Take care of your money and learn to save.

[odunybiz]

People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance.  

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well.  

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.

Spending carefully is one of the key way to financial freedom. Building wealthy is different from being rich. You can get rich within a second (imagine you won a huge amount of money from gamble) and become poor after few months if money isn't spent well. There are people like that in this world that spend lavishly any money that comes there way. Building wealth is all about thinking of what you can do to the available money to increase it. It better to always think of building wealth and take necessary measures to avoid lavish spending. Although doing this, people may call you different names ( like stingy man, selfish man and all other names) but it's better not to care about it. This doesn't make you not to be generous, just do your best with care and spend your money on reliable things that can increase your wealth.

[Vinaa77]

whatever the situation and conditions, we must be able to save as much as possible on expenses by managing finances by giving input on minds so that they always save a small amount depending on their possessions so that there is hope that in the future something will happen that is very good for the survival of you personally and the so that you don't It's troublesome when your economy is in a slump, it's something you have to think about to be better in the future by getting used to your lifestyle, don't it by buying only things that are really necessary, this will reflect a disciplined and frugal personality.

Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.

[erep]

Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

However, someone can save if their monthly income is above the average routine expenses. If their income is below this amount then they cannot allocate funds for saving. The solution is as you explained above, they have to work hard to increase additional income from other jobs.

[Yaqs15]

People are always in a routine, your and your family's life is running on your monthly income. The standard of living of a person in the world is such that when you are spending your money on yourself and your family, that person is struggling at maximum time to meet all the needs of the family and cannot save money at the end of the month. Money is the most important in future life, maximum time when money is needed When someone in the family falls seriously ill, he needs a lot of money for his treatment. If you do not learn to accumulate and save money from the beginning, you will be forced to sell your important assets such as the land where you live. Even if you think about your future life, you should at least develop the habit of saving money.

saving some parts of money is very essential. if you don't save today, a day shall come that  you will need it and it might be too late. one most discipline himself or herself today so tomorrow he or she will enjoy it when the needs comes.  save and when saving, make sure you are saving wisely. That is, consider some factors like inflation, deflation and recession. So for the above reason, it will be advisable to invest sometimes rather than saving.

Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.

Discipline is one of the first step to take when saving. for you to be able to save,  you need to reduce your expenditures since it not necessary for your income to increase your are the one to adjust your self. You need to adjust some material like food, shelter, clothes and academic.
in the aspect of food, you must not necessarily eat three times a day. In shelter, you must not suffer your self to have air conditioner in all of your rooms. ceiling fans should be okay. For clothes, you must not sew new clothes every month. wash the one you have and iron them. life goes on. And for the academic, you must not necessarily go to the most expensive school.

[Andrija Branislav]

in the aspect of food, you must not necessarily eat three times a day. In shelter, you must not suffer your self to have air conditioner in all of your rooms. ceiling fans should be okay. For clothes, you must not sew new clothes every month. wash the one you have and iron them. life goes on. And for the academic, you must not necessarily go to the most expensive school.

Actually, saving is not holding back, not allowing A and B, but the real meaning of saving is not to overdo it. If income is not yet established, adjustments need to be made to ensure it is appropriate.

It may be easy to verify and understand. .

[Ricardo11]

The present age is such an age, in which no one comes forward even in times of danger if people do not have money. As long as you spend money on them, they will keep you in their heads, and when the money runs out, they will throw you away. Selfless friendship or love is very difficult to find in this age, so don't spend your money on those Self-interested people, put your money to good use. Where you spend money, it gives you profit or returns over time. Use your hard earned money in that place. You are spending money on friends today, if you stop spending money tomorrow they will leave you, but if you use this money in a good place, it will keep paying you, and if you invest it in a good place for a long time, it will pay you back. will give several times more amount. So give more importance to money, think about earning money, you will see that there will be no shortage of people behind you and if you don't have money, no one will even look at you.

[KeenanEl19]

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

However, someone can save if their monthly income is above the average routine expenses. If their income is below this amount then they cannot allocate funds for saving. The solution is as you explained above, they have to work hard to increase additional income from other jobs.

