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Author Topic: Take care of your money and learn to save.  (Read 2521 times)
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May 29, 2024, 10:29:56 PM
 #281

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.
This is true. Money is one of the most important things in the world. It is used to buy anything you want and anything you need, and if you have more money, more people will respect and look up to you. But remember, money should not go to your head. What I mean is that many people or rich people are forgetting to become respectful and think of themselves as high as the others, which is not a good trait because a person will be arrogant and can easily step on other people. So even if you have a lot of money and are in a good position in life, never forget to become humble, especially to your family; they are the first persons that help you with anything, so they should not be forgotten. And lastly,  if you have the money, then learn how to manage it. Remember,  money is not infinite; if you do not take care of your spending, you might be back to zero.

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May 29, 2024, 11:54:54 PM
 #282


people who criticize are always the ones who haven't achieved more than you have. It's always that way when you have money, they come forward and be on your side but when you have nothing, you are set aside and even discredits your achievements.

it's best to just keep silent when you have money and never show them your success. not everyone on your side is your friend. sometimes they are just waiting for your failures.

Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.

The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.



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May 30, 2024, 02:00:12 AM
 #283

Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.

The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
Savings in any form should not be shared carelessly with the public because this could trigger bad things to happen to the owners of the savings themselves. The bad thing that can happen to people who have a lot of savings is that they are more vulnerable to being targeted by fraudsters and also by thieves around them. So I also agree with what you said that everyone who already has savings in any case should not be arrogant and also make a fuss by showing it to everyone because this will also be known by people they don't know.

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iamsange
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May 30, 2024, 05:28:42 AM
 #284


people who criticize are always the ones who haven't achieved more than you have. It's always that way when you have money, they come forward and be on your side but when you have nothing, you are set aside and even discredits your achievements.

it's best to just keep silent when you have money and never show them your success. not everyone on your side is your friend. sometimes they are just waiting for your failures.

Yes, you're right, we can't please everybody. Really, when someone rises up, we expect someone to pull us down. That's why I agree with what you said: just be really quiet so that no one will notice that it's rising or progressing in your life.

The more you make noise or show the intention to be noticed by others, the more you or we give them a reason to criticize us and pull us down, so when it comes to saving savings, don't brag or make noise. That's really done secretly.
Actually, there's nothing wrong if we tell our colleagues that we often save, because it's not just showing off, but that way maybe he will be motivated by what we have done with the money we have.

Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.

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May 30, 2024, 06:33:10 AM
 #285

Money's fine, I guess, but real friends who have your back are way more important.  Close friends stick with you through good times and bad. Not just when you're pickin' up the tab at the bar!  So be wise how you spend, not throwing money around just cause you got it now.  Buy things you really like but save some for later, and you'll find yourself with true genuine people who care about the real you.  And not with fake friends, who only care about your money.


I actually and genuinely agree with you mate,spend less but save some for later because when you loss your money you gonna loss Alot of people whom you think where just after the real you,not knowing they are just with you because you have what is to being giving which is money ,money is the roots of all evils,but really friends got your back with money none without they only believe in what you do.
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May 30, 2024, 06:35:07 AM
 #286

Actually, there's nothing wrong if we tell our colleagues that we often save, because it's not just showing off, but that way maybe he will be motivated by what we have done with the money we have.

Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.

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May 30, 2024, 08:24:03 AM
 #287

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."
Earning money is mandatory to fulfill our daily life needs. We should always keep track of it so that we don't spend extra money for any reason. Along with earning money we have to take steps to save money and try to save money gradually.  So that we can use the money that we have saved later for something good. The biggest thing is that we should calculate how much money we spend and how much money we have to spend to live a good life.

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May 30, 2024, 09:06:24 AM
 #288

Actually, there's nothing wrong if we tell our colleagues that we often save, because it's not just showing off, but that way maybe he will be motivated by what we have done with the money we have.

Because of the issue of saving, it is very important to look to the future so that our family's wishes can come true so that we can feel happiness with our family, and not only that, savings are something that is very important when we are in a bad situation, by having savings we can be a little calm and happy with the money we have invested for the future.
Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.
Educating financial matters to colleagues is also very important as long as we know the limits in explaining them, meaning that we should not interfere excessively with other people's financial problems. The principle of saving is quite good for maintaining financial foundations, but not everyone will be able to do the same because of different sources of income and expenses. However, saving is also part of our character and how we see the future by compiling a directed life road map.

