{"id":56407,"date":"2019-05-06T09:30:35","date_gmt":"2019-05-06T09:30:35","guid":{"rendered":"https:\/\/www.zameen.com\/blog\/?p=56407"},"modified":"2019-05-06T04:45:46","modified_gmt":"2019-05-06T04:45:46","slug":"save-money-for-house-in-pakistan","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/blog\/save-money-for-house-in-pakistan.html","title":{"rendered":"7 Ways to Save Money for Buying a House in Pakistan"},"content":{"rendered":"\n

If you don\u2019t have your own house yet, then you know how it feels, and understand the struggle. Having your own house in Pakistan is now almost a dream given the skyrocketing prices of real estate and the limited opportunities to generate income. However, all is not lost! With some dedication and smart, short-term sacrifices on your part, you can save money while living in Pakistan<\/a> for your beautiful abode. So, here are seven simple but effective ways to save money for a house in Pakistan. <\/p>\n\n\n\n

Divide Your Monthly Income into Three Sections<\/h2>\n\n\n\n
\"rule
The habit of budgeting protects the future.<\/figcaption><\/figure>\n\n\n\n

Salaried individuals are the happiest on payday, while business people get more pleased with every new customer or a new sale. In any case, since you are already interested in saving money for a house, you should follow the 50\/30\/20 rule of budgeting. Let\u2019s say your monthly income is PKR 100,000. Spend 50% on your actual needs, 30% on the things you want and the remaining 20% goes into your savings. Promise yourself that this 20% will only be spent on your house. Sticking religiously to all the three sections is mandatory if you want to make your dream come true.<\/p>\n\n\n\n

Say Yes To Cash and No to Credit Cards<\/h2>\n\n\n\n
\"Say
Credit cards make you fall in debts.<\/figcaption><\/figure>\n\n\n\n

A wallet full of credit cards might look shiny, but in\nreality, it is a one-way ticket to debts. Due to the independent nature of\ncredit cards, you often go beyond your limited purchasing power and even end up\ngetting things which are of no use to you. Getting something on credit might\nlook like a relief, but remember that the joy is going to be short-lived.\nSooner or later you will fall back on your liabilities, and this is where\nthings will go horribly wrong for you and you will not be able to save money\nfor a house in Pakistan.<\/p>\n\n\n\n

Using a credit card for a middle-income salaried person is akin to playing with fire \u2013 strictly not recommended! Trying using cash for your purchases and remain in control of your spending. This is one of the excellent ways to save money for a house in Pakistan.<\/p>\n\n\n\n

Be Smart on Spending <\/h2>\n\n\n\n
\"spending
Always think twice before you spend.<\/figcaption><\/figure>\n\n\n\n

When it comes to savings, you are required to investigate your spending patterns for buying a home in Pakistan. One of the ideal ways to save money for a house in Pakistan is to cut unnecessary shopping, especially from the digital world and you can do that by knowing the 7 hacks to save money while shopping<\/a>. It has also been observed that online shopping is where most people tend to go overboard. <\/p>\n\n\n\n

When it comes to saving money for a home in Pakistan, even\nthe little things matter, it is always recommended to visit the main market or\nSabzi Mandi to shop for fruits and vegetables. However, if visiting Sabzi Mandi\nwill incur more expenses, then make sure to purchase your greens in the evening\nor at night because the sellers usually sell them at lower prices during these\nhours. <\/p>\n\n\n\n

Even though entertainment is necessary to keep you\nproductive, it is counter-entertaining to go all out. If you have children,\nthen take them to parks instead of expensive gaming zones and malls. And if you\nare a movie lover, then avoid watching movies in cinemas and start viewing them\nat home.<\/p>\n\n\n\n

Likewise, wasting money on cigarettes and other similar products will not only harm your life, but it will also hurt your chances of buying a home. <\/p>\n\n\n\n

Stop Punching Above Your Weight<\/h2>\n\n\n\n
\"travelling
Nothing is wrong in taking public transport for travelling.<\/figcaption><\/figure>\n\n\n\n

