Why should be saving money? Top 10 reasons to start savings

Money Matters: 10 Compelling Reasons Why Saving in Your 20s is essential

Do you need to save? Why should be saving money? If you think you should, then you are thinking very well. Yes, saving is very important in our life. “Why is that?” You may wonder. We have tried to eliminate that curiosity.

Is 20-30 years the best time to save? Absolutely, your 20-30 years period is the golden period of your life. You may earn later but this is the time to save. If you are 20 years old, your responsibilities are not too much. As you grow older, your responsibilities (marriage, children’s education, household expenses, social responsibilities) also increase. Your expenses will be high. Therefore, the age that can be saved is 20-30.

Showing saving

Saving money during our 20s is incredibly important. It sets the stage for financial independence and a successful future. By saving money in our 20s, we can build an emergency fund, avoid debt, and achieve our financial goals. It also allows us to take advantage of opportunities and prepare for life transitions. Developing good financial habits early on and creating a safety net for the future are additional benefits of saving money during this crucial decade. By understanding the significance of saving money in our 20s, we can lay a solid foundation for a financially secure and fulfilling life.

Saving money during your 20s is crucial for long-term financial stability and security. By starting to save early, you can take advantage of the power of compound interest, which allows your money to grow over time. This means that even small amounts saved in your 20s can accumulate into significant savings by the time you reach retirement age. Additionally, having a savings cushion can provide a sense of security and peace of mind, as it can help you navigate unexpected expenses, emergencies, or periods of financial instability.

Saving for education,home,health etc.

Cultivating a savings habit early on sets a strong foundation for future financial success. By starting to save in your 20s, you develop the discipline and mindset necessary for long-term financial stability. It teaches you the importance of budgeting prioritizing expenses, and distinguishing between needs and wants.  Moreover, it instills a sense of financial responsibility and provides a safety net for unexpected expenses. By establishing this habit early, you pave the way for a financially secure and successful future.

What to save money for?
If you want to make the most of life’s opportunities and gain independence with confidence, it’s important to start saving as early as you can in your 20s.

Here are 10 reasons to save money in your 20s:

People save money for various reasons, it will always depend on a person’s individual circumstances. This could vary from preparing for unexpected expenses and accomplishing personal financial goals.

1.Building an Emergency Fund.

A financial safety net is crucial for stability and peace of mind. It provides a buffer for emergencies, job loss, and unexpected expenses. It helps avoid debt, allows for flexibility, and enables long-term financial goals.

An emergency fund is a dedicated pool of savings that serves as a financial safety net. It provides individuals with the means to cover unexpected expenses, such as medical emergencies, car repairs, or sudden job loss, without resorting to credit cards or loans. By having an emergency fund, individuals can avoid incurring debt, maintain a healthy credit score, and preserve their long-term financial plans. It offers immediate access to funds, reducing financial stress and providing a sense of security during challenging times. Ultimately, an emergency fund promotes financial stability and peace of mind.

2.Capitalizing on Compound Interest.

Compound interest is the interest earned on both the initial amount of money and any accumulated interest from previous periods. Unlike simple interest, compound interest takes into account the interest that has already been earned, resulting in exponential growth. For example, if you invest $1,000 with a 5% annual interest rate, the interest earned in each period is added to the principal, leading to rapid growth over time. After 10 years, the investment would be approximately $1,628.89, and after 20 years, it would grow to around $2,653.30. However, compound interest can also work against you when dealing with debts, as the interest charges can cause the debt to grow rapidly. Understanding compound interest is crucial for maximizing investment growth and managing debt effectively.

Compound interest has a superpower called “starting early.” When you start investing or saving early, even small amounts can grow into something big over time. The longer your money has to compound, the more it can grow exponentially.

Let’s look at an example. Jame starts investing $1,000 per year from age 25, totaling $10,000. Bill starts investing the same amount from age 35 to 65, totaling $30,000. Assuming an average annual return of 7%, Jame’s investment would grow to around $214,358 by age 65. But Bill’s investment, even though he contributed three times as much, would only grow to about $147,853. The big difference is because Jame’s money had more time to compound and grow.

The sooner you start better it is. Starting early gives your money a head start. It has more time to benefit from the compounding effect, where your earnings start earning more earnings. So, it’s important to encourage people to start investing or saving as early as possible. Even small contributions made early on can have a huge impact on long-term financial success.

3.Funding Higher Education or Career Advancement.

