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Topic: Take care of your money and learn to save. - page 12. (Read 2909 times)

hero member
Activity: 2282
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I don't really agree on this because in the end investment should be about profit, not loss because why do something in vain. Meanwhile, when we make an investment but actually make a loss, that is not an investment because the essence of investment is for profit but we ourselves are unable to make the right choice and force things too much so that the investment we make ends up making a loss in the end.

Therefore it is important for us to do things according to plan so that what we do, including investment, actually puts us in misery and we can only do this if we don't rush in deciding something and of course We also have to be prepared with planning and all the possibilities that will definitely happen.
Be smart in choosing especially for investment because the investment system is for profit and enjoyment in the future, not to make ourselves feel trapped by what we do.
Saving money is first step for investment in something. We should avoid over expenses and should spend our money on only useful things. If we will buy  luxury things and we will buy it on installment ,that is foolness. Man should make budget and he should research on good stocks where he should invest his money. But he should research on the business behind the stock, if he will his money blindly ,he will lose his money and then he will investment in stock is bad and he will advise every person not to buy the stock and keep the money in the bank that is bad idea with my personal experience.
I also don't really agree with this because however we must understand that even though the goal is the same, in the end saving and investment have differences in their sustainability so that even though they are literally the same, they are 2 different things where we know that Investment is saving the money we have for a certain period of time in order to get greater profits and saving is a form of saving that we can use anytime when we need it and does not mean that saving is the first step to investing because in the end the money from savings can be used for anything not only for investment considering that the money from savings can be used for any purpose. Saving is a form of savings that we can use anytime when we need it and it does not mean that saving is the first step to investing because in the end, money from savings can be used for anything not only for investment considering that savings are flexible and can be a reserve fund that we have.

Indeed, in this case management is necessary but in the end before talking further about looking for stocks or whatever it is we need to know the capacity and financial condition we have as a form of good management because in the end the investment aspect follows from how finances we have.
legendary
Activity: 1946
Merit: 1100
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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.
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.
Rich or wealthy people would be normally be that sitting on the top as always since they are the ones who do continously making money while to those who are sitting on the middle and low would surely be experiencing even more hardship as years passing by. This is why its not really that shocking that those conditions wont really be changing up not until you would really be making out such act for yourself and find for another opportunities.

Success isnt something that would come into you if you wont really be taking up any actions. If you do find yourself having that financial struggle or lets say you do have that good opportunity on earning money but doesnt have that good management out of it then it would really be useless or pointless. If you do like to have a progressive life and wanting to have that kind of success then you should really be that wise and making up those decisions which would really be getting in line on what you are projecting on or simply on what you are targeting into. We do know that when it comes to this then each person does have that different approach.

Savings is for emergency purposes but we do know that it isnt really just that only for emergencies but also for other usage as well such as investment and making up some business.
It would really be just that depending on how you would really be utilizing those amounts for the benefit you could really be able to get but of course you would be needing that proper planning.
Friends, wealth isn't luck. Finding chances and taking the risk is key. Watch the winners; they're not waiting for something. The next big thing is always on their mind. Just because you're struggling doesn't mean you should give up. This is a wake-up call to change tactics. Instead of just spending money, the wealthy thrive by finding methods to generate more.

How to get rich? You need a plan, like a solid workout. This isn't gambling or hoping. Much like an architect requires a blueprint, you need a financial strategy. Financial diversification is crucial. Not only emergency savings. You invest in stuff that could exponentially grow your money. Creating several income streams so you're not reliant on one wage. Rich individuals don't work for money; they manage it. Don't only earn; do what you earn. Better investments and spending habits are needed.
hero member
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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.
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.
hero member
Activity: 1050
Merit: 844
I think everyone wants to have money in their old age, but sometimes when they are young, there are still many people who are not aware of saving. Even when they were young, most people spent their money on unproductive activities such as partying and so on. Therefore, saving is important and you also need to train yourself to do it. because the benefits will be felt when you retire.

I would not consider it wrong to save, because in general it is still very useful for anyone. But in terms of saving, everyone also has to be smarter in choosing what is best for them to save at a young age, because if they only save money without thinking about inflation, it can destroy the value of money itself. I think people who do things like that have made a mistake in choosing their savings options, because now there are many other options for saving besides money and that is something that can really save our old age.

Examples are saving Bitcoin, gold, and also buying more land in strategic complexes because this can enable everyone to reap quite extraordinary results in their old age. Because as we have seen, Bitcoin can be relied on as a savings and investment option, as well as gold and land, which always experience an increase in price every year, although the price increase is not that significant if we compare it with Bitcoin. So don't just take the savings option on money alone, but be smart and wise in choosing assets to save for a bright old age.
full member
Activity: 504
Merit: 100
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.
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.
full member
Activity: 1119
Merit: 206
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Saving is something that is very necessary for future needs. I myself have been doing it for several years and until now. As much as possible, I not only save but also invest. I usually set aside 10% of my salary to invest in Bitcoin so that at retirement age I don't run out of money. The money will continue to flow even if I don't work because I already have savings and income from investments.
That's right, indeed for a good future of course saving is one of the things that must be considered, of course saving is something that must be done, even I think most parents will definitely educate their children to save. Preparing for the future depends on ourselves, if indeed we can do good things then the future can be good. Because I also think saving helps us when we are in an urgent situation, such as illness or disaster, of course when we are in that position there will be costs that may be a lot to be incurred and that can be handled with the money saved.

