Save money does not need to be exhausted
Let’s talk How to focus on saving money While you still enjoy your life and do not become excessive.
To focus on saving money, you must have a goal that motivates you to save.
It also helps to create visual reminders for this goal you see daily.
Next comes the logical part of the equation. You need to spend less than you earn every month.
This means that you need to do one of the following:
- Earn more
- Spend less
- Are both of them?
Written by Tiffany Woodfield, Mali Coach, TEP®, CRPC®, CIM®
People often make sure that if they earn more, they provide more.
However, it is not uncommon to change your lifestyle while increasing your income. When this happens, don’t save more. Basically, you have to be aware of your spending Regardless How much you earn.
We all have heard stories about celebrities who got millions of dollars only to finish collapse or bankruptcy. We do not want to follow their steps.
How do I deal with money saving
What helps me save money is to have a clear goal and a reason for his desire to save.
When I worked part -time while passing through the university, I had friends who were already in the workforce. They went to restaurants and showed wearing the latest trends.
Meanwhile, I had limited money and I was trying to save on a big trip when I finished school. Because I went into this big journey into consideration, I was sacrificing and saying a lot. I was not doing all the things that my friends were doing. But I commented with my plan to remind myself constantly with my greatest goal.
I will not say it was easy; But in the end, it was worth it! The memories of that trip with me today.
As old, I am still focusing on creating clear and convincing goals for myself until I know the reason for saving money. I would like to have something to do. I would like to have a vision for the future that pushes me forward.
What is the easy way to make a simple budget?
One of the easy ways to create a simple budget is to determine a goal, then determine the amount of money that comes and graduates each month.
Then, select the amount you need to reach your goal. Next, start tracking spending and lowering the estimated elements.
Finally, set a schedule and create a work plan to achieve your goal.
Nothing of this should be complicated. Just get a notebook and create a plan. Or create a simple spreadsheet. Just remember that taking simple action and small steps are better than doing anything.
How do I stop spending money on the things I do not need?
To stop spending money on the things you do not need, follow these simple steps.
- Firstly, Before performing any purchase, pause and asking yourself, “Why do I buy this element? Is it to strike instant dopamine or because I was declining?”
- the next, Ask yourself, “How do I feel usually after 2-3 days of a purchase of such a purchase? Do I feel satisfied or bad? Is immediate gratification worth days or weeks of feeling bad to spend?”
- finally, Determine what you need to make you really feel full and happy.
In many cases, spending is spent as a group aid. But the problem that cannot be solved using Bandaid, so it will not help you recover.
Instead, be curious about what will make you feel better for more than one or two days.
The real problem with excess spending is that it can lead to depression and more anxiety. Especially when he puts you on the budget and when you cannot. So, learn about the “cost” of your mental health and your bank account when you spend the money on the things you do not need.
What small changes can help me save money every day?
Small changes to help you save money every day:
Visual remarks:
The goal of your savings should be somewhere you see at least twice a day: in the morning before you leave and before going to bed. You can also keep it on a piece of paper in your wallet.
Treat yourself:
Before each purchase, ask yourself if this deserves more than it Your most important goal. Think about your goal before spending will make you responsible for your spending.
Tracking:
Follow your progress every month and celebrate the small victory every day. At the end of the day, before telling yourself how you have taken steps to reach your goal.
You can say something simple like, “Wow, good work in bringing your lunch today.”
Everything small is important and while you start saving, it becomes easier. Also, it is important if it goes out of the path Do not overcome yourself Instead, I admit that it is a process and will be a different tomorrow.
How can I set easy -to -reach savings?
I recommend starting with smaller goals when starting for the first time.
These goals should be “smart goals”, which are specific, measurable, investigative, realistic, and appointment on a schedule.
Once you create goals, write a work plan to achieve and then follow your progress.
How do I stay excited to continue saving money over time?
To stay enthusiastic and save money over time, create defined and specific goals.
If your goal is bigger like buying a new house, you have to have smaller goals that can be achieved can keep you excited along the way.
Often, people do not realize that motivated spending brings them only a very short amount of happiness. Instead, imagine how great you feel the purchase of something you love without guilt!
How can I train my mind to save money?
To train your mind to save money, you need a clear reason for your desire to save the money you see daily.
Then you need tools to help you create this new style such as:
- Just carry money for appreciated spending
- Get automatic savings out of your account every month
- After the budget
- Follow your spending
- Starting the practice of vigilance
What is the base for 30 days?
The base is designed for 30 days to reduce spending by setting a base Unnecessary elements Where you wait 30 days before buying. It is simple but very effective because it makes you more aware of your spending. It also helps to create clarity about what you really appreciate.
Final ideas
It may be difficult to save money, especially when society continues to constantly and beautiful things that promise to make us happy.
Always stop before buying and wonder whether this purchase will make you feel better. Or is there something else you need to raise your soul?
By mentally estimated the cost of your well -being and physically to your wallet, it is easier to say no. Also, the feeling is incredible.
There are no guilty feelings when buying something you have provided to buy!
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About the author
Tiffany Woodfield He is a financial coach, an expert across the border and co -founder of Swan Wealth, based in Kelowna, BC. As director of TEP and wallet manager, Tiffany has extensive work experience with successful professionals who want to leave a legacy and enjoy an adventure lifestyle and work manufacturing. Tiffany combined the wide knowledge of its background as a financial professional with training and her passion for personal development to help its customers create a unique road that allows them to live in their maximum capabilities. Tiffany was a regular contributor to Bloomberg TV and was interviewed with national and international publications, including Globe and Mail and Barron.
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