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Author Topic: How good are you at managing your money  (Read 51321 times)
jossiel
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November 01, 2016, 12:02:33 PM
 #841


Having   budget plans  and cost cutting would   really be a  best  idea  to observe your expenses  on a month and as  you mentioned if you saw that  theres a big   expense for some   things  on your budget then thats the  time we would  lessen  it  in order to balance  all expenses and  you would able to save if  you are really good  on managing your money.

Yes indeed, been there done that Smiley

As we know, managing money or your earnings it revolves around a budget. Much better to have a budget planning and plotting future expenses o your overhead. But somes it is our behavior to think how to budget,when do not have funds already Cheesy

We have the same attitude and this is what I am doing in the long run and I'm happy that I am able to call myself as good money manager.

Because I'm valuing the money that I have and budgeting it properly. Just learn to value the money that passes on your hands.

For sure it can help you to be a good manager of your money.

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November 01, 2016, 12:13:45 PM
 #842

I never keep my frugal living habits for long, no matter how hard I try. :-/
I'm bad at saving money, to an extent.  Spend a little, save a little.  Gotta live a little.

I seem to have the same problem with you, I'm not good at saving money, I can just keep a bit of my money and I've worked a couple of months, I had too much spending


Oh, I have that same problem. So I give my money to his wife and she controls them. She turns it much better than me.
his wife? whose wife are you reffering to? LOL ,and yeah sometimes woman could manage money even better than us but there's still a chance that the woman is actually more consumtive,it's depend on these womans' behaviour and characteristic on spending money

 
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November 01, 2016, 12:37:06 PM
 #843

I never keep my frugal living habits for long, no matter how hard I try. :-/
I'm bad at saving money, to an extent.  Spend a little, save a little.  Gotta live a little.

I seem to have the same problem with you, I'm not good at saving money, I can just keep a bit of my money and I've worked a couple of months, I had too much spending


Oh, I have that same problem. So I give my money to his wife and she controls them. She turns it much better than me.
his wife? whose wife are you reffering to? LOL ,and yeah sometimes woman could manage money even better than us but there's still a chance that the woman is actually more consumtive,it's depend on these womans' behaviour and characteristic on spending money

That's true. The managing ability of woman can be clearly predicted from their characteristics of spending. I believe only a very small percentage of woman spend lavishly due to their increased needs and richness. Most others have a adverse plan of spending so to make a good saving.




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November 01, 2016, 12:46:02 PM
 #844

I'm aware of the ways of managing money like keeping a spreadsheet of all the things that you buy, even the cheap ones. Most of us have the tendency to eat much more than we actually need and that's the main reason why we lose so much money. Our body doesn't need that much food to function. There are people out there that only eat twice a day and still live a good life. I stopped overeating when I realize all these facts and now I can use my money in much more useful things.

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November 01, 2016, 08:22:55 PM
 #845

I am getting increasingly better at managing my money, as I get more savings I value them more and and I don't want to risk them in some stupid investment or gamble, I will take bigger risks once my savings are good enough to guarantee that I can be rich in the future. I think 25 BTC is enough to be rich in the next 10 years.
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November 01, 2016, 10:50:27 PM
 #846

maybe if you are difficult to memanegement your money. the money that you have got to be in the store to others so you will not be easy to spend your money. of course, to the people you know
I think the store is easy, you just need a bank account and you only need to save at least 70% of your pay and put the money in the bank. and the rest you can create for shopping

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November 01, 2016, 11:11:38 PM
 #847

I never keep my frugal living habits for long, no matter how hard I try. :-/
I'm bad at saving money, to an extent.  Spend a little, save a little.  Gotta live a little.


As a guide maybe you can start with your budget. With your budget,write all of your expenses and source of income. In a week you can review it and also in every month. There you will find what bigger chunk of expenses go. Slowly you can minimize your expenses and start saving.
That's actually what I've been doing the past 2 months.  Been trying to cut down on spending for restaurants and Friday nights out.
Quote
That's true. The managing ability of woman can be clearly predicted from their characteristics of spending. I believe only a very small percentage of woman spend lavishly due to their increased needs and richness. Most others have a adverse plan of spending so to make a good saving.
Pretty sure it's a fact that women are more organized then men, so yeah
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November 02, 2016, 01:50:38 AM
 #848

Oh, I have that same problem. So I give my money to his wife and she controls them. She turns it much better than me.

 Grin There is nothing wrong with having someone help you manage your money. (As long as you know you can trust them.)

I was awful at managing my money, so I talked with my father and he helped me create a budget.
(Managing my direct deposits from work)

I also talked with my boss and he showed me the spreadsheets he uses to plan monthly bills.


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November 02, 2016, 03:52:16 AM
 #849

Oh, I have that same problem. So I give my money to his wife and she controls them. She turns it much better than me.

 Grin There is nothing wrong with having someone help you manage your money. (As long as you know you can trust them.)

I was awful at managing my money, so I talked with my father and he helped me create a budget.
(Managing my direct deposits from work)

I also talked with my boss and he showed me the spreadsheets he uses to plan monthly bills.



