It’s March, Now What?

Hey guys, happy new month! It’s that time of the month when people are in high spirits, the sun is brighter, the air is fresher, the flowers are more colorful and everything seems right with the world. This is mostly because their accounts are still breathing fine. For the first few days, that remains the case, but more often than not, in another couple days, funds start to dwindle, naturally. Then in another week, the sun is just annoyingly hot. Not bright, not beautiful, just hot.

This doesn’t have to be you. The sun can stay bright (and hot) the whole month long, all you need to do is make a plan before you start to spend that money. Here are a few ideas we think might help;

  • Make A Budget: Most people follow the 50 30 20 rule, that says that you spend 50% of your salary on NEEDS, i.e. Housing, utilities, health insurance etc. 30% on WANTS, i.e. Shopping, dining out, hobbies, etc and save 20%. All of these is after tax. Works for them, should work for you too.
  • Negotiate: If you’re thinking “A whole me? Haggle?” then that’s probably why you’re broke. Being a great negotiator can save you a lot of money in the long run, start now.
  • Buy Things In Bulk: This is basically a win-win for you any way you look at it because more often than not, buying in bulk attracts discounts so now, you have it cheaper and you don’t have to run out for a while.
  • The 30 Day Rule: This simply means that when you have this great urge to buy a thing, don’t. However, you should write it down, make further research about it (to avoid regrets), do everything but buy it. If after 30 days the urge is still as strong, then you can go ahead and buy it, just not on credit.
  • Exercise Caution When Using Your ATM: They weren’t lying when they said: “It’s an easier way to spend money”. One of the ways you can beat this Swipe, swipe, swipe, insufficient fund syndrome is by having different cards for different functions and sticking to them. In essence, never take your savings card out for a fun night.

There are a lot more methods you can try if these are not exactly working out for you. You can read more books, ask more people but whatever you do, make sure you’re saving. If you ever find yourself spending more than you earn, ask yourself what you could cut out or cut back on to save some more money.

All the best, and have a great month ahead.

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