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Ways to Build Savings

Are you one of those people who are living from paycheck to paycheck? Is the dwindling economy putting pressure on you and your family? Do you wish that there was some way that you can live comfortably and still save for your children’s college fund, a business of your own, a better house, or any expense that you might have in the future?

If you answered yes then you are one of the many people across the nation today who are striving to build their savings. Most of them think that building savings is almost impossible given these tough times, but if you have the income, all you will need are the discipline and common sense.

The first thing you will need to do is to stop living beyond your means. Some people spend more than they are earning without even realizing it. What you can do is write down a monthly budget plan to make sure that you stay in financial track. Write down your expenses in order of importance. Put savings on top as well as the bills you have to pay.

You might also want to create a graph of your income versus your expenses. Add up all the income that you gain in a month – whether it’s your salary from your job, dividends from investments, etc. This should give you a rough idea of how much money you have coming in each month. Next, tally all your expenses. List down first the necessities or indispensable expenses, such as mortgage payments for the house, grocery shopping for food, school tuition of your children and such. Follow these up with the expenses that you can do without, such as going to the movies every weekend, eating out or buying designer clothes.

Once you have subtracted all your expenses from your income and you come up with almost nothing (or worse, a negative number), then you might need to do some belt tightening. You may have to cut back on some of your luxuries and find ways to save even on the necessities. For instance, you can look for coupon codes online that let you receive discounts in many stores. You might also want to cut back on using your credit card to avoid interest.

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