✔ 最佳答案
key to saving money is firstly to determine to do so
I know that sounds a little trite but its a step many people miss :)
now for the strategy
it will vary a little for each person but key is to be consistent
open a separate savings account - many banks have internet savings accounts you can just add to your existing account that dont have fees - some even offer better interest rates if you only deposit and dont withdraw each month
now, to determine how much youre willing to save
intelligently work out what youre committed to spend each week - be sure to add a little to spend on some random purchases to avoid having to cheat yourself in days, weeks and months to come
take the amount you need to spend away from what you earn - now you have a number .. is It $20, $30, $50 a week?
commit to saving that amount every week - you must never save less though you can save more sometimes if you end up with an excess THOUGH - I am a fan of not putting that extra into the savings account rather stash any extra in the cupboard - that "extra" can be a separate savings for emergencies - if it does get too big, you may decide to put some into your locked savings
now .. the really hard part
how to not withdraw your savings
its easy when it comes to a new pair of shoes or a concert ticket .. you just say to yourself NO
for other situations, it can be harder .. lose your phone? friend in desperate need of a loan?
you will be tempted to withdraw but right now say NO .. I am saving for a particular goal
anyway
its all about a plan and a little self discipline
get this sorted now and your life will be infinitely better in every respect
good luck