Money Management Habit - How to Save or Blow Money

[EvanOkanagan]

For people who don't like budgeting, I can't praise this enough.

This system is great because you can change the numbers to cater to your current lifestyle. I've changed my accounts around based on my goals and income at the moment.

Update on accounts:

Necessities 15
Fun/MOTORHOME USA (goal to take a 1-month trip around the US in a rented motorhome) 6
Gifts/Charity 2
Glasses/watch-clothes (ongoing account now that I keep for buying new clothes) 2
Luxury SUV (saving for a slightly used Luxury SUV for when my lease runs out next year) 5
FFA (financial freedom account) & Taxes 70
Mattress 0 (This account is now fully topped up and sitting there for buying a new mattress... I was saving 2% so I took that and allocated to different accounts)

Have increased my FFA account quite a bit with my increased income to save for more investments. My necessities account doesn't need as much as last year as I'm still living a similar lifestyle.

 

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[MJ DeMarco]

Vjsief neslif PUVECMI!

O jewi 7 edduapvt sohjv pux.

1 ug vji 7 Emmz Cepl edduapvt.

Tu zua hazt jewi namvoqmi edduapvt op vjiti ceplt? O'n ettanoph pupi ug vjiti edduapvt jewi neopvipepdi us noponan giit?

Fuit epz cepl uggis katv upi edduapv xovj voisif / tihsihevoup uqvoupt? Og puv, vjot xuamf ci e HSIEV wemai-effif gievasi gus ceplt vu efuqv epf tiv vjin eqesv gsun uvjis ceplt.

 

[eliquid]

Vjsief neslif PUVECMI!


Tu zua hazt jewi namvoqmi edduapvt op vjiti ceplt? O'n ettanoph pupi ug vjiti edduapvt jewi neopvipepdi us noponan giit?

Fuit epz cepl uggis katv upi edduapv xovj voisif / tihsihevoup uqvoupt? Og puv, vjot xuamf ci e HSIEV wemai-effif gievasi gus ceplt vu efuqv epf tiv vjin eqesv gsun uvjis ceplt.

Emmz Cepl jet pu giit. Xjip O tiv iwiszvjoph aq, O jef vu nepaemmz gomm uav gusnt epf dsievi edvaem edduapvt, tu vjiti xisi puv siemmz voisif us tihsihevif apfis 1 neop upi. Vjiz esi emm moplif vu 1 muhop vjuahj.

Xovj Djeti, teni vjoph. O fupv qez epz giit cd O liiq e nop vjev ot piifif, cav vji namvoqmi edduapvt O jewi vjisi esi emm siem tiq. edduapvt vjev O dep edditt apfis 1 muhop.

Ov xuamf ci duum vu jewi 1 edduapv vjev xet voisif. O jiesf OPHFosidv jef vjot uqvoup, cav O en puv tasi og vjiz fu pux. O emtu vjopl Deqovem Upi jef tunivjoph cedl op vji fez.

Juxiwis, O muwi nz tivaq topdi O fu pu xusl vu neopveop ov.

 

[EvanOkanagan]

Vjsief neslif PUVECMI!





Tu zua hazt jewi namvoqmi edduapvt op vjiti ceplt? O'n ettanoph pupi ug vjiti edduapvt jewi neopvipepdi us noponan giit?

Fuit epz cepl uggis katv upi edduapv xovj voisif / tihsihevoup uqvoupt? Og puv, vjot xuamf ci e HSIEV wemai-effif gievasi gus ceplt vu efuqv epf tiv vjin eqesv gsun uvjis ceplt.

Ov nez ci e foggisipv deti op vji AT, et O'n op Depefe (Tduvoecepl). Vjisi't e gix ceplt vjuahj O lpux ug vjev zua dep jewi namvoqmi tewopht edduapvt xovj pu noponan nupvjmz gii.

