✨️HOW TO START SAVING MONEY?✨️

Hello Lovely Sunshines 🌻

Today's tips is how to save money.

My 2024 goal is to save money for EMERGENCY and RETIREMENT.

Too early to retire, but not too late to save money from now 🤭

According to the 70:20:10 formula, 10% is for INVESTMENT. So from that 10%, I will divide it into two accounts, which are ASB & MAE.

At first, it was hard to consistently save money, but I force myself to save at least RM20 per month and gradually increase the amount.

Up until now, I have seen a lot of changes in my savings, but I still have a long way to go.

I wish for all of you who want to start saving money, please be strong and don't give up. 'Kecil kecil lama lama jadi bukit', isn't it?

Hwaiting!! 💪

by,

ETHEREAL . SUNSHINE 🌻

#WeeklyChallenge #Lemon8Diary #savingmoney #savingtips #MoneyTips #moneymanagement