Tag: money

Saving for the future

Mia1 Comment

nest of eggsAlways have a backup plan. Saving for the future. So if things get tough, there’s always some money to live on. What I learned from my mother was how to save money and to build that nest. I know the value of money and I only spend what I can afford. I don’t buy things I don’t really need. I don’t drink and I don’t smoke so I save a lot. Since I was a child I’ve had different savings accounts. Even if you have a family to support, it’s always good to have a backup plan when it comes to finances. I also save money when I make my own meals. Buying things on sale is good too.

It’s easier to save money when you don’t have a regular income. You can’t spend on expensive things. You can’t travel as much as you like.  Sometimes it would be nice to see places but the money is always the problem. It would be good to have a goal when it comes to saving money. There are gremlins creeping up in your mind when you can start spending money on something you can’t really afford. When I get that feeling, I try to think if I really need it. I think about all the negative things and then that spending money goes away. Money doesn’t grow on trees and you need to do something to earn it. When you don’t have enough of money, you learn to save it.

When I was a child I didn’t get pocket money every week. I had to do chores if I wanted money. I never had to ask for it either. Some parents give money to their children even if they don’t have to do anything at home. You never learn saving if you get anything for free. The value of money is learned from a young age. You should never take it for granted. You might have money now but it can disappear as fast as they come. Saving for the future will save a person from a lot of trouble. It doesn’t need to be a big sum that you put in a savings account. Investing your money will grow in interest and you feel more secure in your finances. The worst feeling is not having money at all. In the end, all the money you need is for food and shelter. The rest is just a bonus.

(these are not actually financial tips, it’s just an experience of mine)

Never sated enough

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rubels

No matter how much you tell yourself material things doesn’t matter, it actually does. Only if you live in poverty, you realise you can live without it. I just don’t want to be in that situation. I have never had lot of money nor my parents. I learned to save. I can thank mother for that. I only buy things that I actually need and can afford. But you never know when you don’t have money. Bad luck can strike anyone so it’s better to be safe than sorry.

Recently I have spent too much money on material things and that concert ticket. But I’ve only bought things at discounts but that’s still not cheap. I never liked shopping in stores so online shops are heaven. I mostly buy music and movies. Sometimes t-shirts but that as far as clothes go. I rather buy them in stores than online. I still buy CD’s and DVD which I’m never sated enough of. I actually prefer watching movies from a disk. Earlier this year I bought a player where you can watch both Blu-ray and DVD’s. I don’t see the difference between them. I think they quality is the same. But that’s not the reason I buy Blu-ray. Because sometimes there are more extras in them than on DVD’s. They’re more expensive but not that much. Besides they always go on sale half price when the movies gets older.

Right now I got 62 DVD/Blu-ray altogether if you don’t count TV series and extended versions. That’s a whole other list. I’ve seen almost all expect the latest I bought recently. If you look at the list I made in IMDB, the 6 last items are new. Two of them are Swedish movies I watched when I was a kid. You can tell a lot about a person what kind of movies they watched. I have quite a lot of fantasy and action/drama movies because I’m always been fascinated by them since I was a child. Maybe that’s one of the reasons I have a good imagination. It’s not from books for sure since I don’t read them that much. I prefer movies. Some of the DVD’s I own are movies I’ve seen on the movie screen.

But then there are movies I’ve never seen but yet I bought them. Why you ask? The reason is the actor. I usually don’t choose movies to watch by looking who’s in it even if it helps. But this certain British actor, what words should describe it, melted my heart. No it’s not Benedict Cumberbatch even though I like him a lot too.
It’s Tom Hiddleston. I’ve never seen any movie he’s been in. No even Thor and those Marvel movies. The only thing I’ve seen him in The Night manager mini series. I wouldn’t say it was the greatest but not bad either. The reason why I watched it was because Hugh Laurie was in it. But Tom was a gorgeous bonus. Which he is. Actually he’s the inspiration to my poem Smokin’ hot. Don’t think I only go for his looks. I’m sure his acting skills are great too. I only have to watch these movies before I can judge. Honestly I didn’t even think much of him before until I saw the TV series. It takes a while for me to like something and when it does strike, there’s no turn back.

There are things money can’t buy. You don’t get sensible money spending until you learn the value of money. Only spend what you can afford. The problem begins when you loan money from the bank and you can’t pay it back. You can’t buy common sense and that’s the most important thing no matter what you do in your life. If you don’t have that, no wonder people have debts up to their necks. As long as I have money, I’m sated. With that thought. I won’t be buying anymore DVD’s or anything else for that matter in a long time. There are more important things to pay than material things.

Money makes the world go round, not!

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rubelsThe Finnish version of “Who wants to be a millionaire?” is shown here on Saturdays. It’s the same one like the original but in Finnish. The question is always “Do you want to become a millionaire?” So far no one has even been close. Another question is, if you win a million, what would you do with it? The same question with lottery.
Maybe you should win it first before knowing what to do with the money. In a way that’s a silly question. How would you really know if you don’t have that kind of money in the first place? Why is money such an important thing in the world anyway?

I come from a working class background. My mother had temp jobs and then she was unemployed. My father was working in a company that made jewellery until he became self-employed in the same occupation. He still makes jewellery even if he’s on pension. Even if we weren’t middle class, we still had food on the table. My mother taught me how to save money and how to buy food or clothes from a discount. I’ve learned the value of money. That’s one of the reasons why I wouldn’t want to be a millionaire. I only need enough money to live my life. Money doesn’t make you happy anyway. It’s just something you need to survive.

I never dream to become a millionaire. Like The Notorious B.I.G sang ‘Mo money, mo problems. I wouldn’t even know what to use that kind of money. I would probably give it away to things that need them more. Besides if you’re rich you have to pay more taxes. It also brings people to you that want to become your friend because you got the cash. There would be a lot of fake people around and life is too short for that. Sure you can travel, buy fancy clothes and all those unnecessary things you think you need but it won’t make you fully happy.

You don’t need a million euros, dollars or whatever your currency is, to be something. You don’t need to buy anything expensive. All you need money for is paying the bills, buy food and clothes once in a while. It’s only the rich people who think they need all the money they have. There’s so many homeless and poor people in the world but the greed is too strong so the unfortunate doesn’t have a chance. Money doesn’t make the world go round, it’s the people who makes the money go round. Money shouldn’t be the most important thing in life but unfortunately some think that’s the only thing. But their life must be empty anyway.

It’s much easier to appreciate money when you haven’t had it. You’ve learned to save some and use it sensible. Spending time with other people is more important. Having at least one person in your life is like having millions. With money you can buy things but it doesn’t buy you happiness.

 

Tallenna