Step Two: Figure Out How Much to Save
Money guru David Bach, author of Smart Women Finish Rich and The Automatic Millionaire, suggests paying yourself first. Put 10 percent of your monthly gross income into vehicles such as a general savings account (where you can grow your three-month emergency fund and the money you'll put toward financial goals) or a retirement account. Do this and you'll be way ahead of the curve: In the first half of 2006, the national monthly savings rate was negative .45 percent. Which means a person earning a monthly income of $1,500 not only spent her entire salary, but also an additional $6.75 on top of what she made — without saving a dime.
擬一個存款數額
專家建議每月把工資的10%存入定期。