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This bifurcation of goals into short term vs long term will help in choosing the right investment instrument to achieve them. More on this later when we talk about how to achieve financial goals. The journey of setting financial goals is an individualistic affair i. A lot of times we get on the bandwagon of goal setting only to realize later on that it was not meant for us. It is important that your goals are actually your goals and not inspired by someone else. You will need to save enough; and invest those savings wisely so that they grow over a period of time to help you achieve goals.
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The first and the foremost thing to be done is to track your monthly expenses. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you would be surprised to see how small expenses add up to a sizeable amount. Also categorize those expenses into different bucket so that you know which bucket is eating the most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pump up your savings rate.
Generally, savings come after all the expenses have been taken care of.
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This is a classical mistake which almost everyone of us do. We pay ourselves last! Ideally, this should be planned upside down. We should be paying ourselves first and then to the world i.
The best way to actually implement is to put the savings on automatic mode i. Budgeting is the best to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be made.
Nowadays, several money management apps and wallets can help you do this automatically. Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions. You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.
Instead, start again. Remember that flexible plans are the most realistic plans. So go forward and try to follow your financial goals as planned but if for some reason, the plan gets out of hand for you, do not give up on it just yet. This has a lot to do with your psychology rather than any material commitment. All you have to do is to stay on the road and vow to stay on it, no matter how much you fall down.
In the book Nudge , authors Richard Thaler and Cass Sunstein advocate that in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to. Make Savings a habit rather than a goal. While it might seem to be counter intuitive to many but there are some deft ways of doing it.
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For example:. Always eat out if at all during weekdays rather than weekends. Usually weekends are expensive. Make it a habit and you would in turn be saving a great deal. So the key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice which will be harder to sustain over a period of time.
Sticking to the saving schedule to achieve financial goals is not an easy journey. There will be many distractions from those who are not aligned with your mission. And it would be rather easy to lose the grip over your discipline. Therefore in order to stay the course, it is advisable that you keep yourself surrounded with people who are also on the same bandwagon.
Daily discussions with them will keep you motivated to move forward. So if you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met. Use this journal to write down all essential points such as your short term, mid term and long term goals, your current sources of income, your regular expenses which you are aware of and any committed expenses which are of recurring nature.
When you have a written commitment on paper, you are going to feel more energised to follow the plan and stick to it. Moreover, it is going to be a lot more easier for you to follow you and track your progress. Thanksgiving holiday. Thanksgiving takes place on the fourth Thursday of every November, and the following Friday is an excuse to flock to the shops and get Christmas shopping started. Looking to get your Christmas shopping done early? Why not check out our awesome gifting guide designed for the entire family. You'll find great products at great prices.
Black Friday lasts for 24 hours, typically kicking off at midnight with deals running throughout the day. But, if you keep your eyes peeled, you might spot a few deals in advance of the hour window. The good news is that once that window is closed, Cyber Monday offers one final opportunity to make a saving. This year, Cyber Monday will take place on 2nd December.
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One theory is that the term "Black Friday" was coined by the Philadelphia police department in the '60s to describe the heavy traffic on the roads and the crowded sidewalks every Friday after Thanksgiving. A later theory is that Black Friday plays on the accounting term "to be in the black", used when a business starts turning a profit. The implication is that this window of trading is so good it keeps retailers healthy for the rest of the year. Heading out to the shops this Black Friday, or braving the traffic online? Our number one tip is to prepare early. Start populating your most wanted list using the tool at the top of the page and identify the products you'd most like to save on.
If you're heading into the fray and visiting a physical store on the day, you'll benefit from a sales assistant to help you along, though you might want to pack a good book or playlist to keep you company amidst the queues. Avoid the lunchtime rush if you can help it and try and go as early or as late as possible. If you're shopping online, bookmark your favourite pages and pick a window of time to do your browsing. Another option is to keep the Currys PC World site open throughout the morning, afternoon and evening so that you don't miss spur of the moment Black Friday bargains.
Once again, if you somehow miss out on the best Black Friday bargains, check back on Cyber Monday 2nd December for more big savings. Why not start with TVs?