Money Talks

Money TALkS……..?

I’m planning to save for my future but there are many distractions like……Buying loads for my celphone which has 2 sim cards.PLEASE Give me your best advise so that I can concentrate on my savings…IF I DON’T SAVE WHAT WOULD HAPPEN TO ME???THANKS FOR YOUR ADVISES WHETHER NICE OR HARSH,I’LL ACCEPT IT as long as this would help me decide on THIS ISSUE.GOD BLESS!!!!!!

Plan what you want after, say 5 years, 10 years, etc. and save accordingly. This depends on your age (how much time to retirement) and your income. Try to save a minimum of 10% (you can do more if you consciously avoid unnecessary expenses).

Its not enough if you just ‘don’t spend’ the money you have set aside. You need to look for avenues to make it earn for you. Get hold of a book and read up. You have a few options. You will need some liquid funds which you would require at very short notice – keep those in savings accounts. Some others which you wouldn’t require immediately but need after a short period – you could probably put these in bonds. Put the long term funds in equities (you could consider mutual funds). Depending on your country, you may have many more avenues. You could look at tax implications of your investments and the return they give you. The above are just pointers. You would need to do a fair amount of research before you decide. There are numerous websites where you can get this information!
Hope this helps!

ACDC – Money Talks

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