It is true that investment is good, especially if we can understand investment well in terms of knowledge. With you doing that setting aside 10% of the salary you get is good, because you can do both and of course that's good, I think you have more than enough income so you can do both. But is it done consistently?
I think everyone wants to have money in their old age, but sometimes when they are young, there are still many people who are not aware of saving. Even when they were young, most people spent their money on unproductive activities such as partying and so on. Therefore, saving is important and you also need to train yourself to do it. because the benefits will be felt when you retire.
hero member
Activity: 1722
Merit: 895
You don't have to say we enough money and use the first person pronoun and not the second person pronoun "we" because not everyone here have enough money and as other have said, everyone will not have money money as the same time and it is good for one to save but you don't to advise people to save because foe one to save he must have enough and solve his outstanding bills and it is the remaining balance after the payment of the bills that one can save.

If someone is paid good amount.of salary then he can save if not there is no way one can save.
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.
hero member
Activity: 2730
Merit: 632
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.
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.
Rich or wealthy people would be normally be that sitting on the top as always since they are the ones who do continously making money while to those who are sitting on the middle and low would surely be experiencing even more hardship as years passing by. This is why its not really that shocking that those conditions wont really be changing up not until you would really be making out such act for yourself and find for another opportunities.

Success isnt something that would come into you if you wont really be taking up any actions. If you do find yourself having that financial struggle or lets say you do have that good opportunity on earning money but doesnt have that good management out of it then it would really be useless or pointless. If you do like to have a progressive life and wanting to have that kind of success then you should really be that wise and making up those decisions which would really be getting in line on what you are projecting on or simply on what you are targeting into. We do know that when it comes to this then each person does have that different approach.

Savings is for emergency purposes but we do know that it isnt really just that only for emergencies but also for other usage as well such as investment and making up some business.
It would really be just that depending on how you would really be utilizing those amounts for the benefit you could really be able to get but of course you would be needing that proper planning.
full member
Activity: 448
Merit: 163
People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance. 
People's that have money there miss use their money instead of them to be used the money do better thing or established them into another till when the money has finish they will come later regrets, which they will nit even know how the money take finish. One thing in life by the time you money you have many peoples close to you but once they see that the money has gone they will definitely disappear from you Side, and that's is is good to know the type of people's that you can make friends with not the ones that only knows you the time that you have something on your hand and easily far away from you the time that you're empt handed.
Quote

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 
Actually the amount of the money we are earning now is divided into two part accept those that are not divide their own, and if we look at it divide amount of money we earned daily or monthly is the best ideal for this country our country we living. Expecially if we're taking one part to invest even thought the work that we're doing has stop we can the reason where to get money or how to survive with your family's with the small investment you do you can support yourself and families. But not all the people's are think of that till when the financial crisis has happened to fi them they will be later regrets about save or invest.
hero member
Activity: 3080
Merit: 603
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.
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.
legendary
Activity: 2408
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People save because any time he may face a danger in emergency time he can use his savings to solve his problem I agree with this. Many people also save for other purposes, such as living a better life in the future, saving money and investing somewhere. Because we are self-employed people, we cannot invest immediately even if we want to. to invest we have to manage funds that come from savings. so saving is very important in everyone's life. a person who can save money without misusing his money can be financially happy in his life......
Saving is very important and it plays a huge role in our lives because life is always full of surprises. But one thing I see is that many people underestimate saving, they always have the stubborn mindset that inflation causes money to lose value and they don't want to have any savings. Meanwhile, they never even know what their country's inflation rates are and how they change. Instead, they think about investing and investing all the money they have, they dream that investing will help them beat inflation, help them become rich. They forget that making money is never easy and is even more difficult when it comes to investing because the higher the return, the higher the risk.

Even billionaires and top businesses always have money saved for emergencies, but surprisingly, retail investors like us think saving is wasteful.
hero member
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You don't have to say we enough money and use the first person pronoun and not the second person pronoun "we" because not everyone here have enough money and as other have said, everyone will not have money money as the same time and it is good for one to save but you don't to advise people to save because foe one to save he must have enough and solve his outstanding bills and it is the remaining balance after the payment of the bills that one can save.

If someone is paid good amount.of salary then he can save if not there is no way one can save.
legendary
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Yes maybe saving can also be useful to be used as an emergency fund to overcome problems that occur unexpectedly but on the other hand I can't choose or can't say about which one is more important between saving and investing, because of course both are quite important and recommended to do if you feel financially capable of doing so. But on the other hand, I think I would agree with what you said that saving money can make us lose the value of money because of inflation that can occur at any time and I think it is because of this that people prefer to allocate their money to investment, and yes for the problem of what type of investment they will choose basically for this problem really depends on their respective beliefs or beliefs, which usually maybe more of them see in terms of significant profits and for myself so far I am still maintaining my investment in Bitcoin while waiting for the halving phase in the next four years.

