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3. •People generally tend to not pay much importance to the role of small savings in
providing a big enough saving.
•Small savings do not seem significant enough. However, that is an erroneous
attitude towards money.
•Small savings, completed on a daily and monthly basis, can add up to a big total
over time, say a year.
•In fact, you can make small savings that will contribute to an investment insurance
plan you want to make. here are some smart tips to save more money.
4. Pay Credit Card Bills on Time
•Credit card fines are big enough to make you feel the pinch. That is, if
you fail to pay the minimum amount due within the stipulated period.
•If that is still not scary enough, consider this statistic: in the US, credit
card holders who fail to pay the minimum amount due for more than 60
days face an average penalty of 28.45% interest rate.
•Even if you are unable to pay the entire outstanding, make sure you pay
the minimum due before the stipulated last date.
Pay Off the Entire Credit Card Outstanding
•Credit card outstanding bills, when carried over time, can attract exorbitant
charges such as 48% annually.
•If possible, pay the entire credit card outstanding. Else, pay as much as is
possible without affecting your finances too much.
5. •When Shopping, Look for Discounts
Sometimes, departmental stores offer huge discounts on products they sell.
Usually, there are certain time periods such as Christmas and Black Friday.
Plan your purchases, especially the costlier products around those periods.
•Let Your Money Not Stay Idle
Do not stash cash at home; it is not going to grow. At least put it in the bank
so that it earns some interest. Even better, constantly look for investment
avenues that can earn you handsome returns. Let your money work hard
for you. For that, you need to put it into a field where it can play, work and
grow. That, however, does not mean that you should put your money into
speculative investments.
•Stay Below Your Means
While it is in human nature to crave, you need to balance your cravings. If
anything that you crave is not a necessity, it is not going to cause any harm
if you cancel or postpone the decision to buy. Instead, put the money away
for investment or other useful purpose.
This all saving plans are going to benefit a lot from your decision in the
future.
6. [Source: http://www.financeadvicelive.com/2015/05/the-power-of-small-savings.html]
•Alex is an expert financial advisor and blogger. Whenever he finds some tips
and tricks useful for sound financial health he spread those ideas throughout
the internet so that other people can get help from that.
•With his long term association with Snug Loans, he met many people with
different financial issues and always tried to fetch a reasonable solution for
them.