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May 30, 2024, 02:01:12 PM
 #289

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.
This is true. Money is one of the most important things in the world. It is used to buy anything you want and anything you need, and if you have more money, more people will respect and look up to you. But remember, money should not go to your head. What I mean is that many people or rich people are forgetting to become respectful and think of themselves as high as the others, which is not a good trait because a person will be arrogant and can easily step on other people. So even if you have a lot of money and are in a good position in life, never forget to become humble, especially to your family; they are the first persons that help you with anything, so they should not be forgotten. And lastly,  if you have the money, then learn how to manage it. Remember,  money is not infinite; if you do not take care of your spending, you might be back to zero.

This is a good reminder because I see most people who become rich change their personality and the way they treat people, some people who become rich start looking down on others and show signs of arrogance. This is really bad because it will create huge cracks in our relationships and it doesn't stop there because life is full of surprises. I mean we can become rich but in the future we can also become poor at any time, and if we look down on others when we are rich then when we become poor there will be no one around. 
You are right, humility and gratitude are two virtues that will help us survive in this society.

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May 30, 2024, 02:44:05 PM
 #290

I think 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 earn 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.

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May 30, 2024, 03:12:02 PM
 #291

Earning money is mandatory to fulfill our daily life needs. We should always keep track of it so that we don't spend extra money for any reason. Along with earning money we have to take steps to save money and try to save money gradually.  So that we can use the money that we have saved later for something good. The biggest thing is that we should calculate how much money we spend and how much money we have to spend to live a good life.
Without money nowadays it will be very difficult to meet the needs of life and we will be forced to look for money to meet living expenses with our family or alone. Saving money is really needed so that we don't get trapped by wasting money unnecessarily because we are worried that the consequences will be much worse. With job conditions that are difficult for us to get, we need to make savings and be able to adapt ourselves so that there is no waste by spending money where it is not necessary.

Having priorities and having a plan is an effort to maintain financial stability, sometimes we don't realize we are spending money beyond our means. Finally, we are stuck with loans to meet our living needs and this happens because we don't have a plan regarding financial stability.

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May 30, 2024, 03:59:55 PM
 #292

I think 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 earn 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.
We have to spend depending on our income, but we can save money. If we spend more than our income, we are more likely to be in debt. We can invest some of our income and save some money. Those who are wise  They will never spend the full amount of income. And those who are fools will spend all the amount of income.

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May 30, 2024, 04:48:57 PM
 #293

I am so disappointed with bad money management since before marriage and realize how bad impact right now after marriage, indeed still has enough money in saving assets and received payment from my salary every month but when still single had many opportunity but never put in saving assets. I think very important for youth people right now and have no dependents how to manage well with money management by saving around 30% to 60% of your salary.
After marriage get difficult for spending above 30% for saving assets because you have more extra outcome every day and always not enough with how much salary received.
During has opportunity for saving money you must allocated more bigger than your money spending every month, you will get disappointed later after marriage with less saving fund in your pocket.

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May 30, 2024, 09:45:51 PM
 #294


people who criticize are always the ones who haven't achieved more than you have. It's always that way when you have money, they come forward and be on your side but when you have nothing, you are set aside and even discredits your achievements.

it's best to just keep silent when you have money and never show them your success. not everyone on your side is your friend. sometimes they are just waiting for your failures.

I totally agree with you, and there are some people who claims they are our friends especially when we have money and you are spending too but once your money is finished, they will leave you by your to go and meet someone who has money and when you need their help, they won't help you even if they do, they will do that just to mock you or even insult you, forgetting you have once help them, those kind of money need to be avoided and also we should learn how to manage on how we spend our money in order not to fall a victim of embarrassment.
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May 30, 2024, 11:58:16 PM
 #295

I am so disappointed with bad money management since before marriage and realize how bad impact right now after marriage, indeed still has enough money in saving assets and received payment from my salary every month but when still single had many opportunity but never put in saving assets. I think very important for youth people right now and have no dependents how to manage well with money management by saving around 30% to 60% of your salary.
After marriage get difficult for spending above 30% for saving assets because you have more extra outcome every day and always not enough with how much salary received.
During has opportunity for saving money you must allocated more bigger than your money spending every month, you will get disappointed later after marriage with less saving fund in your pocket.
When you are married like this, you really have to pay close attention to economic conditions because you have to provide food and life for your partner. If your economic condition before marriage was very good and you had a lot of money but you couldn't produce anything that you can enjoy now, then never mind, don't ever regret what has happened. Make this an important lesson to be better in the future and start managing your financial condition well now.

