Cracking the Code of Saving Money...

[terrific]

Before spending, you save.
That's the idea that I've learned from those people that keeps on talking about money matters. They're like the financial advisors and tells advises about money management. It's effective so before you spend your salary, take out already the savings. That's effective when you are pursuing to save but if you're a breadwinner you may have hard time but still, you can follow that strategy. And they always say that it's not about the amount of money you earn but about what you save.

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[lizarder]

We all want to save money, but it's not always easy.
There are so many things that tempt us to spend, unexpected bills that pop up, and it can be hard to make ends meet.

In increasingly difficult economic conditions, it will be quite difficult for people to save unless you have a stable income, even if the figure is small. There are ways to make a savings percentage and maybe one of them is to stop shopping for things that are not really needed and try to save money for daily food needs.

How do you manage to save in a world that encourages spending? Let's talk about it.
Share your ideas, tips, and stories about saving money, and together, we can figure out how to get better at it. (We will also draw valuable lessons from the mistakes and experiences of others

How to save may be much more difficult if someone does not have a fixed and stable monthly income at work. This can influence someone to encourage the preparation of savings for their old age and if the concept of living a life in simplicity is not implemented then saving is a difficult agenda that cannot be carried out consistently. It is better to save small amounts consistently than saving large amounts but not doing it regularly.

[itorai]

Before spending, you save.
That's the idea that I've learned from those people that keeps on talking about money matters. They're like the financial advisors and tells advises about money management. It's effective so before you spend your salary, take out already the savings. That's effective when you are pursuing to save but if you're a breadwinner you may have hard time but still, you can follow that strategy. And they always say that it's not about the amount of money you earn but about what you save.

It is very important to manage finances and learn finances from an early age. I think this will help us in the future for a better future and a calmer old age. because, if not it might be detrimental, as a simple example if we have any amount of money (inheritance) it will run out if we can't manage it. So I think managing finances is important even from an early age, and this will definitely make us calm in old age.

[AnonBitCoiner]

In increasingly difficult economic conditions, it will be quite difficult for people to save unless you have a stable income, even if the figure is small. There are ways to make a savings percentage and maybe one of them is to stop shopping for things that are not really needed and try to save money for daily food needs.

This is true that in such difficult situations we cannot make saving and if we are getting regular salary then there is a hope that we will save some money even if it is small but we can save it. If we have no income source then neither our present will be worse but our future will also he worse therefore one should be engage in double jobs as early as possible because situations are becoming more difficult day by day.

A person should also minimize the use of those things which are not needed whether he has more or less money because if we are buying useless things then it means that we are wasting our money so instead of such wasting we should save that amount for our bright future.

[sekalitas]

We all want to save money, but it's not always easy.
There are so many things that tempt us to spend, unexpected bills that pop up, and it can be hard to make ends meet.
How do you manage to save in a world that encourages spending? Let's talk about it.
Share your ideas, tips, and stories about saving money, and together, we can figure out how to get better at it. (We will also draw valuable lessons from the mistakes and experiences of others.)

It's crucial to focus on what we truly need, rather than impulsive wants. Before each purchase, ask yourself: "Do I really need this?" This way, you can be more selective and ultimately save money by avoiding non-essential expenses.

For leisure activities, I prioritize enjoyment hours and their impact on my overall well-being. Take Baldur's Gate 3 for instance. At $60, it offers over 100 hours of immersive gameplay, something I genuinely enjoy. This long-lasting enjoyment makes it a valuable purchase compared to temporary pleasures. This approach ensures I spend wisely on experiences that enhance my life, both in leisure and productivity 

[YUriy1991]

We all want to save money, but it's not always easy.

If the funds obtained monthly are only enough to meet monthly needs, saving is not recommended. If you have a new advantage in saving, don't let your own needs be withheld, let alone those for your family. The solution to make it easier is to look for additional livelihoods.

How to save may be much more difficult if someone does not have a fixed and stable monthly income at work. This can influence someone to encourage the preparation of savings for their old age and if the concept of living a life in simplicity is not implemented then saving is a difficult agenda that cannot be carried out consistently. It is better to save small amounts consistently than saving large amounts but not doing it regularly.

That's right, sir, not only money management for trading is needed, this also has to be dealt with as well

[franky1]

We all want to save money, but it's not always easy.

If the funds obtained monthly are only enough to meet monthly needs, saving is not recommended. If you have a new advantage in saving, don't let your own needs be withheld, let alone those for your family. The solution to make it easier is to look for additional livelihoods.

those that want to save and then hope spare money just magics into their hand. are not doing the easy route. they are dreaming easy comes to them
the easy route is to visualise your income and expense by planning it before spending.
its far more easy to save if planning at start of month rather than hoping for savings at end of month to just appear

people have needs. but even with needs there is some wiggle room
you need heating. but do you need heating at precisely 17^oc all day and night.
maybe you can find the wiggle room of having heating intermittent or at 15^oc
when in bed have a blanket so you can have heating lowered whilst asleep

you need groceries. but do you need specific brand groceries
maybe you can find the wiggle room of having lesser known brands or smaller portions. or do home made/batch cooking instead of pre-made/fast food

you dont have to go without your NEEDS but you can still try to find savings

yes ofcourse finding extra income helps. but actually look at all options. making a plan, budgeting, writing out your incomes and expenses and actually having all data visualised so you can see all possibilities is far better then just saying "no, i cant budget.. because everything is a need, so i wont even try"

even things like your car. everyone needs transport.
but look at your car costs. do you really need that engine size of a vehicle. whats the insurance. can you downgrade. is there a smaller engine car that has cheaper insurance. do you need a newish model or can you sell it and get a older age model thats recently passed its inspections
by getting a lower size engine your fuel economy can improve (unless your hauling heavy goods/trailers)
also having a older lower engine car you are less concerned about having the fully inclusive insurance package for all eventualities and instead only care about third party accident policy
even look at how much fuel you use per week and how many miles travelled. work out the cost of going to usual places. do you need to go to starbucks everyday, once you have calculated the cost of the full journey+the coffee. or can you make a coffee at home

