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If you want to be financially successful in life, you have to master the art of saving money.
Well, by saving I don't mean holding on to every dollar you have, let's just call it the art of spending nothing more than you actually need.
The large majority of people currently have this problem, and it's one of the reasons why so many hard working, smart and talented individuals never become wealthy.
So, here are a few tips that you can start using today to save your money and use it for a better cause.
First.
Use the 30 day rule.
Whatever it is that you want to buy, write it down on a piece of paper and write the date next to it.
You have to wait at least 30 days before actually trying to buy it.
This helps to prevent impulse buys and also if you wait some time, you're more likely to buy the item at a reduced price.
Also often you will find that after 30 days, some of the items on that list are no longer interesting to you and you will discard most of them, essentially buying only what is useful and important to you.
Second.
Commit to paying yourself at least 10% of your paycheck every single month.
This is one of the lessons I've learned from the book The Richest Man in Babylon.
It says that riches and wealth start with saving.
The majority of people work hard, and when they get their paycheck, they usually pay everyone else but themselves.
They pay for the cable TV, pay for clothes they don't need, they buy a new watch, and by the end of the month they are left with nothing.
Instead pay yourself at least 10% of your income before you spend it on anything else.
If it helps, you can set up automatic deductions at your bank, so every month 10% of your income will be transferred to your savings account.
After a while, you will have money that is all yours, which you can use to build your side business or safely invest them in stocks.
You can check my other videos on the channel about how to build a side business and investing in stocks for beginners.
I'll post the links in the description down below.
Third.
Write a list before you go shopping and stick to it.
It's a fact that you are more likely to buy unnecessary items if you are shopping without a plan.
When you're without one, you typically end up making impulse buys and unplanned purchases, and those things cost.
So before you spend your hard earned money, carefully plan your shopping list and more importantly, stick to it.
Next.
This one is pretty simple but very powerful.
Cut off your television.
What you're essentially doing when watching Television is you're paying to watch something that was automatically served to you, and most of the time you had no intention to watch.
But on a deeper level you are spending your time.
Time can be money, and when you waste time you waste money.
So you are basically paying someone to lose money.
I don't know about you, but that is a trade I cannot accept, and I haven't watched TV for the past 4 or 5 year.
The benefits of doing this are enormous, you are getting your money back from the subscription you used to pay.
Less exposure to spending, inducing ads, a lower electric bill and more time to focus on other things in life, such as building your side business, reading and so on.
And finally.
Change your mindset from saving more to earning more.
It's easier to save more money if you earn more money.
This channel is all about improving yourself and learning as much as possible with the goal to have a better life.
So instead of focusing on saving as much as you can, shift your focus on how you can increase your skills and value.
So that you earn as much as you can.
But be careful to not fall into the trap of spending more just because you earn more.
I've seen so many people get a raise, they instantly feel good and later they spend all the money.
So in the end, it's just the same as if they didn't got the raise in the first place, they're left with zero.
Don't be that guy.
Even if you get a raise, or suddenly find yourself with extra money, keep your expenditures the same.
So read, grow and learn as much as you possibly can.
Combine that with the tips from this video, and I guarantee you in no time, your savings will start to increase rapidly, offering you options to invest them in your future, or just feel more secure and confident.
Hit that like button if you liked the video, and share it with someone you think will find it interesting.
Anyway, thanks for watching and I'll see you next time.
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寫購物清單可以省錢?快速存錢的小技巧 (HOW TO SAVE MONEY FAST - 5 TIPS FOR SAVING MONEY)

3604 分類 收藏
Julia Kuo 發佈於 2019 年 5 月 16 日    Julia Kuo 翻譯    Evangeline 審核
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