There are five proven ways to help you maximize cash flow.
1. Pay yourself firs.
Set a savings goal – 10% or 15% of your gross income, and have that amount automatically transferred into a savings account every two weeks or half month. It is very important that keep the money there. Don’t make it accessible by ATM.
2. Build up a cash cushion for unexpected expenses.
It is kind of emergency fund. So you don’t have to resort to expensive credit on it.
3 month gross income is a reasonable figure.
3. Simplify your finances by consolidating your accounts in one place.
If your bank knows you are a good customer, it will give you better rates on mortgages, loans and term deposits. Maybe will waive the bank charge or give you a free safer.

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