Saving to Invest: How on Earth Can this be Done?

Sometimes in the quest to educate people, some things can be overlooked because writers like me assume that the average person already knows something ‘just because’ we do. I’ll admit that I might have made the assumption that most people in this day and age know or ‘should’ know how to save money, whether or not they wish to invest it at some point. This post will give you some stupidly practical ideas on how you can begin to save up money, even if you’ve never done this before. It will end with mention of how you could eventually consider starting to go beyond this by investing.

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Will This FINALLY be the Year?

Happy 2020, everyone!  (Or whenever you happen to be reading this.)  Before I continue, I’d like to mention that I believe more in quality than quantity.  That’s why, if you’re a subscriber, there are periods when I don’t write anything for sometimes months.  I’m not your typical blogger, trying to churn out something every few days that may eventually lack real substance and/or become an overlooked annoyance in your Inbox.  So, I hope that my approach has been helpful to you folks.  I write only when I feel like I have some really helpful things to share, not just to try to keep some sort of ‘wheel’ spinning.   Contact me or comment with your thoughts either way.  On that note, let’s get into things …

Do you have “enough?”

The new year is when people world-wide typically have had hopefully even a bit of time to reflect on the past year.  The typical result is one or more “New Year’s resolutions” for that year and even beyond.  However, most are just good intentions that quickly fizzle out unless one makes a very deliberate effort to make their resolutions a part of their regular routine of life in that new year.

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What’s Your Bigger Financial Motivation – Or Do You Even Have One?

All of us have at least one reason why we get up and go out (or work from home) to try to make a living.  For most of us, it’s survival:  paying for food, clothing, or shelter.  For a growing number of others, it also involves getting out of debt.  Unfortunately, for most of us, our financial motivation is not much beyond that, aside from buying stuff to fill our homes and/or going on trips, both largely in an attempt to escape the mundane.

So, what motivates you to make a living?  Are you trying to get ‘filthy rich’ someday, whatever amount that is and whatever that means?  Is it simply to pay for the basics and to have a bit left over to buy and/or do something nice from time to time?  Are you simply in survival mode – or, in survival mode plus a mountain of debt?  Are you the rarest type who is looking several years, even decades, beyond today and actively planning for then?

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So, How’s Working Hard Been Working for You?

During my many years in the workforce, I’ve come across all types of people, from the hopelessly lazy to the most industrious and every type in between.  But one thing that most people have in common, regardless of their ambition level, is the tendency to have no real goals or plans in mind when it comes to what to do with the money they earn.

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Why Does Everybody Love a Sale Except When it’s the Stock Market?

The peculiarity of most people is perhaps no more apparent than how they deal with money.  I find that one of the funniest phenomenons is that of the idea that you’re “saving money” by buying something on sale.  A person might drop $1,000 on a new T.V. that’s on sale, for example, but be more excited by the fact that the regular price was $1,300 and therefore claim that they “saved” $300.  No, they actually didn’t save a single dollar – they just spent one thousand of them!  However, so few people seem to see things this way when it comes to retail spending.

Retailers have most people brain-washed into thinking that spending is actually saving and therefore people from all walks of life don’t get much more excited than when things are on a huge sale.  The most mild-mannered of people can get as excited as a school-kid on a sugar high when an online or in-store search results in finding something (often that they don’t actually need) that’s selling for a major discount.

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