The author has the opportunity to talk with friends. Ask about 5-6 friends about how to save money. Everyone made a face to quarrel with the questions. Some people replied that "The rest is collected" "Not interested in collecting because the young age has more time to work to make money" "Spend more money to find happiness first" Wait for the age of 40 years and then collect the money is not too late
From the answers of fellow authors Causing the author to start to wonder Nowadays, why is the understanding of saving for working age so little? Because each person has only one left to understand, still not yet time to collect Which this kind of thinking is considered a very dangerous matter Because if we think that the present career is OK No trouble But if one day you lose your job Or have issues requiring urgent money What do you do ????
From the above Would like to remind all readers who have this idea To change to a new method Turned to start saving today in order to be rich the next day And how to become rich tomorrow Despite working everyday Salary is not enough already. We have methods to present as a guideline to practice.
Start saving
Savings may not be new for you. But are you saving the wrong way today? Such as remaining and then saving or saving every other month If so You are understanding the wrong savings. Correct savings are equal savings every month. When you receive a salary each month, intend to immediately deduct 10% of the income each month. For example, you have 20,000 dollars to deduct from 2,000 dollars and deposit money to another account without having to apply for an ATM card.
From 10% savings, set a target for a period of 2 years. Calculate if you collect 2,000 x 24 months = 48,000 dollars (if the salary is more than this Money will be calculated more than this)
Buy mutual funds or shares
From the above, once you have kept the money for a period of 2 years, invest that lump sum in the mutual fund. Buying an investment in a mutual fund will have a lower risk than investing money in shares. But if you have stock expertise, you are able to buy shares But the important small technique for buying mutual funds or buying stocks is to buy on a dollar basis (Dollar Cost Average) by taking an average sum of money to buy. Do not finish the single purchase. Because the price of shares or funds has fluctuated throughout And the right timing for buying Is buying when the stock market goes down Then buy And each month, buy as usual, equally every month, without having to pay attention to the stock price on that day Because buying like this for long-term results Therefore, it is like taking the savings to save in that stock. And the result will be very fruitful
Have a clear goal
Everyone wants to be rich, but not everyone can be rich. Rich people are not just good at things. But has a clear goal Financial management goals Do not waste money on unnecessary things. Or if you have to buy something that is not needed, then will know about the long-term value. Therefore, the goal for those who work or salarymen at this time Should be the goal of saving money May set a goal that in the next 5 years, will have 1 million dollars or the goal to buy a house, marriage, etc. When we have a goal to make us clear and determined to succeed. Not doing without a goal
As mentioned above, all 3 steps may not be anything new. But in order to remind readers that saving is really important, don't wait to start saving today. No need to wait until age 40 and then save because that time might not come. With good wishes from the author who wants all members to save and get rich Or anyone with good techniques can share it.
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