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Author Topic: How good are you at managing your money  (Read 51321 times)
Ilikechineseefood
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July 21, 2016, 10:30:25 AM
 #321

I am not that good in managing money, I think that I need to change my ways because it is not a god thing.
Saving and managing your money is a must because you need to have a back up.
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July 21, 2016, 12:31:50 PM
 #322

The only advice I'd give people is don't have any debt, and have savings of about 6 months expenses. Apart from that, you can spend as you like - just don't get overdrawn, and remember that those who accrue wealth do so because they have no debts and they have capital to take advantage of various opportunities.
I hate it when people lend money like they are nice guy the time they want to lend you but after lending them they will forgot the loan and doesn't seem to care anymore. Don't even take a loan if you can't pay it.

Exactly and if you are saving money on regular basis then you don't have to go for loan anytime, as saving is the best way to help yourselves at the time of emergencies.
You need a stored money so if it's emergency you can get your money and cashout it store it in lending trusted site or in your bitcoin wallet so if the bitcoin will raise and in case of emergency you will get it.
If for emergency I would not really trust my money in my bitcoin wallet because that is too risky, I just consider my savings in bitcoin wallet as investment and my emergency funds is stored in my bank account. It is better to be sure since we cannot see the bitcoins will increase consistently.

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July 22, 2016, 09:11:50 AM
 #323

The only advice I'd give people is don't have any debt, and have savings of about 6 months expenses. Apart from that, you can spend as you like - just don't get overdrawn, and remember that those who accrue wealth do so because they have no debts and they have capital to take advantage of various opportunities.
I hate it when people lend money like they are nice guy the time they want to lend you but after lending them they will forgot the loan and doesn't seem to care anymore. Don't even take a loan if you can't pay it.

Exactly and if you are saving money on regular basis then you don't have to go for loan anytime, as saving is the best way to help yourselves at the time of emergencies.

It's really sad that you are trying to help people by lending them money and when the time comes that you need the money, some of them can't be reached like unanswered calls and messages. A promise is a promise and when you broke the trust of the person who lend you money then it's hard to get back that trust again.

We should really know how to control our expenses and manage our money so that there's no need for us to borrow money.

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July 22, 2016, 01:11:28 PM
 #324

The only advice I'd give people is don't have any debt, and have savings of about 6 months expenses. Apart from that, you can spend as you like - just don't get overdrawn, and remember that those who accrue wealth do so because they have no debts and they have capital to take advantage of various opportunities.
I hate it when people lend money like they are nice guy the time they want to lend you but after lending them they will forgot the loan and doesn't seem to care anymore. Don't even take a loan if you can't pay it.

Exactly and if you are saving money on regular basis then you don't have to go for loan anytime, as saving is the best way to help yourselves at the time of emergencies.

It's really sad that you are trying to help people by lending them money and when the time comes that you need the money, some of them can't be reached like unanswered calls and messages. A promise is a promise and when you broke the trust of the person who lend you money then it's hard to get back that trust again.

We should really know how to control our expenses and manage our money so that there's no need for us to borrow money.
Well that is the risk lending your money mate and when you are in the business of lending you will clearly understand the behavior of a borrowers. I have been working in a bank and we have different kind of loans catered and my experience for our default clients is they have many excuses when due for payment.

There are two types of borrowers I can give to you, those you have no capacity to pay but still borrowed money and those who have the capacity to pay but without willingness to pay.

 
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July 22, 2016, 01:18:39 PM
 #325


It's really sad that you are trying to help people by lending them money and when the time comes that you need the money, some of them can't be reached like unanswered calls and messages. A promise is a promise and when you broke the trust of the person who lend you money then it's hard to get back that trust again.

We should really know how to control our expenses and manage our money so that there's no need for us to borrow money.

Thats true but lending to someone online? you must be very careful. Even they have collateral sometimes its not a guarantee that they will pay as they are willing to let go of their account and make a new one or, they have already a dozen of accounts Smiley

 
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July 22, 2016, 02:12:50 PM
 #326

I'm not that good on managing. Even without making budget or other calculations I used to fix a target on saving. Only based upon the saving targets I do my expenses.




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July 22, 2016, 02:55:58 PM
 #327

I'm not that good on managing. Even without making budget or other calculations I used to fix a target on saving. Only based upon the saving targets I do my expenses.

