bestcoins1
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January 09, 2023, 02:08:09 PM Merited by capedbaldy (1) |
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The low salary they get does not allow them to allocate money for savings, after inflation in some countries but the government does not increase the minimum wage for workers so that the salary is only enough for monthly needs to survive, so they have to find alternative jobs for savings and now many jobs for couriers and online driver jobs that pay higher than normal jobs.
There is nothing wrong with working as a courier or online driver at this time because with the increase in shipping companies in several countries, new opportunities have opened up for workers who are looking for additional work to achieve a better income. But jobs such as couriers or online drivers always make everyone bound for each day so they also can't do two jobs at the same time every day even though the salary at the shipping company is slightly higher than the salary of ordinary employees in other places. saving some of the funds is very important. One should try to save as much as one could. And finding a side hustle and alternative jobs is very important. I have stopped all my entertainments and started saving all my hangout and dining out funds.
Saving is one way to fight poverty in yourself because it is something that will really help yourself when one day you need more money as soon as possible. So it is very feasible to look for additional work so that someone is always far from poverty or distress because they do not have enough money for their life. But everyone also needs to see another job that is more suitable for himself so as not to disturb himself with the main job he has been doing for years.
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salad daging
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January 09, 2023, 04:38:42 PM |
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Haha, if i earn up to $3000 after tax in my country, I am sure that I will able to safe up to $2000 monthly even as a family man that I am, Saving is easy, but most times, we are the ones that make look like a big deal.
If for example i earn $500 per month and i am still able to save $200 after all the expenses as a family man, earning $3000 per month means i can still save up to $2000 or $2500 if i want to,
How is this possible?
Its simple, Don't introduce or bring in new expenditures just because you now earn higher, just continue to maintain the previous expenditures, its not easy but discipline yourself to do it, at least, until you have saved more than enough.
With a salary of $ 3000 per month that is big enough maybe we can save more if the income is big like that but it is difficult to reach for me with a high salary but it will make it easier for us to win and the investment that generates income every month. I can't imagine just 1/2 of it being saved/invested is more than enough and the rest is for family needs with expenses that can be managed even better, maybe for rent payments etc it won't reach $1000 and there is still some left over for other needs so obviously with big income it will be easy for us to talk about managing it. LOL but its hard to get. ![Cheesy](https://bitcointalk.org/Smileys/default/cheesy.gif) It's just that with any monthly income, we must be disciplined in order to be able to share between investment and expenses as the head of the family.
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Sterbens
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January 09, 2023, 05:10:46 PM |
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If I am one of the people who wages 3000$ monthly, I could save probably around 1500$ every month. And I could live progessively. Aside from that, I can also give support to my parents as well aside for my own family being as a Family man.
So 1/3 is just very easy to apply monthly as an employee to separate it as a savings, it is true that's not hard to do it anyway.
Theorizing will be easier than direct practice. I have several friends who also said the exact same thing as you said, yes, before they had income they said that they would be able to set aside from their work (from the average salary in my country). But in reality in the years they've been working, they can't do that. Maybe they have items like vehicles that they didn't originally have. However, it seems that saving is not that easy for them to do, and they also often complain that it is difficult for them to save due to certain circumstances. I'm not here not believing that you did that, but my point here is that doing it will be more difficult for several reasons that I see from my friends.
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doomloop
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January 09, 2023, 09:26:22 PM |
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Wow... If I earn $3000 of income and still be 20 years old, that is already a very big achievement in my country even maybe it is almost the same as my father's income for 10 months working. But maybe what OP meant was more precisely saving to invest regardless of income because basically the minimum wage for each country has its own variance according to regional standardization. Now I may not be able to get a steady income for a month but I can still save even though it's not 1/3 of my income because for me if you want to get better, no matter how small the money you invest, if you do it continuously, you will get the expected return.
Basically, 18 years old is the standard legal age, so if only you start applying for work and get your own job at this age, then you can be able to save up even above 3k dollars for 2 years of working or by the time you hit 20 years old. You shouldn't also under estimate the income of your father. So, what if he took him 3 months of working only to earn it? What is still important is that the source of money is clean and not came from doing illegal activities. What is you current job now by the way? Maybe you are only relying in cryptos. It's normal that it won't be stable but you can try to look for a real job outside, if you want something stable.
