I think it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and earn money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.
We have to spend depending on our income, but we can save money. If we spend more than our income, we are more likely to be in debt. We can invest some of our income and save some money. Those who are wise They will never spend the full amount of income. And those who are fools will spend all the amount of income. 
Topic: Take care of your money and learn to save. - page 9. (Read 2909 times)
Earning money is mandatory to fulfill our daily life needs. We should always keep track of it so that we don't spend extra money for any reason. Along with earning money we have to take steps to save money and try to save money gradually. So that we can use the money that we have saved later for something good. The biggest thing is that we should calculate how much money we spend and how much money we have to spend to live a good life.
Without money nowadays it will be very difficult to meet the needs of life and we will be forced to look for money to meet living expenses with our family or alone. Saving money is really needed so that we don't get trapped by wasting money unnecessarily because we are worried that the consequences will be much worse. With job conditions that are difficult for us to get, we need to make savings and be able to adapt ourselves so that there is no waste by spending money where it is not necessary.Having priorities and having a plan is an effort to maintain financial stability, sometimes we don't realize we are spending money beyond our means. Finally, we are stuck with loans to meet our living needs and this happens because we don't have a plan regarding financial stability.
I think it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and earn money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.
It is true that if we don't have money then no one will respect or care about us, but that doesn't mean we should try to make money just to get their respect or attention. We make money to take care of our future and family, not for prestige or just so people recognize us.
I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
You are right, all that should bother us is only the opinion of our family, and if you care about their well-being, then you will always be a respected person both for the family and for those around you, if, of course, the opinions of others interest you. Financial literacy is the responsibility of every person, no one will care about your well-being, no one will earn money instead of you, this is something we cannot do without and what is one of the most important in our lives, therefore we need to treat money responsibly.I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
This is a good reminder because I see most people who become rich change their personality and the way they treat people, some people who become rich start looking down on others and show signs of arrogance. This is really bad because it will create huge cracks in our relationships and it doesn't stop there because life is full of surprises. I mean we can become rich but in the future we can also become poor at any time, and if we look down on others when we are rich then when we become poor there will be no one around.
You are right, humility and gratitude are two virtues that will help us survive in this society.
Actually, there's nothing wrong if we tell our colleagues that we often save, because it's not just showing off, but that way maybe he will be motivated by what we have done with the money we have.
Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.
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."
Earning money is mandatory to fulfill our daily life needs. We should always keep track of it so that we don't spend extra money for any reason. Along with earning money we have to take steps to save money and try to save money gradually. So that we can use the money that we have saved later for something good. The biggest thing is that we should calculate how much money we spend and how much money we have to spend to live a good life. 
Actually, there's nothing wrong if we tell our colleagues that we often save, because it's not just showing off, but that way maybe he will be motivated by what we have done with the money we have.
Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.
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.
I actually and genuinely agree with you mate,spend less but save some for later because when you loss your money you gonna loss Alot of people whom you think where just after the real you,not knowing they are just with you because you have what is to being giving which is money ,money is the roots of all evils,but really friends got your back with money none without they only believe in what you do.
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.
Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.
The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.
The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
Savings in any form should not be shared carelessly with the public because this could trigger bad things to happen to the owners of the savings themselves. The bad thing that can happen to people who have a lot of savings is that they are more vulnerable to being targeted by fraudsters and also by thieves around them. So I also agree with what you said that everyone who already has savings in any case should not be arrogant and also make a fuss by showing it to everyone because this will also be known by people they don't know. The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
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.
Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.
The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
It is true that if we don't have money then no one will respect or care about us, but that doesn't mean we should try to make money just to get their respect or attention. We make money to take care of our future and family, not for prestige or just so people recognize us.
I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
You are right, all that should bother us is only the opinion of our family, and if you care about their well-being, then you will always be a respected person both for the family and for those around you, if, of course, the opinions of others interest you. Financial literacy is the responsibility of every person, no one will care about your well-being, no one will earn money instead of you, this is something we cannot do without and what is one of the most important in our lives, therefore we need to treat money responsibly.I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
You are right, if we don't have an income it is impossible to save and I am interested in trying what you have said of course this will be very useful for me, holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need.
It is indeed impossible for someone to have savings if their income is below their routine expenses.
How we can save money if we have no income? Saving is possible if we have enough monthly income, it can be allocated after we fulfill the allocation of premier necessities. Actually, his formula is a common formula, everyone must already apply it. Do you never know the formula? It is indeed impossible for someone to have savings if their income is below their routine expenses.
By the way, I even doubt that people can survive if they have lower income over the routine expenses? Our routine expenses should depend on the monthly income, right? Normal people must adjust their expanses based on their income.
Money is indeed important in life, but we have different abilities in running our lives.
Running our lives? In fact, we are born with the same condition. Basically, we have the same ability in life. However, each person has his own goal in life. This probably leads people to do a different way.
The reality is that we don't try to live within our means and most people just try to live an excessive lifestyle.
