Le moyen le plus simple de télécharger des vidéos et des galeries à partir de l'application Lemon8
Bureau : cliquez avec le bouton droit de la souris et sélectionnez "Enregistrer le lien sous..." pour télécharger.
PHOTOS | |||
JPEG | Télécharger | ||
JPEG | Télécharger |
Money talk can be scary 🫣 bc it’s a sign of #adulting , as scary as it may be, #moneysaving is important! There are multiple methods to budgeting & different budgeting ‘rules’ you can follow, you can find some budgeting rules here :) Not every rule will suit you as it depends on your overall income & expenditure, find one that suits your needs~
I’d like to share my ideas on how i do my #budgetplanning ! Hopefully i’m able to relate & provide some info or motivation 🤓 My personal budgeting rule i follow is the 4-1-2-1-2 rule ✨
4️⃣0️⃣% — Necessities
For survival e.g., daily meals, transport, loans, rent
1️⃣0️⃣% — Investments
I usually like to split half half for my short term & long term investments💲. For short term, I prefer to use a higher 🔝interest savings account for my short term investments. There are many accounts you can choose from with different requirements & interest rates. However, i know majority of these higher interest savings accounts are only worth it when there’s a bigger sum of money 😭. What i prefer to do is save my short term savings in cash 💵 until i have sufficient to start an account 🏦
For my ⏳ long term investments, i’ve chosen a long term insurance investment plan. I can stop whenever i want after the initial few years, but the intention is to have it for about 1️⃣5️⃣ years!
✔️Another option that i think is considerable isETFs investments , but since i’m not 🙅🏻♀️ well-versed in stock markets or independent investing, i prefer the comfort of choosing a financial institution 🏦 to help on my investments ~
With that being said, investment isn’t for everyone, but if you’re open to, remember to choose a dependable institution & read up 📖 on basic investing info so at least you’ll know what’s gg on ❗️
2️⃣0️⃣% — Savings & Emergency funds —
I have a separate bank account for my savings where I save up for any unforeseen circumstances ☹️ & short term goals (Eg, any bigger purchases i’d like to do once in a while 👀). Saving up 💰 6 months worth of income or expenditure is good to prepare for the rainy 🌧️ days: any minor emergencies such as accidents 🤕 or replacement of spoilt necessities 🩹. Once there is sufficient savings, the flow-over can be allocated to your investment portion 📈!
1️⃣0️⃣% — Insurance
Insurance is a tool that should be included in your #financialplanning & financial portfolio. It will help you safeguard ⛑️ your hard-earned money & savings from unforeseen expenses ⚠️ (eg, hospitalisation, illnesses 😷) that will set you back from your #financialgoals ! Personalise a plan & get coverage that will suit your needs ! Personally, I recommend getting your basics down first, which is Hospitalisation & Accidental coverage. These 2 will shield 🛡️ you from unforseen additional expenditure from unexpected medical expenses 🏥
2️⃣0️⃣% — Wants & luxury (the most exciting! 🤣)
Putting mental health first and relieving our stress is key to a healthy balance, so this category is reserved for all the therapeutic shopping/ cafe-hopping/ self-care activities 💆🏻♀️😌 such as travelling, shopping & eating out 💸 However, if you don’t have sufficient amount for necessities, allocation for necessities should be prioritised over wants & luxury ☺️
#personalfinance #financesg #finance #savingmoney#mylemon8diary