Having a problem a Personal Finance?

[Mr. Magkaisa]

       -   You, yes, you. Are you tired? Can't make progress? Or every time you move forward, something bad always happens? Are you in a situation where you have to start from scratch again? Where does your problem start? in money? Why do you always have no money? Is it because of your responsibilities for your family or because you just don't have spending discipline? It is important that you know what the root of your problem is? Maybe the reason you are not making progress is because you spend a lot, so every time you have an emergency, you move your savings? Or sometimes you can borrow a cape. How to handle money What is real personal finance? What do you have to do to learn it? There are some things that can help you in this matter, and some of them are:

[a.] Read books related to personal finance.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

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[Don Pedro Dinero]

I agree with [a], and with [c] but depending on which videos. However, I disagree with b. This forum is not a good forum to learn about personal finance. There are some tips that are good but they tend to be hidden in a bunch of rubbish comments in threads on many pages.

To learn about personal finance it is better to go to a forum that specialises in the subject. A good one in Spanish would be rankia.com.

[virasog]

       -   You, yes, you. Are you tired? Can't make progress? Or every time you move forward, something bad always happens? Are you in a situation where you have to start from scratch again? Where does your problem start? in money? Why do you always have no money?

Are these problems really related to finance    Finance problems happen when you have enough money but you are unable to manage it properly.

If you are unable to make progress in your current job role or business and if everything to try turns out be against you, then it is not the financial issues but rather it is something related to your skills which you are not competent at or perhaps you do not know how to run a particular business and always end up in a loss.

[joniboini]

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

Most tips shared around here are related to how to secure your crypto. I don't think you'll learn how to manage your finances like how much you should allocate your money for saving and investment unless you're fine listening to some random user opinion. Just a few days ago somebody replied to a thread saying that they should never sell their Bitcoin until the price hit $150k or more. Are you sure that is a good advice? There are tons of other suggestions like this. I'd rather not use this forum as my primary source for financial learning.

[Helena Yu]

a. Books related to personal finance is only work for people who're already have a stable job or have a lot money, if you only read books when your job only pay less, there's no point to reduce your daily spend or try to start investment.

b. Bitcoin is one of an asset to invest, many people can become rich without Bitcoin.

c. Inspiration and motivation can give an impact, but it's pointless if you're always watch this kind videos. Start to learn a new skill and also start minimalist life style.

[Abu-Naim]

[a.] Read books related to personal finance.

It is not everyone that will have that time to read such books; some people's problems do not give them time to read books because they do not take the time to read them, and only people with financial stability could benefit from what the book is sharing.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

Bitcointalk forum is a place where you can learn and relate with others to bring an end to some of your problems, I am sure it can help in solving your financial problems.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

Some videos can give motivation and inspiration while watching them.

[xSkylarx]

       -   You, yes, you. Are you tired? Can't make progress? Or every time you move forward, something bad always happens? Are you in a situation where you have to start from scratch again? Where does your problem start? in money? Why do you always have no money? Is it because of your responsibilities for your family or because you just don't have spending discipline? It is important that you know what the root of your problem is? Maybe the reason you are not making progress is because you spend a lot, so every time you have an emergency, you move your savings? Or sometimes you can borrow a cape. How to handle money What is real personal finance? What do you have to do to learn it? There are some things that can help you in this matter, and some of them are:

[a.] Read books related to personal finance.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

We can also include staying in our comfort zone because most of us right now are on low income or low wages, and even finding another source of income is difficult. That is why they are having problems financially because they can't find another source of income or are scared of taking risks like finding another job with a better salary or having multiple jobs because they are scared of sacrificing things. Though again, we do have our own reasons. Right now, I can't relate to having enough money and having problems on how to spend it. I always have problems because, no matter what I do, I always come up short or just enough.

