“But I don’t have enough as it is!” the reader counters. Let’s look at things soberly: not all of us can afford to put aside hundreds of thousands of rubles every month. But this doesn’t mean that we should give up on savings. Ask yourself honestly: how much will your financial situation change if you put aside 10% of your income every month? In theory, it should hardly change. Test this statement in practice – put aside this money for three months. You will most likely like it.
Savings are one of the pillars of financial literacy. They form a “safety cushion” that is very helpful in the event of sudden dismissal, as well as illnesses, injuries and various force majeure situations. They also help to avoid debt – in moments of despair, people can take out extremely unfavorable credit products and agree to enslaving deals. If you have sufficient savings, you can avoid this.
Important: saving money "under the mattress" is not the best idea. It is worth opening a deposit, a savings account or getting a debit card with interest on the balance. Regardless of your income, money should work. Otherwise, inflation can simply "eat" it.
This will serve as additional motivation and improve the quality germany mobile database of life. Save up for what you really want and what you lack. At the same time, the goals should be specific, achievable and time-limited. Saving up for a new Maybach with a salary of 20 thousand rubles is problematic, but for any budget sedan it is real. And you will achieve the goal faster if you limit yourself in time. However, the deadlines should be realistic.
Achieving financial goals is the pearl of financial literacy, a reward for your efforts and right decisions. As soon as you achieve the first one, set the next ones. This way, you will be constantly motivated not only to treat money rationally, but also to improve the quality of your own life.
Please note: a savings account can optimize the achievement of a financial goal. You can set it up to be replenished automatically on certain dates and not worry about forgetting to put money aside at some point.