How to save money.

[harizen]

It's hard to save, unless you don't have much higher incomes then your monthly obligations or some extra income. Life is getting more and more expensive

like OP say
look at this example

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Not everybody have same income. In my country people work for less than 1$ per hour. If your needed expenses are higher than your initial income how come you can save money? It's impossible.

And 20% of it will became a part of normal spendings so there's no left for saving purposes.

Here in my country there is so called "provincial rate" where salary is not the same as those working in urban ares even the work is the same. It's really hard to think how they can save money with that salary even they want to save.

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[aakashsangwan]

if a person wants to save money then he/she can do anything, what you are earning is not important , how you spend your earning is the main point, i have seen person earning 5000 Rs. is able to save atleast 250 Rs. per month, it is important that how you spend.

[harizen]

if a person wants to save money then he/she can do anything, what you are earning is not important , how you spend your earning is the main point, i have seen person earning 5000 Rs. is able to save atleast 250 Rs. per month, it is important that how you spend.

LOL are you serious about this? Can't you see some previous post?

Didn't you know that those low salary person who can't save much money are the best in managing earnings. They can usually managed their low salary to cover basic spending of rather normal spendings and family needs until the next payday. Your statement can't applied to anyone.

[Quinn]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

The reason why it is so hard for us to save money is because we save money by cutting back on the things we love.  Why not save money on the things we hate paying for like credit cards, cellphones, to name a few.

[MinerHQ]

It's hard to save, unless you don't have much higher incomes then your monthly obligations or some extra income. Life is getting more and more expensive

That is 100% true but if one should find a ways to save some percentage from their earnings for retirement life otherwise it will be very difficult later on and that's why one should start saving money when they are young and single. Later on after marriage and kids your expenses will grow and never come down. Either find a ways to save or find a ways to grow income that is only option to save money.

Saving earnings for retirement purposes can't be think by the average numbers of mid age person since retirement age are still in the long way. They find it unusual  since they are planning early for their retirement at their young age.

If you don't start at the early age then you need to save more later on so it is better start early.

[lemipawa]

The reason why it is so hard for us to save money is because we save money by cutting back on the things we love.  Why not save money on the things we hate paying for like credit cards, cellphones, to name a few.

Credit cards when used properly can do good than harm that is if you know how to use it properly and pay on time. Some even use it for business since you will pay for the item after a month. ellphones nowadats are a neccessity, but those high end phones that cost your arm and leg is way to much for someone who earns a few bucks a day

[Poppy]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

I save money by religiously putting in my savings account.  I am not a business owner but I find that by religiously putting in my savings account, I do not have to worry about my future.

[Abiky]

Just save 10% of your earnings, including every penny (even if it's not worth nothing to you) and put them safe on a bank. You might not notice today, but when you look at it in the future, you're going to have pretty decent money for emergencies, etc. It is good to save, but it is very important that you keep track of your income and expenses for better management of your finances. 

[rivoke]

Just save 10% of your earnings, including every penny (even if it's not worth nothing to you) and put them safe on a bank. You might not notice today, but when you look at it in the future, you're going to have pretty decent money for emergencies, etc. It is good to save, but it is very important that you keep track of your income and expenses for better management of your finances. 

Just like my mother ever said, I can save my money not just save it for bank, but also investing into gold or other valuable things.
Surely those things will keep increasing over time and they are the best investment all the time

[dothebeats]

It's hard to save, unless you don't have much higher incomes then your monthly obligations or some extra income. Life is getting more and more expensive

This explains it nicely. Life is getting more and more expensive as time passes by. People are getting too greedy and too hungry for money. Even though you got a high salary, you need to be thrifty so as to ensure that your budget would last a month. Here in the Philippines, you can actually live with only $300 per month, but not all the people in here have that kind of salary and some are in-debt from the banks or governments that would cut some portion of the salary they are receiving.

[Arcteryx]

Just save 10% of your earnings, including every penny (even if it's not worth nothing to you) and put them safe on a bank. You might not notice today, but when you look at it in the future, you're going to have pretty decent money for emergencies, etc. It is good to save, but it is very important that you keep track of your income and expenses for better management of your finances. 

Just like my mother ever said, I can save my money not just save it for bank, but also investing into gold or other valuable things.
Surely those things will keep increasing over time and they are the best investment all the time

Would you suggest in investing in BTC now as it stands?

Do you think your mother would see this as a solid investment to give viable pay off in the long run?

[Pantheon]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

One way to save money is to stop buying things without looking around for the best price.  Always have a comparison.

[Dotakels]

It's hard to save, unless you don't have much higher incomes then your monthly obligations or some extra income. Life is getting more and more expensive

This explains it nicely. Life is getting more and more expensive as time passes by. People are getting too greedy and too hungry for money. Even though you got a high salary, you need to be thrifty so as to ensure that your budget would last a month. Here in the Philippines, you can actually live with only $300 per month, but not all the people in here have that kind of salary and some are in-debt from the banks or governments that would cut some portion of the salary they are receiving.

i know that by now a days stuffs and goods are very expensive but saving is not rush, you can save now and not for tomorrow, if you only have an extra money to save, then save it if you don't then don't, thats is my way to save my money like what i do right now, i save my left money in my allowance every week addition of my earnings in this forum and if i don't have any money, i just let it and i know my friend dothebeats can save money because he has a high rate payment

[Nami]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

There are many ways to save money actually one thing is to do the traditional save it in a piggy bank and later on place it in the bank.

[Nasus]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

Save it in the banks and not to exceed from more than you can earn because it will put you in debt and you dont want to spend the rest of your life paying for it, That is one way to save up money.

[Nautiluss]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

Save money is not that easy, one way is to buy only the necessary things you need.

[Nidaleee]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

To keep some in the bank.
To buy only the things you need not the unnecessary ones.

[Quinn]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

I always find the best price for something that I want.  In this way, I can save money even in just small amounts.

[Poppy]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

You can save money by getting the best price on items.  Avail of discount coupons, sale, for that matter.

[Pantheon]

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness  not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .


The 1st way : cash reserves- medical insurance, retirement, life insurance  and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.
 

Thank you .

Before, I used to do the conventional like paying the bills first then saving what is left, and I find that I was not able to save a single cent.