The cost of education is rising, making it harder for many to afford college or professional courses. Having savings to fund education has several benefits. It helps avoid or minimize student loan debt, provides flexibility in choosing educational paths, and offers peace of mind. With savings, individuals can attend prestigious institutions and pursue specialized programs. It also contributes to personal development, enhances earning potential, and benefits the economy. While not feasible for everyone, scholarships, grants, and alternative education options can help bridge the financial gap.

Having savings for education reduces the burden of student loans, allowing individuals to avoid or minimize debt. It also provides flexibility to invest in additional qualifications like advanced degrees or professional certifications. With savings, individuals can pursue career advancement and personal growth without financial constraints. So having education savings eases the burden of student loans and offers the flexibility to invest in further qualifications.

4.Debt Free Living.

Debt free living means that you are not paying interest on debt, which will save you a lot of money over time. Also, debt-free living provides more of a better financial future, reduces stress, and allows you to enjoy life more.

Living without debt gives you a cushion in case of an emergency. If you have debt, you’re more likely going to have to use your savings to pay off the debt. This can result in a difficult financial situation. Having savings gives you a safety net to fall back on in case of an unexpected event. Ultimately, debt-free living promotes financial stability and a healthier financial future.

5.Down Payment for a House or Car.

Saving for a down payment on a home or car has advantages like better loan terms, increased loan approval chances, and demonstrating financial responsibility. It encourages good saving habits, provides security, and reduces debt burden. Saving for a down payment offers financial benefits and promotes responsible financial habits.

Saving for a down payment on a home or car can bring several advantages. Firstly, it can lead to lower interest rates on loans, saving money in the long run. Secondly, a larger down payment means reduced monthly payments, making it easier to manage finances. Additionally, having a substantial down payment increases purchasing power, allowing individuals to afford better-quality properties or vehicles. This can lead to improved living conditions or reliable transportation. In summary, saving for a down payment offers the potential for lower interest rates, reduced monthly payments, and increased purchasing power, providing financial benefits and improving overall quality of life.

6.Better Retirement Planning.

Saving for retirement early has a powerful advantage: compound interest. Compound interest allows savings to grow exponentially over time. By starting early, even small contributions can have a significant impact. The earlier individuals save, the more time their savings have to grow and compound. This can result in a larger retirement nest egg and a more secure financial future. Additionally, early savers can benefit from potential investment returns by investing in assets with higher historical returns. Therefore saving for retirement early harnesses the power of compound interest, leading to long-term financial growth and security.

Employer-matched retirement accounts have benefits like increased savings and potential for early retirement. These accounts allow employees to contribute to their retirement savings, with the employer matching a portion of those contributions. The employer match provides free money, accelerating the growth of the retirement fund. Contributions are often made on a pre-tax basis, reducing taxable income. By taking advantage of these accounts, individuals can build a solid retirement fund and potentially retire earlier than expected, enjoying financial security and flexibility.

7. Travel and Experiences.

Creating lasting memories and gaining new experiences in one’s 20s is important. It’s a time of exploration and personal growth. Trying new activities, traveling, and meeting diverse people can broaden horizons and provide a deeper understanding of oneself and the world. These experiences bring happiness and fulfillment, and the memories can be cherished for a lifetime. They also contribute to personal and professional development, build meaningful connections, and shape future paths.

Having savings allows individuals to travel and explore the world without accumulating excessive debt. By setting aside money specifically for travel, individuals can plan and budget for their trips in advance. This provides a sense of financial security and allows for a stress-free travel experience. With savings, individuals can enjoy their trips without constantly worrying about money. Additionally, having savings opens up opportunities for more extensive and longer trips, enhancing the overall travel experience. It also promotes good saving habits and financial responsibility.

8. Flexibility and Financial Independence.

Having savings brings freedom and flexibility. It allows individuals to change careers, take sabbaticals, or pursue passions without relying solely on income. With savings, people can explore new career paths or make transitions with less financial pressure. It also provides the freedom to take breaks from work for personal growth or travel. Savings enable individuals to invest in personal development, hobbies, or start a side business. Additionally, having savings acts as a safety net during unexpected situations, providing peace of mind and security. Overall, savings offer the freedom to live life on one’s own terms.

Having savings reduces reliance on others and increases control over life choices. It provides the freedom to make decisions based on personal preferences and goals, without being limited by financial constraints. Whether it’s changing careers, taking time off, or pursuing passions, having savings empowers individuals to have greater control over their lives.

