Out of Savings?

How the heck can yoube out of savings? Did you have had savings to start with at all?

I noticed to many it's hard to save, to not soemd and to pay themselves first! Paying yourself first is putting miney aside for those days we might realky need it and 'really' doesn't mean that set if extra clithes, not a truck load with chocolate, not a holiday, not a new device and not toys for your kid or yourself, not a pair of new shoes and no, also not the rebt, ekectricity bill or the car! These are all different saving boxes you should write in your budget since eaxh one of these are, if you buy it, returning expenses.

Those savings I talk about are meant fir in case of need, if you get jibkess, homeless, the storm blows away yoyr roof.

Am I out of savings? The answer is no and I hope I will never be, akthough my saving bixes rapidly decrease in 2025 and it's hard to add a few cents to every saving box I created to sinply budget my finances and divide my income. Keep in mind that even if you can only save 50 cents you still save! Saving is a good habit it avouds you from panicking if the next 'unexpected' bill shows up.

How to save?
• Stop using your credit cards - do not buy what you cannot afford.
• Stop with taking lians from the bank - paying back is a waste of money
• If your income arrives divide it among the bills you have to pay (house, electricity, health insurance, taxes, intetnet, budget your food) and a percentage for your saving boxes.
• Pay with cash! What you have in your walket is visible. Is your wallet empty you cannot buy anything so think before you buy!

If you have money left at the end of the month you can buy that treat or extra pair of socks, a toy or cekebrate you made it till the end of the month.

P. S. There's nothing wring with a whising list.

_{16-11-2025
Prompt: see title
The Photo was taken by me - unless mentioned otherwise}