[jrrsparkles]

Maybe the reason you are not making progress is because you spend a lot, so every time you have an emergency, you move your savings? Or sometimes you can borrow a cape. How to handle money What is real personal finance? What do you have to do to learn it? There are some things that can help you in this matter, and some of them are:

[a.] Read books related to personal finance.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

This is the curse of being a middle-class person, You know what you need to do but there will always be some hurdle, restriction, catch, etc. Even if you control your spending habit to only things that are very essential still you will not solve the problem unless you make some changes in your life which gives more income than you are actually saving. If you are making a fixed income every month but due to inflation the cost of your living may be gradually increasing due to the inflation but your income such as salary will not be increased according to that, especially in developing countries.

a) Reading books related to finance may give an idea about what you can do but most of them are theoretically possible not in a realistic way for most of people.

b) Bitcointalk is a place where you can learn collectively about money but it's not really a place to get financial advice.

c) Watching inspirational videos will never change anything unless you implement it in your life.

[dothebeats]

I completely agree with a and c, but with b I'm not so sure about. For letter C, it still depends, and should be careful regarding what videos to watch and who are the proper people to surround yourself with. Lastly, the thing with b is that the forum can get pretty opinionated so unless there are sources listed then I suggest doing your own research yourself.

[Fuso.hp]

If we cannot progress in life, there is no point in blaming fate, instead we have to find out why we are not able to move forward, why we are prevented from moving forward and back again. The life of many people is irregular and the responsibility of the family is on many people because of all these things, maybe there is an obstacle for many people to move forward. How can we move ahead if our expenses are more than our income or if the entire family depends on you and you have to bear all the expenses of the family then it will take a long time to reach your goal. If we have a family responsibility then we must wait for a good time and be patient to fulfill that responsibility only then we can reach our goal.

[bluebit25]

I also have to admit that now compared to the time before, my finances are not stable right now, but I have a solution to every problem, the hard or the bad things will pass soon. If we continue to try harder, in the past I also had a time when I was unemployed and had to fall into difficult circumstances, and at such times I appreciate and appreciate the value of money more.

True about the life story in the current world money is very important but it should not be considered everything, as I know it is a connection, knowledge development, health, spirituality, .. and then money will come as a matter of course with the living capital that we have. I also realized that when we become balanced, we see things more clearly, so it is always necessary to keep things in balance, life has many different nuances and if we If we have not experienced it and realize it, the lesson continues to repeat itself.

[lovesmayfamilis]

How easy it is to be successful. We only need to read books and hang out on the forum, reading about such topics, so that we finally have money.
Your post, OP, looks like a motivational video from YouTube; maybe you came from there? Or have you read all the books by Brian Tracy?
All this is certainly beautiful, especially in the morning with a cup of coffee. But sitting for days on the forum and reading motivational posts will not add a penny to the wallet. In order to have money, you need to work, and it is better that there are no friends and relatives who lend a shoulder every time a person is left without money. It is at such moments that people who do not know how to build their own budget and live according to it begin to think not only with the thoughts of motivational speakers but also with their own heads.

[Nwada001]

There is a difference between having money and not being able to manage it properly, not having any at all, and always being broke and needy all the time. Those two are different issues that should be addressed differently.

For someone who always has money but always finds it difficult to manage it because they give so much concern to their wants rather than just making their needs their top priority and learn how to manage their funds properly in order not to run into some kind of financial difficulties, those kinds of people need your option (A) in order to be able to learn and upgrade on their level of financial thinking.

As for those who do not always have money, they should focus more on how to make the money they don't have rather than just always complaining without doing anything. But I think the solution to the problem is not included in any of your suggestions, as what they need is a paying job and not financial advice or any sort of stuff that will help them manage their finances.

[michellee]

Why are there so many personal finance questions? If you are already experiencing financial problems, you really have to learn to handle your finances. Otherwise, you won't be able to handle your finances well and everything may run out when you already have money.

