Here's how to make your work work for you, by Jade Carpenter.
Do you ever think ‘I just can’t afford to save’? What a funny concept, you can afford the bits and bobs you’re spending money on, but you can’t afford to save some. Of course, sometimes the expenditure in our lives can be non-negotiable, unexpected and genuinely leave us with less than desired at the end of the day and there’s no clear answer to how to save when you feel like you genuinely can’t.
Morgan says, “If you view [building wealth] as powered by your own frugality and efficiency the destiny is clear.” Seems simple right? Be more frugal… But why is it so hard to actually do it? “Your spending habits will repeat again and again if left unchanged, no matter how much you have. Becoming ‘good with money’ or a ‘saver’ is not an overnight transformation. It is the day-to-day habits that separates the financially free from the rest.”
The thought of taking a look at my finances over the last few months is a little daunting, but maybe it’s the kick I need… “Set a financial goal for yourself – maybe it’s paying off a loan by a specific date, saving for a mortgage, a trip with your bestie, a new pair of trainers you’ve been lusting after – write it down,” advises Denise.
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