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Quote from: Dotakels on October 16, 2015, 05:59:05 AM

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Quote from: Dotakels on March 27, 2015, 06:33:37 PM

This is my first post. Please do respect

My post intention is to help readers to save their money.

Some of the employee are not saving their money. They spend it on things that they dont need. For example gadgets,buying a concert ticket, accesories, etc.Buying things that not they need is also like a wasting money. Because this thing give a happiness not a good life. Saving money is just like securing your future because your savings can help you in emergencies. These are the way to save money .
If you are empolyee. You must save atleast 20% of your salary. The 20% of your salary divides into two .

The 1st way : cash reserves- medical insurance, retirement, life insurance and if you not have salary yet. And emergency. But dont spend all of you 10% in this emergency. You must know if the injury is serious o not before you spend the 10%.
The cash reserves must equal of your 6 months salary this will help you and ensure you becauas of you loss your job you have extra money .

The 2nd way : investment, business- you can invest in some company so that you have a extra income. And you can also built a small business that will always have an income like apartment.

Example. My wage is $ 7.5 per hour and i work for 8 hours and i work for 20 days. So thar my salary is $1,160 . The 20% of $1,160 is $232 .
So that my cash reserves is $ 116 i can spend this money in emergencies and medical insurance.
If my 6 month salary is $6,960 i can stop my saving money in cash reserves.

Thank you .

One of the many ways to save money is to never purchase expensive items on impulse. It is takes a strong willpower to do this, but this is essential if you really want to save money.

This is so true.It's all about the discipline.When I see something what I really would like to have and I know I could afford it, I check other places (also online) if I can find it cheaper or I decide to wait a few months and it will be cheaper.Flat screens is are a good example.

waiting until theres another brand new stuffs and the things that you want to buy will decrease the value because people want the latest one and not the old one.

I know right. Just take apple products for granted, everyone wants the new releases even though the device itself is too much for your budget. Because the BRAND itself has a great impact on the society you're in. People think if you have that kind of product your social status is above than the rest.

thought of idiots, because they think brand new is the best one and the oldest just last for only 2 weeks or a month is the cheap and can't do anything but if you will notice when the latest one was not already release, they struggle to buy.