Quote from: Litzki1990 on Today at 08:45:59 AM

Quote from: Marcellin9 on February 22, 2023, 08:32:31 AM

For example, a lot of peole complain that their income is not enough to cover their daily expenses so they can't save much money while...they spend seven bucks on a cup of coffee almost every morning, throw a hundred dollars on some gym membership cards but never show up training, have dinner with some random girl in an expensive restaurant, buy drinks in bars and waste hundreds of dollars... The list goes on and on. If you live this kind of lifestyle and at the end of months, you are running out of money or can't pay the mortgages, whose fault is this ? I can not provide any statisitics but I am sure that many people have fallen in the trap and can not get out. I hope you are not one of them.

If we can spend in a limited way then we can save our money even from our small monthly salary. To save for the future, we should avoid some expensive things.
For example, if someone has a habit of eating at an expensive restaurant, then he has to change that habit because eating at a restaurant is usually very expensive. Instead of eating at a restaurant, we can eat with family. Not to spend more than what is necessary. we should spend only what we need.
Many people have the habit of smoking or drinking and it is seen that they spend a lot of money on smoking and drinking which results in them being more in debt instead of saving money at the end of the month. Those who have these habits should change this habit. If these habits can be changed by oneself then it is possible to save some part of the salary at the end of the month.

Indeed, if we are determined and want to do something, no matter how difficult, we can still do it. Those who give hundreds of excuses when they can't save money, it's because they haven't seen the importance of it, and they don't want to. For these types of people, advice will never be enough. Only when they really have a hard time in life, when they need a lot of money to solve that problem, they realize that saving is very important. For me, saving is more important than investing, I will only invest when I have savings.