Take care of your money and learn to save. - page 19.

boty

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Quote from: |MINER| on May 07, 2024, 01:02:30 PM

Money should always be calculated. Spending money freely will get you into trouble. Money should be valued. Because without money you are worthless. That means you have no value without money. There is no substitute for money for livelihood. So we should think of earning money while we have time and should save it. But saving does not mean that we cannot save only without mixing our basic needs. Because Everything has a system.

If someone cannot manage the expenses they need, of course they will have financial problems and the income they have will certainly not be enough to meet their needs. It is important for us to continue making money and we must also be able to manage it well so that we not having financial problems, of course this is something that no one will ever want, before saving, of course we must first meet the needs we need and the remaining income we have, then we can save and if possible we can invest.

Quote from: Freeesta on May 07, 2024, 01:47:20 PM

We love to spend money. Every day we buy many things but there is no need to buy this. This is the most important rule of saving. There is an art to spending little money. If we don't know this, we won't be able to have a lot of money. Let's calculate how much money we can spend in one week on unnecessary things. This is savings! Techniques will not work if we do not learn to do without some things

If you like spending money on things you don't really need, of course it will be very difficult for you to save and it could put us in financial trouble. Calculating the amount of expenses is of course very good because we will be able to track our expenses and be able to learn whether we have used the income we have well or not and if indeed we are still using the income we have on things we don't need, of course we have to fix it so that we don't repeat this in the future.

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Quote from: Lidger on May 04, 2024, 03:21:26 PM

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.

It is true it wouldn't always be the same so we must learn to save or manage our funds well.
It doesn't matter if you are earning big right now it would all be useless in the future if you couldn't manage it well, some people tend to spend all of their earnings to enjoy their life or live the moment as they call it, but what about their future? they don't really care much about it as long as they are having fun.
I think this is the reason why most minimum wage earner aren't successful, they tend party almost everytime they get their salary to relieve stress.

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Quote from: Russlenat on May 07, 2024, 05:43:48 PM

Quote from: |MINER| on May 07, 2024, 01:02:30 PM

Money should always be calculated. Spending money freely will get you into trouble. Money should be valued. Because without money you are worthless. That means you have no value without money. There is no substitute for money for livelihood. So we should think of earning money while we have time and should save it. But saving does not mean that we cannot save only without mixing our basic needs. Because Everything has a system.

Its not bad to spend but make sure you have set aside your savings first prior to spending, that way you are just enjoying your extra money. Although spending is inevitable most especially if it’s all about your needs and sometimes wants, but set your limits so you won’t end up spending all your hard-earned money.

While saving could be very essential, but that should not be our ultimate goal, but put them into a potential investment wherein you can manage its risks and become successful. Of course, that would demand hardwork as well, but know that you can never succeed on your business or investment if you are not actually dedicated or devoted into it. Do everything to succeed, not only in your investment, but certainly in all aspects of life.

Limit and budgeting would be always crucial and this is something that you would really be needing up to consider because if you do spend up like a mad man and like that there's no tomorrow then you would
really be suffering those conditions on which you would really be having kind of regret because you have done something shit earlier. You would be able to realize the importance of savings on the time that you would really be experiencing difficulties but if not then you would really be that confident that there's nothing that would happen to you until there's one. On the time that there's nothing happening on you
then you wont care but if there's one then this is the time that you would be panicking.

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Quote from: |MINER| on May 07, 2024, 01:02:30 PM

Money should always be calculated. Spending money freely will get you into trouble. Money should be valued. Because without money you are worthless. That means you have no value without money. There is no substitute for money for livelihood. So we should think of earning money while we have time and should save it. But saving does not mean that we cannot save only without mixing our basic needs. Because Everything has a system.

Its not bad to spend but make sure you have set aside your savings first prior to spending, that way you are just enjoying your extra money. Although spending is inevitable most especially if it’s all about your needs and sometimes wants, but set your limits so you won’t end up spending all your hard-earned money.

While saving could be very essential, but that should not be our ultimate goal, but put them into a potential investment wherein you can manage its risks and become successful. Of course, that would demand hardwork as well, but know that you can never succeed on your business or investment if you are not actually dedicated or devoted into it. Do everything to succeed, not only in your investment, but certainly in all aspects of life.

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Quote from: justdimin on May 07, 2024, 04:46:24 AM

It is true that spending money carelessly is a problem, but at the same time people are keep forcing the regular people to live frugal life instead of seeing the real problem; companies becoming greedier.

Do not drink starbucks every morning, do not get your avocado toast, do not buy the new iphone, do not go to a vacation you can't afford, do not get all the subscriptions, do not get ... and so forth and so forth while the rich guy just spends 10 billion to shoot himself to space, I am sorry but wtf is wrong with people that we are taking the last ounce of happiness life provides to these low to mid level income people, and not looking at the reality that corporations make tens of billions of profit while not giving their workers any proper raise? That is the real problem.