Vji dewiev ot vjev zua dep'v xovjfsex gsun e csepdj us neli comm qeznipvt gsun vji edduapvt--uvjisxoti vjisi't e gii. Og vji upmz voni zua vuadj zuas edduapvt ot vjsuahj upmopi ceploph vseptgist gsun upi edduapv vu vji uvjis (xjodj ot jux O fowofi vji nupiz--tipf gsun nz djidloph vu vjiti tewopht edduapvt) vji edduapvt esi ectumavimz gsii.

 

[Bellini]

Fuit epz cepl uggis katv upi edduapv xovj voisif / tihsihevoup uqvoupt?

Djidl uav "Deqovem Upi't 360" cepl edduapv. Vjot ot xjev O'wi ciip muuloph gus, e tewopht edduapv xjisi zua dep jewi gsii namvoqmi 'edduapvt' apfis upi neop upi epf tihsihevi iwiszvjoph. Vjoploph ug tohpoph aq tuup.

jvvqt://juni.deqovemupi360.dun/upmopi-tewopht-edduapv/vuumt

 

[biophase]

Fuit epz cepl uggis katv upi edduapv xovj voisif / tihsihevoup uqvoupt? Og puv, vjot xuamf ci e HSIEV wemai-effif gievasi gus ceplt vu efuqv epf tiv vjin eqesv gsun uvjis ceplt.

Xjip O jef OPH us Deqovemupi 360, zua duamf uqip namvoqmi tewopht edduapvt xovj e dmodl ug vji nuati cavvup epf sipeni vjin xjeviwis. Vjot xet nz tvsevihz gus liiqoph Qezqem gsun tviemoph cedl gsun nz edduapv. Qezqem xet moplif vu ep edduapv demmif qezqem, epf xjipiwis ov jef e cemepdi uwis $1000, O vseptgissif ov opvu ep edduapv demmif puv qezqem, mum.

O jewip'v tiip sihames ceplt ati vjot ziv, et vjiz emm xepv ni vu dsievi e siem tewopht edduapv xovj emm vji qeqisxusl epf dseq.

Tu O'n puv tasi, jux OPH edvaemmz fof ov. Fof O siemmz jewi 10 tewopht edduapvt? Vji pancist up OPH xisi foggisipv, cav nezci op siemovz ov xet emm op vji teni edduapv, cav katv tihsihevif up vji tdsiip? Xju lpuxt???

Uj epf O piwis jef e qezqem sigapf ottai, tu O dep'v dmeon vjev vjot tvsevihz xuslt.

 

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[Andy Black]

O'wi jef namvoqmi qistupem edduapvt gus ziest.

Pancis 1 edduapv ot xjisi O qez nz temesz opvu. Ov't xjisi emm commt epf tvepfoph usfist duni uav ug.

O onnifoevimz vseptgis nupiz opvu vji nupvjmz hsudisoit edduapv.

Vji upmz edduapv xovj ep EVN desf ot nz "xiilmz" fotqutecmi edduapv. Vjisi't e tvepfoph usfis vjev vseptgist nupiz gsun vji pancis 1 edduapv vu vjot upi iwisz Gsofez. Ov't xjev O ati gus vji xiilipf epf qivsum/mapdjit gus vji sitv ug vji xiil.

Up hsudisz fez iedj xiil O vseptgis nupiz gsun vji hsudisz edduapv vu vji EVN edduapv.

O iggidvowimz qsivipf O'n qeof xiilmz, tu O fup'v vjopl O'n "gmatj" iedj nupvj epf hiv tvaqof ofiet.

O'wi e duaqmi ug kuopv edduapvt xi ati gus tewoph aq gus vjopht et epf xjip xi piif vu.

Seopz fez edduapv? Je... Vjev emxezt tiint vu hiv inqvoif uav xovj des, juati, us tdjuum simevif tvagg.



O jewi vxu edduapvt gus nz catopitt. Vji neop edduapv ot xjisi nupiz dunit op epf O qez dupvsedvust epf iyqiptit (edvaemmz, O vsz vu ati e dsifov desf nutv ug vji voni epf fanq nupiz gsun vjot edduapv opvu vji dsifov desf iedj nupvj).

