Money is a game. We just need to understand it. Everyone wants money despite of it is needed or not. Nowadays, money is almighty. But we don’t understand that it is just a tool for fulfilling our desires, needs, wants and wishes. Money can make a person powerful and have the access to everything he can buy but he cannot be satisfied with what money he has till his last breath. We all want money to live a lavish life. This is the negative trait of money that how much you have you are never going to be satisfied.
Here, I will explain some legit simple points which you can implement in your life to be a good money maker and saver:
1.Save and invest: It is said by everyone to have savings and invest in things like shares, bonds, real estate, gold etc. It is absolutely right to do these two things to be a satisfied person. It is said that one must save atleast10% of his income or salary to have a better future, increase the percent according to your convenience. Keep a habit of saving to your child since childhood which will help him to have a better future ahead. Investing is a vast concept to understand. One should learn or acquire knowledge about finances before doing investments. By investing in stocks and bonds you can grow your money. By buying shares you can earn and grow your money until unless you have full knowledge about it. If you dive into it without acquiring knowledge then you are definitely going to be down and out. Everyone should start from small chunks of savings such as SIPs, mutual funds. You can use apps like Upstox, Zerodha, INDmoney, Vested, ETMoney, Grow, etc. You can easily start with these apps. They all are easy to use. Start from a really small portion of your money it might be Rs.500.
2.Emergency fund: It is extremely important to have an emergency fund for some unforeseen situations or expenses. If one person maintains this fund so he is sorted for his unexpected expenses that might be occurred in future. Start from small chunks to have an emergency fund which may help you in future as well as you might help others too.
3.Track your money habits: Keep a diary or journal of your daily expenses even if you are in a nuclear family or joint family. Make sure that you have written each and every expense that occurred during a single month and the other miscellaneous expenses of a single month. For example, food, groceries, maid, water, electricity, rent, etc. By doing this you will have a clear idea of making categories of money to get divided by your salary or income. It is the basic method of tracking your money habits.
People who are college students or working professionals, they can also make a list of their expenses so that they have an idea of how much they are going to spend , save and invest accordingly. So, you will be aware of not doing impulse purchases because many times it happens that we buy things that fascinates us for some time but later we didn’t even use that product or thing which leads to waste of money as an impulsive purchase. I will suggest to have expenses according to your lifestyle, don’t be extravagant or flaunt with what money you have. You can maintain lists in notepads offline or online according to your suitability. If you track your money habits on a regular basis so eventually you will definitely not going to be down and out and have a balanced lifestyle with sufficient savings and investments.
4.Personal development: It means spending money on things that adds value to your life that make you learn something. It might be a book or course. Invest your money that can make you learn about different topics for a better money saver like finance, stock market, etc. It is said that “the more you learn the more you earn”.
5.Insurance: One should have done insurance of themselves as well as their family members because life is very crucial and unpredictable. If you have life insurance or health insurance so you are all good for life. Make sure to have a note in your head as life goals for having health insurance and life insurance. You can also have insurance of the things that are really important to you like car, bike, etc.
ATTRACT MONEY
Network with people for attracting money because the more you have connections the more you have perceptions about money and things by different sets of people. Learn from successful people, learn from their failures the mistakes they did treat them as your learnings so that you didn’t face it in your life. Share the knowledge you have the more you share the more you will get to learn about different things from their suggestions and feedbacks. Never depend on a single income always make sure that you are earning enough to help others with that money. In the end, I want to say that be grateful with what money you have don’t crave for more unless make efforts to make that craving as your side income.
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## A Brief History of Harvard University
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