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milewilda
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January 09, 2023, 11:24:22 PM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
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dothebeats
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January 09, 2023, 11:38:44 PM |
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It isn't hard if you're living alone, but it becomes a problem when you have a lot if mouths to feed and bills to pay. Saving isn't for everyone obviously, and before you can start to save you need to have some form of safety net in the event that your salary won't allow you to pay all the bills and put some food on the table. This is why a lot of people nowadays opt to take two jobs just to get by. After everything is paid for, there still wouldn't be enough to keep as a decent savings. Just imagine getting $4000 a month, and $2500 already goes to bills and rent/mortgage, how can you live off of $1500 for food and transportation with a family of 4? That's not including education funds too.
If wages can br increased then perhaps we can encourage a lot of people to save. But in reality, even single people cannot live off of minimum wage and still have some decent money left for anything that they want nowadays.
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Fatunad
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January 10, 2023, 10:59:10 PM |
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It isn't hard if you're living alone, but it becomes a problem when you have a lot if mouths to feed and bills to pay. Saving isn't for everyone obviously, and before you can start to save you need to have some form of safety net in the event that your salary won't allow you to pay all the bills and put some food on the table. This is why a lot of people nowadays opt to take two jobs just to get by. After everything is paid for, there still wouldn't be enough to keep as a decent savings. Just imagine getting $4000 a month, and $2500 already goes to bills and rent/mortgage, how can you live off of $1500 for food and transportation with a family of 4? That's not including education funds too.
If wages can br increased then perhaps we can encourage a lot of people to save. But in reality, even single people cannot live off of minimum wage and still have some decent money left for anything that they want nowadays.
Yes, on the time that you do have some mouths to feed then it would really be hard for you to save up and you would really be prioritizing those who are in need specially your family and this is the sad truth. You wont be minding if you do have some savings as long you do make your family do able to eat for a particular day and this would really be your priority rather than on having a savings. So we cant really blame out people for them not to save up because this is situational and there are things which we cant really be able to stop or to avoid and that what makes the situation hard.
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Fredomago
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January 12, 2023, 07:56:13 AM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
Other sources of income can give you that chance to save more, but the concern of having too much expenses means that you won't be able to work with it, unless you can really take things seriously and plan all your expenses, most of the time there are emergency that you need to use your save money, things that is not part of the plan but it happen and there's nothing that you can do.
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macson
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January 12, 2023, 10:25:09 AM |
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If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50 on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
many people don't realize that what they have to do to achieve financial freedom is to increase their income and that can only be achieved if someone is willing to do a lot of side jobs. i myself am able to save more than $ 1k / month (already deducted my expenses/month) because i have many sources of income, besides that i also have my own home and i get this money from a lot of work that i do. when you are still single, it is at a time like that that you have to learn about financial management so that you are not surprised by the costs that you will have to incur when you are married later (to be honest, many unexpected expenses will arise). but rest assured that as long as you and your partner stay in one vision and mission then all the obstacles that arise in your new little family will be completed easily.
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og kush420
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January 14, 2023, 08:21:47 AM |
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If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50 on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
many people don't realize that what they have to do to achieve financial freedom is to increase their income and that can only be achieved if someone is willing to do a lot of side jobs. i myself am able to save more than $ 1k / month (already deducted my expenses/month) because i have many sources of income, besides that i also have my own home and i get this money from a lot of work that i do. when you are still single, it is at a time like that that you have to learn about financial management so that you are not surprised by the costs that you will have to incur when you are married later (to be honest, many unexpected expenses will arise). but rest assured that as long as you and your partner stay in one vision and mission then all the obstacles that arise in your new little family will be completed easily. during this time when inflation is high it is so hard to save particularly when there are other people attached with your as well. I try to hard but I never got a chance to do it. But this brings be depression and anxiety to an extreme
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Cryptock
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January 14, 2023, 09:09:35 AM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
Other sources of income can give you that chance to save more, but the concern of having too much expenses means that you won't be able to work with it, unless you can really take things seriously and plan all your expenses, most of the time there are emergency that you need to use your save money, things that is not part of the plan but it happen and there's nothing that you can do. sometime you work so hard and the money you save goes in the pocket of scammer and looters in no time. It happened with me too - in fact I didn't have have money but the scammer fooled and tricked me. It been a year now but I can't forget what has happened to me. I don't feel like saving much.
