Posted by: ujl January 1, 2018
saving garna kati garo ho?
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Rajmani - the answer to your question is not straight forward as saving depends on so many variables. In general, simple the lifestyle more saving will be. Saving is also an art. It has to be practiced. A married man may have hard time saving because of family responsibilities. Wives usually are notorious on spending money. More children you have more expenses will be.

I recommend you start keeping track of your expenses on an excel spreadsheet. Calculate monthly expenses and your income. See where you can cut down your unnecessary expenses, for example, check your impulse buy and see if you can cut down on it. Also, start thinking about investing on bonds or stocks.

Saving is about financial planning. It takes time, planning, habit, and a strong will to save.
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