fuer44
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February 22, 2023, 03:20:48 AM |
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Not a wrong concept in saving, but their goals are different. There are those who save for the short term, for example saving from spring to meet winter. Some are saving for the long term, for example they are preparing for their old age. It doesn't mean money can't be used, even if there is a emergency need, the savings will definitely be used if the monthly spending money is insufficient.
Whatever the term we choose, short or long term I think a saving will still define as a money that we set a side for a while, in use for later. Our primary goal on why we save is to secure our future so that we will have a peace of mind but life is unpredictable. We are living a healthy life right now but who knows we might experience a sudden pain which can be life threatening if not treated ASAP? We are now forced to use a portion of our saving to treat it. The same goes if we get into accidents. It's useless if you will save but you won't still use it at the end because you are now gone in this world, unless if the saving is intended to your kids and other family members. This is the correct concept of saving, because no matter how much we save from our youth, the money will definitely be used too. Whether it's to buy a new house, new car, or urgent needs. There's nothing wrong with us cutting the budget for the purpose of saving and that doesn't mean that money can't be used either. Precisely when we don't save our money, we are like "work today to eat today, tomorrow is tomorrow, the future is the future". we as the younger generation must start saving from now on.
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ethereumhunter
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February 22, 2023, 03:35:25 AM |
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The concept of my savings is to have money for urgent needs that we must solve as soon as possible. With savings, I can pay for services so I don't get any delays. That's why I try to save and when it comes to saving in bitcoin, I try to have lots of bitcoins that I can sell when the price is at its peak. It will be profitable if I can sell the bitcoins I have accumulated for some time.
Saving means preparing to achieve our plans for the future and getting ready if we are in a situation that requires money. So it would be better if, from now on, we learn to save.
Saving could really just be having these purposes; 1. Emergencies 2. Investment 3. Time deposits for children education etc.... It is always been that recommendable on having savings rather than finding yourself into a tough situation just because you dont have any funds allocated for these key areas. We know that living doesnt really give out any assurance in speaking on having your own work forever or would be some accidents which might led into huge financial need which if you dont have savings then what would you do? Taking a loan? You would be making yourself putting into much bigger trouble. It is very difficult to rely on taking out a loan because there is a return on the money we borrow after our affairs can be resolved. That's the point of having savings in anticipation of emergencies like that so we don't have to borrow money from other people or other places. Sometimes, borrowing money becomes a shortcut for people but they don't realize that the refund must be returned as soon as possible. There are some borrowers who provide interest for the money we borrow so that our debt becomes even greater. If that happens, we are really in trouble to repay the money because the amount of money we owe is getting bigger and bigger. We definitely don't want to get into such difficult situations so we have to have some spare cash for those emergencies.
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WatChe
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February 22, 2023, 05:32:01 AM |
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This is the correct concept of saving, because no matter how much we save from our youth, the money will definitely be used too. Whether it's to buy a new house, new car, or urgent needs. There's nothing wrong with us cutting the budget for the purpose of saving and that doesn't mean that money can't be used either. Precisely when we don't save our money, we are like "work today to eat today, tomorrow is tomorrow, the future is the future". we as the younger generation must start saving from now on.
Saving is something that goes in a place where you can't access it. The reason why most of us end up spending our savings is because we keep them in our bank accounts, which are under our direct access anytime we want. The best way to save your money is to lock them in your bank (saving accounts) for a specific period. Saving is a habit that must be developed from your childhood and parents have to play there part to teach there kids about this habit.
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Kakmakr
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February 22, 2023, 05:47:24 AM |
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Your savings should be goal driven in my opinion... You can for example say that you are putting $250 a month aside so that you can have a nice holiday at the end of the year... OR you can save $200 a month for "car repairs & tyres" ..... so you basically save to pay for things that you cannot pay for in one month. Some people have long-term savings for their retirement ..and other people have short-term savings for more expensive goals that they have to save for every month. ![Wink](https://bitcointalk.org/Smileys/default/wink.gif)
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Solosanz
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February 22, 2023, 06:04:31 AM |
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Saving is something that goes in a place where you can't access it. The reason why most of us end up spending our savings is because we keep them in our bank accounts, which are under our direct access anytime we want. The best way to save your money is to lock them in your bank (saving accounts) for a specific period. Saving is a habit that must be developed from your childhood and parents have to play there part to teach there kids about this habit.
