Tips on how to successfully save money this new year

The year 2020 put an unprecedented strain on our lives, affecting us in a very big way. 2020 transformed us financially. With the consequence of this pandemic being so dire, we must look closely at our finances. We need to start saving money.

Here are some tips on how to save money this year.

Make a budget

The very first step to saving money starts with making a budget. Budget will help you find a balance between spending and savings. Work out your monthly expenditure and then deduct your expenses from your income. Always make sure that you do not spend more than you earn.

Track your spending

Look closely at what you spend your money on. Those small things that you purchase during the month, are making it difficult for you to save.

NB: you need to avoid unnecessary expenses, your expenses should be rent, car, groceries, and wi-fi/data. Do not buy clothes and cell phone on credit.

Avoid credit cards

Stay as far as possible from credit cards, they are not doing you any justice. If you have credit cards, pay them on time to avoid late payment charges.

Plan your meal

One other effecting method of saving money is by planning your meals. If you know what you eat every week, you will be able to buy enough food to last the whole month, and there will be no need for random visits to the supermarket.

In simple terms " To save money you need to figure out how much you spend per month, and then you need to find out how much money you want to save. Once you have figured all that out, you will be able to save as much money as you want".

Emergency account

You must open an emergency account. Your emergency account should at least cover your 3moths expenses. However, I will suggest that your emergency account covers at least six months of your expenses since it is so hard to find a job in SA.

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