Take care of your money and learn to save.

[slapper]

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.

Saving should not be an option, saving is a perfect way to go broke because there's no benefit in saving. Instead of saving what you should do is to be investing. Saving puts your money to rest and money shouldn't be resting but active producing more money for you and that's the work of investing. Investing has been made easy this days with the introduction of the internet that birth Bitcoin. You don't need to pass plenty procedures to become an investor anymore, with the right knowledge you can invest from home with your laptop or mobile phone either in crypto or other online investment.

Money needs to be multiplied, don't hesitate to take risk while you still have the ability to work for your money because soon you won't have the physical strength to work for money and it is then that your money would need to replace the hard work by working for you and bringing in more money. If you don't have andy automatic stream of income from Investment or owning a business currently, you have to start working on that immediately so you don't end up going broke.

Investing is popular, and everyone wants Bitcoin. There's no miraculous money machine here. You must first secure your money before multiplying it. Crypto is seductive. It's volatile too. A rollercoaster, not smooth. Not for the faint of heart, this game makes and loses fortunes overnight. You must continually learn, adapt, and take risks. Investing is crucial, but not everything. Never put all your crypto eggs in one basket. That's disastrous. Start with reliable investments. Create a foundation. Only if you can handle the volatility can you dive into crypto

[wmaurik]

Savings and investment are a balance in managing finances for a better life, we cannot possibly only have one of the two which will make it less optimal in managing our finances, so the allocation of savings must still be shared with investments and vice versa for plan B, because we will only use savings for emergency needs without converting the investments we have, unless you need large funds for certain costs then you must have high funds for your needs.

Currently, with the sometimes uncertain conditions in life, it would be better to have savings and investments because these two things should be considered important by everyone without exception. Because in reality, now everyone can see that people who only have savings without any investment that can help them in the future, these people will be more easily approached by difficulties when their savings run out. Likewise, people who only have investments, but no savings, will also find it difficult to maintain their investments for the long term, so both must be present at this time for the sake of balance in avoiding difficulties in our respective lives.

[0t3p0t]

We should have financial literacy so that we can cope without stress in everything we do with our wealth. That is why rich people has financial advisor so they can seek advice if ever something is bothering them or they want something fixed. For us average individuals we also need to manage our money so we cannot over spend on something we don't really need I mean we should always prioritize our need than wants.

[tygeade]

Money should planned for, we don't have to spend recklessly because we have it at the present, have we ever think about it if we don't longer have the money, money draw friends close as you have already said but absence of money does the opposite.
Money have to be invested into something meaningful, am not an advocate to saving money, although we can have a little savings for ourselves but the major thing should be investment, investment is long-term venture, when you invest your money, you are building a good future for yourself and you unborn children, I didn't say that savings is not good but I think having your money in the investment is better than keeping it in cash that's why I will always support investment, money should have a good channel to multiply, it should not be stagnant without yielding profit.

This is basically how people usually get rich. If you end up writing down some sort of plan before you even get the money then you would know how to live and what to expect. If you write down your bills, your food expense, your rent etc etc and spend accordingly then you are going to end up with something that will do fine in the end which should be doing fine if you know what you are doing.

I personally believe that the best thing to do right now would be just following that plan that you write. If you go without a plan then eventually you are going to end up spending money that you are not expecting as well. This debt will eventually grow to be bigger and I am sure that it will make a lot of people upset when they realize that they overspent compared to what they make as income.

[Juse14]

Money, it's easier to spend than to earn it. And if we are not good at managing expenses, let alone having enough money to save, the feeling of not being able to meet our needs for the next month becomes quite difficult.

Therefore, it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and make money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.

[stadus]

We should have financial literacy so that we can cope without stress in everything we do with our wealth. That is why rich people has financial advisor so they can seek advice if ever something is bothering them or they want something fixed. For us average individuals we also need to manage our money so we cannot over spend on something we don't really need I mean we should always prioritize our need than wants.

Regardless of our life’s status, we should always learn how to manage our finances. Otherwise, spending without limits and without setting goals will turn our finances going into waste, one thing that we should not let it happen most especially with our hard-earned funds. Instead, make use of your money wisely, learn to save and invest in potential projects or properties. That’s the only way you will grow your money in time. Focus on your needs, not literally on wants so you won’t be spending on useless things.

[batang_bitcoin]

Money, it's easier to spend than to earn it.

That is so true, you get to earn and work all day long and then spend it within hours or even in minutes.

And if we are not good at managing expenses, let alone having enough money to save, the feeling of not being able to meet our needs for the next month becomes quite difficult.

