A simple 2-step plan for saving more money | Your Money and Your Mind

Transcriber:

Everyone's heard of the tired old adage

Translator: Zilola Ashurova Reviewer: Dilnoza Nishanova

Barchamiz eski bir maqolni eshitganmiz -

of paying yourself first.

Avval o’zing uchun to’la.

But that saying lacks a lot of useful details.

Ammo bu maqolda ko’p foydali tavsiflar yetishmaydi.

How do you actually pay yourself first?

Aslida qanday o’zingizga birinchi to’lashingiz mumkin?

So today, I'll lead you through some changes you can make

Demak, jamg’armangiz yo’lini yaxshilash uchun bugun sizga

to improve your saving strategy.

men ba’zi yo’l-yo’riqlar ko’rsataman.

[Your Money and Your Mind with Wendy De La Rosa]

[Uendi De La Rosa bilan Pulingiz va Miyangiz]

First and foremost, you should focus on only one goal at a time.

Avvalambor, bir vaqtning o’zida faqat bitta narsaga diqqat jamlashingiz kerak.

Typically, we think about having multiple savings goals

Odatda, ko’p narsalar uchun ko’p jamg’arma maqsadlarimiz

for multiple things.

bo’lishini o’ylaymiz.

We have an emergency savings fund,

Favqulod uchun jamg’arma fondi,

a vacation fund, a wedding fund,

dam olish, marosimlar fondi,

a car fund ...

moshina fondi ...

But one great study compared people's savings progress

Bir ajoyib tadqiqot - odamlar 5tadan ko’ra bitta jamg’arma maqsadiga

when they had one savings goal compared to five savings goals.

ega bo’lganlarida, ularning jamg’armalari rivojlanishiga solishtirildi.

And it turns out that when participants had just one savings goal,

Aniqlanildiki, ishtirokchilarda 5tadan ko’ra bitta jamg’arma maqsadi

they saved more than when they had five.

bo’lganda, ular ancha jamg’arishgan.

The research showed that if you made progress

Tadqiqotda ko’rsatilishicha, faqat bitta

in just one of your savings accounts,

jamg’arma hisobingizda rivojlanish bo’lsa,

you'd think you've made progress across all of them.

barchasiga yaxshi natijaga erishdim deb o’ylarkansiz.

Like multitasking at work,

Ishda ko’p vazifalik kabi,

splitting your attention across multiple savings goals

diqqatingizni ko’p jamg’arma maqsadlariga

just isn't efficient.

bo’lishning o’zi samarasiz.

Now, that's not to say

Bu faqatgina bitta jamg’arma

that this will be your only savings goal;

maqsadingiz bo’ladi degani emas.

you'll have many more throughout your life.

Hayotingizda yana ko’plariga ega bo’lasiz.

But I want you to think about the one thing that you want to focus on

Ammo bir yil keyingi olti oyida bir narsaga

over the next six months to a year.

diqqat jamlashni o’ylashingizni istayman.

Start with your emergency savings fund,

Favqulod jamg’arma fondidan boshlang,

even if it’s 500 dollars or 600 dollars, the average cost of a car repair,

hattoki 500 yo 600 dollar bo’lsa ham, mashina ta’mirlashning o’rtacha narxi,

and then go from there.

va shunday davom eting.

Now that you have a primary savings goal in mind,

Asosiy jamg’arma maqsadi fikri bo’lgandan so’ng,

let's focus on helping you increase the amount that you save.

to’plagan miqdoringizni ko’paytirish yo’llari haqida o’ylang.

Your main savings strategy should be

Asosiy jamg’arish usulingiz

to switch from having to remember to save a small amount every month

daromadingizni olganda har oy kam miqdorda jamg’arishni esda saqlashdan

to saving a percentage of your income automatically,

avtomat tarzda daromadingizni qanchadir foizini

any time you receive income.

to’plashga o’tish bo’lishi kerak.

Now, some people advise saving 10, 15 or 20 percent of your income,

Ba’zi odamlar daromadingizning 10, 15, 20 foizini to’plashni tavsiya qilishadi,

but that's not important.

biroq, bu muhimmas.

You know your financial situation.

Moliyaviy holatingizni bilasiz.

You know how much you can manage to save.

Qancha jamg’ara olishingizni ham bilasiz.

The real trick is to find a provider

Asl hiyla shundaki, hech u haqida boshqa

that lets you set up an automatic savings plan

o’ylamaydigan avtomatik jamg’arish rejasini

and not to have to think about it ever again.

sizga o’rnatib beradigan ta’minotchini topish.

The "set it and forget it" approach

“O’rnat va unut” yondashuvi

is shown to help you save more.

ko’proq jamg’arishingizga yordamlashadi.

Researchers believe that passive systems like this are successful,

Tadqiqotchilar ishonishicha, bunga o’xshash passiv tizim muvaffaqiyatli,

because they work with our tendency towards inertia.

chunki intertsiyadagi moyilliksiz ham ular ishlaydi.

You don't have to manually initiate each subsequent transfer,

Har bir keyingi o’tqazmani o’zingiz qilishingiz shartmas,

and you won't be tempted to hold back a bit

va har safar jamg’armaga ko’chirishda ozgina ham

every time you make a savings transfer.

saqlab qololmaysiz.

I want you to take the time right now to find a provider.

Hozirning o’zida ta’minotchi topishga vaqt ajrating.

Go to your app store, download the app

Ilova bo;limiga kirib, ilovani yuklang,

and set up your automatic savings plan.

avtomatik jamg’arish rejasini o’rnating.

If you make these two small changes --

Ikki kichik o’zgarishlarni bajarsangiz:

focus on just one savings goal at a time

bir vaqtda faqat bitta jamg’arish maqsadi

and automate your savings --

va jamg’arishni avtomatlashtirish,

you should find success,

muvaffaqiyatga yo’ldir,

even if you don't think you're saving that much money.

shuncha pul jamg’arayotganingizni o’ylamasangiz ham.

And it's easier than it may seem.

Ko’rinishidan ko’ra bu osonroq.

So there you have it.

Mana marhamat.

We have demystified the old adage of paying yourself first.

O’zi uchun avval to’lash haqidagi eski maqolni aniqlashtirdik.