No one taught us the importance of managing our money; To promote good habits we give you tips on how to encourage savings.
In terms of personal finances there are no rules, only generalities that everyone should tropicalize according to their lifestyle and resources. What are there are key foundations that can guide you.
How to manage money
Just as nobody taught you how to manage money, we were not instilled in savings in a formal way. It is possible that in your childhood you had a piggy bank in which you kept your Sundays, but something happened in the process that that habit disappeared.
And this is where one of the keywords appears: habit. Saving requires this quality so that after a while, you do it mechanically that you don’t even realize it.
The habit is not something simple to establish
The habit is not something simple to establish. At first it costs a lot of work, especially because we see it as a sacrifice and not a way to achieve goals. For example, what if your goal is called Easter holidays. Surely this name and surname will push you to be disciplined and comply with the proposal. The objectives you set can be very diverse and as long as you decide, the important thing is to start.
One of the great reasons we fail to try to save is undoubtedly not putting savings as our priority. It is very common to make a budget, if you do it, start with other expenses and what is left over is what you will allocate to saving. This formula is the most common, and at the same time the one that works the least. More if we consider that we are accustomed to spend more than what we enter; Impossible to save with these habits.
Extremely effective to justify your saving actions
That is why many specialists warn that it is necessary to change the formula. Saving should be the priority among your expenses. Some even say it is a way to pay you; The first debt you must cover each time you receive your salary will be with yourself.
Using this thought is extremely effective to justify your saving actions. Gradually you will be forced to reduce unnecessary expenses, you will start with what you know is not vital in your list and you will gradually adjust, until that day when saving will become a sacred item of your life.
Once you manage to pay that amount on a weekly basis, biweekly or monthly basis, you will begin to strengthen this important habit. When you least realize it, you will be saving so systematically that you will not feel it.
The best of all will be that you will begin to fulfill each of the goals you set for yourself and this in turn will be an incentive to continue with this habit that will bring many benefits to your financial planning.