Wages are way too low right now, and as long as that is not fixed, you will get poorer and poorer, eventually they will tell you that eating three times a day is bad, and you should eat twice, because that is what you will be able to afford anyway with the money these companies pay us.

This is such a good take, I couldn't put it any better myself even if I tried. It is such a shame that people do not see the real problem and overlook that issue and just keep telling people to live smaller and smaller. We are in the period where we have the most in the world, innovations grew rapidly and there are so many things, and people are failing to be able to buy just a home, something people used to do so easily.

I am not saying that lets all have lambos and yacths, but we are in a world where the median income doesn't get you a home in 5 years worth of salary in most places of the world. In my nation, 5 years worth of salary wouldn't even get me a car, let alone a house, but definitely not a house. Why not look at that and just focus on saving?

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Quote from: Sexylizzy2813 on May 07, 2024, 03:13:28 PM

What I've come to believe in this life is that the wicked live longer than those who claim to be good, I agree with you to be seen as a wicked and stingy person or answer the name of a wicked person.

Helping those in need is never bad however you also have to identify your limits as a person. You wouldn’t want to lose all of yourself.Sometimes being greedy and putting yourself first is the right thing to do.

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have an uncle (lemme call him that) who has enough to give but even to his wife he act stingy, her people needs help but he prefer to give to a stranger than those ones from the wife's place and I understand him very well because he might have pass through hell before getting all he have so that alone would be difficult to get from him.

What did his wife do to deserve that treatment lol. Above all when I am rich enough I would spoil my family and give them everything they need.

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Quote from: SmartCharpa on May 06, 2024, 09:39:18 AM

Quote from: Sexylizzy2813 on May 05, 2024, 11:56:56 PM

When you have money I mean enough money your friends increase without you knowing (that's if you're the party type) so you need more money to make things happen to keep that friendship going. Before you start up a life of spending lavishly don't forget of having where more money would come from, that's why one need a better investment to stay on top not only that but you need to think I'm a productive way to keep the money pumping.
In some countries where things are hard and prices of goods have doubled times 3 of the old price, you think of how to spend less and save more and also cutting off the way you spend as of then to make a good meaning of your hustle. Is best to be stingy and you have what to feed yourself and your family than giving out money without thinking about tomorrow to be begging along the street with a hungry stomach.

I think people should see me as a bad person just because I refuse to spend my money on them. Not everyone will think you are a bad person, some will no longer talk to you or be close to you because you do not spend your money as they think. We've lost a lot of friends because they think their friends' money is theirs. If they have an issue to solve, they will believe that their wealthy friend can fix it. If someone starts making money, I believe they should limit how much they walk around since the more you walk, the more you spend.

What I've come to believe in this life is that the wicked live longer than those who claim to be good, I agree with you to be seen as a wicked and stingy person or answer the name of a wicked person. Is good to give but some people take it for granted even when there's no need to ask they do ask. Normally people who are rich like to give I mean "some" but they turn to be wicked because no one knows what they passed through in life before making it to where they are now, have an uncle (lemme call him that) who has enough to give but even to his wife he act stingy, her people needs help but he prefer to give to a stranger than those ones from the wife's place and I understand him very well because he might have pass through hell before getting all he have so that alone would be difficult to get from him.

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We should not allow anything to bother us, our family problems should always be a main priority since we never know what tomorrow will bring. If you are broke not all your friends will support you, even if you used to spend on them. It's difficult to save when you come from a place where items are very cost. Being stingy is good if it stops us from overspending. He was once a giver, but now a needy should not be our position.

Honestly it is very hard to give when you're surrounded by people who look up to you for assistance especially when they're your blood, you can't say no to your siblings not while you're the elderly one. It will be a bigger problem if you don't have to give because it will look like you have failed as the breadwinner.

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Quote from: Lidger on May 04, 2024, 03:21:26 PM

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.

Always save and consider on trying out to establish yourself on having that multiple income source rather than on relying into your main job for the rest of your life because if you do and then there's something that do happens into it or some laying off or being kicked or fired then for sure you would really be having that miserable life because you are really just that relying on it and at the same time you dont have any savings just because you arent that making one when you do still have that job or just because you had just that made yourself that being too confident that there's nothing would gonna happen on you.

On the time that there's something happened then for sure you would really be having in mind or having those kind of regret that you shouldnt have that missed out on making up some savings or making out
some investment or having that other income source for you to save up at least. You would really be able to realize its importance on the time that you would really be on such tough
situation on which its a common thing that most people would really be ending up into.

