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Learn to make savings


Martindale asked her clients to calculate what means they had in order to get a more accurate picture of their finances. “Many women shudder at the thought of it,” she remarks. This is partly because they are afraid to discover something that will deprive them of a sense of well-being, not to mention the feeling of financial insecurity that arises immediately. “Many joke that they have nothing to worry about. But often they find that they have more than they expected, ”continues Martindale.
She also points out that even married women are usually a little scared when it comes to financial calculations, it is difficult for them to understand a lot if they have no experience. “Even if a wife daily deals with accounts and considers herself versed in matters of family finances, traditionally all decisions about the allocation of funds are made by her husband,” said Martindale. She creates the illusion that she manages money, while the real ability to manage money involves long-term planning. "
Martindale also asks women to test their attitude to money, partly to determine if there is a psychological barrier in their mind that impedes the start of the savings program. To understand their attitude towards money, she asks them to complete sentences of this type: “Money is for me ...” or “At the thought that I am responsible for my own financial support in the future, I ...”
She also asks them to think about what they spend money on and track their expenses for two to three months, so that it can be concluded whether everything is spent on current needs without thinking about tomorrow or if everything is saved for later and nothing is left to receive pleasure today.
She advises starting an old-age savings program as early as possible. An expert in financial planning can provide invaluable assistance in developing such a program, but you need to find someone with whom you can do business. “First, you need to familiarize yourself with the basics of doing business so that you can participate in developing a strategy for allocating funds. You don’t need to commit anyone else to everything, ”she says.
And do not assume that you have too few funds to start making savings. It makes sense to save even 10 dollars a month. For 25 years at an interest rate of only 5.25 per month, these monthly $ 10 will give you $ 6,193. If the interest rate is 10, then you will have 11,295 dollars.
“Follow the old rule of paying yourself first,” Martindale advises.