[EN/PT-BR] Financial education: always save a little of what you earn

in Hive Learners6 months ago

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The subject of finance is always important for an adult's life, because we know how we need to work to support a family or just pay the bills, regardless of whether we are single or married, if we want to live well and enjoy the things in life, we will need to work to get paid to do just that, live.

It turns out that each person's life is a different situation, some have so much money that they don't need to learn anything, others are average and others still have a more complicated life, where the money earned is not enough to pay all the bills or in this case more drastic, simply surviving in this world, where every day it makes life even more complicated for people, with issues of more expensive taxes or new ways of taxing this or that, therefore, financial education is necessary to be able to try to play this game more cleverly.

There's one thing I've learned well, in recent years and with Hive, it's about saving the money we earn, the resources that come from here or anywhere else, you need to separate it from your main account, because something happens to me that I don't even know how to explain it well and I think with many others too: if there's money in the account, we spend it without thinking, with me it's like that, even though I don't want to spend it, I see the balance in the account and the excitement comes, so this is the first danger that we must do everything to avoid.

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I mistakenly didn't do this and gradually I realized that even though I earned my money from paid work and combined it with the little bit from Hive, I still insisted on not having much left, so I finally came to the conclusion that you need to take some of what you earn monthly and put it somewhere else, be it a second account at the same bank, or better yet, even put it in another bank and pretend there's nothing there, just let it accumulate and save it to make an emergency reserve or create a piggy bank for save for a future goal.

With that, I decided to take 10% of my salary when it arrives in the account and put it in a piggy bank outside the main account. If I still have a little more money left over during the month, I make a point of saving more. With this, I gained better financial security, feeling more secure in case things get tough and my salary isn't enough for the whole month, so I take some out of that piggy bank and pay a fixed bill or spend it at the market buying whatever I need. whatever it takes for my home or my family.

Another thing that I learned to put into practice with more emphasis is the act of not buying too much of things, for example, you are hungry and want to eat something fast food, let's imagine it is a sandwich that you want to eat, instead of Buy 2 or 3 (depending on your size), maybe just 1 will satisfy your hunger. I realized that we are often satisfied when consuming little food or liquids, but for some reason we still try to push more and more things into our body, in all this, we spend more money and it can still cause health problems that will ultimately make us sick. spend even more.

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So, I think of it this way, I'm not prohibited from eating well or eating a lot, if I think that two huge sandwiches will satisfy me, then let me eat them, but if I'm sure that just one is enough, why try to eat two? To spend and waste? So, we have to think carefully before just buying things and analyze whether we really need a lot or a little of it.

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O assunto finanças sempre é algo importante para a vida de um adulto, pois, sabemos como precisamos trabalhar para sustentar uma família ou apenas pagar as contas, independente se somos solteiros ou casados, se queremos viver bem e aproveitar as coisas da vida, precisaremos trabalhar para receber um pagamento para fazer exatamente isso, viver.

Acontece que a vida de cada pessoa é uma situação diferente, alguns têm tanto dinheiro que não precisam aprender nada, outros estão na média e outros ainda possuem uma vida mais complicada, onde o dinheiro ganho não é suficiente para pagar todas as contas ou no caso mais drástico, simplesmente sobreviver neste mundo, onde a cada dia complica mais ainda a vida para as pessoas, com questões de impostos mais caros ou novas formas de taxar isso ou aquilo, por isso, uma educação financeira é necessária para podermos tentar jogar este jogo com mais esperteza.

Sê tem uma coisa que aprendi bem, nestes últimos anos e com a Hive é sobre polpar o dinheiro que ganhamos, os recursos que vêm daqui mesmo ou de qualquer outro lugar, é necessário que você separe da sua conta principal, porque comigo acontece algo que nem sei explicar bem e acho que com muitos outros também: se tem grana na conta, nós gastamos sem pensar, comigo é assim, por mais que não queira gastar, eu vejo o saldo da conta e a empolgação vêm, então este é o primeiro perigo que devemos fazer de tudo para evitar.

