Take care of your money and learn to save. - page 11.

AnonBitCoiner

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Quote from: adiksau0414 on May 25, 2024, 01:56:04 AM

Most of the people are willing to learn how to save and manage money effectively and efficiently. but sadly some cannot do it due to different situation or how much they in earn (mostly the money they earned just went to food and basic needs allocation.). Hopefully, someday all of us could have financial freedom and more on investing for us to enjoy early retirement.

Exactly some people know about managing their expenses but due to expenses of a family he cannot manage his money efficiently. Such people should use their mental power and physical power to earn more because nowadays there are various online opportunities that give us financial freedom and we can easily manage our money according to our expenses.

There are some people who don't have enough earning but they put a limit on their expenses and avoid spending on unnecessary things so they can save little amount at the end of the month and this little saving matters a lot for them and such people are really hardworking and talented.

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Quote from: Mate2237 on May 23, 2024, 11:38:27 AM

Yes I understand you. There was a book I read when in primary school"Without a Silver Spoon", that means nobody was born in Wealthy Parents" but their parents hustled in life to make them become the person they want to be today. Then there is another song I use to listen even now. "Celebrate " according to the song writer, he was born with a Silver Spoon but he lost the Spoon, so he has to start from the beginning. And there is a boy I know in my residency, he won $8,000 with the current exchange rate and nobody knows that he has such amount, meaning not everyone that has money showcase themselves as you said. Good thinking is one of the best wealth in life.

In this present day many people don't need to be born with a Silver Spoon but their knowledge, and good thinking can make them rich.

For me, there are some people who were born into rich people who have everything and they just have to continue and develop their parents' business. The closest example is that my parents owned a grocery store and we lived and grew up with the results of that business and our parents were even able to send us to the final level we wanted. Now the business is run by my brother, his life is much better and more than sufficient because he has the opportunity for the business that our parents built.

What I want to say is that there are some people who are born with luck where they have everything but hard work also determines the results. Others have to struggle from small things to grow bigger because everyone has a different path in life. The point is that hard work is important, but it is much easier when you have support in carrying it out so the chances of success are much greater.

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Quote from: adiksau0414 on May 25, 2024, 01:56:04 AM

Most of the people are willing to learn how to save and manage money effectively and efficiently. but sadly some cannot do it due to different situation or how much they in earn (mostly the money they earned just went to food and basic needs allocation.). Hopefully, someday all of us could have financial freedom and more on investing for us to enjoy early retirement.

Indeed, everyone's finances are of course different, there are those who already have an income but only enough to meet their daily needs and don't have a large income so they can set aside some of their money for savings, but even so, I think of course those who have a mediocre income still try to be able to have more than enough income, because of course they also want wealth or a comfortable life and having lots of money is one of everyone's desires. Those who want to live comfortably must of course be willing to work so they can have more than enough income to meet their daily needs and save.

with those who already have more than enough income, of course they should save some of the money they have earned, because having savings can help us in the future whether it is to deal with unexpected things or other things. However, there are people who already have more than enough income but they cannot manage their finances well because they make unnecessary expenses.

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Quote from: adiksau0414 on May 25, 2024, 01:56:04 AM

Most of the people are willing to learn how to save and manage money effectively and efficiently. but sadly some cannot do it due to different situation or how much they in earn (mostly the money they earned just went to food and basic needs allocation.). Hopefully, someday all of us could have financial freedom and more on investing for us to enjoy early retirement.

The only way to gain financial freedom at a young age is to improve our own skills in earning an income and also to see more opportunities from many directions in order to increase our income regularly in several jobs. Because if we continue to work in one job with an income that is only enough to meet our basic needs, of course it will be very difficult for us to hope for financial freedom at an early age. Because this is only owned by people who have a lot of income through various businesses that they run without feeling tired at a young age.

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Quote from: seanskie18 on May 25, 2024, 04:59:19 AM

We all need money to provide for our families' basic needs. Know your income and spend less than you earn. Just because you have the money doesn't mean you should buy things that aren't absolutely necessary. Try to avoid debt and save for the future. It is critical that you plan how you will spend and save your money. Understand the difference between needs and wants. Make savings a priority. Bugdet is a sensible technique to monitor or cut your spending and plan for your future needs. It reminds us that "the plans implemented by the diligent one surely make for advantage."