Embarrassed at the thought of travelling in public\ntransport? Can\u2019t be seen in a rickshaw or walking to somewhere? Why not buy or\nlease a small car? Counter-productive thoughts like these are keeping you away\nfrom owning your own home. Never sacrifice your needs over appearing cool. If\nhaving a car is a must, then stick to a simple one and avoid the costly,\nluxurious choice. You will have to take wise steps to save money for a house in\nPakistan, and travelling by public transport might be one of them. <\/p>\n\n\n\n

The same goes for renting a home. Since you are saving\nmoney, don\u2019t pick a posh area to live in. You know rents are higher there\ncompared to other areas. Keep thinking about the goal: your own home. <\/p>\n\n\n\n

Take Care of Your Utility Expenses<\/h2>\n\n\n\n
\"how
Controlling your utility expenses saves a lot in the end<\/figcaption><\/figure>\n\n\n\n

You simply cannot be careless when it comes to utility\nservices. It is better to use energy savers than high voltage lights, don\u2019t\nleave the electronic appliances turned on without any reason. Furthermore,\nalways try to pay your bills on time or risk paying a fine, which is going to\nwreck your entire budget.<\/p>\n\n\n\n

Hard Work Pays Fortune<\/h2>\n\n\n\n
\"hard
Hard work is the key to success.<\/figcaption><\/figure>\n\n\n\n

Working hard is mandatory for achieving any goal, be it big\nor small. It is also essential for you to manage time. Try to find multiple\nways of earning as they will help you in maximizing your savings. So, apart\nfrom your regular job or business, try to find ways to sell your skills. Also,\ntry your luck at freelancing as many Pakistanis are generating an excellent\nrevenue via freelancing. <\/p>\n\n\n\n

Save and Invest Rule<\/h2>\n\n\n\n
\"investments
Investments always grow<\/figcaption><\/figure>\n\n\n\n

Even though saving is a good habit and a great way to\nachieve your goals, experts will always advise you to invest your savings and\nnot let it rot in your bank account. We all know what happens will a sudden\ncurrency devaluation hits, reducing our savings with it. Be smart when it comes\nto investing and don\u2019t fall for scams promising unrealistic returns. <\/p>\n\n\n\n

When it comes to investing your savings, gold, and prize bonds are always a good option. Another safe option is to invest in a savings account in either a private bank or various government schemes. The profit rate offered by private banking sectors may vary from bank to bank. However, the national savings scheme, also known as Qoumi Bachat by the government of Pakistan offer 8.50% annual profit on your savings.

These are some great ways to save money for a house in Pakistan. So, make sure to start from today. Don’t quit on saving money because you never know when your savings get matched with the listings for a house for sale. So wait for that lucky day.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you don\u2019t have your own house yet, then you know how it feels, and understand the struggle. Having your own house in Pakistan is now almost a dream given the skyrocketing prices of real estate and the limited opportunities to generate income. However, all is not lost! With some dedication and smart, short-term sacrifices on your part, you can save money while living in Pakistan for your beautiful abode. So, here are seven simple but effective ways to save money for a house in Pakistan. Divide Your Monthly Income into Three Sections Salaried individuals are the happiest on payday, while business people get more pleased with every new customer or a new sale. In any case, since you are already interested in saving money for a house, you should follow the 50\/30\/20 rule of budgeting. Let\u2019s say your monthly income is PKR 100,000. Spend 50% on your actual needs, 30% on the things you want and the remaining 20% goes into your savings. Promise yourself that this 20% will only be spent on your house. Sticking religiously to all the three sections is mandatory if you want to make your dream come true. Say Yes To Cash and No…<\/p>\n","protected":false},"author":88,"featured_media":56458,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11051],"tags":[18926,18925,18928,14768,18927],"persona":[],"class_list":["post-56407","post","type-post","status-publish","format-standard","has-post-thumbnail","category-property","tag-beautiful-houses-in-pakistan","tag-house-in-pakistan","tag-how-to-save-money-for-buying-a-house","tag-money-saving-tips","tag-saving-money-for-a-house-in-pakistan","cat-11051-id"],"acf":[],"yoast_head":"\nWays to Save Money for a House in Pakistan | Zameen Blogs<\/title>\n<meta name=\"description\" content=\"Owning a house, while is an undeniable necessity, it\u2019s only a dream for some. 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