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i only started saving a year back and before that all my salaries were meant to spent not to save but i mean the thought i had m was āwhy save? i should enjoy and spend the money i have nowā šø
I DONT KNOW IF ITS JUST ME!! i couldnāt control spending and having cash on hand, ONLY big notes like $50/$100 is one way i control myself! otherwise i m paywaving all the money i haveš„²I know girl math paying in cash is free but in my math the money i had in my bank was freeši guess itās because u canāt physically see the money!!
ever since i started to earn big girl money(not tat much), iāve been learning how to save! thanks to my bf whoās kinda well versed in investing/saving! investing can be scary because of so many terms, the graphs and numbers even i donāt understand HAHA got āfreeā money can alreadyš¤©
my bf uses platforms like syfe, webull, tigerbrokers and he talks about bitcoin and stocks. obviously i have no idea what these are! i tried searching and watching videos on investing and i still have no clue and itās boring to meš«„
hereās how i forced myself to starting saving/investing! my bf asked ā why keep ur cash at home when u can leave it elsewhere to grow?ā makes sense right? but i donāt know how and i definitely DO NOT WANT to lose money!! then he said try low risk profile lor, low return but really is low risk.
CASH+FLEXIšµ
i put my money into cash+flexi for about 10 months and i have earned about $100+ is not a lot but i am not losing, even if i do itās a few cents/$1++ (which is my main point)š So whenever I get my pay, I park money into the portfolio immediately! I donāt follow savings rule, I just go by how i feel for the month. if iām going for a holiday soon, iāll save lesser! So, this forces me to save money because i make sure i put money aside monthly. On top of that, I can withdraw when i need to, it requires i think up to a week? for your money to be back in ur bank. SO NO IMPULSE SPENDING!!š
CASH+GUARANTEED š
itās new, wasnāt out when i started! but seeing how it has low/no risk and i could get higher and guaranteed returns i tried it out! i transferred some money from flexi to guaranteed! very easy and when approved, just gotto lock in the rate! the downside is the 3 months lock in, but if you donāt need money urgently, itās okay! after 3 months u can choose to reinvest or get the money in ur bank! but if ure determined on saving, just reinvest. let it grow even though itās small, better than nothing!
I still use cash+flexi despite the better rate in cash+guaranteed, just in case i need moneyš This has helped me a lot to save! I am still a spender, so making sure i save before i spend for the month is important to me! and unlike banks that allows you to start saving goals, u can see the money there, and itās easier and immediate withdrawal back into ur account(obv this didnāt work for meā¦)!
so hereās how i really forced myself to save! even though i still donāt understand investing and have no interest in reading more! cause GOT MONEY CAN ALREADY!š¤ hope this helps whoever whoās trying to save, yet a noob like me!š¬ Let me know other ways I can save yet grow my money!