What you mentioned is correct, and almost most people today have such reasons because what they do is for the family. Which is really understandable;
all that is needed is for us to raise more so that we can put aside some savings for the future.

Who doesn't want to be able to save savings for the future? Everyone wants that. The problem is that determination and implementation differ because others
don't want to take action.

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We all need money to provide for our families' basic needs. Know your income and spend less than you earn. Just because you have the money doesn't mean you should buy things that aren't absolutely necessary. Try to avoid debt and save for the future. It is critical that you plan how you will spend and save your money. Understand the difference between needs and wants. Make savings a priority. Bugdet is a sensible technique to monitor or cut your spending and plan for your future needs. It reminds us that "the plans implemented by the diligent one surely make for advantage."

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The current situation in the world, regardless of the country, is pushing people to think about tomorrow more seriously than before. One way or another, the state used to provide concrete stability, Now everyone must rely only on themselves. At the same time, it is very important to take care of your old age yourself, and not place these difficulties on your children.
Therefore, not only savings, but also opportunities for additional income, which can improve your financial condition not only today, but also tomorrow,should be the main goal.
But we must not forget that we only live once and we are surrounded by loved ones and family.

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Quote from: KennyR on May 24, 2024, 06:36:41 PM

Quote from: batang_bitcoin on May 24, 2024, 05:46:59 PM

That is the real situation now, almost everywhere in the world regardless of the kind of living and status of life in each country. You will see the huge gap of the rich and the poor with the middle class. But I think that middle class will be able to survive and adapt more with the situation because of them came from being poor and don't want to get back on that tough situation of their lives. I wouldn't classify myself as rich and I think I belong in the middle of middle-poor class.

As said, middle-class people easily adapt to every living condition. The ongoing economic situation around the world has made people keep their needs limited and move towards saving more. We don't know what could happen tomorrow. Already, more countries are struggling because they aren't able to support their people by providing proper food. As mentioned, the gap between the rich and the poor keeps widening, which itself is an indication that the system isn't functioning in the right way.

Well, the system for some has been functioning well but it's true that for most it isn't. Housing is expensive, every consumable goods have been rising as well.
So, if you're not the type of guy who can't cope in a living survival mode, you'll barely make it. But with all of these struggles, it pushes each of us to adapt and be the best version of ourselves even if our pockets aren't deep compared before when life was simple and easy.

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Most of the people are willing to learn how to save and manage money effectively and efficiently. but sadly some cannot do it due to different situation or how much they in earn (mostly the money they earned just went to food and basic needs allocation.). Hopefully, someday all of us could have financial freedom and more on investing for us to enjoy early retirement.

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Quote from: Volimack on May 24, 2024, 09:55:46 PM

Quote from: Awak Bambi on May 22, 2024, 02:50:16 AM

Quote from: batang_bitcoin on May 21, 2024, 06:54:20 PM

It's sad that from the poor to middle class are dealing with the same thing but obviously, the poor is the one that's struggling more. While before and several years ago, the middle class can live a lavish life without having any problem at all. And now, this seem to be the new poor description by being in the middle income earners. But there are a lot of middle class that are wise with what they earn and learned how to save and to invest properly so that they won't downgrade their lifestyles in the future.

Currently it is quite difficult to save and invest, and this does not mean that we have to be wise in thinking about finances for the future, but the current economy of society is very difficult, especially for those at the bottom who work as farmers or fishermen, let alone saving for their needs. everyday life, even now it is difficult, because market prices are uncertain, how do they think about retirement benefits in the future? They don't know what day it will happen.

This is what our society is currently experiencing, the current economy makes it impossible for some of us to think about a more beautiful future, because our income is uncertain.

