Wairarapa News : February 6th 2013
25 WAIRARAPA NEWS, FEBRUARY 6, 2013 EDUCATION Make saving a habit and have money to spend By DAVID KNEEBONE Sorted spokesperson Getting ahead in life is about being in control of your money, and one of the keys to manag- ing your money well is having a regular savings habit. If you find yourself living from payday to payday and feel like you never have enough money to buy the things you want, setting aside money to spend is the solution. Starting any new habit, whether it s an exercise pro- gramme or getting more sleep, is easy at first when you re full of motivation, but sticking to it takes a longer-term commit- ment. Getting into the habit of sav- ing money, however, can be as easy as setting up an automatic transfer with your bank. Once you have a savings habit, every time those unex- pected expenses arise or you see something you want to buy, you will already have the money to cover it. The trick to starting a sav- ings habit is to think of saving as just another regular bill that you need to set money aside for. When you are working out a plan for your money and adding up your ongoing expenses, include a proportion of your income that you will regularly save and make sure you save from every pay. If instead you choose to save what is left over once the bills are paid, you may end up not putting any money into savings at all, since the amount may seem small and you may feel saving makes no difference. Yet even starting to save a little will help build the habit of saving. Saving $20 a month, for example, may show you that you don t need as much money as you think. Saving isn t about spending less money -- it s about making sure you always have money to buy the things you really want. To provide some motivation to save, set a savings goal. You may have your sights on a new laptop, a holiday in 2014 or even a set of golf clubs -- whatever the goal is, using money you have saved up rat- her than using a credit card means you ll pay less because you ll avoid interest and fees. Buying with cash also means you can shop around for the best deal -- not just the best cre- dit deal on offer. Saving isn t just about spend- ing less money -- it s about help- ing you get ahead in life. Keeping a secret works in air force Secure signal: Aircraftman Hayden Smith stands by in front of the RNZAF's longtime workhorse Iroquois helicopter at the Masterton Air Show. Being paid while studying was the smart choice for Aircraftman Hayden Smith. Hayden, 20, returned to hometown Masterton to show off his communications skills with the Royal New Zealand Air Force display team for the Wings Over Wairarapa air show. He said he thought about going to university after leaving Wai- rarapa College but chose the air force because of its career options. I could train, get paid and travel at the same time. It seemed an obvious decision to make. He said he didn t want to go to university because, everyone else was doing that . Now based at Ohakea airbase Hayden processes secure signals and protects that information, ensuring communications security is maintained. He says he enjoys the education he is getting and the skills he is learning through the courses he is taking. I see the air force as a long- term career. I can t imagine doing anything else. When he s not doing his defence job Hayden is an avid motocross competitor. He rides a Honda CRF 450. When it s not broken, he said. I ve been riding since I was 5 or 6 years old and still get to compete sometimes which is great, he says.
January 30th 2013
February 13th 2013