Getting things off your list.

[DrBeer]

Very often, we are driven not by reasoned consumption, but by spontaneous desires or under the influence of external influence (advertising, "oh and she says that she bought herself this", "I also need it, I'm cool too," etc.). Oh yes, and also the desire to show oneself a "step higher", to create the appearance of wealth and prosperity
The first can be attributed to painful / obsessive states of uncontrolled consumption, the second to mental problems (complexes). How to deal with this? From a personal example - once in my youth, my wife and I constantly bought things for themselves. We rode around the world - bought, went to a nearby Shopping Center - bought things, saw online sales - bought things. Because we liked them, we could buy, we bought. Then it turned out that in the closet about 50% of the things that were not worn, and will not be worn. We did good and donated it to charities.
At some point, the thought came to me that it turns out that some of my earnings, and my wife, simply go nowhere. So I work, I strain - and this flies away to nowhere. I felt hurt. The conclusion was simple - either start to work less and earn to limit the budget, or ... I did not like the option to earn less The solution was simple - we agreed with my wife, if I liked the thing and just "itching" to buy - then we go to the "cut" and the "adapted" theory of Sakichi Toyoda's "five why". It is called "3 Why". If after 3 answers to yourself you still have a reasoned position why to buy - well, ok, buy. And if not, this amount was transferred to our general dedicated savings card. After a year of experimenting, we had a moderately full closet, and more than enough money to spend a few weeks at a fancy resort, without too much limitation! As a result, it turned out that you can reasonably buy, not throw away unnecessary or not litter the space around you, while forming a kind of financial cushion that used to turn into air!

PS Yes, but this does not mean limiting yourself in everything, saving all income and living on one bread and water! This is another road to nowhere. Often, such people do not have time to use their savings, as they do not have time to live efficiently and fully.

[wxa7115]

Try out this strategy, strike things quickly out of your need/want list and be content, so they no longer become a problem and hindrance to your plans to save/invest.

If you plan to buy a house for your comfort, and it is within your means, seek out a way to get it done quickly.

If you plan to get a car, as you feel you are ripe enough for it, and there's a means to get it, don't hesitate, get it quickly off your list.

if you plan to buy a home equipment, electronics or furniture,  and it is super important to you and your comfort, buy it and get it off your list.

The longer you wait at times, the more prices increase, things are not getting cheaper, the longer you wait the more the thought of this need bugs your mind.

Some of what you're saying is true - the basic idea that making lists is a useful aid (often preached by very successful people) but some of the things you describe are not necessarily right. "Buying a house" for most people requires saving up a deposit that can take years and even then, take a few months to close the sale. It is not something you should rush and is often the biggest purchase that people ever make in their life - not something to be taken lightly at all. Cars and even electronics can be frivolous items in many cases too, you might not need the super high spec BMW or teched out fridge that you first stumble upon so it's worth doing a good amount of research on these big ticket items or you can regret spending too much a few weeks later. List building should be thought of on a much smaller, day-to-day scale, not for these mega items.

Correct, besides there are so many nuances to it that giving general advice about how to buy things like that quickly seems impossible, a house is probably the most difficult item you can buy not only because it is very expensive but also because once you buy it you are tied to that location for a long time.

In the case of any other item you can quickly get rid of them or easily move locations if needed, this is not possible with a house, so if you pick the wrong location because you were in a hurry you will have to live there for a long time before you can sell the house or solve whatever issues you have with the location of the house, so when it comes to buying items with a very high price it is fine to take our time and if that means taking months or even years to take the decision so be it.

[Rufsilf]

The longer you wait at times, the more prices increase, things are not getting cheaper, the longer you wait the more the thought of this need bugs your mind.

It really depends on the type of your needs, and ofcourse it is subjected for availability especially if it's newly released product.
I know, you do have a point about your post that delaying certain needs are bound to much expensive prices. But a delay is also good, take for example if you want or need something about your home equipments or furniture, you need to really weigh it if you really need it or it's just for your comfort or else you'd be buying out of rush even if you can live without it.
And about cars, there's no need to rush about that certain new model because you already knew it's quite expensive, a delay in those things means much because you can save much if you buy it sometime later.

[michellee]

That is why we must have a plan, make a list of what we want to do, and try to get it to step by step. If we can save some money to fill the needs, I think it will help us get what we want. Maybe we can start with the primary things we really need and then move to the secondary things to fill. It will not be a problem if that thing becomes expensive after some time but I am sure we will have another option to select the other things with the same specification. We should adapt to the current situation and manage our money to be useful for our lives.