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Hamphser
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January 15, 2023, 11:42:21 PM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
Other sources of income can give you that chance to save more, but the concern of having too much expenses means that you won't be able to work with it, unless you can really take things seriously and plan all your expenses, most of the time there are emergency that you need to use your save money, things that is not part of the plan but it happen and there's nothing that you can do. sometime you work so hard and the money you save goes in the pocket of scammer and looters in no time. It happened with me too - in fact I didn't have have money but the scammer fooled and tricked me. It been a year now but I can't forget what has happened to me. I don't feel like saving much. Its not the end of the world because even if you've been scammed doesnt mean that you shouldn't save.Just take those things as a lesson for you and move on.Thing here is that you do really make yourself wise and wont really be able to commit on the same mistakes ever again since you are already that fully aware.Just continue and save up because its not really just meant for investment purposes but also for emergencies which we know that this is really that crucial for someone to have that kind of savings which you would really be that needing up if time comes. Saving up is hard if you do have that ample amount of income source but if you do really meant or really that eager on saving up something then you would definitely do that without any problems because it would really be just be done even on small amounts but at least you had made out some action.
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Savemore
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January 16, 2023, 11:19:04 AM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
Other sources of income can give you that chance to save more, but the concern of having too much expenses means that you won't be able to work with it, unless you can really take things seriously and plan all your expenses, most of the time there are emergency that you need to use your save money, things that is not part of the plan but it happen and there's nothing that you can do. Being aware to your cashflow can help you manage your fund. If you know how much money that is entering your cashflow and the money going out from your cashflow; it can help you to make a better financial decision. If you have a high lifestyle, saving one third is not possible and that's why I preach to have a lifestyle that can help you to save more than 60% of your income that you can use to invest it not only in assets but also in yourself that can help you to make more money. Right now, I'm saving the 70% of my income and I put it on my investment where I can reap it in the near future.
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Cryptock
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January 16, 2023, 01:46:12 PM |
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When you are in a situation which you do have a family and the expenses are really that big due to lots of children then it would really be that hard to make up some savings. I do know someone who is really that reliant with his crypto earnings which is surprising and its been several years on which he had able to make money still despite on having no job physically.It might really sounds easy to say that saving up some one third of your income but its actually that hard for it to be done when you are on such situation. Unless if you do have other sources of income then it would really be able to patch up.
Other sources of income can give you that chance to save more, but the concern of having too much expenses means that you won't be able to work with it, unless you can really take things seriously and plan all your expenses, most of the time there are emergency that you need to use your save money, things that is not part of the plan but it happen and there's nothing that you can do. Being aware to your cashflow can help you manage your fund. If you know how much money that is entering your cashflow and the money going out from your cashflow; it can help you to make a better financial decision. If you have a high lifestyle, saving one third is not possible and that's why I preach to have a lifestyle that can help you to save more than 60% of your income that you can use to invest it not only in assets but also in yourself that can help you to make more money. Right now, I'm saving the 70% of my income and I put it on my investment where I can reap it in the near future. Saving is important - but for me saving a one third of the money is not even possible. I am so bad at it - I try doing it and fail all the time. Neither do I have an emergency fund.
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sovie
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January 16, 2023, 05:57:06 PM |
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It isn't hard if you're living alone, but it becomes a problem when you have a lot if mouths to feed and bills to pay. Saving isn't for everyone obviously, and before you can start to save you need to have some form of safety net in the event that your salary won't allow you to pay all the bills and put some food on the table. This is why a lot of people nowadays opt to take two jobs just to get by. After everything is paid for, there still wouldn't be enough to keep as a decent savings. Just imagine getting $4000 a month, and $2500 already goes to bills and rent/mortgage, how can you live off of $1500 for food and transportation with a family of 4? That's not including education funds too.
