Friday, June 27


Assalamualaikum , harini nak share pasal 'saving'  , so jadual tu menunjukkan beberapa tips cara cara nak saving. Hopefully berguna! Selamat mencuba :)

Start with an emergency fund
- Set aside 3 to 6 months worth of expenses, but no other savings until debts are eliminated.
- Try selling some items you no longer need or working some overtime to help establish this fund.
Tackle debt
- Start with your smallest debt and pay it off as quickly as possible.
- Add that payment to your next highest debt and continue the process. 
- Consider consolidating debts to make things easier or reduce interest rates. 
- Avoid creating new debts, such as credit card balances that aren't paid off each month or loans for smaller items like furniture or electronics.
Set goals
- Decide what you're trying to achieve and by what date.
- Break your goal down into a monthly amount that you'll need to save. 
- Make sure your goals are attainable. 
Take a look at your expenses
- Write down everything you spend for a month or two. 
- Categorize it to get an idea of where your money is going.
- See where you can eliminate spending. 
- Make sure your savings goal is still achievable based on your income minus your expenses.
Create a budget
- Set limits for things that fluctuate, such as groceries and clothing.
- Keep up with your spending as you go to make sure you don't exceed these limits. 
- Consider using cash to keep a more realistic picture of how much money is left in each category.
- Try using a website or app to help you keep track. 
Commit to saving
- Find a savings account with a good interest rate.
- Deposit your money in savings first thing each month before you spend anything else.
- Consider a direct payroll deposit or automatic transfer.
- Add any extra money you receive to this savings account as well.