I really surprised how can someone who hold Bitcoin can say this? are you lend or lock your Bitcoin to centralized platform in order to make you don't have full control over your coins? because you will cashout your Bitcoin if you hold it on your non custodial wallet where you have full control. You need to take a look with recent FTX bankruptcy, it's the best reason why you shouldn't trust any centralized platform and even it's really popular, there's still a chance your money will gone.
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_act_
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Lightning network is good with small amount of BTC
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February 22, 2023, 07:00:46 AM |
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Saving is something that goes in a place where you can't access it. The reason why most of us end up spending our savings is because we keep them in our bank accounts, which are under our direct access anytime we want. The best way to save your money is to lock them in your bank (saving accounts) for a specific period. Saving is a habit that must be developed from your childhood and parents have to play there part to teach there kids about this habit.
I really surprised how can someone who hold Bitcoin can say this? are you lend or lock your Bitcoin to centralized platform in order to make you don't have full control over your coins? because you will cashout your Bitcoin if you hold it on your non custodial wallet where you have full control. You need to take a look with recent FTX bankruptcy, it's the best reason why you shouldn't trust any centralized platform and even it's really popular, there's still a chance your money will gone. I do not seem to get what you are saying, he is talking about bank but you are talking about centralized exchanges, banks are centralized too but they are not the same as exchanges because all of us use bank. People have different means of savings, but he go with the opinion that people should have fixed deposit in a way the money will not be accessible for sometimes so that he will not be able to spend it, there is nothing like centralized exchange or coins that he talked about.
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Silberman
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February 22, 2023, 07:09:17 AM |
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"Are people really having the wrong concept of savings?" This topic and question was triggered earlier this morning after writing on two separate threads where it seems people are already misunderstanding the concept of saving saving according to Google search from Banco Central de la República Argentina | "Saving is the portion of income not spent on current expenditures. In other words, it is the money set aside for future use and not spent immediately." The word "use"(spend) is the key word of concentration because it seems people talk so much of savings as if one isn't supposed to use their saving even until death and I began to wonder what the purpose of saving really is. We ought save money so money will save us and some also say that we out to save for raining days and we should know that out raining days might differ and one should be free to use their savings and not feel they're doing something wrong when using their hard earned savings. What's your concept of savings?
I basically have the same concept about saving, it is important to have some money set aside as a way to help us better deal with unexpected events, now if possible we need to try to avoid touching those savings unless something important comes up, but if it does then there is nothing wrong with using that money since that is the whole reason we have that money in the first place, sadly there are very few people that save any money and when they face those difficult circumstances they have to borrow money from their family or even banks to overcome that crisis.
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Kelvinid
Sr. Member
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February 22, 2023, 07:14:04 AM |
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Well, OP, I would say that there are a lot of reasons when we talk about savings; 1. future preparation when already retired 2. Investment capital 3. Emergency funds
Unfortunately, most of the time people don't see the importance of these but rather enjoy themselves in luxury without even thinking about what will happen if they lost their job. Most of the time people realize it too late when they don't have the capabilities to do savings anymore.
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Minor Miner
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February 22, 2023, 07:37:01 AM |
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Saving is something that goes in a place where you can't access it. The reason why most of us end up spending our savings is because we keep them in our bank accounts, which are under our direct access anytime we want. The best way to save your money is to lock them in your bank (saving accounts) for a specific period. Saving is a habit that must be developed from your childhood and parents have to play there part to teach there kids about this habit.
I really surprised how can someone who hold Bitcoin can say this? are you lend or lock your Bitcoin to centralized platform in order to make you don't have full control over your coins? because you will cashout your Bitcoin if you hold it on your non custodial wallet where you have full control. You need to take a look with recent FTX bankruptcy, it's the best reason why you shouldn't trust any centralized platform and even it's really popular, there's still a chance your money will gone. You need to distinguish between investment and savings, I don't see anything wrong when saving at the bank, the bank is also a concentrated but more reliable organization than a concentrated exchange. I'm curious, are you using the bank? You should not talk badly about it while both your parents and the whole family are still using it daily. If you invest all your assets in Bitcoin and when you had a surprise problem last year when Bitcoin's value dropped 80%, I really want to know how you will handle it.