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Eu erroneamente não fazia isso e gradualmente fui percebendo que mesmo ganhando meu dinheiro do trabalho remunerado e juntando com o pouco da Hive, ainda teimava em não sobrar muita coisa, com isso, finalmente cheguei nessa conclusão de que é preciso tirar um pouco do que você ganha mensalmente e colocar em outro lugar, seja uma segunda conta no mesmo banco, ou melhor, até mesmo jogar em outro banco e fingir que não tem nada lá, só deixar acumular e ir guardando para fazer uma reserva de emergência ou criar um cofrinho para ir guardando para um objetivo no futuro.

Com isso, defini tirar 10% do meu salário quando cai na conta e colocar em um cofrinho fora da conta principal, caso durante o mês ainda sobre um pouco mais de dinheiro, faço questão de guardar mais. Com isso, conquistei uma segurança financeira melhor, me sentindo mais seguro caso as coisas apertem e o meu salário não de para o mês todo, assim, tiro um pouco desse cofrinho e realizo o pagamento de uma conta fixa ou gasto no mercado comprando o que for preciso para minha casa ou minha família.

Outra coisa que aprendi a pôr em prática com mais enfase, é o ato de não comprar demais as coisas, por exemplo, você está com fome e quer comer algo de fast food, imaginemos que é um sanduíche que você quer comer, no lugar de comprar 2 ou 3 (dependendo do seu tamanho), talvez apenas 1 já satisfaça a sua fome. Percebi que muitas vezes ficamos satisfeitos ao consumir pouca comida ou líquidos, mas, por algum motivo ainda tentamos empurrar mais e mais coisas para dentro do nosso corpo, nisso tudo, gastamos mais dinheiro e ainda pode causar problemas de saúde que irão no fim nos fazer gastar mais ainda.

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Portanto, penso dessa forma, não estou proibido de comer bem ou comer muito, se acho que dois sanduíches enormes vão me satisfazer, então que eu os coma, mas, se tenho a certeza que apenas uma é suficiente, por que tentar comer dois? Para gastar e desperdiçar? Então, temos que pensar bem antes de sair apenas comprando as coisas e analisar se realmente precisamos de muito ou pouco daquilo.

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Most times we learn the hard way but it’s a good thing that you are sharing your experience with us and this will help someone not to end up making the same mistake as you.

Thank you so much for sharing 🤗

Life is an eternal apprenticeship and I'm grateful that hive has taught me some new things about finance, it's making a big difference in my life. There's a lot to keep learning here and I hope to gain more knowledge 😀

Yeah, we have so much to learn by just showing up everyday reading and writing on the hive blockchain ☺️

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@shiftrox, you are most welcome!

Very nice to read your personal opinion. Actually every one of us needs to save this. Saving is one thing that will play a big role in our later life and rescue from any danger. Very nice to read your entire block.

Thank you for your sweet words, that's what I think, I think the first great teaching of financial education is this, to hold on to money, to set aside an emergency fund in case something bad happens, or if we want to buy something in the future, to set aside a part of what we earn to go and buy that item. Saving/saving is the first step of many that we can take to change our financial habits!

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You are right thanks for your valuable opinion hope to talk about something nice next

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This was helpful, I happen to know someone who would buy something in large quantity and later throw some away, like you've said what's the essence buying two when you know you can't take all of them. Very helpful

Hello, good morning! That's what I think, we don't need so many things, sometimes we buy more to show something to others than what we really need. If I know that with just one item I'll be satisfied, I don't need to buy lots of items of something, I think that simplicity in this case helps us to save money.

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 6 months ago Reveal Comment

Hive has been a great teacher for me, I realized how wrong I was about a lot of things in relation to money and how I lived life in a "dangerous" way with money, now I think carefully before any operation with my hard-earned cash haha. Thanks for your comment!

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