If the income is uncertain the money that I get is spent there is not much money in hand to save. We often hear such things. Whatever income you have now you can save from it if you decide to everyone wants a beautiful future. Before starting any work if the goal is fixed then it is much easier to achieve it. Also set some goals before you start saving.

among the lower middle class, let alone saving to be able to live until next month's exams, they are already grateful, especially since their salaries have not increased but the prices of necessities continue to rise, so they can only tighten their belts even more. On the one hand, an undeveloped mindset makes financial management increasingly less well organized, and in the end they just surrender to their fate. especially for those who are married and have children who need money

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Quote from: Awak Bambi on May 22, 2024, 02:50:16 AM

Quote from: batang_bitcoin on May 21, 2024, 06:54:20 PM

It's sad that from the poor to middle class are dealing with the same thing but obviously, the poor is the one that's struggling more. While before and several years ago, the middle class can live a lavish life without having any problem at all. And now, this seem to be the new poor description by being in the middle income earners. But there are a lot of middle class that are wise with what they earn and learned how to save and to invest properly so that they won't downgrade their lifestyles in the future.

Currently it is quite difficult to save and invest, and this does not mean that we have to be wise in thinking about finances for the future, but the current economy of society is very difficult, especially for those at the bottom who work as farmers or fishermen, let alone saving for their needs. everyday life, even now it is difficult, because market prices are uncertain, how do they think about retirement benefits in the future? They don't know what day it will happen.

This is what our society is currently experiencing, the current economy makes it impossible for some of us to think about a more beautiful future, because our income is uncertain.

If the income is uncertain the money that I get is spent there is not much money in hand to save. We often hear such things. Whatever income you have now you can save from it if you decide to everyone wants a beautiful future. Before starting any work if the goal is fixed then it is much easier to achieve it. Also set some goals before you start saving.

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Quote from: boty on May 24, 2024, 09:21:21 PM

Those who belong to the middle class will of course be able to easily adapt to every situation they experience, because when the income they earn is difficult to meet their needs, they must be able to restrain themselves by not forcing themselves and must be able to endure what is available.

People who grew up to be rich would definitely have a harder time adjusting if things were to look down in terms of their financial situation. They have never experienced having to save or looking for a cheaper alternative sometimes even forcing ourselves to not buy something we want simply because the money can be used elsewhere preferably somewhere much valuable.

Quote

Saving is of course very important, whatever income they have, they must be able to save a little after meeting their needs so that they can save and it will be very difficult to survive in these uncertain economic conditions, so having savings will of course be able to help a little in dealing with conditions. The economy as it is today and the gap between rich and poor will certainly continue to be a problem in society and will be difficult to control if the economy does not improve.

Saving is for emergencies or for lifelong plans. If things were to happen suddenly, you have your saved funds. But when saving you should also have a clear plan for what to do with them. Do you want to build a business with it? Invest it in crypto? In stocks?or maybe you just want to buy a house.

Money is devalued more and more each year so no point in keeping all that money for nothing.

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Quote from: KennyR on May 24, 2024, 06:36:41 PM

As said, middle-class people easily adapt to every living condition. The ongoing economic situation around the world has made people keep their needs limited and move towards saving more. We don't know what could happen tomorrow. Already, more countries are struggling because they aren't able to support their people by providing proper food. As mentioned, the gap between the rich and the poor keeps widening, which itself is an indication that the system isn't functioning in the right way.

Those who belong to the middle class will of course be able to easily adapt to every situation they experience, because when the income they earn is difficult to meet their needs, they must be able to restrain themselves by not forcing themselves and must be able to endure what is available.

Saving is of course very important, whatever income they have, they must be able to save a little after meeting their needs so that they can save and it will be very difficult to survive in these uncertain economic conditions, so having savings will of course be able to help a little in dealing with conditions. The economy as it is today and the gap between rich and poor will certainly continue to be a problem in society and will be difficult to control if the economy does not improve.

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Quote from: batang_bitcoin on May 24, 2024, 05:46:59 PM

Quote from: MissNonFall9 on May 24, 2024, 12:52:31 PM

Quote from: batang_bitcoin on May 21, 2024, 06:54:20 PM

Quote from: MissNonFall9 on May 21, 2024, 07:04:16 AM

Sorry for not being able to explain clearly. What I mean is that people in middle-class households cannot invest in anything they want because their limited income makes it difficult to manage the household. Those who have only one income field have less income, so they have to save first if they want to invest. I am not saying they will save to earn good profit. They will save to raise investment capital.

