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  • As a child, I used to save

  • every coin that I would get my hands on

  • in this ghullak, a.k.a...Piggy Bank

  • and write across it what am I saving it for.

  • It usually used to be for novels.

  • Because of this, I was labelled in my family as the

  • Ultimate Saving 'Guru'.

  • But then, adulthood happened

  • and I realised that I need to save a lot more

  • for things that are far more expensive than

  • the 6th Edition of Harry Potter!

  • I wouldn't say I am reckless

  • but as an adult, every time I'd get money

  • I would have this itch of spending it somewhere

  • because I did not know how to handle it,

  • especially when everybody around me was selling me something.

  • So I read a couple of books, spoke to some financial gurus

  • and I discovered that I can save a lot

  • only by making a few changes to my lifestyle

  • and thanks to those changes

  • today, I have a house

  • and I even saved for the future of my family

  • and today I am going to tell you exactly how!

  • So it doesn't matter if you are a Student or a Home-maker or a Salaried Employee

  • the sooner you start, the better.

  • So in today's video we are going to discover 5 unique ways to save money,

  • things that you must do on the 1st of every month.

  • But most importantly, towards the end, I'll give you a Bonus Tip

  • to ensure that the money you save grows automatically

  • so that you and your family have a comfortable present and future.

  • But before that, if you like me or if you like what I am doing

  • then make sure you hit that 'Like' button.

  • Let's begin.

  • Don't take salary loans, avoid taking credit cards, yadda yadda yadda...

  • I'm not going to bore you with the obvious.

  • You are an Urban Fighter and I trust that you are smarter than those people

  • who spend money that they don't have

  • just to buy the latest phone or 'Limited Edition' hoodie.

  • So let's dig deeper and discuss the 5 real methods

  • to save money.

  • #1: Don't use money as a distraction.

  • Let me explain.

  • There was a time when I was not going through the best phase of my life.

  • On one of those bad days, I went window shopping

  • and on a well-lit mannequin, I saw this dress

  • with a price tag that said.....10,000 INR.

  • I know it's crazzzzzyyyy

  • and I swear before swiping the card, I hesitated

  • but I really needed something to make me feel better

  • and I was hoping that this dress would do it.

  • The problem is, these days we are spending money

  • to distract ourselves temporarily

  • from the stress or the pain that's there in our lives.

  • That's why the junk food, cigarettes, impulsive shopping

  • or that expensive cup of coffee

  • so that we feel a little bit better on a crappy day.

  • Isn't that correct?

  • Now, I don't want to sound Kanjoos

  • but let's do some Maths here.

  • Suppose you spend Rs. 200 on a distraction everyday.

  • If you save it instead, then

  • 200 X 30 will give you Rs. 6,000 per month.

  • If you invest this money somewhere, let's say Mutual Funds

  • then after 5 years, it will give you 4.9 Lakhs!!

  • And imagine the travel that you can do with this money!

  • Hey, I am nobody to give you any advice.

  • I spent Rs. 10,000 on this piece of cr*p

  • but now I know that spending money will not solve my problems or my pain.

  • But I found a way to convert my pain into money

  • and I'll tell you how in point #5.

  • #2: Pay Less.

  • Look, I am not asking you to bargain.

  • Infact, I find it heartless that people

  • bargain with local vendors for Rs. 10/-

  • holding a Rs. 80,000/- phone.

  • But there are some smart ways to reduce your monthly expenses.

  • a. Car-Pooling

  • Whenever you are travelling, use Uber-Pool, Ola-Share

  • or find somebody in your building who goes to your office.

  • You will save money, you will save the environment

  • but most importantly, you will receive all of our blessings...

  • becase you will reduce traffic.

  • b. Cook at home.

  • I know I am asking too much but hear me out.

  • Rs. 50, Rs. 100 for Breakfast, Rs. 150 Lunch,

  • Rs. 50 Snacks, Rs. 200 Dinner amounts to...

  • too much

  • and I am being lenient with the prices here.

  • I have despised cooking for 30 years of my life until recently

  • and you can't believe the amount of money it is saving me now.

  • Plus, it is easy, healthy and believe it or not

  • a great stress-buster.

  • If you want to learn cooking like I did in just 5 days

  • then check out this video.

  • I've left the link in the description.

  • c. Cancel subscriptions that you don't need.

  • Like any beauty boxes, magazines..

  • I recently got my cable removed

  • because a) the news is toxic and

  • b) the serials insult my intelligence

  • I mean...what's happening here?!

  • *May be you won't recognise me today..

  • but this fly.....is your very own Simar* (Facepalm)

  • So these were the 3 that I knew of.

  • I am sure you know of other ways of saving money

  • like carrying your own bottle, buying in bulk

  • or squeezing every last bit of that tooth-paste.

  • So comment and let me know what are your ways of saving money

  • so that all of us can follow you.

  • #3: Maintain Records.

  • Suppose you buy a Mixer Grinder

  • and it stops working after 1 month.

  • Now, if you don't have the bill and the warranty card

  • won't you be wasting money on the repair?