That's why money management is a must for most of us. If you're a hard worker, you need to value time in studying on how to protect your money together with your assets and investments.

[KeenanEl19]

Money, it's easier to spend than to earn it. And if we are not good at managing expenses, let alone having enough money to save, the feeling of not being able to meet our needs for the next month becomes quite difficult.

Therefore, it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and make money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.

In my opinion, this has become a common problem, because it is very real that getting money is difficult while spending it is very easy, especially if we don't have good money management. So it is likely that we will experience difficulties in living our daily lives even though we have money which basically should be enough to survive for the next month. Also, not having money doesn't mean we don't have to not have good money management. Just in case, we should be able to have good money management.

Balancing income and expenses must be done, perhaps one way that can be done is by recording expenses. and when we want to buy or spend money on something we have to be able to consider it well, don't let us do things without considering it, like when we have a lot of money. When we have a lot of money it doesn't mean we can spend money arbitrarily without considering it first. If we already have money and a job, then we must be able to manage our finances well, considering today and the future. with our own future, of course we have to think about it by saving the money we have earned and if it has been collected it can be used to invest, but to invest we also need a good understanding, don't invest without a good understanding.

[sekalitas]

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.

I agree that saving is crucial because our financial situations can change unexpectedly. My suggestion is to build an emergency fund of at least 3-6 months' worth of income while you have a stable job. This safety net can provide a buffer if you lose your job and need time to find a new one.

It's also wise to review your spending regularly.  Ask yourself: Am I spending on needs or wants? Can I cut back?  This can help you save more.

As for the statement about needing money to maintain relationships, I disagree.  It's possible to build relationships based on things besides money, such as shared knowledge, experiences, or values.  While it might not always be easy, it's certainly achievable if you bring something valuable to the table, even if it's not money. 

[OrangeII]

Money, it's easier to spend than to earn it. And if we are not good at managing expenses, let alone having enough money to save, the feeling of not being able to meet our needs for the next month becomes quite difficult.

Therefore, it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and make money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.

I think everyone has been taught when they were little to save, and buy necessary things. However, as time went by, this was put aside. It's very true that money is easier to spend. Without good management, the money will run out faster. Many people think that they can make money continuously so they forget to save or invest. They will really feel this when they can't work, and they don't have savings. However, the way to avoid this is to try to invest, and try to save little by little.

[YUriy1991]

Currently, with the sometimes uncertain conditions in life, it would be better to have savings and investments because these two things should be considered important by everyone without exception. Because in reality, now everyone can see that people who only have savings without any investment that can help them in the future, these people will be more easily approached by difficulties when their savings run out. Likewise, people who only have investments, but no savings, will also find it difficult to maintain their investments for the long term, so both must be present at this time for the sake of balance in avoiding difficulties in our respective lives.

Of course, this will have an impact on long-term financial well-being, but I think this condition is also certainly not all able to do it, especially now. If these two items have been able to be held, I think the family has entered the category of established family class because in addition to their needs being met, they are also able to save funds and easily manage their investments that have been carried out without pressure on primary needs constrained. This is the current reality.

[Bd officer]

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.

Yes savings is important in every one of our lives. Because you can't work or do business forever, you won't be able to work or do business when you get old at some point. So if you earn money in your youth and save it, you will not have to face financial problems in your old age. You have to think about the future, none of us know the future. Even if you fall ill and need money for your treatment, if you have savings or investments, you will not face financial problems.

It is true that people will run after whoever has the money these days. But if you just save money, your money will lose value due to inflation, so it is better to invest in some other sector. You don't invest the entire amount. You keep funds for emergencies.

[rhodelmabanal]

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.

Saving money is very important, because we don't know when there is an accident or even calamity, and if we have savings then we can easy pay everything without getting a loan it can save us from harm or from the possible interest of the loan that we can get in case that we don't have a savings. Saving is very hard specially to those who live in a normal life because the salary is enough only to our daily needs but if we have a plan to save we can do it just like what others do.

[enwi]

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.

Saving money is very important, because we don't know when there is an accident or even calamity, and if we have savings then we can easy pay everything without getting a loan it can save us from harm or from the possible interest of the loan that we can get in case that we don't have a savings. Saving is very hard specially to those who live in a normal life because the salary is enough only to our daily needs but if we have a plan to save we can do it just like what others do.

Exactly, when we gradually buy bitcoin or cryptocurrencies that have good potential such as BNB, Ethereum and Solana then this can be used as savings. Even more profitable, if we save in Cryptocurrency, we can get additional profits when the selling price rises. Imagine if you bought Bitcoin now and then kept it for the next 10 to 20 years. Make sure you print access to the wallet you have and save it for letters addressed to our family, so that when a family disaster occurs we can access the wallet we have easily.