If wages can br increased then perhaps we can encourage a lot of people to save. But in reality, even single people cannot live off of minimum wage and still have some decent money left for anything that they want nowadays.
True - if you are living alone and your dont have a bunch of loser friends who thinks since you are alone and single so you have not responsibility but to buy them food and cinema ticket all the time - I am alone but I have a bunch of loser friends - who have been stealing my things and money and I am so looser that I didnot know what is happening with me.
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lizarder
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January 16, 2023, 06:49:05 PM |
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If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50 on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
Whatever amount of money you can save, if placed correctly it is sure to generate a suitable return. In some countries, $1,000 is considered a large amount to save or invest, because each country has a different exchange rate. If $1,000 invested in bitcoins regularly and consistently will bring you great returns, many people even make investments far less than the money you have saved. So it can be said that that much money would be quite appropriate if placed in an investment in bitcoin, but the rest depends on how a person places the money they have, but for me the steps to buy bitcoin slowly are much better, because if done regularly over time it will become big.
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Desmong
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Crypto bookmaker and casino
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January 16, 2023, 08:31:29 PM |
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Not is not that hard not when you have a lots of bills to pay. There are some people that would love to make savings buy with the way things are going, life is becoming more difficult since salary of workers is not increasing and the price of food is increasing everyday so we need to be more vigilant to do and put more effort in what we do so that we can live a god lifestyle.
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keyscore44
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Merit: 1016
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January 16, 2023, 08:43:11 PM |
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If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50 on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
Whatever amount of money you can save, if placed correctly it is sure to generate a suitable return. In some countries, $1,000 is considered a large amount to save or invest, because each country has a different exchange rate. If $1,000 invested in bitcoins regularly and consistently will bring you great returns, many people even make investments far less than the money you have saved. So it can be said that that much money would be quite appropriate if placed in an investment in bitcoin, but the rest depends on how a person places the money they have, but for me the steps to buy bitcoin slowly are much better, because if done regularly over time it will become big. good calculation - I am very poor in saving funds - I suffer so much since I am the sole breadwinner. The money management has given me so much crisis and ups and down in my life. I wish I can save some money and make it my habit and my monthly ritual
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milewilda
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January 16, 2023, 10:29:42 PM |
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If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50 on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
Whatever amount of money you can save, if placed correctly it is sure to generate a suitable return. In some countries, $1,000 is considered a large amount to save or invest, because each country has a different exchange rate. If $1,000 invested in bitcoins regularly and consistently will bring you great returns, many people even make investments far less than the money you have saved. So it can be said that that much money would be quite appropriate if placed in an investment in bitcoin, but the rest depends on how a person places the money they have, but for me the steps to buy bitcoin slowly are much better, because if done regularly over time it will become big. good calculation - I am very poor in saving funds - I suffer so much since I am the sole breadwinner. The money management has given me so much crisis and ups and down in my life. I wish I can save some money and make it my habit and my monthly ritual When you are a breadwinner then it would really be that hard for you to save up and we are on the same situation on which you could hardly even ending up on having a savings or extra money just because there's something that you do need to spend up or shall we say its part of expenses which it would really be just normal that you should prioritize them for you to continue even if you dont really have the time on extra money that you would be saving up.Its not really that hard if you are really that serious on saving up but there are instances which leaves you no choice but to deal with it. Saving up would really be totally different into each other because we do have different financial situations or capabilities.
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STT
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Exchange 250+ Coins With 0% Fees
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January 16, 2023, 10:42:00 PM |
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Its hard to live on far less in a totally disciplined way sure it is. Also there is little encouragement to do so, we are living in a consumer society and many will look down on you for not keeping up with your colleagues or friends in their spending on various things. You may be restricted in socializing by doing so, I'd say the majority will never do this or consider it a failure even. The closest people get is when saving for a house I think, just temporary and then back to norm of full spend.
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