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Jatiluhung
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February 22, 2023, 08:37:26 AM |
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I think the concept of saving is almost the same for everyone. However, the purpose of saving is different. Savings can even be for the long term or short term. I have several types of savings, namely with different goals. such as for an emergency fund, for one day vacation, and others. but for the future I prefer to invest like in property and currently plus the money set aside to collect bitcoins.
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Mauser
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February 22, 2023, 10:39:23 AM |
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We ought save money so money will save us and some also say that we out to save for raining days and we should know that out raining days might differ and one should be free to use their savings and not feel they're doing something wrong when using their hard earned savings. What's your concept of savings?
For me there are different concepts to saving money that I try to keep seperate as much as possible. First of all I have a long term savings account, which is also my emergency account. All the money I put in there is only to be used in emergencies and never for any things that is not really necessary. And then I have a savings account for ordinary things, like when I need a new mobile phone, laptop or clothes. And the last account is my daily checking account, where I also try to save at least the living expenses and utility bills for the next two months. Each of these accounts are at seperate banks and for my long term savings I don't even use online banking, this all helps me to not use money from one account for the purpose of another. In my opinion we shouldn't use all our money during our lifetime, most of the money in my long term savings account actually came from my grandparents who worked really hard for it. It's fine to take out the interest payments from time to time, but the principarl I will never touch for unnecessary purchases. Like I received money from my family, I also want to leave behind something for my children and grand children.
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WatChe
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February 22, 2023, 11:12:41 AM |
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I do not seem to get what you are saying, he is talking about bank but you are talking about centralized exchanges, banks are centralized too but they are not the same as exchanges because all of us use bank. People have different means of savings, but he go with the opinion that people should have fixed deposit in a way the money will not be accessible for sometimes so that he will not be able to spend it, there is nothing like centralized exchange or coins that he talked about. Thank you for understanding the exact meaning of what I was saying. Some members reply without even reading what other has written. Anyways my point is regarding savings. You can have your savings even in bitcoin but there is some difference in that strategy. Bitcoin price go up and down with time. Unlike banks you (may or may not) have to wait if you are looking to get your capital back. While in Banks cash is available instantly. You need to understand pros and cons of both strategies before making a choice.
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Inwestour
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February 22, 2023, 11:15:58 AM |
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What's your concept of savings?
In my understanding, the main goal of saving, and subsequently investing, is to achieve the amount that will allow you to live on dividends from your investment. Or for your investment to reach that level, when you no longer need to work, because you have enough money for a comfortable life. You should also have some funds set aside for contingencies, but they should not apply to investments and will only be a small part of your funds. We need to learn how to save money and make it work for you, that is, receive passive income. The goal of all this is to achieve financial independence, and after achieving this, do whatever your heart desires!
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▀▀▀▀▀▀▀██████▄▄ ████████████████ ▀▀▀▀█████▀▀▀█████ ████████▌███▐████ ▄▄▄▄█████▄▄▄█████ ████████████████ ▄▄▄▄▄▄▄██████▀▀ | LLBIT | | | 4,000+ GAMES███████████████████ ██████████▀▄▀▀▀████ ████████▀▄▀██░░░███ ██████▀▄███▄▀█▄▄▄██ ███▀▀▀▀▀▀█▀▀▀▀▀▀███ ██░░░░░░░░█░░░░░░██ ██▄░░░░░░░█░░░░░▄██ ███▄░░░░▄█▄▄▄▄▄████ ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀ | █████████ ▀████████ ░░▀██████ ░░░░▀████ ░░░░░░███ ▄░░░░░███ ▀█▄▄▄████ ░░▀▀█████ ▀▀▀▀▀▀▀▀▀ | █████████ ░░░▀▀████ ██▄▄▀░███ █░░█▄░░██ ░████▀▀██ █░░█▀░░██ ██▀▀▄░███ ░░░▄▄████ ▀▀▀▀▀▀▀▀▀ |
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isaac_clarke22
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February 22, 2023, 01:53:09 PM |
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Not always to be honest. It could be just something that you would not touch just for keeps. It's better to have something in your savings at the end of the day even if you don't have to spend into something that you wanted. I am not sure if there are some people that are willing to zero out their savings account just because they had the thought of "you cannot drag your money to your grave". While this is partially true sometimes, you never know when you will need that money anyway hence when people should call their savings ---- emergency funds.
