When you are trying to save money every little bit can make a difference. The sooner you start the sooner you will hit your goals. Below are some smart ways in which you can save money in New Zealand.
Many people fail at saving because they haven’t set a goal. If you aren’t trying to achieve something why are you doing it? Setting short and long term goals can help make a massive difference and get you motivated.
Short term goals such as a holiday, new car or TV are great ways to get you motivated. Your long term goals should be larger such as an emergency fund or a deposit for a house.
An easy way to get your saving is to automate the whole process. Setting up an automatic payment makes it so easy that you don’t even have to think about it. Line up the auto payment with your pay cheque so that once you have money in your account, a small amount of it will be thrown into your savings fund.
To make things a bit clearer for yourself, consider changing the name of your savings account to your goal. For example if your saving up for that house deposit change it to: New House.
A somewhat obvious way to save money but should still be mentioned is paying your bills on time. A lot of companies will charge you extra late fees if you don’t pay on time. Additionally some may also give you a discount if you pay them earlier than the due date.
You will be amazed how much you can save by paying things on time or early. To get on top of your bills you can also set up automatic payments.
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