9. Health and Wellness.

Having savings can contribute to better physical and mental health. Financial stability reduces stress and anxiety, promoting overall well-being. Savings provide the means to afford healthcare expenses, fitness activities, and self-care practices. Additionally, having savings allows individuals to take time off work for rest and rejuvenation, preventing burnout. By prioritizing their health and well-being, individuals can lead happier and healthier lives.

Having savings allows individuals to afford quality healthcare, gym memberships, nutritious food, and stress-reducing activities. It ensures timely medical care, promotes physical well-being through exercise, and enables the purchase of healthy food. This contributes to better overall health and a reduced risk of illness and stress-related issues.

10. Setting Financial Goals.

Having savings allows individuals to afford quality healthcare, gym memberships, nutritious food, and stress-reducing activities. It promotes physical and mental well-being, reduces the risk of illness, and provides the means to prioritize self-care and a healthy lifestyle.

Saving money in your 20s sets a precedent for responsible financial habits and long-term financial success. It establishes a foundation for future financial stability and allows for the development of good money management skills. By starting early, individuals can take advantage of the power of compounding and grow their savings over time. This can lead to greater financial security, the ability to achieve goals, and a sense of control over one’s financial future.


10 reasons to save money in your 20s:

1. Building an emergency fund for unexpected expenses.
2. Capitalizing on compound interest for long-term growth.
3. Funding higher education or career advancement.
4. Debt free living.
5. Saving for a down payment on a house or car.
6. Planning for better retirement.
7. Traveling and experiencing new things.
8. Having flexibility and financial independence.
9. Promoting health and wellness.
10. Setting and achieving financial goals.

Start saving early for a secure financial future. Take advantage of compound interest, build a safety net, and set yourself up for future goals. Develop responsible habits, reduce stress, and enjoy the freedom that comes with financial security. Start now and reap the long-term benefits.

Saving money is an investment in your future and a vital component of achieving financial stability and success. It provides a safety net, opens doors to opportunities, and empowers you to take control of your financial journey. Start saving now to secure a brighter and more prosperous future. “Why should be saving money? Top 10 reasons to start savings” पढाई जारी राख्नुहोस्

How to make a budget in our 20s?

म कसरी बजेट सुरु गर्न सक्छु?

नेपालमा अझै पनि वित्तिय ज्ञानबाट धेरै मानिसहरू टाढा छन्।ती मानिसहरू पैसा र त्यसको बारेमा खुलेर कुरा गर्न सक्दैनन्।किन त????
 नेपालमा हाल 57.9% मानिसहरू मात्र वित्तिय साक्षर छन्।

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के तपाई आफ्नो आयलाई बुढेसकालकाे लागि अवकाश याेजना बनाउन चाहनुहुन्छ?

कि तपाईं कुनै पनि बजेटमा वित्तीय स्वतन्त्रता प्राप्त गर्ने रहस्य जान्न चाहनुहुन्छ?

कि त आफ्नो वर्तमान जागिरबाट आएकाे सबै रकम बचत गर्न नसकेर हैरान हुनुहुन्छ?

यि सबैकाे सामाधान उत्कृष्ट बजेट बनाउनु हाे।
बजेटिङ एक अति आवश्यक सीप हो जसले तपाइँलाई आफ्नाे वित्तलाई नियन्त्रणमा राख्न सहयाेग गर्दछ।यसलाई विश्वास गर्नुहोस् वा नगर्नुहोस्, आफैलाई एक वित्तीय ढाँचा दिँदा वास्तवमा तपाईलाई थप लचिलोपन, अधिक पैसा खर्च गर्न, र वित्तिय सुरक्षा प्रदान गर्दछ।तपाइँको  20 बर्षकाे उमेर र त्याे भन्दा पछि तपाईंको पुरै जिवनमा आर्थिक सफलता वा आर्थिक स्वतन्त्रताकाे लागि बजेटले महत्वपूर्ण भुमिका खेल्दछ। जसले तपाइँलाई तपाइँको पैसा प्रभावकारी रूपमा व्यवस्थापन गर्न, खर्चलाई प्राथमिकता दिन र वित्तीय लक्ष्यहरूमा काम गर्न मद्दत गर्दछ। जस्काे फलस्वरूप तपाईं आफ्नो पैसा आफूले चाहेको कुराहरूमा खर्च गर्न सक्नुहुन्छ।

