New Born Baby
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Young Kids – School Achievement Program
Inculcating the saving habit from an early age.
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 Hey there! Curious about saving? Wondering how you saving can make a change in your life? Then you've come to the right place!

National Bonds is here to help you understand the importance of ‘Saving' and start a cool habit that will set you apart and bring you success in all you do in life.

Why save?

Ever caught yourself worrying about the next step? About fulfilling your future goals? About the stability of your family's financial status? We all go through this. And that is why it is very important to save money.

You need to set aside money because women are known to cycle in and out of work more often for various reasons including familial commitments, childbirth, etc. and also because you have a longer life span. While you can rely on your parents or your husband to support you, you will find that saving gives you absolute peace-of-mind when it comes to your stability in times of crisis.

How to save?

It only seems that saving is a difficult task. But in fact, once you start the habit of saving, you will find that it is the easiest thing to do. Soon, you will start feeling an extra bounce in your step. That's the confidence of knowing that you're doing the right thing for your future.

Say yes to saving - Do it now! Make up your mind to save and stick to your decision!

Start planning - Setting goals for yourself. Which college you want to go to, which car you want to own, which part of the world you want to live in. Making this list will motivate you to continue saving.

The saving habit

Go on 'auto-pilot mode' - Think save, save, save in everything you do. Whether it is the airfare for your next vacation or a new pair of shoes, think of ways to always save. Why stop there? Save in all aspects of your life. Save paper, save water, save electricity, save fuel. Reduce, reuse, and recycle in everything you do in your daily life. This way, you establish a habit of saving and save the world too!

Saving Tips

You're lucky! Because when you start saving young, you save more and you make it an integral part of your life.

National Bonds has compiled a few very interesting tips that will help you continue a healthy habit of saving. Enjoy!

• Don't get a credit card unless you absolutely need one.
• Avoid non-academic debt. It might seem like a good idea to buy on credit, but it's not. Focus on developing good money skills with cash. Worry about credit later.
• Save and then splurge. If you decide you must have that XBox , then save for it. Wait until you can pay cash.
• Pay your bills on time and avoid fines.
• Track your spending. Keep an expense sheet and watch out for unnecessary spends.
• Make a budget. It doesn't have to be fancy. At the start of the month, estimate how much money you'll receive and decide where needs to go. Remember: you don't need to spend it all.
• In college/school, buy used textbooks.
• Instead of going on long, expensive trip for your summer break, consider having a great times out with friends close to campus or home.
• Get a car later. Use the public transport until a point when you can afford to pay a monthly installment on your dream car!
• Take advantage of campus activities. There's always something to do. Attend free movie festivals. Pay a few bucks to see the local theatre every month. Support the sports teams. Attend lecture series. Get the most from your student ID!
• Take care of yourself. A healthy body costs far less to maintain than an unhealthy body.
• Get involved. Staying busy staves off boredom. Try out for a play. Join the astronomy club. Write for the school paper. Keeping yourself busy will avoid unexpected shopping sprees!
• Make smart choices. You can do anything you want, but you can't do everything you want. Decide what's important to you, and pursue that.
• When you want to buy something, ask yourself "Do I need it?" If you think you do, then wait for 24 hours to see if you still want it.
• Spend less than you earn.
• Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you're out of school.
• Start your own business. Can you install a hard drive? Can you perform minor car repairs? Do you know how to write? Charge cheap rates and exceed expectations. Word will spread. When you've built up a customer base, you can raise your rates a little. This is an awesome way to make money.