SAVE MONEY

Money, it’s a gas. Or, at least, it runs out as fast as gas does. If you’re living paycheck to paycheck, it can be incredibly hard to start up the nest egg you’ve been planning for years. But it’s not impossible. With a few tweaks to your daily spending habits, you’ll find you have more than just spare change in your pockets by Friday evening. If you want to save money.

Automate your finance :

Set up your finances so that money is taken straight from your paycheck and deposited directly into your savings account or a retirement savings account. You can also set up your fixed bills like your Internet and cable to be automatically deducted from your checking account. Automate your finances to save time and prevent overspending. If you see extra money in your account, chances are you’ll find a way to spend it, leaving you little to invest in your future. Automation helps keep your priorities in line so that as money comes in, it is dispersed to your other accounts immediately.

Make a weekly “money date.” :

Commit to sitting down with your money once a week for a money date. During this time, update your budget, review your accounts and track your progress against your financial goals. Like any relationship, if you want your financial life to improve, you must spend time with your money.

Plan out your meals for the week :

Taking a few hours every weekend to grocery shop and meal plan for the week will definitely save you money, as dining out is the No. 1 expense for most households. By eating at home, you save money that would otherwise be spent on tax and tip—and you usually save calories, too. Get rewards. Lots of people use debit cards to make it easy to buy and budget for groceries, gas and other routine purchases. Instead of doing that, look into a credit card with a great rewards program for those daily purchases, and set it up to automatically pay the statement balance from your checking account each month. Over the course of the year, you could potentially pocket a few extra hundred dollars just by using a card with a good rewards program instead of your ordinary debit card (just make sure you’re paying off your credit card every month, so you don’t pay extra in interest).

Also Read : 8 Hot Tips Can Lead To Cool Savings

Boost your income:

If you love your job and want to grow your career, it’s time to think about boosting your income as well. Make it a goal to negotiate a raise this year. Consider your strengths and look at the value you’ve provided to your company over the last six months to a year, and discuss it during a performance review. This can feel intimidating, but it never hurts to ask.

Get rewards:

Lots of people use debit cards to make it easy to buy and budget for groceries, gas and other routine purchases. Instead of doing that, look into a credit card with a great rewards program for those daily purchases, and set it up to automatically pay the statement balance from your checking account each month. Over the course of the year, you could potentially pocket a few extra hundred dollars just by using a card with a good rewards program instead of your ordinary debit card (just make sure you’re paying off your credit card every month, so you don’t pay extra in interest).

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If you are a kid earning money  say you are about 25 years of age, do you ask yourself ‘why should I save money?’

Well if you are from an Indian family, chances are you have seen the people around you save money. Your parents, uncles, aunts, neighbors, bosses, colleagues  all of them save money, right?

Still many kids these days wonder ‘why should we save money so soon in life?’. Fair enough. One girl told me ‘My parents save a lot of money and my father-in-law invests a lot of money’  So we should enjoy, should we not? Fair enough, but all of us may not be in such a happy position.

You should save money to:

1. Have Your Own Money:  Of course your parents money will come to you, but it is nice to have your own money, right? So start as soon as possible and the money will nicely grow.

2. Create An Emergency Fund: what if your bike breaks down, or if there is some kind of a financial emergency, or just a friend who needs a helping hand. Nice to have your own cash to help your friend, right?

3. To Start Investing: I will surely do a post on why you should invest – and do it soon. However to start investing you need to create a saving corpus first. Then a portion of this can become capital of your investing corpus!.

4. Save For Buying An Asset: all asset purchases need a down payment, if not a full payment! Simple – if you buy a 2-wheeler or a 4-wheeler please make a full payment. However for a house target a 40-50% down payment.

5. Save For Your Own Education: in case you decide to do a PGPX or a PGP course you will need about Rs. 3 million. Of course you can borrow this amount, but you are much better off saving A BIG PORTION of this yourself. Reduces your re-payment burden at a later date.

6. Save For Luxuries: A Canon 5-d with a nice lens costs Rs. 3 Lakhs. Or a vacation in Australia. Whatever luxuries you have in mind costs a lot of money. If you need to fund it yourself, YOU need to save money for that. Start now.

7. A Sinking Fund: To buy assets in the future – as a fresh one or as a new asset, create a corpus. It is always useful to do that.

        I can go on and on…but these are enough for you to make a start, I hope.

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Yes, money is not everything! Money cannot be the only means of happiness! But, money surely makes a difference when it comes to converting your dreams into reality, dealing with an emergency, or leading a comfortable life.

Here are more reasons to support why ‘more money’ should be your everyday mantra.

1. More money means more freedom!:

The freedom that allows you to try new things, offer more choices and make new investments. You deserve money as much as anyone else can. Aiming for more does not mean you are greedy, rather having more can equip you and place you in a better position to even be charitable, which you may otherwise cannot afford.

2. More confidence and purposefulness:

Nothing gets better in life than the sense of accomplishment. You could achieve all your life’s goals with ease, making all your dreams come true. You can offer excellent higher education to your kids at the same time enjoy a dream vacation along with your spouse. All these are possible with more money.

3. Rule out the stress of having less or insufficient funds:

Opposite to more money is less money, which can be sucking! Your sinking reserves can get you into stress. Meanwhile, if you have to face an unexpected expense, you look around for help and borrow money, which is not a good money behavior. Your money should be your savior when it comes to dealing with any sort of expansion or unexpected expense.

4. Effectively deal with inflation:

The tricky part of inflation is that it can’t be seen in the money we earn but can be seen only in expenses. Only earning more helps combat inflation and fulfill the future needs. Moreover, life is too short that people outlive their money very soon. Financial requirements grow with time, bringing in the need for more money.

5. You can retire early with dignity:

For many, retirement is the single biggest money concern and having more money can help you retire early with dignity. You will not be a dependant on your offspring. Have more money to make your retired life the happiest phase of life.

Get rid of every limiting idea or belief that blocks your way to deserving ‘more money’. Plan your finances thoroughly based on the current financial status. Periodical evaluation of the performance of your financial planning is important too.

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