People must live with their own way. Still, sometimes people lifestyle doesn't reflect their abilities. Sure, it is actually not needed if people understand the meaning of life. If they know this, they must prefer to have saving and investment rather than spending money on unnecessary stuff.
It is true that if we don't have money then no one will respect or care about us, but that doesn't mean we should try to make money just to get their respect or attention. We make money to take care of our future and family, not for prestige or just so people recognize us.
I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
You are right, all that should bother us is only the opinion of our family, and if you care about their well-being, then you will always be a respected person both for the family and for those around you, if, of course, the opinions of others interest you. Financial literacy is the responsibility of every person, no one will care about your well-being, no one will earn money instead of you, this is something we cannot do without and what is one of the most important in our lives, therefore we need to treat money responsibly. I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.
To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.
Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.
More or less, we can say that this depends on each month's needs and this is the result of more than all a person's needs. Saving is indeed a category of good money management, which means that later when someone will need their savings for their business needs or other basic needs. but of course a person's income will determine how good his savings are.
I think erep has already said it, this does not depend on his needs but this depends on his income, because if it depends on needs it will be very difficult to be translated into a mathematical and logical financial scheme, needs can adjust to income, but income cannot adjust to needs, this will be a difference of view even though you have the same intention, but if examined again it will give birth to different thoughts.
And to see a good savings cannot be seen from a person's income, because there are not a few people who have a large income, but they do not have much savings, some even have no savings at all, and to assess this I think it is unfair to look at the amount of accumulation alone, because if someone can save a large amount because his income is much greater it shows that he is very good at saving.
I think you need to use percentage as a measure of how well someone is saving, because that will give a fair conclusion in judging someone to save their money, honestly, a person's income is different and so are their needs.
Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.
More or less, we can say that this depends on each month's needs and this is the result of more than all a person's needs. Saving is indeed a category of good money management, which means that later when someone will need their savings for their business needs or other basic needs. but of course a person's income will determine how good his savings are.
in the aspect of food, you must not necessarily eat three times a day.
I don’t think it’s the amount that matters but rather the nutritional value of it. Even if you are saving, you shouldn’t sacrifice your health for it as it can have long term consequences.-snip-
Even if saving enough but when we have to tie the stomach tightly enough because of not enough nutrients obtained, it is tantamount to ignoring health.
Because if we get sick because the obsession to save is too extreme, it will make spending greater when experiencing illness.
Save properly and do not have to ignore basic needs that really should not be reduced portion.
-snip-
holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need. It is indeed impossible for someone to have savings if their income is below their routine expenses.
Then it is necessary to do good management, even though income is below standard for routine expenses you can still save. holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need. It is indeed impossible for someone to have savings if their income is below their routine expenses.
Savings are adjusted for income, maybe taking 10% or even 5% of the main income, but it's routine.
Especially if it's done on Bitcoin, do DCA every month when your money accumulates and start saving bitcoins.
Bitcoin fluctuations will make a profit if you are able to survive for a long period of time until the highest target is reached.
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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.
Saving is important and may have to be adjusted, but the scale of saving must be a balanced percentage with a much more productive way of making money. Money can bring unequal enjoyment and money can also make someone take the wrong steps, this is where self-monitoring is needed to control because without planning we cannot prepare for a better life. How many people are unable to achieve happiness in life even though they have a lot of money and on the other hand, people who live simply enjoy their lives much more and are much happier.Money is indeed important in life, but we have different abilities in running our lives. Being stingy or thrifty is just an issue that doesn't need to be magnified because we know the scale of needs that must be prepared for. The reality is that we don't try to live within our means and most people just try to live an excessive lifestyle.
I don’t think it’s the amount that matters but rather the nutritional value of it. Even if you are saving, you shouldn’t sacrifice your health for it as it can have long term consequences.
I don't believe people can think when they are experiencing poor nutrition because the brain needs nutrition to develop. If there are people who sacrifice their health to save then believing that is not true because it is impossible for us to make a savings portion under these conditions.It’s not necessary to have multiple rooms with air conditioner but one room should suffice. Even with an air conditioner, you can just control it and only turn it on when it’s hot. That way you can still save.
There are many ways to save but don’t deprive yourself of basic and sometimes a few treats for yourself.
Saving has a measure for each person because of the difference in the amount of income we get. Some people have an AC in every room and they have a much larger income so they can put an AC in every room. For those of us who don't have a large income, a fan is more than enough even though in terms of health it has an impact when used for sleeping.There are many ways to save but don’t deprive yourself of basic and sometimes a few treats for yourself.
It's hard to save money when people indulge themselves too much and sometimes prestige is much bigger than the income we get. So in the end, to meet all your needs you have to deal with loans and this is where the lifestyle error lies.
Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.
Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds. However, someone can save if their monthly income is above the average routine expenses. If their income is below this amount then they cannot allocate funds for saving. The solution is as you explained above, they have to work hard to increase additional income from other jobs.
It is indeed impossible for someone to have savings if their income is below their routine expenses.
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