No need to be pessimistic, there are effective ways so that you are not wasteful and can be more diligent in saving money. This method is not easy because you must have a super strong intention and withstand a series of "temptations" lifestyles that are more concerned with desires.
1. Have Strong Discipline in Managing Finances
The first step that needs to be the foundation for starting is having a strong self-discipline. Continue to practice the nature of discipline in regulating and planning financial conditions that are healthier than before. How? Start planning your financial budget and set financial targets and objectives.
Dream big Start small. Start now! Start with small things and start right now. Run and carry it out with full effort, for example starting with having an emergency fund savings as one of your financial resolutions this year.
2. Financial Evaluation and Targeting Some Goals
After evaluation and correction, determine a number of financial targets and objectives to be achieved as this year's resolution. Do an audit and check. Has your financial resolution reached last year or not? If it has not been achieved, where is your current financial condition? Can it be continued again this new year? Or need to be stopped and replaced with a new one?
Also consider what is the most appropriate and appropriate strategy, for example you can target to pay off all debts and installments that exist or at least, make it reduced by half.
Financial checks like this can make you better understand how your financial patterns over the past year. Learn from your mistakes and mistakes and make sure you don't repeat them later.
3. Take advantage of Savings Accounts Without ATM Cards
One form of assertiveness and self-discipline to prevent you from making waste is this. Take advantage of the existence of a savings account that does not provide an option to withdraw money at an ATM for its customers, aka without an ATM card. So, the money saved in your savings account can stay safe without the slightest touch.
4. Maximize the Autodebet Savings Scheme
This scheme is suitable for you to be trained more disciplined and diligent saving every month. Ask for this auto debit facility at the bank where you receive your salary transfer. In this way, the automatic transfer of your salary will be immediately deducted for safekeeping to your Auto debit account which can later be used as a deposit. This method is effective in helping you save money faster.
5. Immediate Investment
Invest your money to prevent waste. You can choose the type of investment that best suits your desires and interests. It is strongly discouraged, investments follow mere trends or tastes of friends, so choose the type of investment that is the easiest to understand and benefits reasonable calculations
Investments that can be tried ranging from gold investments, mutual funds, stocks to property. So if you've been shopping hobby all this time, go ahead. But try from now on, spend your money to buy investment products, such as stocks, mutual funds and precious metals, guaranteed to be more profitable for your financial future.
6. Try Using Trusted Financial Planner Services
If you are still confused where to start? You can also consult this year with a trusted financial planner. Try to discuss and consult what strategies are suitable to be applied in your current financial condition and ways that are suitable for you so that no longer wasteful.
Just like treating body health, we need to ask for advice and prescriptions from nutritionists and doctors so that the condition of the body remains healthy. Likewise to maintain your financial health.
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