plan currently. All my excess money sits in my mortgage offset account, making my money work for me again.

3. Work out a functional budget
When I say functional, I mean don’t tie yourself down with being rigid about everything you spend each week/month, but be flexible & allow yourself some leeway to buy things or services you might want every now & then. For example, I lobbed my hair off over the weekend, which isn’t normally in my budget but I allow a small amount of money to be able to do stuff with. A girl’s gotta live ya know!

Hope these tips help somewhat in sorting out your finances!

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