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7 Tips to save and keep expenses under control

7 Tips to save and keep expenses under control

Have you ever wondered about your money behaviour? Perhaps you’re a saver and you feel satisfaction every time you look at your growing account balances. Or maybe you’re an impulsive shopaholic, looking at life as something to enjoy today, so you buy on impulse and pay little attention to how you’ll survive in the future?

What does shape the way we view money? According to several studies the chemistry of the brain is crucial in our financial habits. The invariable fact is that we alone take responsibility for the present and the future of our finances. Continuously improved financial literacy and smart money management constitute mandatory components in the age of consumerism.

Some crucial advice on savings culture:  

1. Create an Emergency Fund
Start with a specific goal of creating an emergency fund. That step makes a big difference. Low-income households, but with a small emergency fund, do better than average-income households, but with no savings.

2. Make a Savings Plan
Those with a savings plan are twice as likely to save successfully. Here it helps Credins Bank with savings deposits keeping you informed and motivated to save. Plus Deposit is a very good systematic savings plan with periodic crediting on a deposit of funds saving from your salary.

3. Check your Savings
Make your savings visible by checking your balance online in your personal account Credins Online . Explore the security satisfaction of having a savings account balance when you check it out and see with your own eyes the growing amount that drives you to save more.

4. Spend Less than You Earn
No matter how much your income is, you always spend less than you earn. Draft a Priorities List and focus on that. Record expenses, as the first step of saving is knowing how much you are spending.

5. Get Informed and Save Wisely
Cultivate ongoing financial literacy and make smart choices. At Credins Bank , you can get information on choosing your savings plans. If you open up one Term deposits or the other Calendar Deposit you can even benefit from higher interests, not just save but also earn.

6. Save Consistently
Saving a little every day you can go a long way. Practice the rule of 24 hours. This rule helps avoid purchasing expensive or unnecessary items on impulse. Think over for at least 24 hours for the most necessary purchase and do not get seduced by the unessential.

7. Avoid Late Payments
Pay all bills and liabilities on time. Therefore, you do not pay interest on arrears and do not fall into unnecessary debt by pushing the deadlines. Use only your bank’s ATMs to avoid withdrawal commission on other banks’ ATMs.

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