The most effective strategy for personal saving from the options provided is:
Save a certain percentage of each paycheck and deposit it directly into a savings account.
This approach prioritizes saving by treating it like a regular expense, ensuring that you consistently set aside money for savings before spending on other items. It helps establish a saving habit and builds financial security over time. The other options are less effective because they rely on leftover funds or taking on debt, which can lead to inconsistent saving patterns or increased financial stress.