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When Saving Is A Struggle To You . . .
There is no secret or disagreement in the fact that saving is a crucial part on creating a healthy financial environment. Either you are family making $30 or $300 thousand a year, you simply cannot go on spending every cent you make . . . eventually, you'll go into deep debt facing major financial distress.
Savings are vital for more than one purpose, but all those reasons summarize to one: to keep us out of debt by being able to pay in cash for certain things (especially emergency situations), rather than having to charge a credit card. However, in spite of the importance of having a savings account, many people simple don't know how to save . . . others don't even think about it.
Does this subject hit home to you? Do you know the importance of having a savings account, but don't seem able to accomplish it? Do you know someone in this situation?
If saving seems to be an impossible task for you to accomplish, these are useful ideas that will help you get started on your path of becoming an avid saver!
Even though my blog is not directly focused on money & finances, as an accountant, I do understand the importance of this subject. So I decided to post occasional articles dedicated to this topic, starting with the importance of having a budget.
The definition of budgeting is: “to allow a specific amount of money for a specific purpose.” It is as simple as it sounds; you allocate how much money you can spend on each expense you have.
Though it is a rather simple task, it is an extremely powerful tool as it gives you a clear visual perspective of how much you have available in income, how much you can spend, and where you can or not spend it. In other words, a budget is how you monitor where your money is going, and without it is like hitting that piñata while blindfolded, you are just guessing where to hit.
So, no matter if you make $25,000 or $250,000 a year, create a budget, to make sure you are in complete control of your finances!