Now that you know how much you have left over, you can decide how much to pay yourself. Experts recommend differing amounts. In the famous personal finance book The Wealthy Barber, the author David Chilton recommends paying yourself 10% of your net or take-home income. Other experts recommend anywhere between 1% and 5%.. The best solution is to pay yourself as much as you can based on your leftover amount each month. For example, if you have $600 left over at the end of the month, and your income is $2,000, you would be able to save up to 30% of your income. (You may only want to put 20% of that in savings, leaving yourself a little wiggle room for unexpected treats or expenses.) Once you know how much you can possibly pay yourself, try to set a goal for a savings amount. For example, your goal may be retirement, education savings, or a house down-payment. Determine the cost of your goal, and divide that by the amount you can pay yourself monthly to determine how long it will take to attain in months.  For example, you may want to save for a $50,000 home down payment. If you have $600 left over every month and choose to save $300 of that, it would take you a very long 13 years to save $50,000. In that case, you could boost your savings amount to $600 to drop the time in half (since you have $600 left over). Keep in mind that if you invest your money in a high interest savings account, or in other types of investments, the return you get would further shorten your time. To figure out how fast your saving amount will grow at a certain rate of return (say 2% per year), go online and search "Compound Interest Calculator." This account should be only for a specified goal, usually saving or investing. If possible, choose an account with a higher interest rate — usually these types of accounts limit how often you can withdraw money, which is a good thing because you're not going to be pulling money out of it, anyway.  Consider opening a high interest savings account. Many institutions offer these, and they typically pay rates that are well above a checking account. You can also consider opening a Roth IRA for your savings. Roth IRA's allow your wealth to grow tax-free over time. Within a Roth IRA, you can purchase stocks, mutual funds, bonds, or exchange traded funds, and these products all offer the opportunity to earn a higher return than a high interest savings account. Other options include traditional IRAs or a 401(k). If you have direct deposit, have a portion of each paycheck automatically deposited into the separate account. You can also set up an automatic monthly or weekly transfer from your main, active account to your separate account, if you can keep track of your balance enough to avoid overdraft fees. The point is to do this before you spend money on anything else, including bills and rent. Don't touch it. Don't pull money out of it. You should have a separate emergency fund for just that — emergencies. Typically that fund should be enough to cover you for three to six months. Do not confuse an emergency fund with a saving or investing fund. If you find that you don't have enough money to pay your bills, look for other ways to make money or cut expenses. Don't charge them on your credit card (see Warnings below).
قرر كم تود أن تدفع لنفسك. ضع هدفًا للمدخرات. أنشئ حسابًا منفصلًا عن حساباتك الأخرى. ضع تلك الأموال في حساب حالما تتوافر. دع المال وشأنه.