{"id":12666,"date":"2025-01-10T11:15:22","date_gmt":"2025-01-10T03:15:22","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=12666"},"modified":"2025-01-10T11:16:43","modified_gmt":"2025-01-10T03:16:43","slug":"financial-planning-how-to-save-more-and-boost-your-long-term-financial-health","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/financial-planning-how-to-save-more-and-boost-your-long-term-financial-health\/","title":{"rendered":"Financial planning: how to save more and boost your long-term financial health"},"content":{"rendered":"

Is saving more on your to-do list for 2025? If so, we\u2019ve got 10 practical suggestions to help you start & maintain a savings habit to boost your long-term financial health. <\/em><\/p>\n

Enjoy the present but plan for the future<\/strong><\/h2>\n

It can be tricky to strike the right balance between enjoying the present and planning for the future. Still, anyone serious about safeguarding their financial future needs to master this skill. That means restraining yourself from blasting through your entire disposable income each month and getting into a savings habit.<\/p>\n

We know it\u2019s not easy, so we\u2019ve developed 10 practical tips to help you start and maintain a savings habit as you head into 2025.<\/p>\n

10 ways to make saving easier<\/strong><\/h2>\n
    \n
  1. \n

    Automate savings<\/strong><\/h3>\n<\/li>\n<\/ol>\n

    Make saving effortless by automating deposits. The trick is to sync the automation date just after the date you get paid so that the money is taken out of temptation\u2019s way. It\u2019s the easiest way to follow Warren Buffet\u2019s famous advice: \u2018Do not save what is\u00a0left\u00a0after\u00a0spending but\u00a0spend\u00a0what\u00a0is\u00a0left\u00a0after\u00a0saving.\u2019<\/p>\n

    Do it now:<\/strong> Decide how much you want to save per month, open a dedicated savings account, and set up an automated direct debit.<\/p>\n

      \n
    1. \n

      Track your expenses<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/strong><\/h3>\n<\/li>\n<\/ol>\n

      Tracking expenses for the first time is often a sobering experience for many people. It can come as a shock to discover just how much you spend on Uber Eats\/unused subscriptions\/clothes you don\u2019t need, but the process paves the way for better spending habits, which frees up money to save.<\/p>\n

      Do it now:<\/strong> Download an app<\/a> and take control of your spending.<\/p>\n

        \n
      1. \n

        Set financial goals and monitor them<\/strong><\/h3>\n<\/li>\n<\/ol>\n

        Goal setting inspires, motivates and energises individuals to focus on successful outcomes. In a financial context, the findings of a 2024 study<\/a> suggest that \u2018setting specific, measurable, achievable, relevant, and time-bound (SMART) financial goals positively influences investment behaviour and outcomes.\u2019 The beginning of a year is the perfect time to reflect on your short and long-term goals.<\/p>\n

        Do it now:<\/strong> Check out how to set SMART<\/a> goals. Set a target amount to save over the year and diarise a date each month to monitor progress.<\/p>\n

          \n
        1. \n

          Save wisely<\/strong><\/h3>\n<\/li>\n<\/ol>\n

          Think carefully about where you place your money to maximise your return. For example, if your emergency fund is sitting in a standard current account, you can probably earn a higher interest rate by placing it in a high-yield savings account although you need to ensure it is still readily available when you need it. Excess cash held in the bank is doing your long-term financial health no favours at all.<\/p>\n

          Do it now:<\/strong> Take an inventory of your cash assets and compare interest rates to ensure you are saving wisely. A financial adviser can help you optimise your savings<\/a> by looking beyond bank deposits to get the most out of your investments.<\/p>\n

            \n
          1. \n

            Pay down bad debt<\/strong><\/h3>\n<\/li>\n<\/ol>\n

            Compound interest can be an incredible boost to your savings, but it has the opposite effect when applied to debt. Bad debt, such as credit and store cards, costs people far more than they generally realise. If you\u2019re paying more interest on debt than you are earning on savings, it doesn\u2019t make sense to have money sitting in the bank.<\/p>\n

