saving money every monthby monthly

saving money every month is SIMPLE

there’s just ONE PRINCIPLE

„If you want to save, you have to put the savings away at the beginning of the month.”

Johan van der Merwe CEO Sanlam Investments

http://youtu.be/-SH6dbvFtmw?t=54s

your month starts here

day 1 day 30

here you do TWO THINGS

day 1 day 30

FIRST, you plan your budget (income - expenses = savings)

day 1 day 30

income

expenses

savings account

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100 100 100 100 100 100 100 100 100 100

100 100 100 100 100 100

100 100 100 100

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day 1 day 30

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

savings account

100 100 100 100

100 100 100 100 100 100 100 100 100 100

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

savings account

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SECOND, you transfer this to your savings account,

it stays there until the end of the month

day 1 day 30

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100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

savings account

100 100 100 100

100 100 100 100 100 100 100 100 100 100

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

THEN you start tracking your expenses along the month

day 1 day 30

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100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

when the month ends, you’ve spent

around everything

day 1 day 30

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100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

100 100 100 100

100 100 100 100 100 100 100 100 100 100

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

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well, except for this this is what you

SAVED THIS MONTH

day 1 day 30

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100

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100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

100 100 100 100

100 100 100 100 100 100 100 100 100 100

this is what you SAVE EVERY MONTH

day 1 day 30

100 100 100 100 100 100 100 100 100 100

100 100

100

100

100

100 100 100 100 100

100 100 100

100 100

100 100

100 100 100

100 100 100

100 100 100

housing

transportationphone billelectricity bill

eating outgroceries

clothingbookscraft beershobbywhatever else

expenses

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this is what you SAVE EVERY MONTH

👍👍👍

there is an app for that

1. plan your budget for this month

2. transfer the surplus to your savings account

3. track all expenses

…so that you never exceed your budget

Now, at the end of the month…

👍👍👍

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here’s what you saved!

monthly https://itunes.apple.com/app/id789876133?mt=8

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