Everyone has every day expenses, but you may not always get the best rewards when you spend.

Many would agree—you can get financially stuck fast without much effort, but getting financially unstuck can feel like an attempt to climb Mount Kilimanjaro.


Avoid impulsive spending! There’s tons of reflection that takes place when we pause and examine our spending expenditure. Have a clear   indication around what your true financial desires are and take a weekend to write down what you really want.


Tracking your expenses is the best way to get control of your money.

For a few reasons; first, if you want to stop living paycheck to paycheck, you have to know where your money is going and you have to give every amount spent a purpose. Tracking how much money is coming in versus how much is going out — and where exactly it’s all going is the key in making smart financial decisions that have a big impact on both your life now and your future.Tracking your bank statements with NMB KLiK (hyperlink to download App or FAQs) is the best way to be organized.


Be picky about your savings account the only way to truly begin the journey of being unstuck financially is to start, now. Not taking action and not consistently working towards moving forward can really hinder you from making progress this goes hand in hand with choosing the correct savings account. Picking the right savings account is essential in order to make sure you can save the most and earn the most.


Wondering how to manage multiple financial goals? Start by prioritizing them. Based on your long-term outcomes, place them in order by the most important ones to you. Understand that some of your goals may be more relevant and time-sensitive than others and that is completely fine. Prioritize your goals from starting with the most time-sensitive then focus on what will save you the most money in the long run. 

Even 1 percent is better than nothing. Track your progress and continue to increase the number month after month. Step by step, day by day, you can get to that 20 percent savings level.

The truth is, there are many ways to save money. Find the ways that work for you, and slowly start incorporating the strategies into your life.