guide about tips for saving money

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Hi, I want knew about money savings, I have the query that, there is any loan or insurance is there to save money. If there is any thing like that to save money. Guide me about the tips for saving money. thanks in advance.

IvanOpinion

Some tips
Have realistic goals and targets and stick to them. Part of the money should be considered a reward and used for that purpose (e.g. holiday, a particular piece of jewellery etc.).

Try putting some money in accounts that make it hard to access (e.g. have long tie ins). Do nto put all your money in here in case of emergencies though.

Read Martins tips about savings (on this site) to make sure you are maximising your returns.

There really is no right or wrong way about it .. it is a case of disciplining yourself to think and live on less money than you have. For instance each month I will always save £X (of which some is to pay for future bills, some is for holiday and rest is for permanent savings). Therefore when I get my pay packet for £Y I do not think of it as £Y but consider it to be £Z (where Z=Y-X .. if you see what I mean). I never consider the £X as available money.

ivan