මූල්‍ය ආරක්ෂාව සඳහා ඉහළම උපදෙස් 9.

If it's about financial security, there's no better time to start than today. Here are nine key pointers in moving your finances forward, whether they are paying off your debts or securing your future financial security.

1. Work on a budget

Budgeting is a crucial part of building your financial security. Having a budget and adapting to it will help you control your spending and easily reach your savings goals.

2. Spend less than you earn

No matter how much you earn, if you spend more than you earn, you will not get anything at the end of the month. So always make it a habit to cut costs. Reduce costs whenever you can. Reducing the cost of small things can make a big difference.

3. Get Rid Of Credit Card Debt

Credit card debt is a major barrier to achieving your financial goals. It may be tempting to use cash on hand, but if you want to move towards better financial security, you should avoid using your credit card as much as possible and pay as soon as you use it.

4. Get a salary commensurate with your value

Understand the value of your skills in the market and make sure you get a fair return for your skills. Having a low salary in the long run can significantly affect your financial status. So, be sure to ask for a pay raise if you really believe you deserve it.

5. Subscribe to a retirement plan

Regardless of your age, you should consider retiring unless you receive a pension from the government. Setting aside some money for your retirement or joining a retirement savings program should be on your priority list to improve your financial security.

6. Keep a savings plan

If you wait until you have paid all your bills and needs for the month, you will never be able to save money. So keep a savings plan. Set aside at least 5% of your monthly income before paying your bills or spending on necessities.

7. Maximize your job returns

Make sure you know all the health and insurance benefits you get from your workplace and use them. Use them because your job benefits can save you a lot of money out of your pocket.

8. Invest

Investing can help you increase your cash flow. If you have money left over after saving for savings, put it into some investment. However, when you invest your money, make sure it is profitable so you do not lose your money.

9. Get insurance

Whether it's your car, business or your life, make sure you have insurance to pay for anything bad that happens to you.

Keep these things in mind when formulating your plan to improve your financial security.

Gost Finance - Best Lenders of Sri Lanka

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Lotus Loan

Lotus Loan to Rs.40 000

Loan Amount 10000 - 40000 Rs.
Loan period 10 days to 122 days
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Loan Amount 3000 - 50000 Rs.
Loan period 1 days to 180 days
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What is the loan term?

  • Minimum loan term: 122 days
  • Maximum loan term: 122 days for first loan
  • Maximum loan term: 182 days for repeat loan

The loan is calculated as follows

  • Loan amount: RS 30.000
  • Loan period: 122 days
  • Consulting fee: RS 3.600
  • Service fee: RS 13.920
  • Interest rate (12% / year) : RS 754
  • Total payment: RS 48.274

Am I eligible for a loan?

You are eligible to apply for a loan if you are:
  • A citizen of Sri Lanka
  • Residing in Sri Lanka
  • Between the ages of 20 to 65 years old
  • Currently employed or generating a steady income