[tottong]

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. 

It is called planning to live life in the future because we never know when inflation will occur, so trying to solve problems not when they occur is a smart move.
If we have a stable income then it is natural for us to make several options, whether trying to invest, save or build a small business to get much bigger profits.

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.

Money will never be productive if it is left to sit and money will never be able to generate profits if it is only saved.
A person must have the ability to invest or build a business because these two methods are considered much easier if someone really wants to learn how to run it more seriously. Money will be much more productive when we have the ability to take it to the right place and these two things are efforts to keep money more productive.

[AicecreaME]

You should only save a little amount of your extra money, the majority should be in an investment. Saving the majority of your extra money after paying bills won't help you that much in the future, because it doesn't make any profits, it's just there sleeping and you're wasting its potential to give you more money in the long run.

Investing it comes with different risks so you have to plan every little thing to avoid bankruptcy or losing most of your funds in the process. My point is that, save if you want to play it safe, and invest it if you're a risk taker with plans.

[Fortify]

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.

If you have begun saving, then you are on the right path. Many people will spend their early years in debt and some manage to rack up rather large amounts at that. For those people they have to work up from a negative position, just to the point of break even (zero) and by that time hopefully they have readjusted their whole mentality to spending. The wise people in life choose to keep their debts at an absolute minimum, with the only big one worth taking out being a mortgage or sometimes student loans. Once you have got a sizable buffer, or at least a couple months worth of salary minimum, stored up then you can begin to look into the world of investing and it's probably best to start putting money into index funds as they have traditionally given great market matching returns in the last few decades.

[SATWAT]

Money, it's easier to spend than to earn it. And if we are not good at managing expenses, let alone having enough money to save, the feeling of not being able to meet our needs for the next month becomes quite difficult.

Therefore, it is quite important for us to be able to manage our income and expenses as well as possible. So that our needs are still met, and we have some money to save. However, for a better future, we not only need the money we save in the form of savings, but we also need to have investments. because we cannot continue to work and make money, there are times when we are sick or approaching old age, so we may not be able to return to work, and this is where investment is important. Because through the investments we have, we will still be able to make money even though we have retired from work.

I think everyone has been taught when they were little to save, and buy necessary things. However, as time went by, this was put aside. It's very true that money is easier to spend. Without good management, the money will run out faster. Many people think that they can make money continuously so they forget to save or invest. They will really feel this when they can't work, and they don't have savings. However, the way to avoid this is to try to invest, and try to save little by little.

There is no doubt its same happening around me as I have living in area where peoples never care about this and after sometimes they are having nothing to do about this with many times I personally interacted with them about this, but usually they are never caring about this which is a more problem for them, we need to be careful about this all if we need to be had better life and also some freedom about our finances which are going to be difficult day by day.
If peoples are not having saving habit this is surely going to be had huge impact on their lives and things are going to be terrible for many with things are never been going to stay at the same level.

[doomloop]

As a financial guy I tell all my clients that you should try and save at least 15-20% of your earned income towards retirement.  If you can save more, than certainly do so.  Run a monthly budget AT LEAST once a year, making sure you're saving as much as you potentially could be.  Then make sure to do everything you can to be saving money (cut coupons, sign up for rewards apps, and things of this nature..it can go a LONG way).

If only everyone could do that. The amount of money one can save depends on how much one earns minus how much one spends each month, and based on the economic conditions all over the world nowadays, one can barely be able to have a lot of money left by the end of the month even if they have made a budget and are spending money accordingly. Inflation keeps increasing over time and most governments seem to not care about it at all.

15-20% is a lot, I would say one would do great if they can manage to save at least 8-10% of their earnings each month for their future because if they have some years to go for them to retire, they can save a good amount by that time which will surely help them with the time after their retirement.

[Freddie Boyer]

Of course, this will have an impact on long-term financial well-being, but I think this condition is also certainly not all able to do it, especially now. If these two items have been able to be held, I think the family has entered the category of established family class because in addition to their needs being met, they are also able to save funds and easily manage their investments that have been carried out without pressure on primary needs constrained. This is the current reality.

I myself also experienced the situation as you described above. If we look at the current condition, whether you have a monthly salary or not, even though you already get a regular income of $ 500 per month, if averaged antiny on the trip, for example, in 20 days the department is already ress and it is no longer enough, automatically have to find a loan to a friend to meet the needs of my family a month before payday again at the beginning of next month. Indeed, this pattern must be avoided so as not to continue to increase the value of their debt at the end of the month and have to pay it off. Yes, just live it.