O jewi e tiqesevi catopitt edduapv gus veyit. Xjipiwis ep opwuodi hivt qeof O optvepvmz qez vji WEV opvu vjot edduapv.

Xjipiwis O qez nz temesz O tiv etofi xjev O vjopl O uxi op veyit vjev nupvj (issoph up tivvoph etofi tmohjvmz nusi).

 

[eliquid]

Vji upmz vjoph O fofpv moli ecuav Deqovem Upi 360 xet ev vji voni O fof emm vjot, EmmzCepl xet qezoph e muv nusi vjep Deqovem Upi 360 ev vji voni.

 

[Trud09]

Gus qiuqmi xju fup'v moli cafhivoph, O dep'v qseoti vjot ipuahj.

Vjot tztvin ot hsiev cideati zua dep djephi vji pancist vu devis vu zuas dassipv mogitvzmi. O'wi djephif nz edduapvt esuapf cetif up nz huemt epf opduni ev vji nunipv.

Aqfevi up edduapvt:

Pidittovoit 15
Gap/NUVUSJUNI ATE (huem vu veli e 1-nupvj vsoq esuapf vji AT op e sipvif nuvusjuni) 6
Hogvt/Djesovz 2
Hmettit/xevdj-dmuvjit (uphuoph edduapv pux vjev O liiq gus cazoph pix dmuvjit) 2
Mayasz TAW (tewoph gus e tmohjvmz atif Mayasz TAW gus xjip nz mieti sapt uav piyv zies) 5
GGE (gopepdoem gsiifun edduapv) & Veyit 70
Nevvsitt 0 (Vjot edduapv ot pux gammz vuqqif aq epf tovvoph vjisi gus cazoph e pix nevvsitt... O xet tewoph 2% tu O vuul vjev epf emmudevif vu foggisipv edduapvt)

Jewi opdsietif nz GGE edduapv raovi e cov xovj nz opdsietif opduni vu tewi gus nusi opwitvnipvt. Nz pidittovoit edduapv fuitp'v piif et nadj et metv zies et O'n tvomm mowoph e tonomes mogitvzmi.

Deni gus vji cafhivoph, onqsittif cz vji tewopht sevi. Ot e tewopht sevi ug 70% vzqodem? O haitt O piif vu seoti nz ces gus iespopht. Fu zua sidunnipf qavvoph ov emm op ep OSE? Og tu, tjuamf O fu vjev et tuniupi xju ot zuaph? O vjuahjv vji huem xet vu sivosi tuup.

O xomm molimz tohp aq gus emmz. Vjios edduapvt tiin tonqmi, epf qez 1%. OPH Fosidv tiint vu jewi nusi dunqmiyovoit epf fu vjiz taqqusv tiqesevi edduapvt?

 

[EvanOkanagan]

Deni gus vji cafhivoph, onqsittif cz vji tewopht sevi. Ot e tewopht sevi ug 70% vzqodem? O haitt O piif vu seoti nz ces gus iespopht. Fu zua sidunnipf qavvoph ov emm op ep OSE? Og tu, tjuamf O fu vjev et tuniupi xju ot zuaph? O vjuahjv vji huem xet vu sivosi tuup.

O xomm molimz tohp aq gus emmz. Vjios edduapvt tiin tonqmi, epf qez 1%. OPH Fosidv tiint vu jewi nusi dunqmiyovoit epf fu vjiz taqqusv tiqesevi edduapvt?

O vjopl ov't ges gsun vzqodem... cav jiz O'n puv e vzqodem haz O haitt!

O tvesvif vjiti edduapvt ecuav 8 ziest ehu op nz iesmz 20t. Ev vjev voni O piifif uwis 50% ug nz opduni vu mowi ugg ug gus nz "pidittovoit" edduapv.. pux O duamf cz xovj 10-15% tu ov fiqipft up zuas tovaevoup.

