If you have read different blogs or watched different youtube channels on how to build wealth, everyone says to pay yourself first.

Pay yourself first is a common phrase within the financial sphere that encourages you to save form your paychecks. Whenever you get paid, ensure to set some money aside to place into your various bank accounts, mutual funds, or investments. This will allow you to be a consistent saver so that you can build your generational wealth, pension funds as well as have funds for a rainy day.

In today’s post well be sharing with you tips on how you can pay yourself first:

1. Treat it like a bill: If you are determined to save a portion of your money, treat it like a bill/fixed expense. Your mind will be conditioned to believe that it is an actual bill for which you cannot spend any of it. If you do, you will not have enough funds to pay your actual bill. This prevents you from spending. For example, if you want to save 10% of your variable income or $1000 of your fixed expense called it the “pay yourself first” bill and place it in your budget.

2. Determine your Expenses: Regardless if you are living on a fixed or variable income, you must determine your expenses for the upcoming pay period. If you get paid on the 1st of the month, you must allocate each dollar of your income to cover your experiences. So, create a budget and write down your expected income. Then, write down all your expenses that should be covered with that pay. As well as, find the difference between. If your income is greater than your expenses, then you are okay. However, if it not then you should ….

3. Find ways to cut back on unnecessary expenses: – Yes, find ways to cut down on certain expenses. This may be hard especially if you see every expense as essential. We’re not one to tell you to stop drinking coffee because it may put you in a better mood for the day ahead. However, you must look into yourself and ask the necessary questions. For example, is there a way for me to have cheaper coffee, reduced electricity bills, cut out cable tv, or a lower phone bill. While doing the introspection, you will find ways to reduce your expenses so that your income is able to cover it.

4. Set A Savings Goal Set savings goal on a monthly or yearly basis. You may want to save $12000 for the year so you will have to save $1000 a month. Then, you would divide the $1000 amongst the number of paychecks that you will receive for the month. Setting your savings goal into smaller goals will make it easier to achieve. In addition, you can do a savings tracker or marker for you to color once the goal is completed.

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