Hong Kong International Diamond, Gem & Pearl Show 26/2-02/3, 2019
February 17, 2019
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May 27, 2019

Financial advice

Having your student loan payments automatically deducted from your bank account will prevent you from missing payments, making payments late and adding more debt to your personal debt. The best way to make sure you’re not missing a payment, though, is to ensure you’re taking care of your debts right! Visit this page to learn more.

How Do I Save?

If you want to get off to a good start on your financial goals, start now. Start saving now, and don’t hold out for a miracle. Set aside $200 for the first month, and don’t think about it for two months. You’re likely to want to push this number up over time, but once you’ve saved that much, the urge to put something in will be stronger than ever.

The best way to start saving, though, is by making sure you have a specific budget in mind. If you’re using a budget template from a financial website, look for one that shows you exactly how much you can save every month. But if you don’t have any budgeting tools or a specific goal, look for something that has just one budget like $1,000 for a month. This will be enough to let you know how far you’re from that goal, but not so high that you’re going to feel like it’s the end all, be all of savings.


Once you’ve saved enough, you’ll probably have the sense that you need to start thinking about how much you can realistically spend every month, but that’s not always the case. We find that a big difference between spending less and spending more comes when you ask yourself “how much should I spend each month.” It’s hard to know how much to spend, so it’s helpful to think about spending as a monthly average. In that way, you’ll be able to plan to spend less every month and still get everything you want. But if you decide that you can spend less each month, you may still find that the items you buy are still high-priced. A better approach might be to put in a more realistic budget and to build a little savings each month.

That doesn’t mean you have to do all of that at once. You can do things gradually. You can start with less, and then add one item every few weeks, one month at a time. Even with just two items a month, you’ll probably get a lot more bang for your buck than if you only plan to spend $20 or $30 a month.

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