तर त्यो स्वतन्त्रता संग अधिक गम्भीर प्रश्नहरु आउँछ, 
के म एक महिना धेरै खर्च गर्दैछु? 
के म यो सहि गर्दैछु? 
केमैले बचत गर्नुपर्छ?
बजेट सिर्जना गर्नाले ती प्रश्नहरूको जवाफ र थप वास्तविकतामा मद्दत गर्दछ।तपाईंले आफ्नो २० वर्षको उमेरमा किन बजेट सुरु गर्नुपर्छ प्रारम्भिक बचत गर्नु भनेको प्रत्येक पैसाबाट धेरै कमाउनु हो तपाईको भुक्तानी  कति ठूलो वा सानो छ भन्ने कुराले फरक पार्दैन। जति चाँडो तपाईंले बचत गर्न थाल्नुभयो, त्यति नै पछि तपाईंले कमाउनुहुनेछ। यो चक्रिय ब्याज भनिने सानो कुराको कारण हो। 

जब तपाइँ तपाइँको पैसा चाँडै लगानी गर्नुहुन्छ, तपाइँ त्यो लगानीमा मात्र ब्याज कमाउनुहुन्न, तर समय संग तपाइँ तपाइँको ब्याज मा ब्याज पनि कमाउनुहुन्छ। जति धेरै समय तपाईंले आफ्नो लगानी बढ्न दिनुहुन्छ, त्यति नै तपाईंले प्रत्येक पैसालाई निचोड गर्नुहुन्छ। 
यहाँ एक सरल उदाहरण छ:

22 वर्षको उमेरमा, रामले रू2000 कुनै बैंककाे व्यवस्थित लगानी योजना(systematic investment plan-SIP)मा लगानी गर्दछ जसले 10% फिर्ता प्रदान गर्दछ। उसले हरेक महिना रू2000 लगानी गर्न जारी राख्छ र ऊ 57 वर्षको उमेरमा पुग्दा उनको लगानीले उसलाई रू68,16,553.40 कमाउँछ।  अन्तिममा उसले लगानि सहित एकमुष्ट रू76,56,553.40 प्राप्त गर्दछ। 

यसलाई हरिसँग तुलना गरौं, जसले उही लगानी योजना पछ्याउँछ, तर 27 वर्षको उमेरमा सुरु हुन्छ। जब हरि 57 वर्ष पुग्छ, उनको लगानी मात्र रू38,38650.65को लायक छ र उसले लगानि सहित रू45,58,650.65 प्राप्त गर्दछ। रामले हरिले भन्दा 5 वर्ष पहिले लगानि गरेकाे कारण उनलाई रू29,77,902.75 थप कमाउन मद्दत गरे।
यस्ता लगानि याेजनाहरू धेरै छन्।बुझेर मात्रै आफ्नाे आय लगानी गर्नुहाेस्।

तपाईंको पैसाले ब्याज अधिकतम कमाउन आफ्नो पैसा ठूलो लगानीका साथ सुरुवात गर्नुपर्दैन। तपाईंले मात्र सुरु गर्नुपर्छ। बजेटले तपाइँलाई भविष्यको "वयस्क" को लागी तयार गर्दछ। 

म कसरी बजेट सुरु गर्न सक्छु? बजेट महत्त्वपूर्ण छ, तर यो जटिल हुनु पर्दैन।तपाइँको 20s मा बजेट बनाउन मद्दत गर्ने केहि चरणहरू तल बुदागत रूपमा प्रस्तुत गरिएकाे छ॥

१•तपाईंको आमदानि र खर्चको मूल्याङ्कन गर्नुहोस्: 
तपाईंको आय स्रोतहरू बुझेर सुरु गर्नुहोस्, जस्तै तपाईंको तलब, क्षणिक समय/स्वतन्त्र काम गरेबापत पाउने रकम,वा आम्दानीका अन्य स्रोतहरू। त्यसपछि, तपाईंको पैसा कहाँ जाँदैछ भन्ने कुराकाे स्पष्ट जानकारी  प्राप्त गर्न केही महिनाको लागि आफ्नो खर्चहरू ट्र्याक गर्नुहोस्। निश्चित खर्चहरू (भाडा, उपयोगिताहरू, ऋण भुक्तानीहरू) र परिवर्तनशील खर्चहरू (किराना, मनोरञ्जन, घर भन्दा बाहिर गरिने भोजन ) मा आफ्नो खर्च वर्गीकृत गर्नुहोस्। 