Saving can be done by those who already have a monthly income and maybe there are some people who don't yet have a monthly income but they force themselves to save because they feel that saving is important. In my opinion, routine monthly expenses are paying water, electricity bills and meeting basic and other needs. This really needs to be paid attention to and prioritized because it is part of the conditions for survival.

and what must be addressed is unnecessary spending, meaning it is not very important, such as wanting to buy something but its role is not too important. Usually young people are already working and already have an income but they waste money by fulfilling their desires even though it's not really important, in my opinion this is something that must be addressed. Apart from that, we have to work hard to be able to earn enough income, even more than enough, and balance the work we have so that we don't torture ourselves too.

[HajiBagi]

People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance. 

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.

True, no one will value you if you don’t have money even your family will never value you if you don’t have money, people will care about you when you have money and get close to you just for them to get something for themselves but immediately when they found out that you don’t have money again or just let them know that you are about to begin broke or your source income is not coming like before they will run away and leave you to suffer alone before you begin to treat people and show them make show you learn how to save money that in the future you will still have money that you can spend on yourself, I don’t know but for I usually spend on my family than spending for outsiders.

Spending on your family is better than spending on people who are not even related to you because no matter how hard it is for you there are some people in your family who will never forget about you, being rich today and in the future you are poor is the most painful thing in life because people who you always treated as a friend will not be there for you, money is the root of evil as people said but we have to also be careful and make a good save in the future because no one knows tomorrow, so advice is to learn how to save money and use it for a better things that you will have a profit at the end.

[OrangeII]

We all need money to provide for our families' basic needs. Know your income and spend less than you earn. Just because you have the money doesn't mean you should buy things that aren't absolutely necessary. Try to avoid debt and save for the future. It is critical that you plan how you will spend and save your money. Understand the difference between needs and wants. Make savings a priority. Bugdet is a sensible technique to monitor or cut your spending and plan for your future needs. It reminds us that "the plans implemented by the diligent one surely make for advantage."

Basically this goes back to financial management. Many people have a large salary but still feel inadequate, and cannot save, or even invest. This is due to poor financial management. However, things like secondary or tertiary needs are things that need to be reduced. Maybe in terms of basic needs, this cannot be reduced, but we need to reduce expenditure on the other side. Many people regret having poor financial management, because when we improve this, I think it will be easier to save and invest.

[Uhwuchukwu53]

Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

However, someone can save if their monthly income is above the average routine expenses. If their income is below this amount then they cannot allocate funds for saving. The solution is as you explained above, they have to work hard to increase additional income from other jobs.

Yes adopting this formula is good , it's similar to what I apply in my savings principles. But one thing I put in forefront is the popular saying of pay now and play latter even when the income is a little less thane needs expenses when put first the future benefits of savings mostly when the savings is an investment that can generate more income is better to Carry out such and cut down other expenses because once there is money need and other responsibilities keep increasing it required one with determination and control to take the step of investment or saving because if your centered if satisfying the needs and balancing it all time it may happen that one may end up not saving some time one need operate on an unbalanced situation just to save because saving or investment is all about risk and it takes courage and fulfiting some things to achieve them.

[Iranus]

People's financial situation is not always the same as we have enough money now but in the future we may not have enough money to spend. Now we have enough money so now I will go out of my way to spend money as I want for no reason then later when I don't have enough to spend but no one else will give me money to spend. It is a fact that as long as you have money and as long as you spend money behind others people will speak for you and people will be with you but if one day you want to walk with them without spending money then you will find no one to walk with. Since money brings people closer and money drives people away, money should be given the most importance. 

The amount of money that we are earning now is divided into several parts and the remaining money is the money but if we want we can invest or save so that if there is a financial crisis in the future but this saved money will support us well. 

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.

True, no one will value you if you don’t have money even your family will never value you if you don’t have money, people will care about you when you have money and get close to you just for them to get something for themselves but immediately when they found out that you don’t have money again or just let them know that you are about to begin broke or your source income is not coming like before they will run away and leave you to suffer alone before you begin to treat people and show them make show you learn how to save money that in the future you will still have money that you can spend on yourself, I don’t know but for I usually spend on my family than spending for outsiders.