I make notes about any expenses that might exist this month and write down the amount of expenses. Before I use the money, I'll take 5%-10% to my bank account as a reserve fund and take the same percentage or less to invest in Bitcoin.

And record every expense that I have made while ticking what I have done. Until the middle of the month, I still have money to continue what I haven't done. And usually, until the end of the month, I still have money left that I can use as extra for the next month.

It will be useless if you don't practice for the [a] and [c]. Every time you train, you learn to manage your finances. The longer you practice it, the more you will get used to it and know what you do to manage your finances. As for , you don't need it because this forum does not teach you how to manage your finances. What you need is practice to manage finances.

[BRINIRHA]

[a.] Read books related to personal finance.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

I prefer to build inspiration and motivation by reading books that contain inspirational stories in financial life. When we already have high motivation and inspiration, usually our thoughts and ideas in finance will also be open.

Furthermore, to open our minds so that we can have good financial ideas is by hanging out with successful people. Well we can get a lesson from the talk of those who have had success. We can learn from them. even they can be a good relation for our business.

And being more active in economic forums is also a good thing to do. As long as we also know the basics of economics. So that we can filter suggestions that sometimes cannot be applied to everyone.

[Eternad]

Find a profession that will suit well on your skills because this works perfect on me. Having a nice job that pays me well while I love what I’m doing is my key to have a financial freedom.

Most of the people that have a problem on personal finance usually doesn’t get enough from their salary while their expenses is too huge to be absorbed by their income. Reading books is good but you will still need to determine what you are good at to make sure that you are studying the right topic that will boost your finance.

I think you should add find a decent job that suits to your career. You will never have a financial problem if you have a hood source of steady income.

[Doan9269]

I will always want us to deliberate precisely on other constraints affecting our financial economy which we are not giving adequate attention, some problems are personal challenges from the individuals, some lack good organizations, orientation, adaptability, resilient, foresight and other skills and technical knowledge of finding solutions where applicable in an economy and if this is not achieved as desired, it will definitely affect our finances in what we do to earn a living and meet up with demands,

[rat03gopoh]

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

Not all financial tips can work for someone's problem. Bitcointalk is a pseudonymous forum, without introducing your preferences, you can also give theoretical tips as if you were a financial expert. But how come people expect practical tips, without you knowing the level of someone's problem may be worse than you think.

[Marvell1]

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

Most tips shared around here are related to how to secure your crypto. I don't think you'll learn how to manage your finances like how much you should allocate your money for saving and investment unless you're fine listening to some random user opinion. Just a few days ago somebody replied to a thread saying that they should never sell their Bitcoin until the price hit $150k or more. Are you sure that is a good advice? There are tons of other suggestions like this. I'd rather not use this forum as my primary source for financial learning.

There are still a lot of non-crypto related topics discussed on the forum but the opinions shared here are mostly the feelings and thoughts of each person. There are even people who have never experienced it and have no knowledge of it, but they still make silly opinions and try to justify that it is true. I still enjoy being active on this economy board as there are also quite interesting topics but to be honest, there aren't too many good tips shared here for me to learn and apply. If we want to discuss economics and finance, the forum is not the ideal place.

[hyudien]

[a.] Read books related to personal finance.

[b.] Always hang out here on the Bitcointalk forum; you can see and learn a lot from this platform.

[c.] Watch videos that can give you inspiration to become better. And mingle with people who have a positive outlook on life.

Often I hear motivators who claim to be on behalf of someone who has achieved more success than anyone else in financial matters. But in fact living up to the points you mentioned is not as easy as writing on paper. The reality of various people's problems cannot be summed up just by reading books and watching motivational videos. Do you just watch or read financial motivator books? but forget to face the real conditions in the environment. That is the root of the problem, always daydreaming about other people's careers and success but not developing potential that can actually be put to good use.

Focus on sweet words, even though the process that goes through between you and other people is very different. For example, you come from a rich family and then become a motivator so that other people follow the process you are going through, until whenever it will not materialize.