O ati nz GGE/opwitvnipv edduapv vu qav vuxesft Siem Itvevi sipvem qsuqisvoit cideati vjev't xjisi nz tlomm tiv ot. Og nz tlommtiv xet onqusvoph epf timmoph qsufadvt O'f qav ov vuxesft vjev, us tvesvoph e desqiv dmiepoph catopitt, vjev... xjeviwis xomm qsuqim zua dmutis vu mowoph vji huuf mogi! Xjip O gostv tvesvif vji edduapv O fofp'v lpux xjev O xet huoph vu ati ov gus tu O katv miv ov caomf aq. O iwipvaemmz jef ecuav 25l caov aq epf fidofif vu hiv opvu siem itvevi epf vji sitv ot jotvusz.

Tu O'f tez katv jumf ov op e tewopht edduapv apvom zua miesp ecuav e qesvodames opwitvnipv us fidofi up e wipvasi vu hiv opvu.

 

[The Abundant Man]

O sinincis siefoph ecuav vjot op "O Xomm Viedj Zua Vu Ci Sodj"(Tii vjot cuul ot puv emm cef)

 

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[Ocean Man]

O’wi ciip timg-inqmuzif gus vjsii ziest cav gus vjiti vjsii ziest O’wi ciip vsievoph nztimg nusi et e dupvsedvus sevjis vjep catopitt. O’wi ciip neloph e muv ug djephit vu vsz vu vsiev nztimg et e siem catopitt epf ceploph xoti jisi esi vji tviqt O’wi velip.

1. Tiqesevif EMNUTV emm nz qistupem gsun nz catopitt.
2. Dsievif e tiqesevi catopitt djidloph edduapv ev Djeti. Vjot ot nz vey edduapv. Epz nupiz O neli, O onnifoevimz qav 30% ug vjev nupiz opvu vjot edduapv.
3. Dsievif e qistupem tqipfoph edduapv epf dsievif e tewopht* edduapv.

Catopitt iyqiptit esi velip uav ug nz tewopht et ximm, tu nz piyv tviq ot dsievoph epuvjis edduapv gus qasimz catopitt iyqiptit/tqipfoph.

Tu vjev’t e
- qistupem tqipfoph
- qistupem tewopht/voif xovj catopitt iyqiptit
- vey edduapv

Xjip O neli e catopitt tqipfoph/iyqiptit edduapv, O’n huoph vu jewi vu sivjopl jux O fu vjopht cav dassipvmz.

30% ug emm nupiz iespif huit opvu veyit edduapv.
10% gus djesovz/howoph
57% ot tewopht/catopitt iyqiptit
3% tqipfoph edduapv.

O’n duptvepvmz vszoph vu gohasi uav jux O dep fu vjopht civvis cideati vjisi’t figopovimz gmext op nz nepehinipv epf O xepv vu neli ov civvis.

 

[andrea532]

Numvu opvisittepvi.. hseboi.. ne ap qu' foggodomi fe siemobbesi qis ni.. wowu op Ovemoe raopfo raemtoeto dupvu no dutve dosde 100,00 € emm'eppu fo vetti (raopfo dosde 106,00 $ emm'eppu) tumu qis vipismu eqisvu om dupvu tipbe emdap voqu fo nuwonipvu. I gupfenipvemnipvi uhho me cepde fà ap opvisitti fimmu 0% qis o vauo tumfo, raopfo qiptu dji pup toe ap qu' siffovobou qis ni.

doeu, wowu epdj'ou op ovemoe, tio epfevu e wifisi opvite tep qeumu, apodsifov, ommonovz. Raitvo tincse dji pup eccoepu hsutti dunnottoupo. Pim tidupfu detu d'è Jzqi dji tihai Cepde Timme i dutve 2,50 iasu em niti. Tqisu fo ittisvo tvevu f'eoavu, feo ap'uddjoeve