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GLOBAL
FINANCE SERIES
GLOBAL
FINANCE SERIES
Powered by Financial Literacy HQ &
Español Sin Fronteras
Powered by Financial Literacy HQ &
Español Sin Fronteras
Module 3: SAVINGModule 3: SAVING
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Saving = setting money aside for the future
Saving is also not spending everything you
earn.
Helps you prepare for both expected and
unexpected situations
What Is Saving?What Is Saving?
Money saved for unexpected situations.
Medical.
Repairs
Job Loss
This matters because it prevents going into
debt, gives you time to recover without
panic, and acts as a financial safety net.
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Emergency Fund
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How Much?
Start Small ⟶ even
$100 dollars matters
GOAL: 3-6 months
worth of expenses
Starting matters more
than the amount
Short-Term
Phone, clothes, travel, special events
Usually within one year
Long-Term
College, car, future
Takes years of consistent saving
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Short-Term vs Long-Term Savings
Save BEFORE you spend money.
Treat savings like a required expense.
Example: If you earn $50 ⟶ , save $5
first, then spend the rest later.
This helps build consistency and removes
the “I’ll save later” mindset(which usually
does not happen).
Pay Yourself First
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The key idea is: You do not need a lot of money
to start saving.
$5/week =
$260/year
Start Small
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$10/week =
$520/year
$1/day =
$365/year
Set up automatic transfers to a savings
account
This will remove the temptation to spend
effortless saving
builds discipline
ensures consistency
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Automate It
1.Start early
2.Stay consistent
3.Think long-term
Smart Saving Habits
EARLY
CONSISTENT
LONG-TERM
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(similar to investing)
Saving is NOT about
how much you make
It is about habits +
consistency
Start small, stay
consistent, and let
time do the work
Your future self
depends on what
you start now.
KEY TAKEAWAYS
USE THE
SAVINGS PLAN
FOR SMART
SAVING
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Thank You!
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