og kush420
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February 20, 2023, 09:28:07 AM |
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My story is rather uninteresting, but let me know yours. Does this idea also apply to you? You could have the money to buy a new car to replace your old and broken one but you prefer not to touch it. Do you hold yourself from spending what you have to the point of depriving yourself of what you deserve? Do you keep significant savings for occasions that might only happen in your imagination? Or at what point would you allow yourself to be drained of your last penny?
Actually, the world is experiencing a very bad period with regard to economic and political events. These two domains are highly influenced by each other, so a person should estimate that everything could happen in this changeable world. Untouchable saving is a much needed thing these days, because as we can see, people might lose their jobs, have a bad accident (like the earthquake in Syria and Turkey), get sick because of a new virus (like Corona) and so on. For me, I have a saving balance which I try to increase every month. On the other hand, I strive to reward myself with something I like to eat/drink when I complete an important job, or when I reach a threshold of earned money, so the balancing between the saving and buying what we like to eat/drink is a good skill, in my opinion, we sometimes need to do what we like in order to maintain good mental status. I am not sure - who are the lucky people who would have a untouched saving.. I dont even hav an emergency fund Because I have a loose hand and a loss mind. and people get money from me and I give it to them
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Obari
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February 20, 2023, 09:39:34 AM |
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at what point would you allow yourself to be drained of your last penny?
At any point I dean it fit because I see no reason for saving and be starving or saving money and be looking tattered not in my field of work because you'll be addressed by the way you dress and compose yourself. I've personally seen saving as a means of scaling through hard times when they come. I think people have been having the wrong concept of savings and that's not right and money is kept aside to be used when the need truly arises without having to bother anyone or seeking for help from someone else. I haven't been in a situation where I truly needed money and having to go through the hard time knowing that I have a savings and yet act like I don't because I know the money was met for such purpose.
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minime0105
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February 20, 2023, 11:15:19 AM |
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at what point would you allow yourself to be drained of your last penny?
At any point I dean it fit because I see no reason for saving and be starving or saving money and be looking tattered not in my field of work because you'll be addressed by the way you dress and compose yourself. I've personally seen saving as a means of scaling through hard times when they come. I think people have been having the wrong concept of savings and that's not right and money is kept aside to be used when the need truly arises without having to bother anyone or seeking for help from someone else. I haven't been in a situation where I truly needed money and having to go through the hard time knowing that I have a savings and yet act like I don't because I know the money was met for such purpose. Saving is very necessary but it depends the level of your income, some people have service during the time of their work and still looks good, one thing is the time to calculate your self and know the particular amount of funds that should go to your service and it will not worry you more during the time of service. But I'm not support of those people who directly continue save their money and be suffering, at least you have to plan yourself not really saving everything you earn in your business without looking nice in appearance
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NotATether
Legendary
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In memory of o_e_l_e_o
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February 20, 2023, 11:50:04 AM |
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I am not sure - who are the lucky people who would have a untouched saving.. I dont even hav an emergency fund Because I have a loose hand and a loss mind. and people get money from me and I give it to them
Well people around you that are asking you for money are like a kind of parasite that feeds on you. Imagine having to support 5-10 adults with 1 salary. Maybe it's doable in the 3rd world if you have a US salary but if it's any other configuration, it's really going to mess up your finances.
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Mate2237
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February 20, 2023, 03:01:00 PM |
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The story apply to almost everybody in the forum and not only few but a large number of that. What happened to the dead bodies is still happening to many people. Some people have enough money but they are not using it some time all because they want to use it for another purpose so even a family member is in need of urgent money to solve the problem they would not release it to the person.
Let me also give you a story. A man was very sick to the extend he could not talk again and finally the man died. And after some months the bank the man was using got the information of his dead and they wrote a letter to the family that the man has $300,000 in his bank account so they sold come and withdraw the money and everyone was amazed. And the first son who happened to be the next of kin did all the necessary documents and the money was transferred to the boy account. All his hustles was taken by another just like the dead bodies in the desert, the bottle water was taken by another passerby.
Many people are hidden their seed phrase to their love ones and when they died all the money is gone.
