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cheapbag214s · Posted: Mon 3:03, 19 Aug 2013 Post subject: 3 Steps to Make Saving Simple-spun3

3 Steps to Make Saving Simple
"I never realized I possibly could accumulate wealth over time by placing a little bit of money aside every month,[link widoczny dla zalogowanych]. I usually thought I had to wait until I'd large amounts of money before I could start a retirement or emergency savings account,[link widoczny dla zalogowanych]."
This comment came from a lady who had been attending among my Financial Dating classes. This paradigm shift was creating a " new world " of economic possibilities to open for her,[link widoczny dla zalogowanych].
I experienced a similar shift after i helped my hubby open his retirement account. We started his account with only $25. Every month we increased his contributions by $10. Because the amount am small,[link widoczny dla zalogowanych], we found it simple to do,[link widoczny dla zalogowanych], and it never caused any financial strain.
We were in a position to boost our retirement savings much more as we paid off our credit debt. We took our monthly charge card payment and applied it towards our retirement savings. Because we'd already adjusted financially to creating our credit card payments, it had been simple to apply the instalments towards retirement. It had been a great and effective strategy Body that anyone can do.
My husband and I made a decision to "invest in ourselves first" by automating our payments towards our charge card debts, and our retirement and emergency savings. We didn't want to wait to ascertain if we'd have money offered at the end of each month. Our payments were never late, and they occurred every month - like clockwork.
I notice many couples and individuals do exactly the opposite - they wait to determine how much cash they have at the end from the month before putting it towards their savings. Unsurprisingly, when that time rolls around, they discover there is no money left!
I know the "invest in yourself first" concept can be challenging for self-employed professionals who can't predict exactly how much they'll make during a month. My recommendation is: payout your loan automatic by choosing a time of the month when you're most likely to have cash arriving from sales, projects or clients.
Some people resist the "pay yourself first" concept; they would like to conserve a sense of control over when their money leaves their checking account. Or they resist simply because they seem like there's too little "wiggle room" - they're living from paycheck to paycheck and it appears as if there's simply no extra money for savings. While it is good to see potential to deal with automating your savings, you need to be honest and get yourself: Is my current system employed by me? Is my savings growing? Is my debt getting paid off?
So, how do you pay yourself first?
You're doing so,[link widoczny dla zalogowanych], just by doing it. You're doing so when you are willing to consider using a new approach. I always tell my clients, "start small and grow tall - increase your contributions gradually over time".
It's a lot easier than you think. And once you've done it,[link widoczny dla zalogowanych], you can watch your savings grow and your debt shrink,[link widoczny dla zalogowanych], with little thought or effort.
Where to start saving is in a money market account or perhaps a money market fund.
Money market accounts are available at most banks or lending institutions where deposits are insured through the FDIC for up $100,000. They earn about double the amount interest as a regular savings account.
Money market funds are not insured through the FDIC,[link widoczny dla zalogowanych]. But when you're prepared to take a little more risk they often have higher rates of return than money market accounts,[link widoczny dla zalogowanych]. Treasury bills,[link widoczny dla zalogowanych].
So, again, some tips about what you can do now:
If opening a money market account or fund feels too intimidating,[link widoczny dla zalogowanych], open a regular checking account at your local bank. After you have done some additional research,[link widoczny dla zalogowanych], transfer the cash to some money market account or fund.
3,[link widoczny dla zalogowanych]. Start with as little as a $25 (or less) per month and make it automatic Choose a day of the month shortly after you typically receive income. Gradually improve your savings each month by 1% of the income or $10 a month,[link widoczny dla zalogowanych]. Then congratulate yourself to take a large leap towards financial health and happiness.
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