Читать книгу Financial Adulting - Ashley Feinstein Gerstley - Страница 76

Break each goal you plan to work toward down into monthly contributions. You can do this by dividing the amount you need for the goal by its timeline. If I want to save $3,000 for my rainy-day fund this year, that's $250 per month ($3,000/12). If I want $50,000 for a down payment in three years, that's $1,389 per month ($50,000/3 years = $16,667 per year/12 months = $1,389). If you prefer to contribute biweekly or weekly, do that instead.

It might be unrealistic to save $250 or $1,389 per month. That's just a starting point to give you an idea. You can start small and go up from there. If you receive one-time or less frequent sources of income like a bonus, commission, inheritance, or payout, that can also go toward your goals.

Important Reminder: Not everything has to go toward your goals. You might decide on a celebration gift for part of the money as well.

When making your preliminary plan you'll also want to decide where the money goes. If you're paying down debt, the money will go directly to your debt payments, but if you are building your rainy-day fund, you'll want to have a savings account for that.

Goal	How Much	How Often	Where
Example: Minimum Rainy-Day Fund	$250	Monthly	HYSA (high-yield savings account)