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Doan9269
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February 20, 2023, 03:12:40 PM |
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I've heard about some people making the complain that they finds it difficult to make some savings without ending up touching from it, but the solution is once you know your personal weakness towards saving money then you need to try adopt a means that could restrict you from having access to that money your saving, you can do so by joining a daily, weekly or monthly contribution, this will also increases your eagerness to wanted to save up in other to meet up among others, it encourages been determined and steady commitment towards having savings.
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Jody.Drummer
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February 20, 2023, 07:10:51 PM |
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I've heard about some people making the complain that they finds it difficult to make some savings without ending up touching from it, but the solution is once you know your personal weakness towards saving money then you need to try adopt a means that could restrict you from having access to that money your saving, you can do so by joining a daily, weekly or monthly contribution, this will also increases your eagerness to wanted to save up in other to meet up among others, it encourages been determined and steady commitment towards having savings.
Yes, I have also heard many people say the same thing as you experienced. If we explore further, we will find a fact that it is easier to collect money every month if we have dependents that we have to pay, for example, we have vehicle payments or something else. Isn't that the same thing? What I mean is when we have a burden, then we will force to do it. So I agree with you that making savings a burden if we find it very difficult when just saving alone, we can join a cooperative or something like that so that we feel we have responsibilities that we have to do. But don't force yourself, because saving is setting aside money that we can set aside.
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bestcoins1
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February 20, 2023, 09:44:01 PM |
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I am not sure - who are the lucky people who would have a untouched saving.. I dont even hav an emergency fund Because I have a loose hand and a loss mind. and people get money from me and I give it to them
And you also don't need to be sure of that, because anyone who has untouched savings also doesn't talk about his assets in public and say he's a philanthropist like you say. If you give money to other people for free without a good reason, it will only look amazing to those who receive it. Whereas those who give it will only get a few words of generosity from people who know it, but more ridiculous in my opinion.
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Fatunad
Sr. Member
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PredX - AI-Powered Prediction Market
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February 20, 2023, 09:51:48 PM |
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I am not sure - who are the lucky people who would have a untouched saving.. I dont even hav an emergency fund Because I have a loose hand and a loss mind. and people get money from me and I give it to them
And you also don't need to be sure of that, because anyone who has untouched savings also doesn't talk about his assets in public and say he's a philanthropist like you say. If you give money to other people for free without a good reason, it will only look amazing to those who receive it. Whereas those who give it will only get a few words of generosity from people who know it, but more ridiculous in my opinion. Sooner or later you would really be realizing that having a savings would be much needed or crucial unless if you do have lots of income source then it wont really be that a problem or having that huge inherited money or simply being rich then this wont be an issue.For those who do earn income on standard way of living then savings is really that important because we dont know on what are the things on ahead. We would really be might able to encounter problems in the future which would be needing huge funds but hopefully now but we know that we cant really able to predict on whats ahead.
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tjtonmoy
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February 20, 2023, 09:59:32 PM |
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My story is rather uninteresting, but let me know yours. Does this idea also apply to you? You could have the money to buy a new car to replace your old and broken one but you prefer not to touch it. Do you hold yourself from spending what you have to the point of depriving yourself of what you deserve? Do you keep significant savings for occasions that might only happen in your imagination? Or at what point would you allow yourself to be drained of your last penny?
I save for the future, but if the reason comes over life or death like emergency, then sure, I will use my savings. We only live once, right? And we save for our future. Then what's the meaning of saving if that future is at risk? But I won't spend my savings on luxury things. If something is working for me just fine, then why replace or change it in the first place? So for me, Emergency situations - I will spend it. Something in order to show off or get something better - No, not a chance. I will work for that till I can afford it, but not with my savings money.
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romero121
Legendary
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casinosblockchain.io
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February 20, 2023, 11:51:28 PM |
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My story is rather uninteresting, but let me know yours. Does this idea also apply to you? You could have the money to buy a new car to replace your old and broken one but you prefer not to touch it. Do you hold yourself from spending what you have to the point of depriving yourself of what you deserve? Do you keep significant savings for occasions that might only happen in your imagination? Or at what point would you allow yourself to be drained of your last penny?
