#savings tips

[finance01301737140]

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[lauratheghost]

Save a flat 10% of all your income, treat it like a bill, and don't touch it unless you have to!

Okay see THIS is good financial advice! Thank you. 😊

I really like that you said 10% - that's not an intimidating number to me but I've seen other people recommend like 30% and that's a bit too difficult in my opinion.

I will give this a shot!

[lauratheghost]

Well now that I've spent a million dollars in the last week on concert tickets and vinyls and hotels... If anyone has great tips on saving money and living frugally, let me know! 😂

(especially if that are things that nobody talks about much... Like I already know to not eat out often and to make coffee at home 😅)

[bostonringandgem]

Engagement Rings in Boston MA

Buying engagement rings in Boston MA, is a meaningful and exciting step, but it often comes with financial considerations. Saving for this significant purchase doesn't have to feel overwhelming. With thoughtful planning and practical strategies, you can make your dream ring a reality while staying within your budget.

[femmefatalevibe]

Any tips on saving money?

Track your income/expenses. Knowing your monthly cash flow + essential and discretionary spending is the only sound starting point toward setting your financial goals.

Evaluate your non-essential spending habits. Consider where this money is going, and whether these expenses add value/are necessary to your life (pleasure or peace of mind is an acceptable "necessity" if you're living within your means to be clear!).

Determine the money you have left over after you cover your essential expenses and most fulfill discretionary expenses. This amount is your "saving/investment" money.

Divide your leftover amount into 3 categories: Emergency fund, goal-oriented savings (like buying a desired luxury item/furniture, a down payment on a house, a vacation, etc.), and investments.

Put your savings in a high-yield savings account. If possible, have different accounts for each purpose, especially your emergency fund and savings for future purposes. You can also get a CD for a long-term savings goal.

Put your investments (in the USA at least) in the following buckets: Roth IRA (max it out), ALWAYS take your employer's full 401k match, HSA (if you have a high-deductible health insurance plan), and S&P 500 index funds/other evergreen mutual funds + blue-chip stocks.

Purchase fewer, higher-quality items. Know the sales seasons for each product category and shop around this calendar (down to the produce items in season). If possible, rent items when it makes sense.

Only say "yes" to plans/financial obligations that add value/pleasure to your life. Don't let yourself feel shortchanged financially or emotionally. It's never worth it, honestly.

Invest in your physical, mental, and financial health first. This can mean something different for everyone but it's important!

**I'm not a professional, just another young woman on the internet, so please take this advice accordingly. Please meet with a financial advisor/CPA for formal advice and personal financial planning.

Hope this helps xx