It's sad that from the poor to middle class are dealing with the same thing but obviously, the poor is the one that's struggling more. While before and several years ago, the middle class can live a lavish life without having any problem at all. And now, this seem to be the new poor description by being in the middle income earners. But there are a lot of middle class that are wise with what they earn and learned how to save and to invest properly so that they won't downgrade their lifestyles in the future.

Apparently, poverty-stricken people may appear to be struggling more when seeing their suffering. (sorry - I am not belittling them because I don't have the ability to belittle them) The middle class once lived a good life without any kind of calamity but in today's context it has become really difficult to live in an economic crisis with these rising market prices. I am saying that the suffering of the middle class is greater because they are far removed from their position and cannot tell anyone about this misery. In any case intelligence must be introduced through creative planning and action to manage life smoothly from now on.

That is the real situation now, almost everywhere in the world regardless of the kind of living and status of life in each country. You will see the huge gap of the rich and the poor with the middle class. But I think that middle class will be able to survive and adapt more with the situation because of them came from being poor and don't want to get back on that tough situation of their lives. I wouldn't classify myself as rich and I think I belong in the middle of middle-poor class.

As said, middle-class people easily adapt to every living condition. The ongoing economic situation around the world has made people keep their needs limited and move towards saving more. We don't know what could happen tomorrow. Already, more countries are struggling because they aren't able to support their people by providing proper food. As mentioned, the gap between the rich and the poor keeps widening, which itself is an indication that the system isn't functioning in the right way.

batang_bitcoin

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Quote from: MissNonFall9 on May 24, 2024, 12:52:31 PM

Quote from: batang_bitcoin on May 21, 2024, 06:54:20 PM

Quote from: MissNonFall9 on May 21, 2024, 07:04:16 AM

Sorry for not being able to explain clearly. What I mean is that people in middle-class households cannot invest in anything they want because their limited income makes it difficult to manage the household. Those who have only one income field have less income, so they have to save first if they want to invest. I am not saying they will save to earn good profit. They will save to raise investment capital.

It's sad that from the poor to middle class are dealing with the same thing but obviously, the poor is the one that's struggling more. While before and several years ago, the middle class can live a lavish life without having any problem at all. And now, this seem to be the new poor description by being in the middle income earners. But there are a lot of middle class that are wise with what they earn and learned how to save and to invest properly so that they won't downgrade their lifestyles in the future.

Apparently, poverty-stricken people may appear to be struggling more when seeing their suffering. (sorry - I am not belittling them because I don't have the ability to belittle them) The middle class once lived a good life without any kind of calamity but in today's context it has become really difficult to live in an economic crisis with these rising market prices. I am saying that the suffering of the middle class is greater because they are far removed from their position and cannot tell anyone about this misery. In any case intelligence must be introduced through creative planning and action to manage life smoothly from now on.

That is the real situation now, almost everywhere in the world regardless of the kind of living and status of life in each country. You will see the huge gap of the rich and the poor with the middle class. But I think that middle class will be able to survive and adapt more with the situation because of them came from being poor and don't want to get back on that tough situation of their lives. I wouldn't classify myself as rich and I think I belong in the middle of middle-poor class.

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Quote from: batang_bitcoin on May 21, 2024, 06:54:20 PM

Quote from: MissNonFall9 on May 21, 2024, 07:04:16 AM

Sorry for not being able to explain clearly. What I mean is that people in middle-class households cannot invest in anything they want because their limited income makes it difficult to manage the household. Those who have only one income field have less income, so they have to save first if they want to invest. I am not saying they will save to earn good profit. They will save to raise investment capital.

It's sad that from the poor to middle class are dealing with the same thing but obviously, the poor is the one that's struggling more. While before and several years ago, the middle class can live a lavish life without having any problem at all. And now, this seem to be the new poor description by being in the middle income earners. But there are a lot of middle class that are wise with what they earn and learned how to save and to invest properly so that they won't downgrade their lifestyles in the future.

