It is forbidden to be difficult It is forbidden to be difficult
3 years ago
We have many desires in life that we want to have. There is the purchase of expensive clothes, body armor, electronic gadgets, long distance travel, etc. It comes from the juice of our diligence and perseverance after a day of daily work. Even before we get our paycheck, we think that we can spend on things that most of them are just luxury and not really necessary.
There is nothing wrong with spending on luxuries or desires in life. The question:
Will the money I spend on buying luxury or preferences be within my budget or less than my income?
Am I still saving enough and regular for my future?
Am I learning to invest or invest in hard-earned money?
Can I still pay bills and debts on a fixed amount and time?
Do I still have enough money to spend on work such as fares, food, etc.
In the event of an emergency, do I still have sufficient funds to fill it without having to hold a knife, rely on or borrow from anyone?
If the answer to all the questions mentioned above is OPO, it is possible for you to be free from certain scarcity or extreme poverty. If you have the answer to the question mentioned above NO, well, think about it first. You may have priorities that need to be taken care of first.
It is difficult to spend on luxury if you are always short of money. It is unfortunate in the long run, especially if you only rely on your luxury in debt. If you think about it, you can even use the money spent on luxury for something more important. And if you really need something, you can buy a quality item at a more affordable price. The money saved from this is a great help to avoid certain debt, especially in times of crisis or emergency.
Here are some scenarios we can save without sacrificing the purchase of luxury or the pleasures of life:
SITUATION # 1: Affordable Shopping
If you want to buy shoes that are priced at Php 3,000 or more. There are quality shoes that can be bought at the shopping mall for less than Php 1,500, especially if there is a scheduled weekend or clearance sale. If you are a wise and practical consumer, you will buy quality goods at a more affordable price, and you can use them in the long run. It is also a waste of Php 1,500. And one more thing, you can also buy the shoes you bought so far, so in the next 2 or 3 years you will buy new shoes again, because they are already tight on the feet. That way you will be able to save more for your future.
This can also be done if you buy the latest cellphones or electronic gadgets. We all know that every day is necessary and incomplete if we do not have a cellphone or laptop, but it can be postponed so that we can choose a more suitable and good type of gadget at the price we can afford. Also, it is not wise or practical to buy an expensive electronic gadget, especially if it is not used in the technical business, because after a few years, its price may drop. It is also a waste of money to save from it. Just a little patience and wait, you can also achieve your desired object that does not exceed the budget, affect other important expenses, or you will be buried in debt.
SITUATION # 2: Gradual Saving and Saving Regularly
One way to save money is to have a piggy bank. Here we keep the rest of the coins exchanged in stores or even in the fare of a jeep, bus or tricycle, or even small banknotes that would have been spent on things that were just wanted. You are no longer aware of every expense you put off because you know it is just a luxury and not really necessary, you are saving a lot more than you would have thought while working and spending every day.
From simply packing food and water to going to work, walking or using a bicycle to save on fuel or fare costs, avoiding luxuries and vices, you will be able to save at least Php 100-200 per day . This is a big deal, especially if you are a minimum wage earner. Just a little diligence in waking up early and in preparing fresh food, you will save a lot. You can take better care of your health because you exercise regularly and eat healthy foods, unlike eating fast food or buying cooked food. You can beat people who earn even more, but are still in debt (especially with lending or credit cards).
SITUATION # 3: Avoiding Unnecessary Costs
One way to save on waste is to always be busy or busy with your personal work. Usually every payday or bonus day your office mates or friends invite you to go for a walk or eat out. We all know that this is just an extra expense and it is not really necessary. We can politely say: “I'm sorry, my son or sister, Dad or Mom, Mistress or Mister are waiting at home, I need to go home early so I can have dinner with them tonight, or breakfast (if working at night). Or maybe I was tired from work earlier. I need to rest at home. ” If your body is still energetic, say I have a sideline or racket outside the office, I still have some housework left and no one else to take care of because my family is too busy or one or two are sick to a member of my family. That way, you will not have to worry about the income or salary that you would have provided for your family. Avoid the lack of money, the debt and the stress of charges, even the training of other people (s) who are dependent on others. And if you like to sideline after office hours or even weekends or holidays, you will earn more instead of extra expenses. You can secure your future even more, even if you are single.
PERSONAL LIFESTYLE:
In choosing the lifestyle you want to have, it should always be in line with our budget, and it should not affect the purchase or spending of basic necessities or daily expenses, even family support. There are things that really have to be spent, because they are necessary and appropriate, but there are things that must be postponed first to give way to the more important ones.
It is difficult to act if you are always short of money, so you should prioritize things that need more expense than luxuries. Not all the time you have a job, are physically fit, have a large income, have a good working condition or family life, so make it a habit to budget your income and always save and save for the future.
Because when you lose your job, have a crisis or crisis, or your body weakens due to fatigue, illness or old age, you will realize the importance of aging. If you do not have enough savings, you will not immediately be able to get through the hardships or trials of life. It is difficult to get financial help, depend on other people or even borrow. The higher your stress level, the harder it will be if you yourself are sick or ill. You just hide in the bedroom of your house and ask yourself: Where did my money go? Have you ever said to yourself or loved ones this word: “If I had spent the money on luxury and vice I would have saved it before, I would not be in trouble now. I would not have begged others to ask for help, even to the people I could possibly owe ”.
The luxuries gained in this life will lose their luster if you do not accumulate enough. When you are in financial trouble, you can force them to sell at a lower price. What a waste of what you have built up when that happens. If you do not have enough investment, where will you get the money to spend during the crisis. Asking? Borrower? Rely on others? Cling to the knife? What if you no longer have relatives or friends who are willing to help you? Wouldn't that be more embarrassing, especially to your loved ones. It would be nice if only you could be affected. What about your household expenses, children still studying and people you owe money to? The house and land you have been building for a long time are near or almost mortgaged or foreclosed because you could not pay the monthly installment, or because you needed money to pay off your previous loan or hospital treatment. Even if you repent, it is too late.
And what if you (and your whole family) are already victims of Poor Fiance Syndrome, an incurable disease. You can no longer go back to poverty or scarcity in life, because you are used to living in luxury. If you are still young and you are flirting with your boyfriend, you will definitely be busted, especially if he grew up rich or comfortable in his youth, your relatives (both in-law and biological relatives) have left you. , so the ending, you are the one who is embarrassed and turns out to be bad and irresponsible.
If you do not know how to value your livelihood and financial aspects, it seems that you are worthless and useless. Such should be the treatment of careless parents and young people who do not adjust their own lives and finances before they get married or have a family.
