"Let's talk!" №20 - "Do you know how to live within your means? " // "Давайте поговорим" №20 - "Умеете ли вы жить по средствам?"
Friends, hello! Let's talk about finances again:) This is one of the most pressing topics. The comment competition is back, and we are always interested in your personal opinions!
Do you manage to live within your means? Or do your expenses often exceed your income? Personally, I use a credit card all the time. The most important thing is to have enough time to pay it off before interest begins to accrue. How many times have I told myself that it's time to change something in my life, but... So far I haven't been able to do it: a child's urgent school fees or another necessary purchase... Of course, there is a silver lining: some financial investments could cover all my debts if necessary, but... Finances are invested to make a profit, so I am not in a hurry to spend them.
Do you manage to live within your means? Maybe you know how to save money? Share your personal experiences.
This is a competition for comments. Write your opinion in the comments of this post. The results will be announced on 4 August, after 18:00 UTC. Authors of three comments will each receive 1 Steem.
Good luck to everyone and have a nice day!
Друзья, привет! Давайте еще раз поговорим о финансах:) Это одна из самых животрепещущих тем. С вами снова конкурс комментариев, и нам всегда интересно узнать ваше личное мнение!
Получается ли у вас жить по средствам? Или расходы часто превышают доходы? Вот я лично постоянно пользуюсь кредитной картой. Самое главное - успеть закрыть долг до того момента, как начнут начисляться проценты. Сколько раз себе говорила, что пора что-то менять в жизни, но... Пока не получается: то срочные денежные сборы у ребенка в школу, то другая необходимая покупка... Есть, конечно, и плюс: некоторые финансовые вложения при необходимости могут покрыть все мои долги, но... Финансы вложены для того, чтобы приносить прибыль, так что я не тороплюсь их тратить.
А у вас получается жить по средствам? Может быть, вы умеете копить средства? Поделитесь личным опытом.
Это конкурс комментариев. Напишите свое мнение в комментариях к этому посту. Итоги подведем 4 августа, после 18:00 UTC. Авторы трех комментариев получат по 1 Steem.
Всем удачи и хорошего дня!
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Many people around me are struggling to make ends meet these days. There are many things that can be done to help, but the first step is to make sure you know how much money you're making and how much you're spending. If you have an emergency fund, try saving up for it before you start spending. If you're living paycheck to paycheck, it's important to prioritize what you need most and what's worth spending money on.
Bigger a peg than a pole is an Indonesian proverb when someone can't manage their finances. More expenses than income. And I have experienced it many times in my life. There are many needs that cannot be postponed, such as children's school needs, medical treatment, and so on.
But I'm grateful to be able to cover unexpected needs with savings from the remaining money for my small kitchen needs. To be sure, whatever is left will go into a special piggy bank. And it's always helpful when I'm short on income.
Salam @dhafwa Indonesia
ABOUT ME
I live within my means, but it's so hard with the situation of the economy and trying times such as sickness. It's even hard to save up and it's necessary to do so, incase of emergency. Even investment is an issue now, due to earns can't even keep up daily expenses talk more of investment. A budget should be made based on your monthly expenses and check if it will correspond with your earnings and if there is a little feedback, it should be saved for emergencies or investment.
A scale of preference should be made for expenses ranging from what is needed most to the least items needed, priority preference should be handled, what is the most pressing needs, then the most pressing needs can be taken care of first before other needs can be checkmated.