Proper savings and credit
Following sound savings plans and maintaining a good credit history is a must to achieve personal financial management goals, while wrong practices are counterproductive.
Saving is the cornerstone of planning in order to achieve all your projects, and starting with saving is usually the most challenging part, but commitment and perseverance are the best guarantee of success in reaching your goals. To ensure success, follow these tips:
- Determine a goal you want to save for in order to develop a successful savings plan
- Record your expenses for a month and set out basic expenses in order to know what you may save on
- Make a monthly spending plan and stick to it so that by the end of the month you can save the planned amount in your savings account
- Do not underestimate the importance of saving small amounts. With time you will see their importance.
- Do not go shopping without a plan. Make a specific list of purchases so that you do not spend what you planned to save
- Open a savings account to save money in, knowing that you can benefit from the prizes offered by the bank during various savings campaigns
- You can easily make a "Fixed Standing Order" to transfer a specific amount of your monthly salary to the savings account through Islami Online and Islami Mobile services.
- Watch your savings account grow through Islami Online and Islami Mobile services
- Make sure you really financing before applying for a loan
- Verify the monthly installment you can pay
- Commit to paying your installments to maintain a default-free credit record
- Make sure your credit card limit is commensurate with your credit obligations.
- Make sure you understand the terms of the contract before signing on a loan or credit card contract.
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