3 reasons office workers “NO” can save even though their salary is stable every month
1. Stable income = Being able to spend money arbitrarily
The reality shows that some office workers, despite their relatively high salaries, ranging from 10 to 15 million/month, still cannot save any money, or have very little. What these people have in common is that they are not interested in tight spending controls. Money that is used in this way is called “delayed money”.
“Late money” is a term that appeared in the book of famous American financial advisor David Bach and although the amount per transaction is small, it is an amount that is randomly spent on a daily basis. .
As an example, I would like to introduce the following friend’s case. There is a famous “coffee shop” near his workplace. He buys a full-size coffee in the morning and after lunch. If he spends about 100k/day, for 25 days a month, the amount he spends on coffee is 2.5 million. And it’s 30 million/year. This amount is enough for you to have a comfortable 6 day 5 night trip.
Besides, it would be dangerous if on the way home he saw a convenience store. Sometimes he buys chocolates and other sweets in front of the cashier without needing or planning ahead.
Office workers are often quite tired because they have to sit in one place. They have a need to go shopping to satisfy themselves after a working day. They rarely care about this late cost. That’s why it’s hard to save.
2. Criteria for buying things are not clear
The second most common habit is buying dubious things. In other words, there is no standard for how money should be spent, so it tends to get swept up in our habits and emotions.
Example: I joined the credit card because of a sales talk with a customer, and I continue to pay unnecessary joining fees and annual membership fees without using it. In addition, when you go shopping with a friend, maybe because of your relationship with them, when you see your friend buying clothes or bags, you have the mentality of wanting to buy them too.
Even without being influenced by my friends, I am still fascinated by the shopping atmosphere around me and as a result buy impulsively because it is “cheap”. I see that many clothes have never been worn.
What’s more important is “whether you need it or not” than “whether you want it or not”. When you’re shopping, having a clear “necessary” criterion can help you reduce unnecessary spending and impulsive purchases.
3. Spending money because you’re too busy
The third most common habit of office workers that keep them from saving money is because they often have to spend money because of the busyness and complexity of work.
For example, you feel busy with work on weekdays, so at the weekend you want to give your body a break instead of having to fuss over your spending to improve your budget. Because that continues to give you headaches.
Understand that if you want to save money you have to think about it. With a little care and thought about money, you can change from “a person who doesn’t save money” to “a person who saves money”.
The solution is as follows:
If you can’t save money, focus first on what you spend and how much you spend. Also when it comes to saving, many people start out vaguely with no purpose. Instead, it’s important to think about what types of expenses are likely to happen in the near term and plan your savings according to purpose.
It is a good savings method when instead of using the balance in spending each month to save, you have to save from the beginning, as soon as you receive the income and live on the remaining money.
Depending on how you spend your money, lives will be created. Money is the mirror of your life. Improve the habit of not saving money and change your own life.
According to aeonbank
at Blogtuan.info – Source: Afamily.vn – Read the original article here