[Wawa2013]

That is why we must have a plan, make a list of what we want to do, and try to get it to step by step. If we can save some money to fill the needs, I think it will help us get what we want. Maybe we can start with the primary things we really need and then move to the secondary things to fill. It will not be a problem if that thing becomes expensive after some time but I am sure we will have another option to select the other things with the same specification. We should adapt to the current situation and manage our money to be useful for our lives.

In a pandemic situation like now where finding work is difficult, we have to really buy the things we really need. And make it a habit to buy goods
in cash without credit, because if we buy goods on credit, it means we have not been able to buy these goods and will only burden our expenses.
I agree that we really have to have a good plan on how to manage our money's income and expenditure. By making a list of what items we will buy,
then sorting by priority, will help us in managing spending money. Because our money is limited, so we have to manage it well, so we can leave
a little of our income for investment. Suggestions to buy first the items we need, after that we can buy one by one the items we want. Because
it is very important for us to be able to distinguish between needs and wants. The items we need are usually urgent and the items we want don't
matter if we delay buying them.

[Reatim]

That is why we must have a plan, make a list of what we want to do, and try to get it to step by step. If we can save some money to fill the needs, I think it will help us get what we want. Maybe we can start with the primary things we really need and then move to the secondary things to fill. It will not be a problem if that thing becomes expensive after some time but I am sure we will have another option to select the other things with the same specification. We should adapt to the current situation and manage our money to be useful for our lives.

Example if you are planning a Business and you are confident and knowledgeable  about that area then do it instantly , make it a priority and never engage to other thing first because if that business grows high then everything in your front is possible to purchase.
i believe in one thing at a time than multiple tasking without a proper focus.

[michellee]

In a pandemic situation like now where finding work is difficult, we have to really buy the things we really need. And make it a habit to buy goods
in cash without credit, because if we buy goods on credit, it means we have not been able to buy these goods and will only burden our expenses.
I agree that we really have to have a good plan on how to manage our money's income and expenditure. By making a list of what items we will buy,
then sorting by priority, will help us in managing spending money. Because our money is limited, so we have to manage it well, so we can leave
a little of our income for investment. Suggestions to buy first the items we need, after that we can buy one by one the items we want. Because
it is very important for us to be able to distinguish between needs and wants. The items we need are usually urgent and the items we want don't
matter if we delay buying them.

So we agree that we need to buy the items we need because that is what we use daily and after that, we use the other to buy the other items we want or save the money to prepare for the other things we want to buy. The thing in the list can change or modify based on the current situation so we need to have urgent money to prepare just in case we need the money. I am sure if we can manage our funds properly, we will not have a problem while we can also save some money for our future.

Example if you are planning a Business and you are confident and knowledgeable  about that area then do it instantly , make it a priority and never engage to other thing first because if that business grows high then everything in your front is possible to purchase.
i believe in one thing at a time than multiple tasking without a proper focus.

Yes, it is. Focusing on one thing will be recommended rather than focusing on some things that can confuse us to manage. Besides that, that can make our expenses bigger than we expect and that can be over budget.

[Cling18]

If it's necessary and badly needed then I guess it's better to buy it right away without hesitations as long as we could afford it but if there are better and more important things that we should buy first then we should let our wants wait. Saving for it would be the best thing that we can do. Buying our needs more than our wants is still a wise decision.

[GeorgeJohn]

All those things can only be achieved with a strong strategies that will back it up for it come to reality, yes the more you leave things to do the more things is getting expensive, but at least you have to ensure that you have put your money for for a place that it will yield something ease, saving fiat or dumping a currency such as fiat for project without engaged it investment first that will provide like time's two the capital is not encouraging from my perspective, i can say people have different perspective of service via money saving.

[Koro-Sensei]

Try out this strategy, strike things quickly out of your need/want list and be content, so they no longer become a problem and hindrance to your plans to save/invest.

If you plan to buy a house for your comfort, and it is within your means, seek out a way to get it done quickly.

If you plan to get a car, as you feel you are ripe enough for it, and there's a means to get it, don't hesitate, get it quickly off your list.

if you plan to buy a home equipment, electronics or furniture,  and it is super important to you and your comfort, buy it and get it off your list.

The longer you wait at times, the more prices increase, things are not getting cheaper, the longer you wait the more the thought of this need bugs your mind.

Why not invest before buying those things? I think its better to pay rent for houses and invest your money first before buying your own house. Be okay with electric fan rather than air-conditioned unit and invest it first. Ripe your investments first then reinvest until you have the financial freedom. With the right strategy, you can attain these gains and buy all those things you want.

