While one of the main difficulties that may arise people is to separate some of their money to be left in your account or the bank, this strategy can be much more useful and simple.
One of the key financial shared by people who have achieved economic stability and success with their finances, is the savings. It becomes a kind of first major step that the person understands the functioning of the economy and how to have a quiet, because it is the “cushion” that allows you to withstand difficult times and large expenses.
Thus, from an early age people tend to accustom the children that every time they have a currency, consider saving and accumulating several, can afford to buy what they wanted for a while; exercise that teaches how strive for small goals brings a reward at the end.
But what happens after the passage of the years and the time to grow up and become adults is that these exercises are forgotten and it becomes much easier to get money through other methods that do not require effort, time and patience, as credit or lease purchases not necessary because there are, for now, with money.
For example, have you ever saved for more than three months to buy the shoes she loves that last game or Xbox? This shows how much you can get to give in to their desires or immediate impulses and while shopping did not plan it is not going to “make poor” if it becomes a bad habit for the rest of his life, which makes him see how the money “never give him.”
So if those who always complains it does not have enough money to save, because it is what has never made it a priority, here’s a little trick to start the habit.
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- Do not worry about quantity: In itself, which aims this methodology is to develop the habit. The trick begins because you during the day, while shopping or payments is leaving “turns” in your jacket or pants pocket. Do not stir nor recasts.
- Precisely these are the protagonists of the plan: from now on, all those coins that are left after you pay something; they go directly to a piggy bank or jar you go in your house. If so, you can add a lock, put a photo of some easy and immediate goal you want and help you remember why you are doing what you are doing.
- Sometimes you may find leftover $ 300 but in others maybe $ 100 $ 1000 will remain, which will require willpower so that all these coins go directly to that vase.
- Allocate a specific time: It is recommended that it just comes home at night and know you will not go further: look in your purse or wallet, or the special pocket that we recommend, so that it becomes the first thing to do upon arrival. The truth is that the first few days can be somewhat complicated to remember. If this is the case, we recommend you set an alarm that will serve as a reminder to do so.
- Try to always have coins: It may be that one day does not end with any or throughout their working day, have spent. Do not get frustrated by this, but the idea is that over time yourself is who is required to have that extra money.
- Put a time limit and track: how convenient it would be after about three months, when the amount of coins become, at least, the ferry trip for a week.
You see, it is a law of least effort, with which you will not seek to get rich, but instead develop the ability to make saving a daily habit. With this money in small amounts or coins of $ 100, you will reach meet some daily necessities such as food or transportation although, depending on the time to do it, you can also get to build an emergency fund to help in difficult times.