Today I would like to share the experience of my savings just to smooth finish. Or start working to listen to it. Believe it or not that early. Of my work with the intention that every Months on how it will spend the savings on to future prosperity. The dreams of people who just have a job. It turns out that the idea of the cost savings that have made me into a person with a good salary, it is not only me. Or that have a gap And I can not save money at all. Later I read a book about saving money as "savings richer than before" the Stock Exchange of Thailand, was published by the author Nawaporn currency bearing the former Secretary General of the Government Pension Fund. The content of the book is the presentation of the concept of saving and investing it. Using simple language, this book, which made me think that if savings have to come back before then applied. Seems to be a way to make my money away, I began to "spare before the later" and in this way to this day, I have enough left over to invest to grow in order to have the money used. enough for retirement.
Many of you who have just graduated, do not know how to start planning for retirement. I have a trick (not) secret. Ideal for those who start. Are repeated below.
Discipline by withholding 10% of revenue is kept as savings each month or whenever you have to. Must be at least 10% are routinely and regularly used the rest to pay. If you have the discipline to save money, as I have said earlier. You can only achieve their financial goals faster.
Bookkeeping get paid weekly or monthly basis, this method is the simplest. And we know the cost carefully. You can evaluate the use of their own money every month. But some of you may choose to receive a daily account it. If you have enough time. But I chose to do it weekly. I sometimes forget to do daily. Or I do not have time.
Consciousness in spending. Especially regarding the use of credit card, such as if you want to buy a bag. Or expensive items. Using a credit card is asked to suspend or restraint. And keep the money until you can buy it at. Otherwise, if you make a habit of buying with a credit card or recklessness will make you more likely to be unable to pay its debts as billing period.
The reserve for emergencies. The time required to prepare for emergency use. This is the sum of money you have left after deducting expenses already. The person should have money in reserve for an emergency, at least equal to the cost per month to 3-6 months, this provision should be retained in the model with the least risk. The liquid to be drawn out when we want to use as a savings account. Or money market funds that can be redeemed at any day.
The risk of life. By insurance. To prevent the risk to you and your family. If you are the main force. Or are the main income for the family, life insurance is even more imperative it.
Knowing your investment. To get a greater return on bank deposits and beat inflation. The risk that they receive. You should also explore whether risk is much that is, if a particular investment. Within a certain time period. If you have a chance to lose money in exchange for results to be returned. You will need to have money without trouble. Will ask you to remember that all investments have risks.
All that said, I hope the reader will take something different. These are used to start the deal. The initial investment to achieve the stated goals. And important for the reader to take the time to fully learn about investing, not sure if I search for answers from expert financial investment. In order to understand it thoroughly before investing.
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