5 CÁCH NÀY SẼ GIÚP BẠN TIẾT KIỆM NHIỀU TIỀN HƠN MỖI THÁNG
22 thg 9, 2023
It's saving every single dollar that you make until you have 1 million dollars
It means that we can save every single dollar we make until we have 1 million dollars
1 dollar save and 1 dollar earn
It means that we only need to save 1 dollar and we already have 1 dollar
Hello everyone, welcome back to my channel
In today's video, I'm going to share with you the 5 most practical ways
that you can apply to save more money every month
And the author of the book Chà giàu chà nghèo, Robert Kiyosaki, said
It's not how much you make, it's about how much you save
It means that it's not about how much money we make, it's about how much money we can save
And it's because of this theory that we can see that
with only 1 or 2 million, we can still live very well when we're a student
So in the future, even if we increase our income to 10 to 15 million
not to mention the impact of the pandemic, we won't have enough money to save much
And according to a study, when we increase our income, we tend to spend more
And because of this difficult time, the pandemic and the economic downturn
has exposed quite a lot of people because they didn't prepare well for this situation
And when they started making money, they didn't think about saving money
And now they're having a lot of financial difficulties
Today, I'm going to share with you 5 ways for us to save more money every month
The first way has to do with our mindset
It sounds a bit confusing
It's the story that you will have a reason why you need to save money every month
Every time I talk to someone to ask about their income
Of course, these questions are private
so you won't give me a specific number
However, when I talk about whether you save money every month
you often ask me why you need to save money
while your salary is very good and everything is fine
However, because the theory is to pay yourself first
I see that many people don't apply it
And it's because of the story that when people don't have a reason why they need to save money
so they don't think about putting money in their savings account every month
When we start thinking about the reasons why we start saving money
it may be the story that you want to fix something
Many young people start thinking about the story that you can buy a house or a car
Personally, I don't think about it that much
I just think that with the money I save
I can use that money to buy more freedom every month
And no matter what reason you have for yourself
It may be because we are in a situation where we have to save more
or we need to pay the interest
It may be the amount of money we have saved when we were in college
We have saved money in the bank and then we pay the student debt
And no matter what the reason is, when we start thinking about the story
that is why we have to save money first
then we will have the motivation to do that
And my advice, as well as some financial experts
some financial books
we will think about saving 10% of the money we can get every month
Remember, about 10-15% is a suitable number
It's not that we earn 10 dollars and we save 8 dollars
and then we eat, drink, sleep, and work hard
This is the first thing we have to think about
that is why we have to think about saving
and then the amount of money we should save
is about 10-15% of your monthly income
The second step we need to do
is that we have to start cutting our monthly expenses
How?
I made a video to share with you
how I manage my personal finances every month
We will start tracking the expenses
Every month, all the expenses
all the expenses that make our money flow out
we have to track all of those
and don't underestimate this
When we start thinking about the story
and tracking those expenses
then we start to divide the expenses into each month
And for example, you will have some essential expenses
such as house, electricity, water
You will have some additional expenses
such as investing in video
or investing in running
You will have some giving
which is the amount that we can help others
help your family, your loved ones
or some expenses for other items
depending on your life
And when we start tracking those small parts
then we start to think about the expenses
that are really necessary for our life
There are some that are not really necessary
that is, whether there are or not, it doesn't affect our current life
Then we will start to think about
getting rid of such expenses
And don't underestimate tracking like this
because you will see that there are small expenses
such as inviting someone for a cup of coffee
or sometimes buying a shirt
or buying a phone number
or sometimes you will use your money
for something that you will never think about
when you add up all that money
It's that big
So when we start to think about the story of tracking
each expense in each day
and we divide it into such items
then we start to know that
where is the money we earn going?
And when we have such a clear picture
then we start to think about the story of cutting down on such expenses
Because we cut down on expenses in our life
we can save more
A typical example
For example, do you really need to live alone
in a house or a room for 2.5 million a month
to get the convenience or not?
Or for example, like me
I spend 30 minutes a day on coffee
I spend about $1 for each cup of coffee
which is about 23,000 to 25,000
How much did I spend in total for a month?
Or all the small expenses
like sometimes you go out with your lover
or buy your crush a gift
and you don't track those expenses
then after a month
the amount of money we earn
because we don't know where it goes
so we wonder
why our salary is not low
but after a month
we get not much
I really understand the story
that we always try to keep up with the current society
when people are trying to show off what they have
like having a house, a car, a beautiful watch
a good phone and all those things
However, when we think about those stories
before we think about how to keep up with the outside society
we have to be more realistic
about our income
Is a pair of shoes worth 3-4 million?
Does it fit our income?