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AnonBitCoiner
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February 22, 2023, 02:33:51 PM |
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The saving technology is very important for the achievement of goals in life. There are lots of individuals who save a part of their income for use in future. there are numerous ways to save income one of them is trading in crypto industry.
Crypto trading save much money as well as also enhance their profits but with advantageous characteristics trading also possess some risky results. If a person select stable coin then chances of losses are minimum but having investment as a whole in single coin which is not stable as Bitcoin so the rate of losses will increasing and there will be possibility to clear all your benefit and get rid of money.
So choosing coin with bright mind, keeping the future of coin in mind will be better act to do.
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| │ | ████████▄▄███████▄▄ ███████▄████████████▌ ██████▐██▀███████▀▀██ ███████████████████▐█▌ ████▄▄▄▄▄▄▄▄▄▄██▄▄▄▄▄ ███▀░▐███▀▄█▄█▀▀█▄█▄▀ ██████████████▄██████▌ █████▐██▄██████▄████▐ █████████▀░▄▄▄▄▄ ███████▄█▄░▀█▄▄░▀ ███▄██▄▀███▄█████▄▀ ▄██████▄▀███████▀ ████████▄▀████▀█████▄▄ | . "I could either watch it happen or be a part of it" ▬▬▬▬▬ |
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virasisog
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February 22, 2023, 02:59:04 PM |
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Saving is necessary but our purpose and perception of it will depend on our way of living. We can save for a target material thing, we can save and spend it for something that we desire in the future, or save for emergency purposes. As long as you are keeping your savings wisely and spending your budget the smartest way, we are still doing the right thing regardless of how we define savings perfectly. Saving as for me is a wise way of keeping a portion of our money for a certain purpose.
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panganib999
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February 22, 2023, 04:02:05 PM |
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Saving is necessary but our purpose and perception of it will depend on our way of living. We can save for a target material thing, we can save and spend it for something that we desire in the future, or save for emergency purposes. As long as you are keeping your savings wisely and spending your budget the smartest way, we are still doing the right thing regardless of how we define savings perfectly. Saving as for me is a wise way of keeping a portion of our money for a certain purpose.
Exactly. Shaming people for not adhering to the "right way to save money" is just pathetic for me. There's a plethora of reasons why one would want to save, it doesn't always have to be to earn a bugatti or whatever Sigma Grindset bs you have been fed by the Algorithm. For me save for whatever purpose you like, whether you want to save money to have more to spend in the future, or to actually save for the future of your family so they'd be secured even when you die, by all means do it. the act of keeping money in itself is a wise move already. People just taint it with bad connotations when they impose their self-ideals.
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Findingnemo
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February 22, 2023, 06:51:16 PM |
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If I am not wrong you had this query after seeing something related to untouchable savings, its different from the savings we do because its done with the purpose of serving financial help for next generation so if you can do afford such trading it is appreciable act and you grandkids may feel little ease due to that kind of savings.
Apart from that we should spend our savings for our needs and avoid spending it for wants.
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redsun114
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February 22, 2023, 07:02:45 PM |
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I don't believe that people have a wrong concept of savings in general, but they can obviously have different perspectives and their own plans with savings. Considering that, someone with a different purpose will think that the other one is wrong if they have a totally different mindset, but at the end of the day, the concept of savings for everyone is only to keep some money somewhere safe for future use, now the use cases of that can differ of course.
For me, I save for multiple purposes, based on what I want to do in the future. I also save some money that I don't plan on using anywhere but just if something comes up unexpectedly which shouldn't put me in a situation where I feel pressurized.
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carlfebz2
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
February 22, 2023, 11:54:44 PM |
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Saving is necessary but our purpose and perception of it will depend on our way of living. We can save for a target material thing, we can save and spend it for something that we desire in the future, or save for emergency purposes. As long as you are keeping your savings wisely and spending your budget the smartest way, we are still doing the right thing regardless of how we define savings perfectly. Saving as for me is a wise way of keeping a portion of our money for a certain purpose.
But there are people who do live into those high standards and even using up their high ego and principles on life when it comes to their promises and plans that they do have in mind on where it might be ending on including that untouchable savings.There's really those people who are really that too damn serious on sticking into their goals which i could say that it isnt really that bad but we know that shit do really happens in life on where situations could really put us up on huge trouble. If we are in need of money, then why not trying out to spend on what you have saved for? This is the main purpose of savings.
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