It starts with “This is my year!..” followed by “.. I will save up for [enter travel plans or item plans or any plan here]”.
Saving for this and that just does not come easy for everybody. So, here is a simple formula to help you save up and reach that goal without sacrificing personal wants:
Personal Use = A – B
Savings = sum of B every after payroll
A = Earnings – Responsibilities
B = 10% of (Earnings – Responsibilities)
Responsibilities = bills, rent, and the like
As long as you only utilize the personal use amount without touching any of your savings, there’s no way you cant get your this and that.
Enjoy saving up and let me know how it goes! 😉