Begining of another month and you ask yourself: should I save money or spend it? For majority of people, getting into debt is still the fastest and "easiest" way to buy something that would probably take months of savings and discipline.
What if most of your income is compromised with loans, mortgages and credit cards? How can I save money? Why should I save money?
Simple questions require simple answers. How can I save money? Start with a plan. Saving money is just like going to the gym: the first month is always the hardest, but once you get into it you will never want to stop. It doesn't matter if you save $50 or $500; what's the most important is creating that habit and discipline. At the same time, track and analyse your monthly spending. A lot of that spending can be and must be eliminated!
And why should I save money? It doesn't make sense to save if you don't have a goal. Write them on a piece of paper: buy a car, a motorcycle, a house, travel, etc. Break them further into short term and long term goals. Do some research to determine the price tag of each of those goals and see how much you have to save.
The key is to change your mindset from a spender to a saver!
Do you consider yourself to be a spender or a saver? Or a little bit of both?
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