But you need to distinguish that saving for emergencies is different from saving money over many years for the purpose of accumulating assets. Inflation and currency devaluation are extremely dangerous, but for short-term or emergency savings, devaluation is not too significant and not worth worrying about.

In addition, not every investment brings profit without risk, so you need to consider and allocate capital to invest appropriately. The mistake I see many people make is that because they are so eager to get rich, they don't have any savings and put all their money into investing. But they do not know that risk is always lurking behind and can attack them at any time, investing is not as easy and safe as they think.
There are people who can share their finances, but I think this is done by people who are very good at managing their finances, but saving for anything is of course a good action because not everyone can do that, of course there are people who already have an income. but they can't save their money, even for an emergency fund, they can't do it, because everyone's income is different and maybe with those who can't save for the long term, I don't think it's a problem, even with those who can't save for an emergency fund, maybe that's because they have sufficient and limited income.

If we really want to invest, of course we have to be able to consider everything first, such as risks or aspects that must be prepared before investing, such as having savings outside of investment or emergency funds, because of course the investment we make also has its own risks, such as losses that could occur if we don't. have a good understanding or knowledge in investing.
sr. member
Activity: 1587
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People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance. 

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.
Yes, when we have money, spend it as we wish. At least if we don't have money in the future we won't feel disappointed in ourselves for not buying what we want when we have lots of money.

Having lots of friends when you have a lot of money is normal, or not having friends when you don't have money is also normal, so there's no need to be surprised or overly prejudiced. What's unfortunate is that when people have a lot of money but no friends, everyone stays away from us, so we need to worry about our fate in the future even though we have a lot of money.

So don't think that when people approach us because we have a lot of money. If you go on a trip, and you invite your friend, while on the trip ask whether your friend brought money. I made sure that he brought his own money even though you invited him. This means that your friend doesn't fully expect you to pay.
hero member
Activity: 1722
Merit: 895
The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 
I prefer to allocate more money in investment and business than saving in the bank, even though savings are also important because we don't know when we will need money for urgent needs. We must be able to regulate this percentage optimally because without a concept in running our lives we will never be able to adapt to conditions that are much worse.

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.
Being stingy also has a measure and that must be differentiated because the most important thing is that we are not so stingy when it comes to matters of need. If we are stingy about spending money on unnecessary needs, that's good and maybe it's not stingy. Rather, we adjust our needs and expenses so that we can make adjustments to financial problems.

The aim is to provide the right decisions in the future and we are not faced with problems when economic conditions become worse. Without a plan we are unable to prepare for a much better life and instead we will be faced with problems in the future.
member
Activity: 286
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Whether or not you're always should be concerned with saving money,you don't necessarily need to be a billionaire but its important to have money saved for the future,I mean a good sum of money.Whatever happens,you need to be responsible for whatever you earn and save/invest,ensure that you still have enough money for the future that'll cover your unexpected expenses.

That's right, by saving the percentage of becoming a billionaire is very small, it also means capital and that is very far from my mind. Indeed, becoming a billionaire is a dream but it has to be done through effort which is not easy and of course if we don't have activities that are able to generate large profits every month, but, in my opinion, it is difficult.

The most positive thing about essence savings for me is that there are funds that can be withdrawn if we are in a weak condition. Whether the economic condition is weak or critical, at that time this needs to be handled quickly so that it can be resolved.
member
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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.
sr. member
Activity: 1736
Merit: 306
People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance. 

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.

Whether or not you're always should be concerned with saving money,you don't necessarily need to be a billionaire but its important to have money saved for the future,I mean a good sum of money.Whatever happens,you need to be responsible for whatever you earn and save/invest,ensure that you still have enough money for the future that'll cover your unexpected expenses.

The sooner you start shaving your, money, the more likely it is that you’ll never face a lack of money or financial stress.Everyone recognize s money as valuable,since money is always importants,its crucial to make plans so you will always have enough;therefore,earn money,save money,invest and take a responsible approach towards acquiring and saving money without allowing it to cause you problems in your life.
sr. member
Activity: 1344
Merit: 311
Savings is your friend in bad times because you can earn a lot of money by working or doing business when you are young but you will not have that ability when you are old. That's why you need to reduce waste of money in your youth and make savings so that they can support you financially in your later years. In this case, you can keep your savings in an asset, in which case the value of that asset will increase over time, so you will not lose the value of your savings.
Doing work until old age I think is very difficult because old age will limit us from doing activities like when we were young and deciding to save at a young age of course this will prepare us for a better old age and we will also be able to enjoy together with our family in the future, reducing expenses that we don't need at a young age, this will be very beneficial for us and we can use the money to save and we can even make investments because by investing in assets that have good potential, of course this will making these assets profitable with prices continuing to increase.
hero member
Activity: 3080
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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.
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