{"id":3927,"date":"2018-01-16T15:47:59","date_gmt":"2018-01-16T15:47:59","guid":{"rendered":"http:\/\/zestmag.com\/online\/?p=3927"},"modified":"2018-01-16T15:47:59","modified_gmt":"2018-01-16T15:47:59","slug":"personal-budget-strategy-to-consider-this-2018","status":"publish","type":"post","link":"http:\/\/zestmag.com\/online\/personal-budget-strategy-to-consider-this-2018\/","title":{"rendered":"Personal budget strategy to consider this 2018"},"content":{"rendered":"

Eat healthier, get more exercise, save more money, take up a new hobby \u2013 it\u2019s the time of the year to make that list of self-improvements again. If your New Year\u2019s resolution involves strict budgeting, there are countless of ways to make your funds work the way you need it to.<\/strong><\/p>\n

\"\"<\/a><\/p>\n

It\u2019s more than just saving money, because the real question is, how<\/em><\/strong>? Global Fintech company Home Credit has six tips that you may consider when doing your budget plan.<\/p>\n

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  1. Track your spending<\/strong><\/li>\n<\/ol>\n

    Ask for receipts whenever possible, so you can log your expenses every day. You\u2019re not even required to log them in an Excel spreadsheet (but if that works for you, go ahead!) \u2013just keep it organized, so you can review it anytime. Remember, your goal here is to be aware of your daily spending habits so you\u2019ll know the things you can<\/em> live without.<\/p>\n

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    1. The Slush fund<\/strong><\/li>\n<\/ol>\n

      Be it an emergency or a car repair, there are high chances of encountering these unfortunate incidents. Keep them from running you into debt by having your emergency fund in an account that\u2019s easily accessible for you. But use them only for emergencies!<\/p>\n

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      1. Focus on one thing<\/strong><\/li>\n<\/ol>\n

        A house? A Car? Or just start little like a new appliance or a gadget? The point is to determine one specific goal and focus all your efforts on obtaining it.<\/p>\n

        You can\u2019t have many financial goals and try to achieve them all simultaneously without draining your other funds. Prioritize one objective and figure out how you are going to get there. If you think this means you\u2019ll have to trim your expenses, you\u2019re right.<\/p>\n

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        1. The fun fund<\/em>: cut down on it<\/strong><\/li>\n<\/ol>\n

          There are just some days when you can\u2019t resist the impulse to buy something out of boredom. Either that, or you just choose to spend on unnecessary things when you can just opt for a cheaper\u2014rather, simpler way of living. Once you have tracked your spending and found what you don\u2019t need, try to gradually\u2014if not immediately\u2014take it out of your system.<\/p>\n

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          1. The list<\/strong><\/li>\n<\/ol>\n

            List, list, and list. You\u2019ve heard it again and again to emphasize its importance. If you have a list for even the smallest things you need to buy, you\u2019ll less likely spend on impulse purchases and only stick to what you\u2019re looking for. Of course, it\u2019s a totally different issue if you decide to buy something else instead of the one on your list!<\/p>\n

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            1. Installments <\/strong><\/li>\n<\/ol>\n

              If you\u2019ve already come up with a budget plan, but think that the monthly costs might still be heavy for you, then you might find it hard to do one time big time<\/em> payments. Rather than one all-out spending, how about pay in installments to make your monthly costs lighter? Imagine paying for them and still having enough money!<\/p>\n

              It\u2019s possible, even if you have no credit card. With Home Credit, you can buy yourself a reward and pay for it through installments \u2013 at 0% interest rate. Through their simple application process and fast loan approval, you can afford the things you want, and still have spare budget to add to your other funds. It only requires your two valid IDs, a filled-out application form, and 20 minutes of your time to get approved.<\/p>\n

              Budgeting isn\u2019t just about living the matipid<\/em> lifestyle, as we Filipinos like to call it. It\u2019s more on handling your funds wisely by setting your priorities straight and maintaining your discipline to stay within your limits. And if you followed our advice to set your focus<\/strong> on one thing, Home Credit\u2019s installment promos will make sure that you\u2019ll get it in a budget-friendly way.<\/p>\n

              For more info about Home Credit\u2019s promos, loan applications, and store locations, visit www.homecredit.ph<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

              Tips to survive another year of strict budgeting and saving money.<\/p>\n","protected":false},"author":3,"featured_media":3928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[1957,1956,1373],"class_list":["post-3927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opinions","tag-budgeting","tag-home-credit","tag-tips"],"_links":{"self":[{"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/posts\/3927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/comments?post=3927"}],"version-history":[{"count":1,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/posts\/3927\/revisions"}],"predecessor-version":[{"id":3929,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/posts\/3927\/revisions\/3929"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/media\/3928"}],"wp:attachment":[{"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/media?parent=3927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/categories?post=3927"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/zestmag.com\/online\/wp-json\/wp\/v2\/tags?post=3927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}