Or are we influenced by other people's words
that if you have that
you will become a different person
you will reach another level
because that is also a very dangerous thing
and I see that a lot of people
just hold their phones like this
just swipe like this
and see beautiful things
then they naturally have a desire
and actually everyone has a desire like that
everyone just wants to own more
However, when we stop it
right before we do it
by unfollowing those pages
or those shops
or those places
that make you
spread those gossips
then you should get rid of those
you can even think of the story
to stop using the internet
or stop using Facebook for a while
so you can save the money
that you earn every month
For the third way
that you can apply directly
is that you start to get rid of debt
I don't know if it's the debt
that you borrow from your relatives
or maybe you borrow from a bank
with some kind of credit conditions
or you borrow from some places
where they set up your credit card
and you will pay back every month
you will pay back a lot of money
and that's why I'm so afraid
to buy goods
in the form of payment
or offers
in the form of
you can pay back this item
or you can
I give you money
so you can borrow me
then you can pay me back later
because that's the story
you can imagine
like our money
we have a kind of blood flow every month
and when there are such debts
it keeps cutting off a little bit
then our blood flow
flows out
and gradually our body will get weaker
in the same way
here I just want to talk about
the psychological level
usually when we start to have debts
and we have debts like that
instead of paying off debts every month
we usually tend to
we want to spend more money
by borrowing debts
and those are the words of
financial companies
of banks
or financial institutions
people start to look for you
so they can give you some offers
and it's not difficult for people to know
what needs you have
and they can give you some invitations like that
and I tell you
that people who do business
with the money they have
that is, people bring money
people do business like
selling money like that
those people are extremely smart
and you should avoid such people
and that's the way
I want to share with you
in today's video
is to start thinking about
getting rid of debts
by listing all the debts
you have in a month
and listen to me
start paying off the smallest debts first
until the big debts
I have met many people
come to me and ask me
how to pay off all the debts
that I have borrowed before
before I started my career
and I did some
I also borrowed debts
I also borrowed some close people
as well as sometimes I also touched
some debts
that are not very beautiful
however, when I started
I started to think about
how to pay off those debts
the first thing I did was
I would write down those debts
and I would think about
what debts I could pay off before
then I would gradually go there
and forever in 2020
do you know?
forever in 2020
there are still people looking for me
to ask for such debts
and people start counting for me
however, I feel very ok
that's it
because actually
those debts
I should pay off for them
because when they start
they give me some money
then somehow
they start to believe in me
then I should think about
how to pay off those debts
this is the third way
I want to share with you
in today's video
coming to the fourth way
I want to share with you
in this video
to save more money
in addition to the fact that
we pay off those debts
in addition to the fact that
we start to calculate debts
we think about the story
that we will increase
our labor output
the first thing I want you to do
is to sit down
and draw all your income
how much is your monthly income
maybe it's the income from the salary
that is, every month you get
the salary
then you can do something
like a freelancer
or you can be an employee
or you
in any amount
you can get income
every month like that
and when you list all
the income like that
I guess you will
start to be surprised
with yourself
because you don't have
a lot of income
and this is another trick
of mine
when you start thinking
about saving more money
that is, you try
to do something
to be able to draw
more income
every month
and usually people
often think about 2-3
income sources
for our young people
but you know
that the people
who are really rich
they have a lot of income
5-10 income sources
from the bank
pay monthly
from the business
for renting a house
from the business
coffee shop
or from
any amount
that people
have such income
and the trick
of these income
that is
it can include
other income
for example
I'm making a video
on youtube
I can earn
a few hundred dollars
from making
video advertising for you
but I have to
do more business
then I will have
another amount
or I do some
sponsorship deals
or some other income
from doing
something like that
then you completely
see that
the thing we should
think about
in addition to
our main income
is such a fixed amount
then we will
have some
like that
and you
don't be afraid
to be able to
work when
we are young
because the only
way to
make money
is to
work
from
5 am
to
4.30 am
or 5.30 pm
so from
5 pm
to
11 pm
actually
you often
think about
such amounts
I don't know
if you have
a good foundation
according to
your family
you have
a background
have a very
good background
in finance
I don't say
but for people
who have
3 jobs like that
I rarely have
a job that
I just wait for
that job
to have money
from that amount
but I always think
that ok
so this job
I have spent
8 hours a day
to be able to
make money
so about
8 hours of sleep
8 hours left
in addition to
eating
giving other things
so we will
spend the rest of the time
to be able to
make more money
like that
I still remember
when I started
my business
as a salary officer
I still had a job
that was
freelance
not really freelance
but it was for
a boss
from Turkey
to be able to
pay the salary
by day
like I would
go to the factories
to be able to
translate for him
and another job
was to sell
those goods
and I was not afraid
in the story
that I spent
the night
to ship goods
to customers
to be able to
earn more
income
although it was
very small
but it was
enough
to cover
the other income
and from the income
like you only need
the extra income
to pay for
house, electricity,
water every month
then our saving
ability
to save
a lot of money
every month
is totally possible
so this is the
4th way
that you can
think of
which is
to find a way
to increase
your labor
output
and instead
of thinking
about how
we can
do 15-20,000
per hour
we should think
about how
we can
do more
products
to be able
to eat
as much
rose as possible
which is
a very
beautiful way
which is
we can
scale up
not waiting
to do
2 jobs
at the same time
like you do
8 hours
this
and 6 hours
that
then we
don't have
enough time
to think
about how
we can
save more
money
every month
which is
I want you
to review
all the things
you have
in your family
in your house
see what
you haven't
used in
a long time
in a few
months
or years
think about
flipping those
things
to be able
to save
money
this way
I was quite
surprised
because
there are
quite a lot
of people
who have
a need
they will
only need
such old things
to be able
to use
and when
we have
quite a lot
of things
we usually
tend to
want to
buy other
things
to fit
what we
already have
for example
I want
to buy
a pair of
red shoes
and I
want to
buy a
pair of
blue shoes
and I
want to
buy a
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