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We love to spend money. Every day we buy many things but there is no need to buy this. This is the most important rule of saving. There is an art to spending little money. If we don't know this, we won't be able to have a lot of money. Let's calculate how much money we can spend in one week on unnecessary things. This is savings! Techniques will not work if we do not learn to do without some things

|MINER|

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Money should always be calculated. Spending money freely will get you into trouble. Money should be valued. Because without money you are worthless. That means you have no value without money. There is no substitute for money for livelihood. So we should think of earning money while we have time and should save it. But saving does not mean that we cannot save only without mixing our basic needs. Because Everything has a system.

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Quote from: God bless u on May 07, 2024, 09:42:26 AM

Quote from: blckhawk on May 05, 2024, 03:16:08 AM

Don't learn to save, learn to invest because that's much better than just letting your money stagnate in your bank account when there's the potential that it can grow when you invest it into something, remember that if you're presented the opportunity to invest especially if it's crypto, just go ahead and take it, there's no harm in going for that and it's probably much better for you to do it anyway. Regarding taking care of your money, best thing to do is to spend on your needs first then splurge just a little on your wants, remember that life isn't always about money, and if you don't live a little using the money that you earn, you're probably susceptible to break down and depression that would affect your life in the worst of ways, and you can prevent that if you just live a little.

Yeah that's more appropriate to invest your money into the right direction because of Time value of money. The money will lose its value as time will pass but your investment will get you some good profits if you do it into the right direction.

So the money invested into the right direction is far better the the money that is stacked up into your home. Try to be smart and hardworking at the same time.

First of all make sure that the house you stack your money up is yours. Some people make investments while paying a mortgage for their houses. If it is sure that you'll get a dividend higher than the interest rate, with no risk, it is ok, but if not, maybe some should start thinking in paying their credits first of all.

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Quote from: blckhawk on May 05, 2024, 03:16:08 AM

Don't learn to save, learn to invest because that's much better than just letting your money stagnate in your bank account when there's the potential that it can grow when you invest it into something, remember that if you're presented the opportunity to invest especially if it's crypto, just go ahead and take it, there's no harm in going for that and it's probably much better for you to do it anyway. Regarding taking care of your money, best thing to do is to spend on your needs first then splurge just a little on your wants, remember that life isn't always about money, and if you don't live a little using the money that you earn, you're probably susceptible to break down and depression that would affect your life in the worst of ways, and you can prevent that if you just live a little.

Yeah that's more appropriate to invest your money into the right direction because of Time value of money. The money will lose its value as time will pass but your investment will get you some good profits if you do it into the right direction.

So the money invested into the right direction is far better the the money that is stacked up into your home. Try to be smart and hardworking at the same time.

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Quote from: electronicash on May 04, 2024, 05:12:25 PM

people who criticize are always the ones who haven't achieved more than you have. It's always that way when you have money, they come forward and be on your side but when you have nothing, you are set aside and even discredits your achievements.

it's best to just keep silent when you have money and never show them your success. not everyone on your side is your friend. sometimes they are just waiting for your failures.

Basically people tends to come closer to you when you have money go give out or if they find out that you are kind of generous and they will want to take advantage of your generosity but if they find out that you are not as generous as you used to be, they begin to withdraw coming close to you and this is very common among human like when things are going well with you every one draws near to you but when things are not going too well with you they will forget your kindness when you had enough that is why you should take good care of yourself and family because they are the people that matters most in your life. And moreover, doing things without others noticing or knowing about how you're doing is very good instead always wanting to show off one's assets or wealth just to attract prestige and respect from others is not necessary at all.

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Nothing lasts for ever and any young person that understands this will know that money in your hands can finish, therefore it's very important to plan for old age when you're not able to work to earn more money. So the importance of savings and investments when the money is pouring in can not be overwhelmed, a person that spends all that they earn will become a dependent or a destitute in old age, when they're too weak to work.

Although with the rate of poverty in most underdeveloped countries, the concept of savings and investments is a mirage to them, because when you don't even earn enough money to eat a decent meal, how will you be talking about savings, not to mention investment. What I'm saying will sound like fiction to people in developed countries and the rich in impoverished countries, but the truth is that there many people in this poor countries, who are just hopelessness, they don't even remember that there's a future.

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Quote from: khiholangkang on May 06, 2024, 03:57:00 AM

Good basic thinking basically we should not spend money carelessly, we need to detect the needs that may come into our lives in the future, actually in life there will definitely come problems and many of the problems need money to solve them, therefore it is important to set aside our money to save, as an emergency fund or whatever it is, in fact when we have money every problem that comes can be easily solved or not worry about money problems when problems come into our lives.

But on the other hand, besides saving, we need to look at the gap between needs and income, if our income is not sufficient, the solution is not only to save or invest but how to increase income to cover needs so that we can have money for emergency funds and invest.