Managing your money is not very hard, the only thing that is important to have an overview of your income of cost.
If you can save after your cost you are doing a good job.
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July 22, 2016, 03:50:55 PM
 #328

The only advice I'd give people is don't have any debt, and have savings of about 6 months expenses. Apart from that, you can spend as you like - just don't get overdrawn, and remember that those who accrue wealth do so because they have no debts and they have capital to take advantage of various opportunities.
I hate it when people lend money like they are nice guy the time they want to lend you but after lending them they will forgot the loan and doesn't seem to care anymore. Don't even take a loan if you can't pay it.

Exactly and if you are saving money on regular basis then you don't have to go for loan anytime, as saving is the best way to help yourselves at the time of emergencies.

yeah , you are right, in the beginning i was not in the favor of saving my money and whenever i need some money I try to ask from my friends for loan and there I always face disappointment, now I have my own saving and I will now use then whenever I will need it.
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July 22, 2016, 05:30:22 PM
 #329

No one is good with managing their money. We are good to waste it.
Do you think what people doing right now?
they work for the money, they invest for more money, they keep it in the bank to hold it.
At the end the money from the sallary, company and bank is ready to use and waste.
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July 22, 2016, 05:52:56 PM
 #330

No one is good with managing their money. We are good to waste it.
Do you think what people doing right now?
they work for the money, they invest for more money, they keep it in the bank to hold it.
At the end the money from the sallary, company and bank is ready to use and waste.

But I myself do that by paying myself first after every payday, meaning a portion of my income goes to an investment right away, and I treat it as an expense. Now that I have my own family, I am finding it a little harder to manage my money because all of a sudden, the expenses have doubled. I guess that's how bitcoin has helped me. I am trying to find ways to augment my monthly income by investing in bitcoin and participating in signature campaign.
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July 22, 2016, 06:44:09 PM
 #331

I am very good in managing my coins, I use my coins in trading and make some more coins and also save my coins in my wallet as well as in my bank account for a better future or for a investment if i have a good opportunity to get some profit.
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July 23, 2016, 12:31:47 AM
 #332

I'm pretty bad at it and I don't make as much as I used to.   But I don't have credit cards so I don't live beyond my means.  I guess I'm not as bad as I used to be.
About the same story here, never been too good with my money but i have been getting better lately. At least my rent is always up to date and bills paid.

I also don't have any credit cards, got 1 sent to me as soon as i turned 18 i think and it went very bad but that was years ago now so i lernt my lesson the hard way on that.

Since my work hours got cut when sales went down a few months ago i have had to survive from paycheck to paycheck.
I actsually have a lot of credit card debt myself and I'm on a pension. I spend more money than I earned. The real thing that screwed me over is maxing out my credit cards. Now I have little money except what I earn here.

This has become the case for most people with credit,debt has suddenly become seen as a good thing because the interest rates are so low.
Once we adjust there will be a generation or two that never knew interest rates could be so high and have never known 15% in their lives.
There is a reason why car companies are getting into the the business of debt,they can make 5 times more money this way.

Yeah interests are so damn high to others that it is almost like robbing you. 15 percent is a lot of money specially when the price is really high. That could be a month salary of one person or more.

 
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July 23, 2016, 03:09:17 AM
 #333

I'm pretty bad at it and I don't make as much as I used to.   But I don't have credit cards so I don't live beyond my means.  I guess I'm not as bad as I used to be.
About the same story here, never been too good with my money but i have been getting better lately. At least my rent is always up to date and bills paid.

I also don't have any credit cards, got 1 sent to me as soon as i turned 18 i think and it went very bad but that was years ago now so i lernt my lesson the hard way on that.

Since my work hours got cut when sales went down a few months ago i have had to survive from paycheck to paycheck.
I actsually have a lot of credit card debt myself and I'm on a pension. I spend more money than I earned. The real thing that screwed me over is maxing out my credit cards. Now I have little money except what I earn here.

This has become the case for most people with credit,debt has suddenly become seen as a good thing because the interest rates are so low.
Once we adjust there will be a generation or two that never knew interest rates could be so high and have never known 15% in their lives.
There is a reason why car companies are getting into the the business of debt,they can make 5 times more money this way.