Spending on your family is better than spending on people who are not even related to you because no matter how hard it is for you there are some people in your family who will never forget about you, being rich today and in the future you are poor is the most painful thing in life because people who you always treated as a friend will not be there for you, money is the root of evil as people said but we have to also be careful and make a good save in the future because no one knows tomorrow, so advice is to learn how to save money and use it for a better things that you will have a profit at the end.

It is true that if we don't have money then no one will respect or care about us, but that doesn't mean we should try to make money just to get their respect or attention. We make money to take care of our future and family, not for prestige or just so people recognize us.

I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.

To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.

[Reatim]

in the aspect of food, you must not necessarily eat three times a day.

I don’t think it’s the amount that matters but rather the nutritional value of it. Even if you are saving, you shouldn’t sacrifice your health for it as it can have long term consequences.

In shelter, you must not suffer your self to have air conditioner in all of your rooms.
ceiling fans should be okay.

It’s not necessary to have multiple rooms with air conditioner but one room should suffice. Even with an air conditioner, you can just control it and only turn it on when it’s hot. That way you can still save.

There are many ways to save but don’t deprive yourself of basic and sometimes a few treats for yourself.

[Vinaa77]

Continuing to save in various situations of course this will be difficult to do and if you can do this of course it will be very good, but if the income we have is only enough for the needs we need of course it is impossible for us to save and we must be able to have additional income so that we can save and to be able to have additional income, because it is impossible for us to save without having sufficient income to meet our needs and only then can we save, refrain from spending the money we have on needs that we don't need of course We must be able to avoid this so that we can still leave some of the income we have after meeting basic needs so we can save and for those who are disciplined in managing their finances well, they will certainly be able to have savings.

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

However, someone can save if their monthly income is above the average routine expenses. If their income is below this amount then they cannot allocate funds for saving. The solution is as you explained above, they have to work hard to increase additional income from other jobs.

You are right, if we don't have an income it is impossible to save and I am interested in trying what you have said of course this will be very useful for me, holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need.
It is indeed impossible for someone to have savings if their income is below their routine expenses.

[lizarder]

I don’t think it’s the amount that matters but rather the nutritional value of it. Even if you are saving, you shouldn’t sacrifice your health for it as it can have long term consequences.

I don't believe people can think when they are experiencing poor nutrition because the brain needs nutrition to develop. If there are people who sacrifice their health to save then believing that is not true because it is impossible for us to make a savings portion under these conditions.

It’s not necessary to have multiple rooms with air conditioner but one room should suffice. Even with an air conditioner, you can just control it and only turn it on when it’s hot. That way you can still save.

There are many ways to save but don’t deprive yourself of basic and sometimes a few treats for yourself.

Saving has a measure for each person because of the difference in the amount of income we get. Some people have an AC in every room and they have a much larger income so they can put an AC in every room. For those of us who don't have a large income, a fan is more than enough even though in terms of health it has an impact when used for sleeping.

It's hard to save money when people indulge themselves too much and sometimes prestige is much bigger than the income we get. So in the end, to meet all your needs you have to deal with loans and this is where the lifestyle error lies.

[MarjorieZimmermanGinger]

We must be careful about money, if you are careful about money then there is no problem if people call you stingy because some people's job is to say bad things about others.

Saving is important and may have to be adjusted, but the scale of saving must be a balanced percentage with a much more productive way of making money. Money can bring unequal enjoyment and money can also make someone take the wrong steps, this is where self-monitoring is needed to control because without planning we cannot prepare for a better life. How many people are unable to achieve happiness in life even though they have a lot of money and on the other hand, people who live simply enjoy their lives much more and are much happier.

Money is indeed important in life, but we have different abilities in running our lives. Being stingy or thrifty is just an issue that doesn't need to be magnified because we know the scale of needs that must be prepared for. The reality is that we don't try to live within our means and most people just try to live an excessive lifestyle.

[taufik123]

in the aspect of food, you must not necessarily eat three times a day.

I don’t think it’s the amount that matters but rather the nutritional value of it. Even if you are saving, you shouldn’t sacrifice your health for it as it can have long term consequences.
-snip-

It's clear about what you're saying, health comes first.
Even if saving enough but when we have to tie the stomach tightly enough because of not enough nutrients obtained, it is tantamount to ignoring health.
Because if we get sick because the obsession to save is too extreme, it will make spending greater when experiencing illness.

