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Saving Money in 2015 Part 1

12 Mar

Everyone is looking for financial progress in whichever way possible. But whichever the means one settles on, saving has always been the best option for many but saving money is one of those tasks that are so much easier said than done. Everyone knows it’s smart to save money in the long run, but many of us still have difficulty doing it. There is more to saving than simply spending less money, although this alone can be challenging. I believe the first port of call when it comes to saving is to make a dedication to yourself albeit to your God or your family or whatever you choose to make a dedication by. You the resolve, a declaration something that you can swear to that you will embark on a quest to save money come hail come thunder. There are several ways to go about saving money we can explore a few right here.

The easiest way to save money rather than spending it is to make sure that that you never get a chance to spend the money in the first place. Only 24 percent of Kenyans have an adequate emergency savings cushion, and an equal 24 percent have no emergency savings at all — so the majority of people need to heed this tip. Since the biggest barrier to saving is not being in the habit of saving, the best way to get in the habit is to pay yourself first. Arranging for a portion of your salary to be deposited directly into a savings account or a retirement account takes the stress and tedium out of the process of deciding how much money to save and how much to keep for yourself each month. Decide how much you want to save and set up an automatic debit and forget about it. One can even talk to their employers to arrange that a portion of their salaries be paid into this savings account. The main thing that one must focus on is sticking to the goal set out. Another security feature is to put in a notice period on this account so as to avoid any compulsive dips into the account.

Another way to save money smartly to is track your spending. You will need to monitor how you spend money on a daily basis that will lead up to monthly spending. On can table the average items they spend on starting with this most important down to the unnecessary. With this list one can start cancelling out things they do not need and start saving. Fewer than 6 in 10 Kenyans, just 58 percent, track their spending against a monthly budget. Whether you call it a budget or a spending plan, getting a handle on your spending accomplishes two things: It helps you determine where you can cut back, and it helps maximize your savings efforts. While everyone should keep track of major expenses like housing and debt repayment, the amount of attention you devote to minor expenses generally increases with the seriousness of your financial situations.

That is it in our first instalment of money saving tips for 2015. Remember the key to saving is making a bold declaration of intention to do so and follow that up with action aimed at achieving what you set out to do. Remember make saving fun but be disciplined in your approach, stick to your task and you shall reap the rewards.




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