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Author Topic: How to save money.  (Read 345756 times)
joinal
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July 19, 2016, 10:08:29 PM
 #2641

Inflation rates in most countries eat saving money so I think everyone should not save a lot of money because by time its value is declining. only save what you may need in an emergency
i think if you do not want exposed to inflation you have to move the bulk of your wealth in a strong currency like the dollar or poundsterling or maybe you could try bitcoin, bitcoin might be protected from inflation, but I think you can not avoid fluctuations which continue to exist in bitcoin

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July 20, 2016, 02:39:22 PM
 #2642

Inflation rates in most countries eat saving money so I think everyone should not save a lot of money because by time its value is declining. only save what you may need in an emergency
i think if you do not want exposed to inflation you have to move the bulk of your wealth in a strong currency like the dollar or poundsterling or maybe you could try bitcoin, bitcoin might be protected from inflation, but I think you can not avoid fluctuations which continue to exist in bitcoin

Forget the two, we should just invest with bitcoins, dollars and pound are still subject to inflation due to economic crisis, while bitcoin price does not merely rely on the status of a certain country, the price is dictated by the demand of the actual supplies.

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cambda
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July 20, 2016, 02:43:17 PM
 #2643

Inflation rates in most countries eat saving money so I think everyone should not save a lot of money because by time its value is declining. only save what you may need in an emergency
i think if you do not want exposed to inflation you have to move the bulk of your wealth in a strong currency like the dollar or poundsterling or maybe you could try bitcoin, bitcoin might be protected from inflation, but I think you can not avoid fluctuations which continue to exist in bitcoin


Even if  there is fluctuation in price your bitcoin will grow in future so if you are saving money in fiat then its better to save that money in bitcoin for better prospects in future.
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July 20, 2016, 03:10:36 PM
 #2644

Saving money is not a hard job at all but it still is true that some people have trouble with it, I think that these people spend to much money when they have received money.
You always need to set a max of how much money you can spend per week.
many family holder persons have trouble to save their money because they don't even earn what they need to support and feed their family and kids. that's why saving from them is very hard.
for those type of people my suggestion is get enter into bitcoin and give some part time to bitcoin. you can even better support your family with your bitcoin earning and you possible become able to save some funds every month.
yeah that's so true.. and its very good idea to save your earing by investing in bitcoins which will profit + saves ! its very recommended to save atleast 10 % of your total income everytime so you will be pretty safe for any future crisis !
jonatuzc
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July 20, 2016, 07:06:43 PM
 #2645

Inflation rates in most countries eat saving money so I think everyone should not save a lot of money because by time its value is declining. only save what you may need in an emergency
i think if you do not want exposed to inflation you have to move the bulk of your wealth in a strong currency like the dollar or poundsterling or maybe you could try bitcoin, bitcoin might be protected from inflation, but I think you can not avoid fluctuations which continue to exist in bitcoin

Forget the two, we should just invest with bitcoins, dollars and pound are still subject to inflation due to economic crisis, while bitcoin price does not merely rely on the status of a certain country, the price is dictated by the demand of the actual supplies.
And going by that, the supply of coins is halved and in time, the value of bitcoins is to go up.
We may not feel it right now but I compared the values from 2 weeks ago to today. The stable price has increased from ~$660 to ~$675.
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July 20, 2016, 07:43:07 PM
 #2646

I think there's a kind of balance you need to find between short time hapiness and long time happiness. Don't waste all your money on short time happiness (like visiting concerts) - but don't be too thrifty and spend no money on such activities. In the end it's all about hapiness, and living too thrifty is not a way to reach this (in my opinion).
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July 20, 2016, 07:44:48 PM
 #2647

Inflation rates in most countries eat saving money so I think everyone should not save a lot of money because by time its value is declining. only save what you may need in an emergency
i think if you do not want exposed to inflation you have to move the bulk of your wealth in a strong currency like the dollar or poundsterling or maybe you could try bitcoin, bitcoin might be protected from inflation, but I think you can not avoid fluctuations which continue to exist in bitcoin

Forget the two, we should just invest with bitcoins, dollars and pound are still subject to inflation due to economic crisis, while bitcoin price does not merely rely on the status of a certain country, the price is dictated by the demand of the actual supplies.
And going by that, the supply of coins is halved and in time, the value of bitcoins is to go up.
We may not feel it right now but I compared the values from 2 weeks ago to today. The stable price has increased from ~$660 to ~$675.

It is just a matter of time when we begin to see more serious price swings (over 10%)

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July 20, 2016, 10:05:22 PM
 #2648

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.
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July 20, 2016, 10:56:42 PM
 #2649

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

For everyone it is not hard to save money as everyone do not have responsibility or big family to support so they can save easily, and some who have large family and have responsibility on them it becomes hard to save they have to try to increase their income so that they earn some amount which they will save.
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July 20, 2016, 10:58:51 PM
 #2650

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

For everyone it is not hard to save money as everyone do not have responsibility or big family to support so they can save easily, and some who have large family and have responsibility on them it becomes hard to save they have to try to increase their income so that they earn some amount which they will save.

If you know how to save then you done need a big family to support you. Everyone can save a little bit. even poor people with no family support.

