Martin Welch

http://www.martin-welch.com

Lifestyle changes to add to your kitty

Month end panic

The approaching end of every month triggers worries in many households and panic in some. Few people go through their bills meticulously and keep a tab on their expenses.

With their expenses clearly in view they have no surprises waiting for them. Of course how much of the spending is under their control is a different issue altogether.

However, a sizeable number of us do nothing more than worry about paying these bills and probably end up doing so by taking new credits.

Joining investors club

Each month you settle down to the inescapable process of paying bills, but have you ever wondered as to why you never pay yourself! Beginning from the basic necessities such as electricity, water, rent or mortgage, laundry, phone, trash etc, you ensure that all these services are paid and when you start paying yourself you can include yourself in the club of investors.

This is quite simple and all you have to do is to put some money away and ensure that however small this be you are not going to use it for paying towards services! This means that you will have to make lifestyle changes and that might sound impossible for many, after all it is this very low budget spending that make life worth living.

To start with consider putting away some money every month into your savings account; though one cannot consider it as a sound investment it would be far better than frittering it away.

Start small to grow big

If you are in control of spending then you will probably know how challenging it is to save even a small amount of money.

The credits may not be bad but the saving just seems to be impossible, what with expenses that leave no opportunity for a saving no matter how meager it is.

So most people arrive at logic such as: “If a small amount cannot be saved a big investment is ruled out and hence no fun in saving” Instead of encouraging this line of thought you have to depend on the fact that you need to “start small to grow big” and do prioritize and make some lifestyle changes to contribute to your kitty.

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