I saved money, now what? How to make the money surrender?

You organized, planned, worked hard, and finally managed to save some money on the side! But, what’s next? What steps do you plan to take in order to effectively use the money you have?

Leaving the money under the mattress isn’t quite the responsible solution, as it may lose its purchasing power under inflation. Not to mention the obvious risks of keeping money like that.

Saving money is important but turning your savings into additional profit is even better. If this sounds like an unfamiliar concept, don’t worry, because you’re not alone. Stick around for a while longer, and in this article, you’ll learn some great ways to make your money work for you.

You saved up, so what’s your next step?

By dedicating a small amount of time to manage your personal finances, you are actively considering your future well-being.

We often dream of change, whether it’s big or small, and it’s a perfectly reasonable thing to do. 

Some of us would like to renovate our homes, whereas others would love to invest their savings but can never find the right time to do it. Or more typically, we don’t know where and how to do it… 

The importance of saving lies in the fact that it helps you realize your goals much faster, sparing you the hassle that comes with a major investment. However, even if you haven’t found your “dream” yet, saving money will provide you with security and financial stability. Investment can wait.

That’s why you should continue saving money whenever you can, and when you’ve got enough money to make use of it, make it work for you. Money that hasn’t been put to use is money that you can’t actually say is benefitting you.

Furthermore, due to inflation, the purchasing power of the money decreases over time, and if it remains unused, it will continue to lose value. While it can be used for short-term goals, it alone will not help you achieve long-term goals.

How Do you Make your money grow?

If you want to make the money you’ve saved pay off, you’ll have to employ some habits. 

These are often just some minor changes to how you perceive and treat money in your day-to-day life.


Learn more about the financial market and investments. You don’t need a lot of knowledge to start off, but with consistency, you’ll get there in no time.

Informed decisions in the market can make or break your investments. Develop the knowledge and skills needed to manage your money better and achieve your financial goals.


Setting goals, controlling expenses, and organizing your budget is essential even if you’re not planning on increasing your income.

This is why you should keep writing down all your financial moves, to see how much you’ve already saved and what to expect in the coming months. As long as you keep going, it’ll only get easier, and with enough experience, financial planning becomes a breeze


The emergency reserve fund is something you can always rely on when you need it most. Things can happen that we don’t expect and it’s good to be prepared. An emergency fund is crucial if you’re striving to be financially secure.

Invest the money you saved

It may sound like a broken record playing, but it’s impossible to overstate how important it is to not let your money sit still.

By saving and investing, you get closer to fulfilling your dreams achieving financial security and stability. A lot of people are afraid to invest, mainly due to it being far too complex at first. Others simply wait until they reach the point when they say “now it’s too late”.

In the end, you lose. Every second you spend waiting on an investment is a small amount of money you’ve wasted. This is why you should start as early as possible!

Find Out About Some Investments That Will Help You Make Your Money Go Further

There are investments of various types. Some are fixed-income investments, others are variable income. The former tends to offer more security, whereas the latter tend to be riskier (although they do offer a chance at greater profitability).

However, everything will depend on your objective, investor profile, and which of the two options best fits your planning.


The best-known ones to look into are Treasury Direct and CDB. In all of them, the yield rate is already pre-defined regardless of whether it’s pre-fixed or post-fixed.


When talking about variable income, everyone usually thinks about stock exchange shares. Real estate funds, ETFs, and commodities are often overlooked.


Of course, you can also make your money pay off by investing in an investment that embraces both fixed income and variable income.

One of the ways to utilize this is through a private pension, which offers investments in both fixed-income and variable-income assets.

If you opt for this, you can work with many different investor profiles. By investing in a private pension, you can choose different funds and diversify your portfolio.

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