Business 3D

Savings

You can save money in many different ways. For example, using coupons at a grocery store or buying things on sale that you’d buy regardless of whether or not it was on sale save you money. You can also save money by foregoing spending until a future date or by foregoing spending on non-essential items. For some people, self-control is a real issue and if the money isn’t “accounted for” immediately, they tend to spend it on impulse and luxury items that are non-essential. If you find yourself in this category, or have trouble saving, you should create an investment account that is automatically funded each month. To do this, you may need to create a monthly budget to determine a monthly savings goal. If you do create a budget, make sure that it is realistic, matches your lifestyle and that it leaves plenty of room for miscellaneous expenses that seem to pop up regularly. If you create an unrealistic budget you’ll likely save less than what your budget calls for, become frustrated and resort to your old ways.

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Step 11
Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever is left over at the end of the month. Deposit savings into an account (or your piggy-bank) as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every check in a savings account. If you get a check or sum of cash, say 710.68, move the decimal point one place to the left and deposit that amount: 71.07. This works well and requires little thought; over several years, you've a tidy sum in savings. Over decades, you'll be a millionaire.

Step 10
Know where your money is. And how much of it, too. If you accidentally overdraw your bank account, you will incur hefty bank fees; worse yet, the place you paid with that check may slap a bounced check fee on top of that, and send the check in again, resulting in a second overdraft fee from the bank! So just a few cents missing to cover that check could result in over $100 in fees. To avoid that, you should always know how much money you've got in your account(s), so you never cut a check for more than what you have.

Step 9

Open an interest-bearing savings account. It’s a lot easier to keep track of your savings if you have them separate from your spending money. You can also usually get better interest on savings accounts than on checking accounts (if you get interest on your checking account at all). Consider higher-interest options such as CDs or money-market accounts for longer savings goals.

Step 8
Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.

Step 7
Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")

Step 6
Reassess your savings goals. Subtract your expenses (the ones you can't live without) from your take-home income (i.e. after taxes have been taken out). What is the difference? And does it match up with your savings goals? Let's say you've decided you can definitely get by on $1500 per month, and your paychecks amount to $2300 per month. That leaves you with $800 to save. If there’s absolutely no way you can fit all your savings goals into your budget, take a look at what you’re saving for and cut the less important things or adjust the time-frame. Maybe you need to put off buying a new car for another year, or maybe you don’t really need a big-screen TV that badly.

Step 5
Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $300 on ice cream, $100 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.

Step 4           Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as: Rent, Car insurance, Car payments, Phone Bill, Cable Bill, Utilities, Gas, Food, Entertainment, etc.

• Keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
• Sit down once a week with your small notebook and receipts. Record your expenses in a larger notebook or a spreadsheet program.

Step 3
Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your time-frame until you come up with an approachable amount.

 Step 2
Establish a time-frame. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.

11 steps how to save money and get Healthy live

Step 1

Set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably after you stop working), and you’ll also need to figure out how investments will help you achieve FUNN.

• Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings

Day 2 Save Money on Groceries.

Shop sales and freeze. Plan your meals based on sale items in the store ad. If checken is discounted for the week, make a large batch of your favorite poultry dish and freeze the leftovers in portionready servings.
Buy normal quantities. When a product is on sale as"buy 4 for 1" you don't  have to purchase four ot them to get the sale price. Buy only as many as you'll eat before the product goes to waste.
Make snack packs. Avoid vending machinerobbery; ites van cost triple their grocery store equivalent. Buy and package healthy portions o snack mixes, fruits, and vegetables for a lateafternoon pick-me-up. Save on break-room sodas by filling empty water boyttles with lemonade.
Buy produce in season. It's less expensive to purchase produce in its  grrowing season, and it's highest  nutrient content then too. Buy fresh fruit in summer, then freeze it to enjoy smoothies all year long.
Try store brands. Brand-name products can cost up to 50 percent more than some store brands. Be willing to try store brands on certain items, but consider the quality before you decide to switch.

Day 1

Eat safe
1. Wash your hands thoroughtly after using the bathroom, touching animals and their ebvironment,especially before handling food.
2. Cook meats thoroughly. Ground beef and meat that has been neeedletenderized should be cooked to at least 160 to 170 C. Use a thermometer as color is not a very reliable indicator of " doneness."
3. Avoid raw milk and unpasteurized juices. Do not swallow water when swimming in lakes, ponds, streams or poll.
4. Stay hydrated.
5. Eat dry foods and clear broth
6. Get lots of rest.

7. Seek medical attention.