7 tips to save money

Everyone wants more money. We all want to earn more, but it is important to save money too. Saving money can be just as lucrative as making money. Here are 8 tips to help you save money today.

1. Eliminate your debts and bills

The first think you should do is to pay all the money you owe. Pay your bills, and eliminate your debts. Try not to lend out any more money as well.

2. Make saving goals

Write down how much you want to save. 

Figure out how much you have to save, whether you want to save 500$ or 100 000$ you should set goals for how much you want to save. 

3. Make a list of your expenses

Make a list where you write down your usual expenses. All the money you use on food, clothes, electricity, ect. This makes you realize how much money you are actually using, and how much you could save.

4. Cut down on your expenses

Choose some of your expenses from the list above, and think about how you can save money on that one. For example, if you want to save money on clothes. Try to buy less clothes, and buy cheaper clothes. You can also decide a sum which you will use on clothes every month. The sum should be lower than the one on your starting list.

5. Stop using credit cards

Credit cards are terrible. You should not use your credit cards unless you absolutely have to. Credit cards make you forget how much money you are spending, and how much you have spent.

6. Make a savings account

Try to put some money in a savings account. Put away your money instead of having it available. Get an account with rents, so you actually make money from having your money in the bank

7. Prioritize savings

You should put savings first. When you get paid, don’t spend all your money and save what is left. Start with your savings, put your money in a savings account as soon as you get them.

If you follow my tips, i hope you will be able to save some money. I will try to follow them myself, because i could really use some money myself. Good luck.

Loving money

Happiness is complicated, and we humans don’t quite understand what it is. We think we are searching for happiness, although we might be happy just as we are. Everyone is trying to get happier, and to make more money. Does that mean money equals happiness?

What is happiness?

 We humans search for the perfect happiness, but we never actually find the happiness we are searching for. Real happiness is most often experienced when searching for what we think is happiness. Humans experience happiness differently and there is no right or wrong answer to what happiness is. Some people feel happiness when they score a goal on the soccer field, or when they have a child. Kids might feel very happy when they get a brand new PlayStation for Christmas or a new bicycle for their birthday. We don’t understand what happiness is because we are greedy, and always want more than what we have. There are many happy people, for instance in Norway. Here we are rich, and we have what we need. Still most of us think that if we raise our salary to 1 000 000 nok a year, we would be happier.

Does money mean happiness?

We definitely feel happiness from money, mostly when buying new things. When a child gets something for Christmas, or when a women buys an expensive new purse. But do we feel happy when buying something, just because of the money? Let’s say we have two persons, one with just enough money to buy a laptop he really wants and one who has won the lottery and has enough money to buy a car. If both of them were to buy the same computer, would they feel the same amount of happiness? Probably not, I think that if you had just enough money for the computer, you would be a lot happier than if you had loads more. Why? It has something to do with our greed. We don’t feel happy with what we have, we just want more. That is why money does make us happy, but only to a certain degree.

Work – Money or joy?

When youths think about work, and what they want to do when they grow,. Most of them think that they should get the highest salary possible, independent of what type of work it is. But would that make you happy? As already concluded, loads of money don’t make you happy. So if you have a boring job you are not happy with, and you make huge amounts of money,. Then maybe you won’t be happy at all.

“I was lucky – I found what I loved to do early in life” - Steve Jobs said in his inspirational speech at Stanford University. Everybody wants to be happy, but they have understood it wrong. Maybe if you had a way lower education and did what you enjoy doing,. You would have exactly the money you needed, and a job you enjoy. That may be the real happiness.

This article is mostly theoretical, and may not be 100% right. But we can be pretty sure that happiness is something we don’t quite understand. We can say that money is a part of it. And yes, money will make you happier, but only to a certain degree. Work is important for our happiness, and how much money you make may not be that important. Most of us feel happiness when searching for what we believe is happiness.

We would feel the absolute most happy if we had an okay paid job which we enjoy, just enough money to do what we want to do, but still believing that you are searching for the perfect happiness,. Which we don’t really know what is?