२•वित्तीय लक्ष्यहरू सेट गर्नुहोस्: 
आफ्नो अल्पकालीन/छाेटाे समय अवधि र दीर्घकालीन/लामाे समय अवधिका वित्तीय लक्ष्यहरू निर्धारण गर्नुहोस्। छोटो अवधिका लक्ष्यहरूमा छुट्टीको लागि बचत वा विद्यार्थी ऋणहरू भुक्तान गर्ने समावेश हुन सक्छ, जबकि दीर्घकालीन लक्ष्यहरूमा घरमा डाउन पेमेन्टको लागि बचत वा सेवानिवृत्ति/अवकाश कोष सुरु गर्न समावेश हुन सक्छ। स्पष्ट लक्ष्यहरू हुनुले तपाईंलाई आफ्नो खर्च र बचतलाई प्राथमिकता दिन मद्दत गर्नेछ।

३•बजेट सिर्जना गर्नुहोस्: 
तपाईंको आय र खर्चको आधारमा, तपाईंको वित्तीय लक्ष्यहरूसँग मिल्ने बजेट सिर्जना गर्नुहोस्। भाडा, उपयोगिताहरू, किराना सामान, यातायात, र ऋण भुक्तानी जस्ता आवश्यक खर्चहरूमा आफ्नो आयलाई विभाजन गर्नुहोस्। त्यसपछि, बचत र विवेकी खर्चको लागि एक भाग छुट्याउनुहाेस्। अप्रत्याशित खर्च वा आम्दानीमा परिवर्तनहरूको लागि अनुमति दिँदै, आफ्नो बजेटसँग यथार्थवादी र लचिलो हुनुहोस्। 

४•अनावश्यक खर्च कम गर्नुहोस्: 
आफ्नो खर्चको समीक्षा गर्नुहोस् र तपाईंले कटौती गर्न सक्ने क्षेत्रहरू पहिचान गर्नुहोस्। यसमा खाना खाने, मनोरञ्जन खर्च, वा सदस्यता सेवाहरू घटाउन समावेश हुन सक्छ। पैसा बचत गर्ने तरिकाहरू खोज्नुहोस्, जस्तै घरमा खाना पकाउने, सार्वजनिक यातायात प्रयोग गर्ने, वा बिलहरू वार्ता गर्ने। तपाईंको हालको वित्तीय अवस्थाको मूल्याङ्कन गर्नुहोस्: तपाईंको हालको आम्दानी, बचत,र लगानीकाे मुल्यांकन गरि चाहनामा नभई आवश्यकतामा मात्रै खर्च गर्ने बानी बनाउनुहाेस्। 

५•आपतकालीन कोष निर्माण गर्नुहोस्: प्रत्येक महिना आफ्नो आम्दानीको एक भाग छुट्याएर आपतकालिन अवस्थामा बचत गर्न थाल्नुहोस्। तपाईंको आपतकालीन कोषमा कम्तिमा तीन देखि छ महिनाको जीवन खर्चको लागि लक्ष्य राख्नुहोस्। यसले जागिर गुमाउने वा मेडिकल खर्च जस्ता अप्रत्याशित घटनाहरूको मामलामा सुरक्षा प्रदान गर्नेछ। 

६•उच्च ब्याज ऋण भुक्तान गर्नुहोस्: 
यदि तपाइँसँग उच्च-ब्याज ऋण छ भने, यसलाई सकेसम्म चाँडो भुक्तान गर्न प्राथमिकता दिनुहोस्। उच्च ब्याज ऋणले छिट्टै जम्मा गर्न सक्छ र तपाईंको वित्तीय प्रगतिमा बाधा पुर्‍याउन सक्छ। आफ्नो ऋण रणनीतिक रूपमा तिर्न कर्जा/ऋण लामाे समयअवधिका लागि लिनुहाेस् र प्रत्यक किस्त(installment) अनुशासित रूपमा तिर्दै जानुहाेस्। जसले तपाईंलाई ऋण भुक्तान गर्नमा सजिलाे हुन्छ। 