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May 31, 2024, 02:05:29 AM
Last edit: May 31, 2024, 02:21:14 AM by cryptoWODL
 #296

I am so disappointed with bad money management since before marriage and realize how bad impact right now after marriage, indeed still has enough money in saving assets and received payment from my salary every month but when still single had many opportunity but never put in saving assets. I think very important for youth people right now and have no dependents how to manage well with money management by saving around 30% to 60% of your salary.
After marriage get difficult for spending above 30% for saving assets because you have more extra outcome every day and always not enough with how much salary received.
During has opportunity for saving money you must allocated more bigger than your money spending every month, you will get disappointed later after marriage with less saving fund in your pocket.
I will never be disappointed with less savings fund in my pocket after marriage. I am a married man myself. OP remember one thing man can't spend money freely after marriage like he can spend before marriage, because after marriage he has to take responsibility for maintenance of his wife. As a result, there is a lot of pressure on him to organize and run his household well even save a little money from it for the future.
And if we talk about single life then we spend whatever money we get from our job salary without thinking about future. You are right if we save 30% or 40% of our salary thinking about the future from single life or young life even if we save thinking about the new life that we will start after marriage then we will not be disappointed later which will lead to our beautiful life will enable.

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May 31, 2024, 03:52:10 AM
 #297

I actually and genuinely agree with you mate,spend less but save some for later because when you loss your money you gonna loss Alot of people whom you think where just after the real you,not knowing they are just with you because you have what is to being giving which is money ,money is the roots of all evils,but really friends got your back with money none without they only believe in what you do.

Saving some amount for the future is a good idea and everyone should know the value of saving because if you have no money for emergency purposes then no one will help you in such dangerous circumstances.

Money is important but if someone is with you just for money then there is no need to have a friend like this. You should have the ability to differentiate between good and bad friends and if your friends are with you for their own purpose then I think he is not a true friend.



 

 

 

 

 

 


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May 31, 2024, 08:22:34 AM
 #298

Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.
Educating financial matters to colleagues is also very important as long as we know the limits in explaining them, meaning that we should not interfere excessively with other people's financial problems. The principle of saving is quite good for maintaining financial foundations, but not everyone will be able to do the same because of different sources of income and expenses. However, saving is also part of our character and how we see the future by compiling a directed life road map.
There's certainly nothing wrong with fellow workers in providing education in financial matters because we all do work to be able to earn income for our needs and if there's any left over we can save, I agree with what you said in terms of saving, it really depends on income. and also their expenses and it is impossible for them to have savings if the income they have is only enough for their needs.

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May 31, 2024, 07:23:21 PM
 #299

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.

this is the reality that is happening, people have difficulty in generating money, therefore maintaining money is now an obligation that everyone must do, inflation continues to occur in many countries at the moment and it cannot be stopped, our way to maintain our money can't be done carelessly, what we have to do is invest like investing in gold or cryptocurrency.

why don't I recommend investing in property, because right now people are thinking long and hard about buying a property.
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May 31, 2024, 07:27:18 PM
 #300

Telling other people that we regularly save does not necessarily mean that other people will have an interest in saving, because saving will really depend on the income they have and if they have an income that is only enough for their needs then it is very difficult for them to think about saving.
By saving we will certainly be able to prepare for a better future and for the emergency needs we need, because without savings for emergency needs it will certainly be very difficult to meet these needs when we need them.
Educating financial matters to colleagues is also very important as long as we know the limits in explaining them, meaning that we should not interfere excessively with other people's financial problems. The principle of saving is quite good for maintaining financial foundations, but not everyone will be able to do the same because of different sources of income and expenses. However, saving is also part of our character and how we see the future by compiling a directed life road map.
There's certainly nothing wrong with fellow workers in providing education in financial matters because we all do work to be able to earn income for our needs and if there's any left over we can save, I agree with what you said in terms of saving, it really depends on income. and also their expenses and it is impossible for them to have savings if the income they have is only enough for their needs.

I think when we talk of need it depends on the class we belong because no matter how rich we are it can't still fulfill our needs, only few among us are satisfied with what they have and those are the people that are contented with what ever they earn. In this life for someone to save money is very difficult because the income he earn can't cover all his needs but still someone have to try. Yesterday i was discussing with my younger ones tell them that they didn't enjoy like us when we are young but nevertheless its still better that way because then family responsibility are very little, we were staying in room and pallor that is just two rooms and now we have our own house with more than ten rooms but all this is acquired by cutting some of expensive that were surrounding us which we can do away with and still continue with our life.

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