29/06/2026
●30-MAALMOOD DISCIPLINE SAVINGS PLAN
UJEEDO :
Inaad barato kaydin joogto ah
Inaad ka adkaato “lacag baxsi aan qorshe lahayn”
Inaad dhisto habit adag oo savings ah
●SHARCIYADA AASAASIGA AH
1. ❌ Wax lacag ah ha taaban adigoon sabab lahayn
2. ✔ $2 maalintii ama wixii faa’iido ah 100% keydi
3. ❌ Ha samayn (iibsasho degdeg ah)
4. ✔ Qor dhammaan lacagta soo gasha & baxda
5. ✔ Toddobaad kasta dib u eeg xisaabta
●INAAD BARATO KAYDINTA
Maalin kasta:
Qor: Income + Expense
Kaydi lacagta isla maalintaas
Ha isticmaalin lacagta savings-ka
(Lacagta aan la taaban waa lacag jirta)
●XAKAMAYNTA KHARASHKA
Bilow inaad kala saarto:
Essentials (wax muhiim ah)
Non-essentials (wax aan muhiim ahayn)
Haddii aad rabto wax iibsasho:
Sug 24 saac ka hor
(Sugid = badbaadin lacag)
●HADAF KOR U QAAD KAYDINTA
Bilow tracking fudud:
Lacagta aad save Garaysay
Faa'iidada joogta ah
Haddii aad heli karto:
+$0.5/day oo aad ku dari karto maalintii
(Lacagta yar maanta = lacag weyn berri)
■SIRTA GUUSHA
Si aad “Discipline Master” u noqoto:
✔ Qor lacagta maalin kasta
✔ Ha taaban savings
✔ Ka fikir 30 maalmood halkii aad ka fikiri lahayd hal maalin
✔ Ha raacin “emotion spending”
●NATIIJADA 30 MAALMOOD
Haddii aad $2/day kaydiso:
$2 × 30 = $60 saved
Haddii discipline fiican jiro:
Waxaad ka fogaanaysaa khasaaro aan loo baahnayn
Haddii aad qorshahan raacdo Waxaad noqonaysaa qof Kaydka fahma Kharashka xakameeya
Lacagta si miyir leh u maamula.
●HADAF BUUXA
Wax lacag ah ha lumin adigoon qorshe lahayn
Dib u eeg 30 maalmood:
Immisa kaydisay?
Immisa lumisay?
Samee goal cusub
(Qofka lacagta xukuma = qofka nolosha xukuma
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