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July 21, 2016, 02:18:12 AM
 #2651

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

For everyone it is not hard to save money as everyone do not have responsibility or big family to support so they can save easily, and some who have large family and have responsibility on them it becomes hard to save they have to try to increase their income so that they earn some amount which they will save.

If you know how to save then you done need a big family to support you. Everyone can save a little bit. even poor people with no family support.

Having a big family or having a great responsibility in terms of financial would give a  hard time on saving money specially your wage is enough only for everyday expenses of your family needs. Somewhat there are ways to increase your income, either doing side jobs , anything that would add your income. In that way you can save somehow and can be used in case of emergency times.

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July 21, 2016, 02:55:57 AM
 #2652

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

For everyone it is not hard to save money as everyone do not have responsibility or big family to support so they can save easily, and some who have large family and have responsibility on them it becomes hard to save they have to try to increase their income so that they earn some amount which they will save.

If you know how to save then you done need a big family to support you. Everyone can save a little bit. even poor people with no family support.

Having a big family or having a great responsibility in terms of financial would give a  hard time on saving money specially your wage is enough only for everyday expenses of your family needs. Somewhat there are ways to increase your income, either doing side jobs , anything that would add your income. In that way you can save somehow and can be used in case of emergency times.
Simply because we need to prioritize our basic needs but it is still advisable regardless of the amount you earn we should strictly set aside a little savings as we never know what the future would bring.

Living in this world is full of surprises and good things and bad things can happen so we should be ready for the bad things in life with our savings.

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July 21, 2016, 05:29:33 AM
 #2653

In order to save money you must Be mindful of your spending. Take your cash and any left over $ from recurring bills that you do not want to or can not eliminate and open a savings account. Money market accounts are good as they can be liquidated without penalty at any time. Leave only the money you do not mind spending (however much that may be) in easily accessible accounts (checking) or in cash.

Monitor your spending habits daily.This is useful to give you a visual understanding of wasteful spending habits and help you to plan ways to eliminate any such occurrences.

The easiest way to save money is not to spend it needlessly.

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July 21, 2016, 05:41:56 AM
 #2654

Few simple steps -

1) Do not gamble.
2) Earn and save and buy insurance and stocks.
3) Avoid unnecessarily eating food outside.
4) Spend only on very urgent stuff and rest postpone the purchasing.
 
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July 21, 2016, 05:56:07 AM
 #2655

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.
If you really want to save, you can do it even if your wage is small. If there's a will, there's a way. The first rule in saving is paying yourself first. If you could set up an auto deduct system with your company, you could already have savings. Cutting back on your expenses would really be a big help too.
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July 21, 2016, 06:13:02 AM
 #2656

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.
If you really want to save, you can do it even if your wage is small. If there's a will, there's a way. The first rule in saving is paying yourself first. If you could set up an auto deduct system with your company, you could already have savings. Cutting back on your expenses would really be a big help too.
Exactly, our expense sometimes are too big because we prioritize our wants over our needs, if we like to save we need to be a discipline person and should follow the basic rules to save, like putting a compulsory savings for the future.

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July 21, 2016, 06:35:08 AM
 #2657

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

For everyone it is not hard to save money as everyone do not have responsibility or big family to support so they can save easily, and some who have large family and have responsibility on them it becomes hard to save they have to try to increase their income so that they earn some amount which they will save.

If you know how to save then you done need a big family to support you. Everyone can save a little bit. even poor people with no family support.

Having a big family or having a great responsibility in terms of financial would give a  hard time on saving money specially your wage is enough only for everyday expenses of your family needs. Somewhat there are ways to increase your income, either doing side jobs , anything that would add your income. In that way you can save somehow and can be used in case of emergency times.
That's why the time you have family you need to have higher work that pays higher income, it is really different if you have family and your living alone. The things you need is 2x higher than you actually earning.
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July 21, 2016, 06:51:55 AM
 #2658

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

That just mean you need to work harder and work as much as you can to atleast have a minimum budget for you and for your family..Working when you just think you want to work means there is no savings there..To have a savings you need to work then compute, or budget your money, have the same lifestyle and don't change it when you earn big, then after that, do what the OP said..  Smiley
Omegasun
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July 21, 2016, 06:56:14 AM
 #2659

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 .


everything that we buy included above is a necessity for man. because we need social life. hahahah


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July 21, 2016, 07:05:51 AM
 #2660

For now its hard to save money if you want to save manage your money wisely do budgeting ang make listing to how you budget your money in that way i think you save money. Now i only save gor emergency situation i have no saving coz my wage not enough for our daily life. The better way do budget ang list to manage your wage.

That just mean you need to work harder and work as much as you can to atleast have a minimum budget for you and for your family..Working when you just think you want to work means there is no savings there..To have a savings you need to work then compute, or budget your money, have the same lifestyle and don't change it when you earn big, then after that, do what the OP said..  Smiley
That is already given all the things to do save money but it takes discipline to apply all of those, we need to live a simple life and prioritize only our needs than our wants in life, we can see a lot of temptation out there like the gadgets but don't be fooled by that and stick always to the plan.

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