Apparently, poverty-stricken people may appear to be struggling more when seeing their suffering. (sorry - I am not belittling them because I don't have the ability to belittle them) The middle class once lived a good life without any kind of calamity but in today's context it has become really difficult to live in an economic crisis with these rising market prices. I am saying that the suffering of the middle class is greater because they are far removed from their position and cannot tell anyone about this misery. In any case intelligence must be introduced through creative planning and action to manage life smoothly from now on.

nngella

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Per study, there is a specific age range where your physical self and career peak (including your salary). And because of that, you can save some portions of it and invest to grow and/or use it for later. We need to learn to save now so that we have to spend in the future. In my culture, it is saddening to see children providing for their parents because their parents did not save during their peak career years. Let us break that cycle.

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Quote from: lizarder on May 23, 2024, 08:18:19 AM

Not everyone lives with adequacy in terms of money but they continue to improve their mindset to find opportunities to get much more stable money. Mindset will affect people in pursuing financial stability and although sometimes it is difficult to achieve the best in the absence of capital. As long as we want to try there is definitely a way because the most important thing is we have the intention to improve the standard of living for the better.

Not everyone is born with wealth but there are many opportunities for people to reach the stage of wealth. Opportunities to get it can be done by using several ways, such as working in other people's places to collect capital, then just struggle to develop their potential after capital is collected.

that's true, of course everyone has a different financial income, even though there are people who already work and already have an income, that doesn't mean they always have money, of course their income is just barely enough, which is only enough to survive on a daily basis by making ends meet. just daily needs. Therefore, they cannot save the money they have because the income they earn is only enough for their daily needs.

but what you say is true, of course they will definitely try to improve their mindset where they will definitely do other business to be able to have more income because they also definitely have the desire to have something they want which of course requires a certain amount of money to be able to buy it. and everyone certainly has a different fate.

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Quote from: decodx on May 04, 2024, 03:33:45 PM

Money's fine, I guess, but real friends who have your back are way more important. Close friends stick with you through good times and bad. Not just when you're pickin' up the tab at the bar! So be wise how you spend, not throwing money around just cause you got it now. Buy things you really like but save some for later, and you'll find yourself with true genuine people who care about the real you. And not with fake friends, who only care about your money.

That's true, being bankrupt can really bring a lot of insult in one's life and it will make you to look less of you, that is why it's always advisable to have the knowledge of management on how we spend our money, in order not to be embarrassed in the future because if we spend carelessly and be bankrupt later in life, we will be the one to suffer it most, even if our friends helps us, they will eventually be tired or decided not to help you once and this can lead to depression or frustration which can lead one to do things that are not lawful and acceptable in eyes of God and even to the people at large, so we should not live a life to impress anyone or spend carelessly.

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Quote from: malah on May 23, 2024, 11:26:53 AM

Quote from: batang_bitcoin on May 22, 2024, 12:33:40 PM

The value that the middle class has been receiving and have is shrinking due to inflation. While the rich getting richer due to the opportunities that they are having. The economy that we're experiencing isn't really suitable anymore to live a wealthy and easy life when you're in the middle class. We don't even have to think about the future but we're here to have bare enough and to survive. A sad reality but everyone of us are keep on trying.

This year it seems that not many rich people are able to maintain their wealth. Because intelligent rich people will definitely consider that there will be very difficult economic conditions and there will be inflation which might worsen financial conditions in their country. Therefore, rich people who have prepared everything will definitely not be affected by inflation. In fact, wealth will grow even more when inflation occurs.

They know how's the global economy works. I'm not sure if they have seen this coming but they're moving their money to real assets like bunkers and other assets that can retain their wealth. But even with that, they're not going to the point of losing their wealth. They know this money game and they can maintain their statuses even if the global market collapses. And that's how they are becoming richer, not just all about making money but to see what's coming ahead of time compared to the most of us.

Topic: Take care of your money and learn to save. - page 11. (Read 2909 times)