Saving up money is often a challenge when there are various expenses to be covered, but with determination, nothing is impossible. If you’ve been having a tough time saving up, this might be a good tool to help you with it.
A “pocket” calendar. Now, you may think it’s a mini-sized (pocket) calendar, but it’s not. It’s a monthly calendar with actual pockets on it!
As you can see, each date has an individual pocket for you to stash some cash in them. According to goody25, there are apparently two ways you can put this smart calendar to use.
Method 1: On your payday, allocate an amount of money as your expense for the month, and stash the divided cash into each pocket as your “daily allowance”. This way, you could lower the chances of an impulse purchase, and keep the rest of your salary safe and sound in your bank account.
What a smart and practical way to control our spending patterns.
If you feel like this isn’t your cup of tea, you could opt for another method to use this pocketed calendar as well.
Method 2: You can put any fixed amount of cash into the pockets every single day, and each pocket is a reminder for you to save up. Let’s say you’re saving RM10 a day, and after 30 days, you will be able to save up to a total of RM300. That’s RM3,600 a year!
You could adjust the amount of money you intend to save according to your ability because it wouldn’t make sense to save money and not have any left for you to makan right?
Looking at this new evolution of “piggy bank”, you may be thinking that you need to spend more moolahs to purchase this calendar. Well, worry not. You can definitely let your creative juices flow by making a DIY pocketed calendar.
We understand that it’s difficult to save up when the living cost has been on the rise while our salary can barely cover it. A little goes a long way, and any amount of savings definitely matters.
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