If today you are still not sure what to save for Because you still think that you are young There is a lot of time to save. Would like to give happiness to myself first The author wants you to stop thinking first. Because you are at risk If you look carefully Savings are very important. Because saving, in addition to increasing your income through savings with shares or mutual funds Savings also help you in the event of an emergency. You will be able to use the money you saved beforehand. Without having a hot month of daily expenses
However, if surveying from household savings Will find that people are paying less attention to savings With the attitude that There is much left to save. Which is a wrong concept Because good savings should be made evenly every month. For example, should save 10% of the salary. Doing this every month will help the savings become more effective. However, good attitudes towards saving must also exist. Which consists of 3 steps as follows
1. Can save from today
Change the idea of saving anytime. Because one day you may need to use emergency money Which you can not save at all Savings can start from today. There is no need to wait until the age of 40 to save, and now savings can increase the value of your savings even more than regular deposits with little interest. By investing in mutual funds Or invest money in stocks So that the savings you save can produce more results Does not mean that savings must be invested in mutual funds or stocks only. But also includes saving to create happiness for oneself, such as bringing annual savings to travel Or saving money to buy things that you want Not violating any rules Because of savings aside from being used in an emergency But saving is like rewarding yourself from a long year of work.
Therefore, saving can start immediately from today. Do not wait until the age of 40, then gradually start saving today with savings from today And you will see the difference that occurs after you start saving
2. Increase goals for savings.
Savings are savings. But saving by setting a clear goal will give the savings a clear direction and help boost your self-encouragement from saving too. For example, you want to save each month so that in the next 5 years you will use the money to buy a house. Having a savings goal will help you make better financial management plans. Because you have a goal Which, however, does not have to be a long-term goal But goals may also be short-term goals If you want to travel at the end of the year You may save from the beginning of the year 2,000 dollars per month. At the end of the year, you will have 24,000 dollars to travel at the end of the year. But saving for the short-term Should be in the form of separate savings from monthly savings Which is divided into another pile for tourism etc.
3. Stop superfluous
The idea that shopping for what we want may not be wrong. But the concept of buying things should also be based on their own income Not much left, all must be yes. Many people have the idea that "Find as much happiness as possible Because I don't know if tomorrow will have the opportunity to use money or not. "This idea is a very dangerous idea. If you are not rich, have a bucket of money Stop this idea immediately. Because it's unlikely that you may become seriously ill tomorrow But you don't have any savings, what do you do? Therefore, being extravagant does not have any money left to save, it is absolutely not something you should do. Turn to save from today
The 3 approaches mentioned above may be the ones that many people are trying to do or are currently doing. But one thing that must always be aware that saving can not result in just 1 month or 1 year, but saving is a long-term savings throughout your working life. And saving does not mean just collecting But must also be used to create fruitful results But many people do not choose to invest because they do not have the understanding or expertise in investing. Therefore choose to save only Was not considered a foul But normal saving With extended savings The results will certainly not be equal. Which, at this point, must also acknowledge that the extended savings will blossom more than many times However, it's important to learn Is to change your attitude to saving with discipline and consistently as well.
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