After the big day, an incredible banquet, dance, food, liquors, photos, gifts and a honeymoon to never forget, it is necessary to land and start planning for the future as a couple as husband and wife. Finances are an important aspect in any home and to be solid, savings cannot be lacking. These tips will surely help you to do it like all financial professionals.
1. Income VS expenses
Make a list and quantify everything you receive in salaries and fixed expenses such as payments of obligations, utilities, recreation, gasoline, market, etc. Once done, they can analyze where they are spending more money and how to make a savings plan. If you consider that there are some “tastes” that can begin to decrease and turn them into savings, it will be even better.
2. Save on services
Besides helping the planet; turning off lights when they are not needed, unplugging appliances if they are not used, turning off the shower or sink faucet when lathering or brushing their teeth, considering whether they need landline service (which is little used anymore), they can save significantly and this can go directly to the account.
3. Cook together
It is a fun, delicious plan and what matters most to us: economic. Eating out in restaurants, paying for homes frequently is not good for a healthy economy. Save those outings for special occasions and start cooking at home. If you are not very skilled, explore recipes on the internet, start with simple recipes and you will see how your coffers begin to fill.
4. Use the bike
They will play sports, enjoy the road, strengthen their legs and heart, avoid many traffic jams and the best thing is that they will save amounts of money on gasoline, they will have to change the tires or make revisions with longer periods, which will help to save important to achieve what they are planning.
5. Limit outings and parties
We know that it is difficult to resist going out on weekends with friends to a good bar or trendy nightclub. It is a perfect plan for newlyweds, but if you want to save seriously it is necessary to restrict yourself since these little outings, with a few drinks in your head, will only make you waste your money.
6. Think with a cool head before buying
Many of the purchases we make are the response to some emotion; Sometimes we buy things because we feel very happy or very sad and we want that purchase to highlight our mood, but once we analyze it well, we see that it could be an unnecessary purchase.
7. Less loans
In Colombia, people generally take out loans to buy a car, a house, or study. If you want to ask for a loan for something different from the previous needs, evaluate the interest rates that are usually higher, if it would be better to save than to borrow or if you can really pay this obligation in the medium and long term.
8. Feed the pig
All those 500s and 1,000s can go straight to the piggy bank, and while it’s a small savings, you’ll be amazed at how much you will get when the piggy bank is completely full.
9. A savings account
Experts recommend that 30% of the income received should be saved. If this percentage seems high, propose a fixed amount and save it in your common savings account that will be used only to deposit money.
10. Mentalize your goal day by day
Each granite contributes, each peso that they save will help to get closer and closer to that goal. Do not lose heart because saving requires patience and dedication, but day by day and together as a couple you will achieve what you have dreamed of.
