Some people think you can have just one bank account- a savings account or a current account and just save and spend on the same account, but you should not do that. Split your account into your savings spending and investment accounts. Once you have a separate account for your savings and your spending, that way your funds are split into different purposes, and you know for sure that this one here in this account is for my spending and this one here is for my saving. So, you know not to mix the two of them up.

Just imagine, if you have one account for both things at some point you might start to overspend and start getting into your saving without even realizing it. So, it is highly recommended for you to split up your spending and your savings account.

2. Save a percentage of your income

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Save a certain percentage of your income and not a certain amount. I know you are already saving, but are you saving a specific figure of your income, or are you saving a percentage? If you’re employed, you would expect that over the years you hope to get a promotion, probably change your job or maybe increase your income. If you are so used to saving just a certain amount of money from your monthly income, then you would continue to save that same amount even when your income increases.

It is very easy for you to figure out or find ways to spend money than increase your savings. For people that are entrepreneurs, business owners, or self-employed people that don't have fixed income on monthly basis, once you have a strategy of saving a percentage of your income then definitely even when you earn less income you would not be expected to save a whole lot of your income.

Ensure you set up a structure of saving a percentage of your income and not a certain amount so whenever your income increases or reduces you are saving a good portion of your income.

A good way to start is to save at least 15% of your earnings. I highly recommend this for beginners or people that are just trying to grow their savings. If you have challenges in taking out a portion of your income you can start from 15 or even 10 percent.

3. Start saving today

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The best time to start is not tomorrow, it's not when you get a new job, it's not after you get your desired apartment, The best time to start is today. Start from somewhere otherwise you'll find yourself continuing to procrastinate. Telling yourself "I will begin when I find another line of work or when I move to another city or when I switch my vocation or later, increasingly late won't take you anyplace. The best time to start is now. Stop procrastinating and start now.

4. Automate your finances

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Automate your bill payment, automate your credit card payment, and automate your savings payment. You simply need five minutes or less to do this. On your bank app, you can set up your way to automate your payments to a certain day of the month. On the specific date set, your bank would know to automatically debit your account and move the funds from your account into your preferred destination.

5. Seek ways to increase your income

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Regardless of how much you're earning, if your income doesn't grow or doesn't change you might still be saving a small portion of your income. Find ways of increasing your income by either getting a second job provided it would be convenient, going into a business, or investing in stocks or cryptocurrencies. Whichever works best for you. There are so many things you could do to potentially earn you legitimate extra income.
Get into it once you get into it, as long as you are saving a percentage of your income this would also help you grow your income.

So, once you get a higher income, you have a higher disposable income. Once you have a higher disposable income you can save more. You can invest more and you will even have an extra budget for you to spend.

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Thank all of you😍😍.....