I save for the future, but if the reason comes over life or death like emergency, then sure, I will use my savings. We only live once, right? And we save for our future. Then what's the meaning of saving if that future is at risk? But I won't spend my savings on luxury things. If something is working for me just fine, then why replace or change it in the first place? So for me, Emergency situations - I will spend it. Something in order to show off or get something better - No, not a chance. I will work for that till I can afford it, but not with my savings money. True words, we live only once. What we have earned and saved couldn't help in our need. Then what for is the savings and earnings. At the time of emergency the untouchable fund gets utilised. I don't know how I'm moving forward, because I don't have any savings to meet up unexpected emergency situation. Somehow things were getting managed with what I earn. Looking upon different threads on savings and investment I prefer to allocate something aside for savings, but I wasn't able to do it. Hope I'll build my saving ability then onwards. According to me everyone should know and have something as savings.
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temple
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February 21, 2023, 05:04:13 PM |
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My story is rather uninteresting, but let me know yours. Does this idea also apply to you? You could have the money to buy a new car to replace your old and broken one but you prefer not to touch it. Do you hold yourself from spending what you have to the point of depriving yourself of what you deserve? Do you keep significant savings for occasions that might only happen in your imagination? Or at what point would you allow yourself to be drained of your last penny?
I save for the future, but if the reason comes over life or death like emergency, then sure, I will use my savings. We only live once, right? And we save for our future. Then what's the meaning of saving if that future is at risk? But I won't spend my savings on luxury things. If something is working for me just fine, then why replace or change it in the first place? So for me, Emergency situations - I will spend it. Something in order to show off or get something better - No, not a chance. I will work for that till I can afford it, but not with my savings money. True words, we live only once. What we have earned and saved couldn't help in our need. Then what for is the savings and earnings. At the time of emergency the untouchable fund gets utilised. I don't know how I'm moving forward, because I don't have any savings to meet up unexpected emergency situation. Somehow things were getting managed with what I earn. Looking upon different threads on savings and investment I prefer to allocate something aside for savings, but I wasn't able to do it. Hope I'll build my saving ability then onwards. According to me everyone should know and have something as savings. If someone doesn't know what savings are even good for because they think that you live only once and should therefore consume what you earn, there really is one very good, simple reason: "Stress makes life’s clock tick faster — chilling out slows it down"That quote is from yale.edu. They have researched the impact of stress on the epigenetic clock. That is definitely worth reading, and I assume we all agree that knowing you are financially safe when some accident or unexpected event happens certainly allows people to live life with less stress. The pressure someone feels when the lifestyle is all about consuming today whatever you earn and that something bad happens and you can't afford your bills anymore can be enormous. It can also snowball because savings have a one time effect. You use it, pay for the unexpected cost, and keep going. If you don't have savings and can't pay almost any of your bills, that might get you into a multitude of trouble. Can't repair your car, can't drive to your job, lose your job, can't pay your rent, lose your apartment, can't get another job without an apartment, etc... This is the snowball effect and savings can save you from a one time event turning into a multifaceted problem. I took it to the extreme in my example but I think it gets the message across pretty well. If you have 2,000 USD in savings and you need them for a single event, those 2,000 USD are gone and you might think it is a 2,000 USD loss. But the intrinsic value (real value) of that 2,000 USD "investment" is perhaps much higher than the nominal value.
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tjtonmoy
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February 21, 2023, 07:27:55 PM |
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~snip
This totally depends on person and their situations. You can use your untouchable savings funds, but you need to make sure you don't depend on it totally. There are some situations where you don't have enough and you just need a little bit. You can cover it from your savings, and it won't make that much different. So in this case, you can use it. At least that's what I think. If you are earning enough to cover up your daily life expenses and can also save for the future, then that's a different story. But if you are not making much, then you have no choice but to use it at some point.
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milewilda
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February 21, 2023, 10:03:48 PM |
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~snip
This totally depends on person and their situations. You can use your untouchable savings funds, but you need to make sure you don't depend on it totally. There are some situations where you don't have enough and you just need a little bit. You can cover it from your savings, and it won't make that much different. So in this case, you can use it. At least that's what I think. If you are earning enough to cover up your daily life expenses and can also save for the future, then that's a different story. But if you are not making much, then you have no choice but to use it at some point. As long you do still other ways and methods then as much as possible then you should avoid on spending up your savings on which you would really be using it as your last method or way on solving it out. Whether its up to yours if you would be taking up some loan or would really be just using make use of your savings.This is what intented to be used for and there's no sense on saving up money if you cant really just make use of it.It is really just that a wrong mindset to have that kind of believing that trying out to risk something just because you cant just touch up your savings. it doesnt really make no sense if you do have this kind of approach and decision making and sticking into that dumb idea on mind.