Yeah having someone to help you manage your money will be the best if you're not good at it. I also let my wife do manage our money and in the world of bitcoin I asked my good friend who also doing bitcoin helped me out on how to manage and invest my bitcoins via trading.. it's good to have someone who's more experienced and let them help you on investing your money

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equator
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November 02, 2016, 03:58:16 AM
 #850

Money in the sense Bitcoin if you are asking then, my rules are very simple, what ever i am earning i keep 20% in wallet invested for long term, balance 80% i divide in sports betting, poker gambling, and some balance 30% i convert it to fiat currency as i cannot use bitcoin in our country.
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November 02, 2016, 04:58:10 AM
 #851

Money in the sense Bitcoin if you are asking then, my rules are very simple, what ever i am earning i keep 20% in wallet invested for long term, balance 80% i divide in sports betting, poker gambling, and some balance 30% i convert it to fiat currency as i cannot use bitcoin in our country.
A person like you who knows how to manage his money is what you called a matured person, regardless of our purpose with our money as long as we have a plan to manage it that will be good. In you case, you are supporting the economy since for your 100% earning of bitcoin you only take out 30% of it and just roll most the remaining balance for gambling and investing which is good.
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November 02, 2016, 05:24:56 AM
 #852

Money in the sense Bitcoin if you are asking then, my rules are very simple, what ever i am earning i keep 20% in wallet invested for long term, balance 80% i divide in sports betting, poker gambling, and some balance 30% i convert it to fiat currency as i cannot use bitcoin in our country.
A person like you who knows how to manage his money is what you called a matured person, regardless of our purpose with our money as long as we have a plan to manage it that will be good. In you case, you are supporting the economy since for your 100% earning of bitcoin you only take out 30% of it and just roll most the remaining balance for gambling and investing which is good.

I am also a significant part of fiat money translate into cryptocurrency. I think it is right because my savings in this way protect against inflation. Generally speaking, all its costs and revenues need to record and keep records
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November 02, 2016, 05:29:34 AM
 #853

honestly i am not too good in managing my money since my salary are not too high to budget for savings and expenses, but i think managing money is to separate the percentage of saving and expenses, always net income - savings = expenses.
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November 02, 2016, 05:36:40 AM
 #854

honestly i am not too good in managing my money since my salary are not too high to budget for savings and expenses, but i think managing money is to separate the percentage of saving and expenses, always net income - savings = expenses.

That's hard to do, if you would get the percentage of savings first before the expenses, there will always be a excess in your expenses since sometimes we are trying new things doing an impulse buying... The best trick to that is to divide your net income into four, two parts is for foods which you are going to spend it twice a month,  one part for your bills and one part for whatever things and if none, it will be your savings...  Smiley

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November 02, 2016, 05:47:57 AM
 #855

I can say that I am good at managing money in the short term only. I have yet to have a big savings because each year something comes up that needs to be budgeted upon. For long term, I am only able to save and invest a little. Living in the city doesn't help because expenses are bigger and rent is higher.
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November 02, 2016, 05:48:16 AM
 #856

honestly i am not too good in managing my money since my salary are not too high to budget for savings and expenses, but i think managing money is to separate the percentage of saving and expenses, always net income - savings = expenses.

That's hard to do, if you would get the percentage of savings first before the expenses, there will always be a excess in your expenses since sometimes we are trying new things doing an impulse buying... The best trick to that is to divide your net income into four, two parts is for foods which you are going to spend it twice a month,  one part for your bills and one part for whatever things and if none, it will be your savings...  Smiley

Cool. I havent done that yet since I am just starting a family now. But I will this in my notes and would try to apply it.
Managing money is really hard. Basic needs and bills should be considered plus add the emergency money for anything that might happen. So I think there would really be less money left for buying bitcoin, that means sacrificing the hobby part.

 
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November 02, 2016, 05:55:39 AM
 #857

Money in the sense Bitcoin if you are asking then, my rules are very simple, what ever i am earning i keep 20% in wallet invested for long term, balance 80% i divide in sports betting, poker gambling, and some balance 30% i convert it to fiat currency as i cannot use bitcoin in our country.
A person like you who knows how to manage his money is what you called a matured person, regardless of our purpose with our money as long as we have a plan to manage it that will be good. In you case, you are supporting the economy since for your 100% earning of bitcoin you only take out 30% of it and just roll most the remaining balance for gambling and investing which is good.

It is indeed a good way to allot a certain percentage on savings from our earnings. 20% is already a generous amount for savings. For that, I can say that you are wise enough in managing your money. But for me, I'd prefer to invest my earnings in bitcoin or convert it, than to spend it in gambling and betting. Roll Eyes
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November 02, 2016, 06:05:19 AM
 #858

honestly i am not too good in managing my money since my salary are not too high to budget for savings and expenses, but i think managing money is to separate the percentage of saving and expenses, always net income - savings = expenses.
Yeah its true its hard to manage your money even if you have a high paying jobs its deduct the tax.But im think if you a disciplinary person you can do this.

                       
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November 02, 2016, 07:33:01 AM
 #859

honestly i am not too good in managing my money since my salary are not too high to budget for savings and expenses, but i think managing money is to separate the percentage of saving and expenses, always net income - savings = expenses.
Yeah its true its hard to manage your money even if you have a high paying jobs its deduct the tax.But im think if you a disciplinary person you can do this.
Tax are just a normal thing as we are obliged to pay the right tax when we earn, and that cannot be avoided otherwise we will be having a problem in the future. What we will manage is only the amount left from our income or if you are earning it should be your net pay.

Mine, since I can easily be tempted to spend on my wants so I just let my wife manage the money for the family.

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November 02, 2016, 07:46:19 AM
 #860

I am not an expert in managing my money, but I always invest whenever I have enough funds. So I can pay for things I want and want to do. Also, I always try to use credit as to extend the time before I need to pay for anything.
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