Yeah interests are so damn high to others that it is almost like robbing you. 15 percent is a lot of money specially when the price is really high. That could be a month salary of one person or more.
That is why credit card is not really advisable if you are good in managing and controlling yourself. You should always think that credit cards are here to tempt the users to spend more than what they can afford to lose.

 
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July 23, 2016, 04:19:58 PM
 #334

I am not that good in managing money, I think that I need to change my ways because it is not a god thing.
Saving and managing your money is a must because you need to have a back up.
Backing up your money is the best and safe way to earn bitcoins , you will use it in just emergency but don't waste it for nonsense thing like drinking beer , having fun  Wink

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July 23, 2016, 05:33:23 PM
 #335

I am not that good in managing money, I think that I need to change my ways because it is not a god thing.
Saving and managing your money is a must because you need to have a back up.
Backing up your money is the best and safe way to earn bitcoins , you will use it in just emergency but don't waste it for nonsense thing like drinking beer , having fun  Wink

The best way to live a stable life is by getting financial freedom, you can achieve that by getting a list of your income and expenses.
From there figure out a way to safe money.
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July 23, 2016, 06:09:44 PM
 #336

I am not that good in managing money, I think that I need to change my ways because it is not a god thing.
Saving and managing your money is a must because you need to have a back up.
Backing up your money is the best and safe way to earn bitcoins , you will use it in just emergency but don't waste it for nonsense thing like drinking beer , having fun  Wink
i dont think it i better to just spend your bitcoins, it is definitely better to save it all and not spend it as it is better to save it as an investment

 
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July 23, 2016, 06:31:33 PM
 #337

To manage money is an art and not much people are good at it. To be good at managing money you have to calculate the income and expenditure and make a proper budget of your income. This will involve good analytical skills.
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July 25, 2016, 02:51:10 AM
 #338

I am not that good in managing money, I think that I need to change my ways because it is not a god thing.
Saving and managing your money is a must because you need to have a back up.
Backing up your money is the best and safe way to earn bitcoins , you will use it in just emergency but don't waste it for nonsense thing like drinking beer , having fun  Wink
i dont think it i better to just spend your bitcoins, it is definitely better to save it all and not spend it as it is better to save it as an investment
That depends on how much you earn in bitcoins or if you source of income is taken in the bitcoin world, if you are solely earning here you have no choice but to spend to sustain your daily living but you also need to set aside an amount of your savings because we always think that the value of bitcoins will eventually appreciate.

 
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July 25, 2016, 07:00:31 AM
 #339

I don't like to manage money s I give it all to my wife as she is much better than me at it. I just try to earn what I can and she does all the taking care of, paying bills and if there is any left by the end of it, investing in gold/silver/bitcoin or other projects.


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July 25, 2016, 07:15:27 AM
 #340

I'm pretty bad at it and I don't make as much as I used to.   But I don't have credit cards so I don't live beyond my means.  I guess I'm not as bad as I used to be.
About the same story here, never been too good with my money but i have been getting better lately. At least my rent is always up to date and bills paid.

I also don't have any credit cards, got 1 sent to me as soon as i turned 18 i think and it went very bad but that was years ago now so i lernt my lesson the hard way on that.

Since my work hours got cut when sales went down a few months ago i have had to survive from paycheck to paycheck.
I actsually have a lot of credit card debt myself and I'm on a pension. I spend more money than I earned. The real thing that screwed me over is maxing out my credit cards. Now I have little money except what I earn here.

This has become the case for most people with credit,debt has suddenly become seen as a good thing because the interest rates are so low.
Once we adjust there will be a generation or two that never knew interest rates could be so high and have never known 15% in their lives.
There is a reason why car companies are getting into the the business of debt,they can make 5 times more money this way.

Yeah interests are so damn high to others that it is almost like robbing you. 15 percent is a lot of money specially when the price is really high. That could be a month salary of one person or more.
That is why credit card is not really advisable if you are good in managing and controlling yourself. You should always think that credit cards are here to tempt the users to spend more than what they can afford to lose.
Having credit card is not bad because you can use it if you need it but limit your spending and you must depend on your salary bracket and  how much  funds youll need to use for a certain needs   so that you wont get overdropped on your bills. Well, im having also difficulty on handling budget its better to give all to my wife.
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