७•सेवानिवृत्ति(retirement)काे लागि बचत गर्नुहोस्:
तपाईंको आदर्श सेवानिवृत्ति जीवनशैलीको परिकल्पना गरेर सुरु गर्नुहोस्। तपाईं कहाँ बस्न चाहनुहुन्छ, तपाईंले पछ्याउन चाहनुहुने गतिविधिहरू, र तपाईंको इच्छित जीवनशैलीलाई समर्थन गर्न आवश्यक पर्ने वित्तीय स्रोतहरू जस्ता कारकहरू विचार गर्नुहोस्।
सेवानिवृत्तिको लागि कम्तिमा पनि आफ्नो आयकाे 20% भाग चाहिँ छुट्याउनु उपयुक्त हुन्छ।जुन छुट्टयाइएको रकम तपाईंको भविस्यकाे लागि एकदमै लाभदायक हुन्छ। नेपालमा उपलब्ध अन्य सेवानिवृत्ति योजनाहरू अन्वेषण गर्नुहोस्, जस्तै नागरिक लगानी कोष (CIT) वा कर्मचारी सञ्चय कोष (EPF)। यी योजनाहरूले क्रमशः नागरिक र कर्मचारीहरूलाई सेवानिवृत्ति लाभहरू प्रदान गर्छन्। 

सम्झनुहोस्, सेवानिवृत्ति योजना एक दीर्घकालीन प्रक्रिया हो, र यो चाँडै सुरु गर्न र आफ्नो बचत र लगानी प्रयासहरु संग संगत हुन महत्त्वपूर्ण छ।

८•नियमित रूपमा आफ्नो बजेटको समीक्षा र समायोजन गर्नुहोस्: 
तपाईंको आम्दानी र व्ययहरू परिवर्तन हुँदा, तपाईंको लक्ष्यहरूसँग पङ्क्तिबद्ध रहन सुनिश्चित गर्न तपाईंको बजेट नियमित रूपमा समीक्षा गर्नुहोस्। आवश्यकता अनुसार समायोजन गर्नुहोस् र आफ्नो प्रगति ट्र्याक गर्न जारी राख्नुहोस्। तपाईंको योजना तपाईंको लक्ष्यहरूसँग मिलिरहेको छ भनी सुनिश्चित गर्न नियमित रूपमा समीक्षा गर्नुहोस्। ट्रयाकमा रहनको लागि आफ्नो बचत, लगानी, र बजेट समायोजन गर्नुहोस्। 
बजेटकाे लागि मुख्य यी कुराहरूमा ध्यान दिनुहाेस्:
*तपाईंको आमदानि र खर्चको मूल्याङ्कन गर्नुहोस्
*वित्तीय लक्ष्यहरू सेट गर्नुहोस्
*बजेट सिर्जना गर्नुहोस्
*अनावश्यक खर्च कम गर्नुहोस्
*आपतकालीन कोष निर्माण गर्नुहोस्
*उच्च ब्याज ऋण भुक्तान गर्नुहोस्
*सेवानिवृत्ति(retirement)काे लागि बचत गर्नुहोस्
*नियमित रूपमा आफ्नो बजेटको समीक्षा र समायोजन गर्नुहोस् 

सहजताका लागि तपाईं बजेटकाे 50-30-20 नियम पनि अपनाउन सक्नुहुन्छ: 

आफ्नो कर पछिको भुक्तानीको 50% आवश्यकताहरूमा खर्च गर्नुहोस्—जस्तै आवास, उपयोगिताहरू, स्वास्थ्य हेरचाह खर्च, न्यूनतम ऋण भुक्तानी, र अन्य आवश्यकहरू। लुगा, मनोरञ्जन, सामाजिक घुमघाम, बिदाहरू, र खाना खाने जस्ता आवश्यकताहरूको लागि भुक्तान गर्न 30% प्रयोग गर्नुहोस्। वित्तीय लक्ष्यहरूका लागि 20% छुट्याउनुहोस् — जस्तै आफ्नो बचत निर्माण गर्ने वा ऋण चुक्ता गर्ने।
यदि तपाईंको ऋण छैन भने 20% भविष्यको लागि निश्चित भाग बचत र बाँकी पुरै लगानी गर्नुहाेस्। 

सम्झनुहोस्, बजेट एक सीप हो जुन विकास गर्न समय लाग्छ। आफैसँग धैर्य राख्नुहोस् र आफ्नो वित्तीय लक्ष्यहरूमा प्रतिबद्ध रहनुहोस्। 

यदि तपाईलाई याे लेख मनपरे टिप्पणी(comment) गरि सहयोग गर्नुहाेला जसले मलाई फेरि यस्तै लेख लेख्न प्राेत्साहन गर्नेछ,र तपाईंलाई याे पढेर केही प्रश्न वा जिज्ञासा छ भने टिप्पणी गर्न नभुल्नुहाेला।