[Wawa2013]

In a pandemic situation like now where finding work is difficult, we have to really buy the things we really need. And make it a habit to buy goods
in cash without credit, because if we buy goods on credit, it means we have not been able to buy these goods and will only burden our expenses.
I agree that we really have to have a good plan on how to manage our money's income and expenditure. By making a list of what items we will buy,
then sorting by priority, will help us in managing spending money. Because our money is limited, so we have to manage it well, so we can leave
a little of our income for investment. Suggestions to buy first the items we need, after that we can buy one by one the items we want. Because
it is very important for us to be able to distinguish between needs and wants. The items we need are usually urgent and the items we want don't
matter if we delay buying them.

So we agree that we need to buy the items we need because that is what we use daily and after that, we use the other to buy the other items we want or save the money to prepare for the other things we want to buy. The thing in the list can change or modify based on the current situation so we need to have urgent money to prepare just in case we need the money. I am sure if we can manage our funds properly, we will not have a problem while we can also save some money for our future.

Many people who already have a steady income but often experience financial problems, it's definitely because they don't manage their
finances well. So no matter how big our income is, we will always experience financial problems if we don't make good financial planning.
I even found some people whose expenses are greater than their income, then finally the person is stressed and has a lot of debt. So make
sure we manage our finances well, so that we can prioritize buying the things we need and can avoid financial problems. Because if we
experience financial problems it will usually cause other problems and if that happens it will destroy our lives.

[Obito]

One thing that I'd like to add is that if it's a want, you really don't have to go real fast achieving that goal because no matter how you look at it, it will always end up with you having to not really benefit from it in the long run, best thing to do would be be to reserve the wants for later. Being content with what you have is already a good thing in my opinion since you won't be chasing the bag harshly which we all know isn't really a good thing to do ever.

[dark1234]

everyone has a desire and what they want will change according to the amount of money they hold. if it is enough then buy it before the desire changes but we also have to be wise with that

[judaspriest]

everyone has a desire and what they want will change according to the amount of money they hold. if it is enough then buy it before the desire changes but we also have to be wise with that

Desire will never end because basically we are sometimes not satisfied with what we already have,
so buy something that really becomes a priority or according to what we need not according to what we want,
indeed things like this are sometimes difficult to control and we need to be wise in making decisions

[michellee]

In a pandemic situation like now where finding work is difficult, we have to really buy the things we really need. And make it a habit to buy goods
in cash without credit, because if we buy goods on credit, it means we have not been able to buy these goods and will only burden our expenses.
I agree that we really have to have a good plan on how to manage our money's income and expenditure. By making a list of what items we will buy,
then sorting by priority, will help us in managing spending money. Because our money is limited, so we have to manage it well, so we can leave
a little of our income for investment. Suggestions to buy first the items we need, after that we can buy one by one the items we want. Because
it is very important for us to be able to distinguish between needs and wants. The items we need are usually urgent and the items we want don't
matter if we delay buying them.

So we agree that we need to buy the items we need because that is what we use daily and after that, we use the other to buy the other items we want or save the money to prepare for the other things we want to buy. The thing in the list can change or modify based on the current situation so we need to have urgent money to prepare just in case we need the money. I am sure if we can manage our funds properly, we will not have a problem while we can also save some money for our future.

Many people who already have a steady income but often experience financial problems, it's definitely because they don't manage their
finances well. So no matter how big our income is, we will always experience financial problems if we don't make good financial planning.
I even found some people whose expenses are greater than their income, then finally the person is stressed and has a lot of debt. So make
sure we manage our finances well, so that we can prioritize buying the things we need and can avoid financial problems. Because if we
experience financial problems it will usually cause other problems and if that happens it will destroy our lives.

The main problem for people who already have a steady income is how they can manage their finances properly. But they can not do that because they think that their expenses still come to them even if they already manage it for every month. Maybe we really need to spend some money on our backup funds just in case, we have an urgent situation that needs money. But we must not use that money for other expenses because that will be a reserve for our finances.

Managing our finances is not easy but we need to practice because we will have more expenses in the future so if we can practice from now on, it will not be difficult when we see the change in our lives.

[Smartvirus]

The main problem for people who already have a steady income is how they can manage their finances properly. But they can not do that because they think that their expenses still come to them

Aside from making some cash, management is one important factor to its preservation. One who lacks management qualities is likely not going to get rich or wealthy for too long. In your bid to satisfy every pressing need or want you could loose a major part of your portfolio. It is said that, your needs grows with you and your achievements hence, there are needs that coincides with your status to keep you in line. Aside from that, the world is everyone for himself and everyone wanting to get what you've got so, securing the means to your satisfaction of what's and needs becomes of real concern.