It is true that spending money carelessly is a problem, but at the same time people are keep forcing the regular people to live frugal life instead of seeing the real problem; companies becoming greedier.

Do not drink starbucks every morning, do not get your avocado toast, do not buy the new iphone, do not go to a vacation you can't afford, do not get all the subscriptions, do not get ... and so forth and so forth while the rich guy just spends 10 billion to shoot himself to space, I am sorry but wtf is wrong with people that we are taking the last ounce of happiness life provides to these low to mid level income people, and not looking at the reality that corporations make tens of billions of profit while not giving their workers any proper raise? That is the real problem.

Wages are way too low right now, and as long as that is not fixed, you will get poorer and poorer, eventually they will tell you that eating three times a day is bad, and you should eat twice, because that is what you will be able to afford anyway with the money these companies pay us.

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Quote from: Lidger on May 04, 2024, 03:21:26 PM

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.

If money brings people closer in your life, just know that they are fake people, if that same money is no more there they will leave you, I still believe that money can't drive people away like not having money again, lack of money will open the veil that friends and families are using to hide their true self.

The advice I have for you is to always risk your money while you are still young, take risks on investment now and tomorrow will find its way, too many people rely too much on how much they are making today, they cling unto the exact amount like it is most important.

They have forgotten that the world changes every time, a $1000 in 20 years back isn't the same $1000 today, things will surely get harder with time, a penny saved will always remain a penny, remember that, this is why I see many money as in instrument to escape future hardship of life.

I take risks with most of my money and I use the smallest part to live my life everyday, I will reap the rewards in the future.

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Quote from: Mr. Magkaisa on May 06, 2024, 02:23:17 AM

- If you are in the field of cryptocurrency then you can save money here by spreading dca or accumulating cryptocurrency that is top listed in the market. This is the future savings that most communities do in the crypto business.

And many others have preferred their savings through crypto that shall be their retirement plan and savings. This is common and not odd anymore but before, if you talk about it like for several years ago.

You'd be told that you're out of your mind because crypto was uncertain before.

Quote from: Mr. Magkaisa on May 06, 2024, 02:23:17 AM

Actually I am also among those who make dca tools for crypto savings in the future. And this method is effective, as long as you make sure that the crypto token you will hold is correct and has potential in this matter, so that the time you spend waiting will not be wasted.

DCA is a safe strategy.

You only gonna save whenever you can and as long as you can. You're having a saving and investment at the same time by doing it.

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Quote from: bittraffic on May 06, 2024, 02:36:05 AM

I'm surprised a lot of users here understand what OP said in the first post. I struggle to read it and get it into my head.

The average user probably only read the title - and then they reply without reading the content of the topic.
Just like you - I also have difficulty understanding what he wrote, but the point is, the title of the topic can make you understand what he wants to convey.

Quote from: Lidger on May 04, 2024, 03:21:26 PM

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.

Quote from: bittraffic on May 06, 2024, 02:36:05 AM

Anyway, having your priorities straight where you have to save something for yourself and your family. Earn as much as possible because no one will do it for you and don't let anyone take advantage of you. Iff you can start a business where you still can maintain your job, I think this is your best opportunity.

Money isn't everything - but money is always needed. Without money everything is difficult - having money, things may be easier. Saving fiat money as an investment is not a good option in my opinion - it doesn't provide good returns in the long run. Investing in assets that have the potential to gain value growth is a wise choice - in fact they don't have to invest in bitcoin or others if they believe more in assets that have physical properties.

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Quote from: bittraffic on May 06, 2024, 02:36:05 AM

I'm surprised a lot of users here understand what OP said in the first post. I struggle to read it and get it into my head.

Anyway, having your priorities straight where you have to save something for yourself and your family. Earn as much as possible because no one will do it for you and don't let anyone take advantage of you. Iff you can start a business where you still can maintain your job, I think this is your best opportunity.

Saving has really helped me for a long time now and if everyone embraced the act of saving, we would be very surprised to see that we are making money and creating businesses for ourselves. There are people that are having problems currently and they could not solve their problems because they never saved when they have the funds to have invested in something that will be giving them profits. It is very good we need to make sure we try at least even though it's from nothing and save for the time of nothing we one would not have to be running from one place to another for nothing.

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Quote from: Lidger on May 04, 2024, 03:21:26 PM

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.

Money is very powerful now a days if you don't have money people will not show a respect on you because they will threat you as poor guy and they will not care about you,so we really need to take care of our money and learn how to multiply it by saving or investing,saving or investing is good than spending it through things that is not important because at the end of the day you will be the only one who will suffer if you have an emergency need of money and nothing will give you so save or invest it for good.

Topic: Take care of your money and learn to save. - page 19. (Read 2856 times)