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Coyster
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Crypto Casino and Sportsbook
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February 21, 2023, 11:56:18 PM |
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Because I have a loose hand and a loss mind. and people get money from me and I give it to them
Maybe you should prolly tighten up your hands a bit, not to the extent of depriving your loved ones of really important things, but rather to the extent of ensuring that you have something saved up for yourself and your future. Quite a lot of adults have responsibilities (only but a few exceptions), but i think one should not let their responsibilities deprive them of a good life after retirement, and a solid emergency fund. Having said that, sometimes being selfish isn't really a bad thing per se, if you are not selfish, you might actually be giving out far more than you should, which would definitely take its toll on your expenses. I'd rather be a little bit selfish than exhaust my income on others and turn out to be dependent on someone in the long run.
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Strongkored
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February 22, 2023, 02:02:37 AM |
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Unfortunately I don't have untouchable savings because every cents has their own goals and I think it would look stupid if there were people who still had savings but couldn't even enjoy life properly because they prefer to keep saving it for things that may not even happen and it will look even more stupid if the amount is big and can be used for an activity that is more profitable than just saving it.
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temple
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February 22, 2023, 11:34:10 AM |
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~snip
This totally depends on person and their situations. You can use your untouchable savings funds, but you need to make sure you don't depend on it totally. There are some situations where you don't have enough and you just need a little bit. You can cover it from your savings, and it won't make that much different. So in this case, you can use it. At least that's what I think. If you are earning enough to cover up your daily life expenses and can also save for the future, then that's a different story. But if you are not making much, then you have no choice but to use it at some point. There is no doubt about that. If you have no choice, well, then you obviously have no choice but to use it. ![Tongue](https://bitcointalk.org/Smileys/default/tongue.gif) My response was to the idea that we only live once and therefore should spend whatever we earn right away in order to appreciate life. You are talking about a different story that I completely agree with. Not everyone is in the position to even be able to save money and that is stressful in and of itself. But if someone lives a life without stress not saving any money whatsoever despite being able to save and then gets into deep trouble, that's bad and a lifestyle I would not recommend. Being able to save is a privilege. Being able to spend a lot is also a privilege, but it shouldn't abused to the extent that you forego the privilege of being able to save. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) Hope I made my point understandable.
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alastantiger
Sr. Member
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Crypto Casino and Sportsbook
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February 22, 2023, 01:16:35 PM |
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It's exceedingly rare to have savings that are untouchable in any form. Given the current state of affairs affecting the environment, the economy, and society, it is virtually impossible to have savings that cannot be accessed in an emergency in today's world. Although though it is a prevalent assumption that holding investments for a long time can increase profits, unforeseeable circumstances might still occur and make it difficult to maintain an untouchable savings account open.
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isaac_clarke22
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February 22, 2023, 01:49:52 PM |
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That's hell I can imagine and I would consider moving out by my own and just live on my own. I live in a 3rd world country, and this is quite common to some families and thankfully mine was not like that. Some families would expect their breadwinners to be the only one that works hard and supports them financially and this is why it is not common for some people in 3rd world country to be rich. It was already discussion for quite some time and it is saddening that it is still happening to this day. I hate traditions sometimes.
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justdimin
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February 22, 2023, 02:52:25 PM |
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Unfortunately I don't have untouchable savings because every cents has their own goals and I think it would look stupid if there were people who still had savings but couldn't even enjoy life properly because they prefer to keep saving it for things that may not even happen and it will look even more stupid if the amount is big and can be used for an activity that is more profitable than just saving it.
I both agree with you but also disagree with you, depending on how people live. If I am saving and putting money aside and not touching it and yet I still live a decent life, then it's a good decision. If I am saving and I am very much poor, then it is still a good decision because it could suddenly go up and make me get out of that poverty, spending just a little bit won't help, but investing a lot and getting rich later on could. However, if you are like me, neither in poverty nor rich, and have some money, the nit would be a smart idea to sell some eventually and live a better life instead, could make up the difference between happy life and boring life.
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