Money Smart

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I decided one day to save money (a lot of money) fast - as quickly as possible. And I did it. Now I looked back and wondered how I did it. These are 5 things that I reckoned made me able to save a lot of money fast - as quickly as possible. I have a burning desire (a goal). I know the reason I must save money fast . It is because I have my burning desire - my goal. That is, I want financial freedom and financial independence. I know shopping and going clubbing cost a lot of money and give me short term happiness. However, I know that financial independence and financial freedom will give me a more permanent happiness and a huge sense of achievements. For financial independence and financial freedom, I persisted to save as much money as possible quickly. And I did it. Click here to find out on how I stick to my budget and achieve 75% saving rate every year. I created a daily actionable items I have a SMART goal which I broke down to a s...

Fortnightly Savings Report for First Fortnight of March Expenses for the next fortnight: Groceries $100 Entertainment $100 Monthly utilities $150 Private Health Insurance $40 Savings this fortnight 80% of my income Read below on how to achieve that :) As part of my money management practices, on every payday, I spend roughly ten to fifteen minutes to manage my money for the next fortnight. In my money management and budgeting practise, I emulate the ‘envelope system'. This is part of my budgeting routine (money management practice) that helps me to stick to my budget. Read through to find out how I save on average 75% of my income consistently year after year. Tools needed: Your netbank Your personal calendar Your completed budget planner Your expenses for the next period (fortnight) Pen & paper (optional) Time: 10 - 15 minutes So let’s budget and let’s save. So what I do first thing on eve...