Hello everyone!!! Good Evening!
Just wanna share my experience on how am I from negative cashflow to positive cashflow and can save some for investment.
First thing first, I think from my previous post, I did mentioned the rules of 50:30:20. So, to spend on monthly expenses of 50% of your salary, 30% is for self reward and 20% for future investment. Yes, this is just a fundamental for you to force yourself to save some money.
What I did was, I played the percentage by lowering my daily expenses, and putting more percentage on my investment. From 50:30:20, I goes to 40:30:30.
I strive to get rid of my monthly commitment, lowering my self indulgence rewards and chip in more to investment. Now, I found something that I can combined my self indulgence rewards and my future investment together making it 60% out of total monthly salary. Wee!! find your self reward which can make investment too for future. ❤
till then..to be continued
Love, Sofia
My Minimalist Lifestyle 