Practical English lessons for Iranian English learners. بهترین پادکست آموزش زبان انگلیسی برای زبان آموزان ایرانی - بهترین انتخاب برای داوطلبین آزمون آیلتس و تافلA podcast by Kianoosh Alaبا تدریس کیانوش علاء - مدرس آیلتس و تافل و سایر دوره های زبان انگلیسیTelegram Channel:@kianooshala1
Episode 10 Script
7 Habits of People Who Are Great at Saving Money
Good savers start early, “As soon as they see they have an option, like a retirement savings plan through work, they take it,” “Good savers don’t procrastinate financial decisions.”
It’s not new advice, but there’s a reason every financial adviser repeats it: Because this is your future we’re talking about. A good rule of thumb is to put between 10 and 15 percent of your paycheck each month straight into a retirement account.
This isn’t a hard-and-fast rule, but good savers often tend to use physical types of money. Research shows that people can spend more money with credit cards versus paying with cash. Statistics show that the average cash transaction is $22, whereas the average non-cash transaction is $112. If you’re trying to save, handing someone some cash or writing out a check provides enough of a mental speed bump to slow down many impulse buys.
Does your employer give you a discount on your insurance for getting a check-up every year? Do you have flight miles or hotel points accrued that you’re not using? Many people leave this so-called “free money” on the table, It may take a little extra effort to fill out the paperwork, but it’s worth the time.
None of us are getting any younger, that’s for sure. Yet so many people live in denial of this fact, The truth is that each of us has risk factors that could affect financial security. Good savers are honest about their particular risks—advancing age, tenuous job security, chronic health problems, family issues, etc.—and plan their savings to account for them.
“Too many people have this attitude of entitlement,” “They get caught up in ‘I work hard, so I should have this because I earned it.'” But if you can’t afford a nice car or a day at the spa, you shouldn’t buy it, no matter how hard you work or how strongly you feel you deserve it.
Good savers are brutally honest about their income. They know how much they can afford to put away each month, Also they know if they need to make more money to reach their savings goals. If need be, they pick up side gigs to help them meet their goals. Who knows, your side gig could turn into a full-time career.
© SPEAKING CHAMPIONS: A PODCAST BY KIANOOSH ALA 2022
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