“YOU WILL BE MORE SUCCESSFUL BY VISUALIZING YOUR TARGET AS THE REASON OF WHY YOU ARE WILLING TO MAKE SMALL SACRIFIICES ON A DAILY BASIS IN ORDER TO SAVE FOR WHAT YOU ULTIMATELY WANT!” I can help you find ways to optimize your cash flow.

-Richard Dixon
Mortgancial Planner

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MONEY SAVING TIPS

In order to save more money, you have to first track where the wasted money is spent, then correct it from that standpoint.

Example!
If a person habitually spends money on vending machines, snacks and sodas from gas stations, fast food places, etc…They would be better off by purchasing these items in bulk next time they are at the grocery store.  Vending machines, gas stations, fast food places, restaurants, etc. tend to be higher in price. Preplanning and buying in bulk always saves money!

Have a target amount in smaller increments to accomplish a plan to save money.

Example!
Pick the dollar amount of an item that you can personally relate to desiring.  For example, a $100 item, such as a purse, item of clothing, fishing reel, etc. You will soon discover spending a few dollars unnecessarily randomly can amount to a $100.00 very quickly and had the $100.00 been spent on an item that will last for a longer duration of time, will certainly help with curtailing wasteful spending.

Saving money is essential.  Having 6 months (or more) of living expenses as a backup safety net will help you build a peace of mind and security for you and your family, especially when you are a homeowner.

The next time you contemplate spending money on items that only last for hours (a night out having drinks, junk food, etc.), evaluate what you can save by curtailing a few of these activities, and further evaluate how much longer your money would have lasted had you purchased an item that will last for a longer duration of time (a car, a house, a vacation, retirement, etc.).

Once you start the process of saving money in smaller increments, start to challenge yourself to raise the increments of savings to $500, $1000, $5000, and so forth. You will find that having some fall back money will add a bit more happiness to your lifestyle, especially when you are a homeowner.

Whether you are saving up for a major purchase (automobile, furniture, etc.) or for a down payment on a home, it is more obtainable by having a target to build from. Clip out a picture of your goal/target and place it in an area where you can see this picture daily.

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