Save properly and do not have to ignore basic needs that really should not be reduced portion.

-snip-
holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need. It is indeed impossible for someone to have savings if their income is below their routine expenses.

Then it is necessary to do good management, even though income is below standard for routine expenses you can still save.
Savings are adjusted for income, maybe taking 10% or even 5% of the main income, but it's routine.

Especially if it's done on Bitcoin, do DCA every month when your money accumulates and start saving bitcoins.
Bitcoin fluctuations will make a profit if you are able to survive for a long period of time until the highest target is reached.

[wahyuagung26]

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

More or less, we can say that this depends on each month's needs and this is the result of more than all a person's needs. Saving is indeed a category of good money management, which means that later when someone will need their savings for their business needs or other basic needs. but of course a person's income will determine how good his savings are.

[topbitcoin]

Actually the basic formula for saving depends on monthly income, I use a simple formula to calculate the allocation for savings, the formula is "monthly income - routine expenses - other needs expenses (optional) = remaining funds for savings", the points for other needs expenses are not routine needs expenses so I don't have this expense every month because I focus on increasing the allocation for savings funds.

More or less, we can say that this depends on each month's needs and this is the result of more than all a person's needs. Saving is indeed a category of good money management, which means that later when someone will need their savings for their business needs or other basic needs. but of course a person's income will determine how good his savings are.

I think erep has already said it, this does not depend on his needs but this depends on his income, because if it depends on needs it will be very difficult to be translated into a mathematical and logical financial scheme, needs can adjust to income, but income cannot adjust to needs, this will be a difference of view even though you have the same intention, but if examined again it will give birth to different thoughts.

And to see a good savings cannot be seen from a person's income, because there are not a few people who have a large income, but they do not have much savings, some even have no savings at all, and to assess this I think it is unfair to look at the amount of accumulation alone, because if someone can save a large amount because his income is much greater it shows that he is very good at saving.
I think you need to use percentage as a measure of how well someone is saving, because that will give a fair conclusion in judging someone to save their money, honestly, a person's income is different and so are their needs.

[Altryist]

It is true that if we don't have money then no one will respect or care about us, but that doesn't mean we should try to make money just to get their respect or attention. We make money to take care of our future and family, not for prestige or just so people recognize us.

I don't see any reason for us to spend money on people outside our family unless it's related to relationships that benefit our work. We need to realize that no one is better than our loved ones, every external relationship is about money, so spend it in moderation and don't waste it unnecessarily.

To me, saving is something that should be done and should not be lacking in anyone's life, but we should not focus too much on it but instead should find ways to increase our income.

You are right, all that should bother us is only the opinion of our family, and if you care about their well-being, then you will always be a respected person both for the family and for those around you, if, of course, the opinions of others interest you. Financial literacy is the responsibility of every person, no one will care about your well-being, no one will earn money instead of you, this is something we cannot do without and what is one of the most important in our lives, therefore we need to treat money responsibly.

[kawetsriyanto]

You are right, if we don't have an income it is impossible to save and I am interested in trying what you have said of course this will be very useful for me, holding back from not having needs of course this will help us in having savings and of course a sufficient income we have been able to fulfill the routine needs that we need.
It is indeed impossible for someone to have savings if their income is below their routine expenses.

How we can save money if we have no income? Saving is possible if we have enough monthly income, it can be allocated after we fulfill the allocation of premier necessities. Actually, his formula is a common formula, everyone must already apply it. Do you never know the formula?  

By the way, I even doubt that people can survive if they have lower income over the routine expenses? Our routine expenses should depend on the monthly income, right? Normal people must adjust their expanses based on their income.

Money is indeed important in life, but we have different abilities in running our lives.

Running our lives? 
In fact, we are born with the same condition. Basically, we have the same ability in life. However, each person has his own goal in life. This probably leads people to do a different way.

The reality is that we don't try to live within our means and most people just try to live an excessive lifestyle.

People must live with their own way. Still, sometimes people lifestyle doesn't reflect their abilities. Sure, it is actually not needed if people understand the meaning of life. If they know this, they must prefer to have saving and investment rather than spending money on unnecessary stuff.