  • Infact, just yesterday I returned a steel okhli

  • to a grocery store worth Rs. 340/-

  • because it turned out to be rusty

  • and thankfully I had the bill.

  • Anything money related should be saved and organised.

  • Not just bank and investment details but also Bills and Warranty Cards

  • which is why I maintain separate files

  • for Bills, Bank Stuff and ofcourse..

  • Warranty Cards

  • so that I don't pay for the manufacturer's mistakes.

  • #4: Invest in your Health.

  • Let's not kid ourselves....You and I are getting old.

  • And no hospital or medicine can get back a perfectly functional

  • heart,

  • brain,

  • bones,

  • muscles,

  • digestive system,

  • eye si..

  • Okay, stop.

  • But do you know what can?

  • Eating right and Exercising.

  • Don't lift 100 Kgs.

  • Just go for a walk,

  • play badminton, pick up cycling.

  • Find a workout that you enjoy and that's all it takes.

  • It will help you in 2 ways...

  • #1. It will save lakhs on hospital bills and

  • #2. You will be more productive and eventually, earn more.

  • #5: Invest in Yourself.

  • The best use of money is to invest in Self-Development.

  • But what is Self-Development?

  • Self-Development is solving what's causing you pain,

  • it's what stressing you out.

  • Let me explain.

  • If you are stressed about your job then instead of spending money on

  • cigarettes or impulsive shopping

  • use that money to take courses or attend classes

  • that will get you your dream job.

  • If you are stressed about gaining weight

  • then instead of eating more to forget about it

  • why not invest it in a workout that you love to do?

  • I used to be super-stressed at my old job

  • because I just didn't like it.

  • So I invested my money in joining public speaking clubs,

  • attending fitness classes, buying softwares to learn editing

  • and I updated my skills so that I shift my career.

  • And I am much happier than I was in my old job.

  • Isn't that a better use of money rather than using it as a distraction

  • like we discussed in point #1.

  • And who knows? May be the passion or the hobby

  • that you develop, might become your new source of income.

  • If you want me to make a separate video about

  • how to find your passion then comment below and let me know.

  • The best and the worst financial decisions are made on the 1st of every month.

  • So if you want to save money, then these are the things that you must do on the 1st..

  • 1. Pay your Bills

  • because you wouldn't want them piling up towards the end of the month

  • or worse...pay extra as fine.

  • 2. Set aside the amount that you want to save.

  • If you want to develop financial discipline

  • then this is something you must do on the 1st.

  • Now calculate your 'Everyday Kharcha' number.

  • Let's assume you get Rs. 30,000 per month.

  • Subtract your expense i.e food, rent, transportation..

  • Let's assume you are left with Rs. 15,000.

  • Now subtract the amount you want to save every month. Say it's Rs. 9,000.

  • Now you are left with Rs. 6000.

  • Divide that by 30...

  • which means that you can spend Rs. 200 per day.

  • So the 'Everyday Kharcha' number is a metric for how much you can indulge.

  • #4: Impose a Luxury Tax on yourself.

  • Suppose on a over-stressful day, you went ahead and spent

  • Rs. 2000 on junk food or alcohol or whatever..

  • then as a self-imposed Luxury Tax,

  • add 50%of that amount into the next month's savings.

  • So next month, Rs. 9,000 + Rs. 1,000 will go into your savings.

  • This Luxury Tax will keep a tab on your over expenditure

  • until you form a habit.

  • Now coming to the Bonus Tip..

  • but before I tell you that, make sure you 'Subscribe' to my channel

  • and hit that 'Bell' icon

  • so that I know you like me..

  • and also because I make Career and Finance videos every week.

  • Now what to do to make sure that your money grows?

  • There are a plethora of investment options available

  • but before you do any of that,

  • create an Emergency Fund

  • which is 4-5 months of your monthly salary

  • and have it accessible, like in a Liquid Fund or FD.

  • Do not touch this money unless it's an Emergency.

  • Now after you have created your Emergency Fund

  • if you want to know what other investment options are available,

  • their risks, their returns..

  • then check out this video.

  • It has everything you need to know

  • about getting started on growing your money.

  • I've left the link in the description.

  • As a kid, I have seen my family cut corners to make ends meet.

  • I have even worn used clothes of other kids, who were not a part of my family.

  • It's okay. I am not ashamed of it.

  • I was lucky that I had food, clothing and shelter.

  • Back then, saving money was the only option available.

  • But now, everybody is trying to sell us something..

  • food is super delicious

  • and swiping a card is so easy.

  • So we are spending a lot more than what we should

  • hoping that it'll make us happy.

  • But from what I have experienced,

  • true happiness is found in..

  • work,

  • in family,

  • even at the end of a workout.

  • So, invest in that.

  • On that note, I promise to see you again next week

  • until then..

  • If you miss me, you can catch me on Instagram

  • at @theurbanfight

  • and don't forget to keep fighting..

  • The Urban Fight to be Fit!

As a child, I used to save

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2019年如何省錢|有家庭要照顧,如何省錢? (How to Save Money in 2019 | How To Save Money When You Have a Family To Take Care Of)

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    up1217home 發佈於 2021 年 01 月 14 日
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