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How do I save???? |
How do yall plan your investments and savings? I've been working full time for a year, with quite a decent pay, and I have peanuts to show for it! I'm going crazy!!!!!!! Direct deposit 6% of each pay check into a separate account and cut up the withdraw slips/checks or debit cards to that account. you can still access the money in an emergency (during normal banking hours) then once you have 3 months of your income saved don't touch it. Once a year take everything else and put in a low risk investment The most important step towards financial security is to teach yourself about money matters/ investing. Try books like Rich Dad, Poor Dad. Start as soon as possible!! Report It Have your employer put a set amount into a bank account each week. Or put it into a retirement plan that cannot be touched until you retire. You should say always to every client (If you're grouchy. irritable or mean there will be a $20 charge for putting up with you) :) Learning to save is a process. It's not an easy thing to do in these days of high prices and price gouging but believe me it can be done. Set aside a small amount each payday something you won't really miss, say 25 to $50. Have that money automatically placed into your savings account AND DO NOT EVEN ACKNOWLEDGE IT'S EXISTENCE. It is for your future and what ever else you desire. It works believe me it's how my wife and I have just saved enough to buy a $300,000 home. Do you have a 401(K)? Max out on that before you do anything else. A good rule of thumb for life: calculate 3/1000 of the money you get per month and save that amount everyday, since it is a small amount of money for you, it will be easier to save and by the end of the month you saved 9% of your money! |
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