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10 money saving tips

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10 money saving tips

  1. 1. 10 Money Saving Tips By Coach Alexander TopTier4You.Com
  2. 2. Introduction • Over the years, people have become more aware of the need to Save money. Money as we know it is today is pretty much very important and that is why we spend time and energy making ends meet in order to acquire that extra buck. For most people it is very difficult to earn money but yet, it is very easy to spend all of it or even lose it. Poor judgment coupled with error in thinking can lead to losses amounting to millions of dollars. We are not just saying this but we have facts to prove it. • According to Business Insider it mentions 14 rich people who lost all their money within a short time (www.businessinsider.com.au/rich-people-who-lost-their- money-2015-1). Hard to believe but its totally, totally true and it even gets more interesting, most of them we even know them. All of them famous and people well known across the world. But if there is anything I have come to learn in life, Money can disappear anytime if we do not use it the right way. But before we get into understanding the 10 ways you can save your Money, what is saving and why is it even important anyway?
  3. 3. What is Saving? • Most people would like to believe they have an accurate definition of the word savings. I actually thought so too until I did a bit of Googling on the Internet and found a spun of surprises. Most people when asked if they are saving, for those who actually say yes they are going to tell you that they are saving for a Car, a Vacation or anything in the short term. While its true that it may sound like Savings, that is actually what is called planned spending. Why do we say so? Well according to MoneySense.com saving only qualifies if you are storing up money in the long term to have money for another chapter in your life. See the link here http://www.moneysense.ca/save/what-is-saving/ • So it actually does make perfect sense doesn’t it? You are actually putting money aside in order to take care of your needs in another phase of your life. In a sense, if you are going to retire in 25 years, what do you do knowing fully well that during your retirement years you wont be productive anymore? You put money aside to take care of your needs after you leave the workforce. Easy? Well to be fair especially to all those about to retire and haven’t even started saving yet, it is actually far from easy.
  4. 4. ….Continued • To start with, nobody really wants to save. I mean think of it this way, why would anybody want to save at all when they know they can spend their hard earned money today. A lot of us want to enjoy life today and that’s what makes it really fun when you can actually spend your money while you are still young and healthy. Why would anybody look forward to growing old right? But reality stinks doesn’t it? • We all have to embrace the fact that one day we are going to grow old and we certainly will need to fall back to our bank account for money. Sad Eh but true. In a nutshell, we all need to save money at some point in our lives. Whatever reasons a person saves, saving continues to be a challenge because there isn’t any money to save in the first place sometimes. With the constant rise in the cost of living and low salaries, it does present a challenge. Even people who have a good salary, they still need to maintain their high lifestyle. Well, here are 10 tips you can do to make sure you have something to save.
  5. 5. 10 Tips to Saving Money
  6. 6. 1. Start Small • Saving money is more like learning to ride a bike. No matter how many times you fall down, there comes a time when you crack the code of getting it right. The same goes with saving money out of the Salary you have. You do not need to start big but you can always commence saving by saving a few dollars every month in your bank account. If you don’t prefer a bank account, try a piggy bank or something similar. You can start with $50 then after some time; you can bounce over to $100 until it becomes a good routine. • When you do this, firstly you are giving yourself time to adjust to a routine that will probably become easy to do as time goes on. Secondly, starting small also lifts the burden off you making you actually enjoy this routine until such time you really get to Love it to the point of even saving more money.
  7. 7. 2. Cut Spending • Sometimes putting aside money means you have to sacrifice something else. There is one thing you have to understand when it comes to saving, if you are going to save money, that part would have to come from somewhere and in most cases your own income. Therefore, if one end of your income base is going to suffer, then that would be a gain to your saving. But look at the bright side, at least you know you are doing the right thing. Imagine you are saving for your child’s college education, wouldn’t it be a good thing to know that your savings will certainly benefit your children? That’s a question you have to think about.
  8. 8. 3. Exercise Self Discipline • You can hide your money under the pillow, or put it in a safe or even put it in a bank account but if you are not self disciplined, that money could disappear. As people who plan to save, when money is put wherever, you need to fine-tune your mind to refrain from ever even putting your hands near it. It all starts from there. Self- discipline is also required when you are actually putting certain amounts of money aside as savings. If your goal is to save $50/ month let it be just that.
  9. 9. 4. Leave your Credit Card Home • You know how easy it is to buy something you want using your credit card? Yep! It is so easy. Here is something you must always remember, once you get into debt chances are, you are going to fall onto your savings in order to rectify that problem. So what’s the advice here, if you are going shopping just carry the cash you really need and leave the credit card at home. Easier said than done but still needs to happen.
  10. 10. 5. Strictly Follow Your Budget • We all have a monthly budget right? If you don’t you probably need one if you are going to make the saving a success. A budget will always act as a guide when spending that hard earned money. This is the kind of guide, which must be followed, and if you notice you have over spent during one month, you have to offset that deficit in the next month. But whatever you do, never fall back on your savings, that is purely a mistake, which some people make. • If you are married, it does help to discuss your budget with your spouse so that both of you can collectively have a say on how expenses should be done.
  11. 11. 6. Caution when Borrowing • While borrowing is not such a bad idea, when it comes to the world of savings you have to exercise caution. Remember that, whatever you save is a sacrifice from part of your income. Now imagine when you take a loan that becomes an added sacrifice. It is true that we borrow for a variety of reasons, but you have to make sure you are borrowing for the right reasons. It is usually advisable to borrow money when you really need to compared to putting yourself in a unredeemable situation whereby you only have your savings to fall to in order to offset the loan.
  12. 12. 7.Grow your Savings • Investing money is certainly a good option to grow your savings. Saving money in a bank will attract some interest that sees your money multiply, but there may be better options to. But the tricky part of investing money into something while hoping to receive something in return is this, you can never be certain if you will receive a return on your investment. Therefore it always pays to exercise caution when planning an investment. I personally wouldn’t recommend using your own savings for an investment hoping that you will recover what you lost, but find money from other sources in order multiply it further. • But there are also online options too. I personally like the idea of earning money online for a variety of reasons. Firstly, you can do it at home and secondly, you don’t need a lot of investment attached especially if you are a newbie. I would like you to watch this Free Video and once you are done you can also download my Free Ebook “How to Earn money Online for the first time” by filling in the form below. • http://www.toptier4you.com/10-money-saving-tips/
  13. 13. 8. Always Check your Savings • Constantly make regular checks on the amount of savings you have. This really helps in a lot of ways firstly; it renews your determination to see your money grow. Secondly, you will ensure that your cash is actually there and nobody has actually touched it at any point of time.
  14. 14. 9. Learn from Others • Circumstances and situations differ from place to place. Therefore, if you have a friend, relative or anybody who is close to you and shares the same challenges as you,…..you can learn from them on how they save money. Learning from others, may help you see things in a whole different light. If you never thought saving was possible, after learning from somebody else that will actually give you the motivation you need to save.
  15. 15. 10. Enjoy What you Do • There is absolutely no point in getting into something if you cant learns to enjoy it. Of course, you might argue that you have to. Well, you may have a point but here is an example. Imagine you were promoted at work as supervisor for a section in your company. The job is really frustrating and people know you hate it because it shows in your face. How do you think subordinate employees will perform knowing that their supervisor’s performance is also low? Don’t expect them to do any better. But here’s the point, would it make sense for the company to keep you as supervisor? Therefore what was the point of accepting that responsibility if you knew you wouldn’t enjoy it? Similarly, why save if you wont enjoy it? You are likely to stop anyway.
  16. 16. Thank You! A presentation by www.toptier4you.com

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