Savings may mean money, but not the correct answer. Savings in the true sense Is to save some money and use the other to produce more dividends Therefore will be the most accurate savings Many people are determined that this new year will start saving seriously. But after saving for a period of time, it returns to its original state. Lack of discipline. There is no clear goal in saving. As a result, saving is not very effective. Once faced with financial problems, it cannot be carried on.
The problem of those who started saving without success Savings in half Caused by the following factors
Ambiguous goals
One problem for those who start saving is that there is no clear goal for what to save. And it's not clear how much savings in a given month, such as a monthly salary of 10,000 dollars. There is no clear goal for each month to deduct the amount of savings per month. When the salary came out, it was used for personal expenses. Go to pay various expenses first Once enough, then keep. Which is a wrong way to save Savings with clear goals Must deduct savings immediately 10% or more immediately upon receiving the salary Do not be reluctant to deduct money into savings. Because if we have a clear goal Will follow immediately At the end of the month, you will deduct the money automatically as savings. Without regret Therefore, the goal of saving is not to set a goal, just saving. But if we have a set goal of what we will save for Will make us more determined to save, such as buying a house, buying a car, or keeping it for children to study, etc.
Expenses over salary
The next reason that is an obstacle to saving that affects us a lot is that we have more expenditure than our income each month. Until cannot be able to have money left to collect, such as car installments, home installments, all possible installments Until there is no money left to collect Organizing and controlling our expenditures each month is therefore an important issue that each month How much do we earn? And anything that is not necessary, it should not be added to the burden on himself. Especially loans from various Because various loan applications The loan applicant has an obligation to repay equally in each month. Of course, the increased burden caused us to have to deduct some loans for some months. But if the deduction is paid in installments until we are unable to save That is definitely affecting your financial health. Therefore, if you have to apply for a loan or pay whatever Should be based on that your salary will be sufficient for daily expenses and savings Do not pay until the rest is not collected.
inflation
This obstacle is creating a lot of problems for savings. With consumer goods prices increasing in price Resulting in our expenses increasing And makes us have less money left to save But if going backwards If we have a goal that each month will collect every month the same amount of money Will not affect You may just have to choose to buy or consume a cheaper substitute.
Love comfort
Many people who start saving often find themselves overwhelmed. Spending less fluently like before So stop saving But will spend fully Then gradually left each other, such as today, intending to stop coffee When walking past the store Told myself that it's okay to buy and eat today Let me refrain tomorrow. This is the main problem of those who start saving. That are still in the habit of using the same habits
All of the above All are obstacles that directly affect our savings. But that does not mean that you have to spend and spend until you do not find happiness at all But finding happiness or buying what we want Was able to do But it must be the money you deducted as part of your personal entertainment expenses Best savings You will have to divide the money clearly into the Division, such as Division 1, daily expenses, Division 2, household expenses, Division 3, entertainment expenses for happiness, Division 4, saving, etc. If you have written the rules as good Your savings will be beneficial and ultimately results.
In addition to normal savings If saving will yield fruit You also have to invest your money in order to grow the results. The author has written about saving methods in 2015 to help readers see the direction in which savings is most effective.
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