I really want to save for the rainy days but I can't focus on it as there are many distractions like buying loads for my cellfone,Going to the Internet shop so I can participate here in YA....Please give me your best advise on how can I stay focus on my savings.....THANKS.....& GOD BLESS....
Anonymous
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the best way for a person to start a habit of saving money is have it taken out of his wages at work. then when you get a pay raise you automatically increase the amount you save.. if you can not do it at work than == treat yourself just like any of the other bills your owe -- but weekly you pay yourself (put money in savings first.) my hat is off to you -- at least you want to safe and not wanting three or four more credit cards.
john p
Set up a payroll deduction plan for savings. Maybe in a credit union or whatever your employer has available ( even savings bonds).
If you don't have it available in your net pay, you can't spend it.