- We often hear people tell us that they want to save, however they do not because they do not have the money, and. we are left thinking about how this is possible and we know that money sometimes is not enough for us and we must stretch it as much as possible, without However, not only as a person, but also as business owners, we must keep in mind that saving is not an option (if there is enough), this is a need that we must cover in our business environment as a staff, you will ask yourself why? We will explain below, but first we will see what saving is.
- What is saving?
- It is nothing more than the action of separating a part of the income that a person or company obtains in order to save it for future use, whether for some planned or unforeseen expense, economic emergency or a possible investment.With this simple definition, we realize that saving is not an option or something that should be done when you have excess, but rather that as individuals we must create a culture of saving, to later promote it in our business, you will wonder how I am going to save in My business and it is something that although it seems unusual it is not so unusual, perhaps you have heard the term financial cushion, it is precisely that of your earnings to create that financial cushion that can sustain you in the moments when your business is in a free fall, That is where the importance of saving lies, since it is what you will sustain yourself in your moments of crisis.Perhaps if you are still reading this blog, you have no idea how to create that culture of savings and precisely below, we will show you what steps you should follow to create it effectively.Steps to create an effective savings culture.
- 1- The reason why I want to save: It is that goal that drives me to plan and know that I must control my pocket if I want to achieve it. Identifying it will give motivation.
- 2- The time in which I want to achieve it: It is important because this will depend on how much you must save day by day to achieve it.
- 3- Know the value of what I want to acquire: Depending on the time in which you want to achieve the goal, you must define how much you should save monthly. The cost must be divided in the term that we have set ourselves to achieve it.
- 4- When you identify the value of the goal you want to achieve, compare it with your budget, so you will know if you need more time to meet it.
- 5- This goal must have a degree of importance. Define that what is going to be saved to meet it should not be used for other things, as the plan would be ruined.Knowing what these steps are so that you can start saving, we can only show you some tips that will help you to fulfill to the letter this saving culture that you will start from today.
- Tips to fulfill your savings plan.
- 1- It is not enough to say that income is not enough to save. Some habits should be changed that will help you spend less.
- 2- As soon as you receive your salary, separate the part that you are going to save.
- 3- Avoid impulsive purchases.
- 4- Avoid getting more debt.
- 5- Find out what you can save on, there will always be something. (Utilities, transportation, food).