[michellee]

The main problem for people who already have a steady income is how they can manage their finances properly. But they can not do that because they think that their expenses still come to them

Aside from making some cash, management is one important factor to its preservation. One who lacks management qualities is likely not going to get rich or wealthy for too long. In your bid to satisfy every pressing need or want you could loose a major part of your portfolio. It is said that, your needs grows with you and your achievements hence, there are needs that coincides with your status to keep you in line. Aside from that, the world is everyone for himself and everyone wanting to get what you've got so, securing the means to your satisfaction of what's and needs becomes of real concern.

That is why having a reserve for our funds will be necessary because everyone will have an urgent thing that can come anytime. We do not know when, but it will come right away and if we do not set it from now on, I am afraid that can disturb our plan and use the money that we use daily. Our needs will grow following with the cash flow of our money so it needs more management to manage the funds. If we can manage our money step by step, I am sure that we will pass every problem that we will get from time to time and have a chance to grow our money.

[jaberwock]

Many people who already have a steady income but often experience financial problems, it's definitely because they don't manage their finances well. So no matter how big our income is, we will always experience financial problems if we don't make good financial planning.
I even found some people whose expenses are greater than their income, then finally the person is stressed and has a lot of debt. So make sure we manage our finances well, so that we can prioritize buying the things we need and can avoid financial problems. Because if we experience financial problems it will usually cause other problems and if that happens it will destroy our lives.

My parents are like this, they do have a great income thanks to their smart retirement investments, and even own their own home but they have a huge debt as well and they are spending more than what they have. Not because they want to and they like to, I mean they have some medical bills that they need to pay which makes it hard for them to live but I am sure they could drop their cost of living if they lived a bit smaller.

I am sort of on the same ship as well, I can't say that I am doing amazingly well neither, I have a great income, I am making good amount of money with my work, but at the end of the month no matter how much money I made, I always end up not having too much to spare. I mean I always put up some bitcoin on the first of every month as soon as possible and consider that as a cost, but aside from that even when my income doubled, I managed to still spend it all.

[wxa7115]

Many people who already have a steady income but often experience financial problems, it's definitely because they don't manage their finances well. So no matter how big our income is, we will always experience financial problems if we don't make good financial planning.
I even found some people whose expenses are greater than their income, then finally the person is stressed and has a lot of debt. So make sure we manage our finances well, so that we can prioritize buying the things we need and can avoid financial problems. Because if we experience financial problems it will usually cause other problems and if that happens it will destroy our lives.

My parents are like this, they do have a great income thanks to their smart retirement investments, and even own their own home but they have a huge debt as well and they are spending more than what they have. Not because they want to and they like to, I mean they have some medical bills that they need to pay which makes it hard for them to live but I am sure they could drop their cost of living if they lived a bit smaller.

I am sort of on the same ship as well, I can't say that I am doing amazingly well neither, I have a great income, I am making good amount of money with my work, but at the end of the month no matter how much money I made, I always end up not having too much to spare. I mean I always put up some bitcoin on the first of every month as soon as possible and consider that as a cost, but aside from that even when my income doubled, I managed to still spend it all.

That is called lifestyle inflation and it s very common, if someone gets a significant raise then instead of saving or investing most of it they begin to spend more money as things that previously were thought to be some kind of luxury now are perceived by those people as having become needs.

It is important to watch for this as many people that would have otherwise retired early on their lives have to keep working until their last breath as they cannot control their spending at all, still this does not mean that you should not increase your living standards if you have more money, you just need to avoid to spend it all and also plan for the future by saving and investing.

[Wawa2013]

~

~

Many people who already have a steady income but often experience financial problems, it's definitely because they don't manage their
finances well. So no matter how big our income is, we will always experience financial problems if we don't make good financial planning.
I even found some people whose expenses are greater than their income, then finally the person is stressed and has a lot of debt. So make
sure we manage our finances well, so that we can prioritize buying the things we need and can avoid financial problems. Because if we
experience financial problems it will usually cause other problems and if that happens it will destroy our lives.

The main problem for people who already have a steady income is how they can manage their finances properly. But they can not do that because they think that their expenses still come to them even if they already manage it for every month. Maybe we really need to spend some money on our backup funds just in case, we have an urgent situation that needs money. But we must not use that money for other expenses because that will be a reserve for our finances.

Managing our finances is not easy but we need to practice because we will have more expenses in the future so if we can practice from now on, it will not be difficult when we see the change in our lives.

Good idea, to be able to train how to manage our finances well, can start by setting aside some of our income as a reserve fund. When we suddenly
have an urgent need, we can use the reserve fund, and don't need to go into debt. It is not easy, because often when the reserve funds we collect
are more and more, usually we will be tempted to spend it on things that are not really important. So it is not enough just to train to manage finances,
but we do need to have a strong will from ourselves. That way we can commit ourselves to only using the spare money we collect for urgent matters.
We must be able to start managing our finances as soon as possible, before it is too late and we become in debt.