Saving is a great way to keep your finances in check, having a specific and realistic expectations about your goals will guide you automatically in the right direction when it comes to savings. If you always struggle to have money left aside at the end of every month, then having saving goals will help you achieve that. When you are able to define what exactly you are saving for, and consistently work towards it, saving will become more easy for you. 


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Saving is a very good thing, it is one of the vital ways to attaining financial freedom, whether the purpose of your saving is for emergency/rainy days as we most commonly refer to them as, or you are simply saving for some future expenses, it is a wise path to take. With money saved up somewhere, you will save yourself the pressure of borrowing money from loan sharks who will frustrate you with a large interest rate. The more you are able to save, the more financially free you continue to become. The question however is, how do we now create this saving goal is what I have come to help with.

You have to first define your goal you have in mind for saving, which could be vacation, school, a home, or whatever it is you choose to save for. Do not just save for the sake of it, instead let the saving be inspired by a particular goal that needs to be accomplished. The first thing that needs to be saved towards is your emergency fund, work towards saving an amount that can cover your cost of living for at least three to six months, but you do not have to do it all at once, you can begin gradually and grow accordingly.

There are different types of budgeting methods that can be utilized to reach your saving goals, you can apply the, zero-based budgeting approach, or the 50/30/20 approach. Not all budgeting method works for everyone, feel free to go for the one that works best for you without feeling sorry about it. To meet your goal faster, try to set a deadline for it, with a deadline you wouldn't think twice about meeting your saving target all the time. Do not frustrate yourself to the point of  not being able to live, let your target be easy for you to meet up with.


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If you are saving for different purposes, then find an account that can help you have different sections with different goals. Sometimes, you may need to prioritize one goal over the other, depending on which of them is a more pressing need. Technology has made things more easy, you can automate your savings based on how convenient it will be for you, the moment your salary enters into your account, the automation method helps you take it out before you begin to have a second thought about saving.

You do not need to beat up yourself too hard whenever you miss a saving plan, you may require money for other things at a particular time especially when unexpected expenses show up, it may be a need to reflect on your saving goals and see how well they work for you.

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