..
you will be surprised the savings you can make if you add it all up from small savings from lots of little things

[moneystery]

one of the ways i can save money is by reducing unnecessary expenses and as much as possible to create new sources of income to be able to increase my income to be able to save, because if you can't reduce your expenses or don't create new sources of income, it will be quite difficult for you to save for your future.

it is also important for you to be able to manage your finances and not buy things that are too expensive which are not within your means. because sometimes people who have difficulty saving don't manage their finances well and they tend to be wasteful and spend their money on expensive items even though they are just for style.

[lizarder]

This is true that in such difficult situations we cannot make saving and if we are getting regular salary then there is a hope that we will save some money even if it is small but we can save it. If we have no income source then neither our present will be worse but our future will also he worse therefore one should be engage in double jobs as early as possible because situations are becoming more difficult day by day.

It is true that there is no opportunity to save when someone is experiencing financial problems, not having a regular salary will increase the burden of routine expenses, making it quite difficult for people to balance expenses and income. Saving is important as a preparatory step for the future and the problem lies in how ready a person is to make money every month consistently and if this is not stable then saving is a big problem that is quite difficult to solve.

A person should also minimize the use of those things which are not needed whether he has more or less money because if we are buying useless things then it means that we are wasting our money so instead of such wasting we should save that amount for our bright future.

When we have the confidence to save amidst such difficult economic conditions, the step we need to take is to live with simplicity and not spend money on things we don't need. The life we live in this world is a strategy and someone must have a problem formulation that must be solved because otherwise it will be difficult to meet the needs of life amidst rising prices of goods and our income is unstable.

[Farma]

one of the ways i can save money is by reducing unnecessary expenses and as much as possible to create new sources of income to be able to increase my income to be able to save, because if you can't reduce your expenses or don't create new sources of income, it will be quite difficult for you to save for your future.

it is also important for you to be able to manage your finances and not buy things that are too expensive which are not within your means. because sometimes people who have difficulty saving don't manage their finances well and they tend to be wasteful and spend their money on expensive items even though they are just for style.

That's the theory, but it's not easy to do, so I think there's only one most effective way, namely increasing income from other sources so that we can save and still meet our needs.
Not everyone can afford to meet their needs so looking for more money is the solution.
Managing finances is indeed something that is quite sacred in terms of survival and determining the future. This is knowledge that needs to be studied because there are many experiences of other people who will face difficulties in the future when they are unable to manage their finances well.

[Vinaa77]

one of the ways i can save money is by reducing unnecessary expenses and as much as possible to create new sources of income to be able to increase my income to be able to save, because if you can't reduce your expenses or don't create new sources of income, it will be quite difficult for you to save for your future.

it is also important for you to be able to manage your finances and not buy things that are too expensive which are not within your means. because sometimes people who have difficulty saving don't manage their finances well and they tend to be wasteful and spend their money on expensive items even though they are just for style.

If you only have a small income, it will be very difficult to be able to save and also save because the income you earn may not necessarily be able to meet the needs they need, so it is very important to be able to have several sources of income to be able to meet the needs we need and also have savings, because without having sufficient sources of income it is very difficult to manage to meet your needs and save.

Using the income we have on things we don't really need, they only buy them because other people have bought them. Of course this will mean that the income we have will not be enough if we just use it for style, it would be better if we could prioritize what we really need. with what we only want but don't need, if we can separate these two things I think we will be able to manage our finances well.

[terrific]

Before spending, you save.
That's the idea that I've learned from those people that keeps on talking about money matters. They're like the financial advisors and tells advises about money management. It's effective so before you spend your salary, take out already the savings. That's effective when you are pursuing to save but if you're a breadwinner you may have hard time but still, you can follow that strategy. And they always say that it's not about the amount of money you earn but about what you save.

It is very important to manage finances and learn finances from an early age. I think this will help us in the future for a better future and a calmer old age.

Learning at a young age is definitely will help that person grow and will determine his finances and priorities.

because, if not it might be detrimental, as a simple example if we have any amount of money (inheritance) it will run out if we can't manage it. So I think managing finances is important even from an early age, and this will definitely make us calm in old age.

I have heard a lot of stories of inheriting huge amount of money from their parents or grand parents and then they didn't managed to grow it due to them lacking of financial knowledge. And for a fact that even they've got a lot of money, it can be gone too soon when they're spendthrift.

[Fara Chan]

That's the theory, but it's not easy to do, so I think there's only one most effective way, namely increasing income from other sources so that we can save and still meet our needs.
Not everyone can afford to meet their needs so looking for more money is the solution.
Managing finances is indeed something that is quite sacred in terms of survival and determining the future. This is knowledge that needs to be studied because there are many experiences of other people who will face difficulties in the future when they are unable to manage their finances well.

The solution you said could indeed be a good enough solution for everyone who still finds it difficult to manage their finances, but finding other sources of income is also not easy in conditions like now. Because I see that in certain sectors in my surroundings it is still quite difficult for some people to find work, so this has made it difficult for some people to earn more income so that they can manage their finances better. So the difficulty in this case is actually not in how to manage your finances, but in how to get a job that can generate a more decent income in life.