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Thursday, 20 May 2010

Saving

Many people do spend more than what they earn, that's why they can't become a rich person. But spending is not a bad thing for the country because it can boost up the economical growth. When you spend more, you can boost more!
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So what is it got to do with saving? Yea, nothing to do with it. It is exactly the opposite of spending only. While I was walking in the shopping mall today, this guy from XXX-bank approached me to promote a new type of saving with can earning big money within 30 years. When it comes to money, I am really interested in it. But after awhile of chit-chatting, I found out that it is nothing to do with saving. It is actually a kind of safe investment like mutual funds. Ha-ha. How do you define saving when you need a sum of money as a modal for you? And moreover, it needs you to put a certain amount of input every month to ensure that your account doesn't run dry.
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As a student, I will never think of doing big investment now. Because I can say that I can hardly vomit a few hundred ringgit out every month to put into a bank account. Saving is actually all depends on yourself. It is whether you have the determination to save or not to save. It is simple as that. If I can give you this amount of money today, this doesn't mean that I can give the same amount next month. It can be less, very reluctantly it can be more. What the concern in today's world is actually people does not really know how to save. I am sure that many people will have the mind-set that if I can't save up today, I will do it tomorrow. But what if the same thing happens tomorrow? It will be a never ending story.
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If you are already 40 years old, will you ever think of when are you going to retire? I am sure you have already thought about it. But have you ever thought of whether you have sufficient money to sustain until you die? Recently, one of the European country did a survey on this. They found out that many people actually do not have enough money to sustain their life until they die. Ok, maybe many people have different opinion in this matter. Because I may not get married , so I have no one to take care of me in the future. Even though all these are assured for you, there is no harm to think about this matter.
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Enjoy and have a nice day.

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