            Do it now:<\/strong> Make an inventory of your debt and cash assets to determine if you can redirect any funds to pay off your unsecured debts. Check out our advice on how to get debt-free<\/a> here.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/strong><\/p>\n

              \n
            1. \n

              Take advantage of expatriate tax benefits<\/strong><\/h3>\n<\/li>\n<\/ol>\n

              Are you optimising your tax situation? There may be significant fiscal benefits available to you as an expatriate such as tax breaks or exemptions for foreign workers, reduced income tax rates or exemptions on certain types of income.<\/p>\n

              Do it now:<\/strong> Book a call<\/a> with one of our financial advisers to discuss your situation and ensure that you are taking full advantage of your expat status to save and invest for the future.\u00a0<\/strong><\/p>\n

                \n
              1. \n

                Leverage currency fluctuations<\/strong>\u00a0<\/strong><\/h3>\n<\/li>\n<\/ol>\n

                Currency fluctuations can significantly impact your financial health, especially if you earn in one currency but spend in another. You can free up money to save by monitoring exchange rates and identifying the best times to transfer funds from one currency to another when rates are at their most favourable. You\u2019ll usually get a better rate with a foreign exchange service than with a bank.<\/p>\n

                Do it now:<\/strong> Register with our foreign exchange service to benefit from the best possible rates.<\/p>\n

                  \n
                1. \n

                  Optimise your banking arrangements<\/strong>\u00a0<\/strong><\/h3>\n<\/li>\n<\/ol>\n

                  We recommend using both local and international bank accounts for different functions. A local bank account is useful for managing day-to-day finances and paying local bills while offshore banking often allows you to store your money in multiple currencies and may also offer lower tax rates and higher interest rates than local savings accounts.<\/p>\n

                  Do it now:<\/strong> Find out about the international offshore banking services<\/a> we offer and their benefits including potential tax benefits and multi-currency accounts.\u00a0<\/strong><\/p>\n

                    \n
                  1. \n

                    Increase automated savings with pay rises<\/strong><\/h3>\n<\/li>\n<\/ol>\n

                    A pay rise is cause for celebration but beware of lifestyle inflation! Resist spending all your new-found wealth each month and revise the amount you save each month in tandem.<\/p>\n

                    Do it now: <\/strong>Decide on a percentage of your income that you can dedicate to saving and stick to it for all income including pay rises and bonuses.<\/p>\n

                      \n
                    1. \n

                      Review insurance needs<\/strong><\/h3>\n<\/li>\n<\/ol>\n

                      Avoid overpaying for health or life insurance by reviewing your coverage each year. While underinsurance is a more common problem, new clients are sometimes surprised that savings can be made on their insurance policies without sacrificing coverage.<\/p>\n

                      Do it now:<\/strong> If you think you might be over or underinsured, why not contact us<\/a> for an insurance review?<\/p>\n

                      Putting a little thought into your financial planning makes it possible to enjoy life now while still saving for a bright future. Action some of these suggestions now and reap the benefits throughout 2025.<\/p>\n

                      Our consultants are ready and waiting to provide financial planning support and find solutions to any issues you have. If you\u2019d like a no-obligation chat to see how we can help you get more out of your savings with investments tailored to your risk profile, please get in touch<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

                      Is saving more on your to-do list for 2025? If so, we\u2019ve got 10 practical suggestions to help you start & maintain a savings habit to boost your long-term financial health. Enjoy the present but plan for the future It can be tricky to strike the right balance between enjoying the present and planning for…<\/p>\n","protected":false},"author":2,"featured_media":12669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[5,153,69],"tags":[],"class_list":["post-12666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings","category-blog","category-financial-planning","category-5","category-153","category-69","description-off"],"acf":[],"yoast_head":"\nFinancial planning: How to save more and boost your long-term financial health<\/title>\n<meta name=\"description\" content=\"If saving more is on your to do list, we\u2019ve got 10 practical suggestions to help you start & maintain a savings habit to boost your long-term financial health.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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