Many young people have set goals salary savings as much as possible, but very difficult to do. Thuy Linh (SN 1998, Hai Phong) said: “Remember when I first graduated from school, going to work with a salary of 10 million / month but having to pay for the room cost nearly 1/3. Not to mention, there are also very confusing expenses. : in the morning, when I open my eyes to the street, the car breaks down, costs 500k, at noon, my colleagues invite me to drink milk tea, eat lunch at the office, but in the followingnoon, I go to a hotpot shop… but I don’t spend money thriftily, I don’t know how to optimize my finances. All in all, I don’t know how to set a goal to save money for myself.”
Having also experienced the situation of not knowing how to measure wages, May May (25 years old, Hanoi) said: “After a period of time when I just received a salary, I was tired of money at the end of the month. That motivation helps me to try harder in calculating my expenses. Choosing to move to a motel room located in the suburbs with the rate of 1.5 million/month, helps me breathe a little more relief with the amount of 3, 5 million/month before that. I only had to support myself, so if I just restrain myself, don’t gather, don’t play, spend a little more sparingly, then a salary of 10 million/month will be enough 3 million. Now, when the salary increases, ranging from 15-20 million / month, saving half of the salary is no longer a big problem.”
Having struggled with personal finances, both Thuy Linh and May May now have very specific savings goals. Both girls share that: Definitely set clear goals in how to manage personal finances!
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Saving half your salary is not difficult if you have a clear financial goal
Living in Hanoi, many people think that a salary of 10 million/month cannot be saved. Cloudy May does not think so: “Even when I received a salary of 10 million/month, I also saved 3 million/month. There were months, the peak was 6 million, when I only paid for the house. and money for meals This is the time when I make money just to take care of my life, not to help my parents.
As shared, I chose to rent a house for only 1/2 the price when I was in school. This amount is not small with an income of 10 million. Usually this is the most expensive money for those who are far from home to work. Balancing this account has also helped quite a bit.
Next comes cost of livingI choose minimalism in my daily life: money for food, clothing, and play.
When it comes to eating, I rarely eat out. Many people think that eating out is inexpensive, convenient and delicious. But I used to experiment with eating out for 1 month. As a result, I spend twice as much on meals if I choose to cook at home. Not to mention, in 1 month of eating out, I often get tired, lose my appetite and become unhappy when it’s time to eat. So, in the future, even though I’m busy, I still make time to cook at home, while saving nutrition.
– The issue of wearing is also very important, especially for girls. I am very restrained in this matter: Spring, summer, autumn, winter, four seasons are only encapsulated in regarding a dozen clothes. I choose good quality clothes, can be worn many times but easy to coordinate. Being flexible in the way you wear it also helps to relax the mind much more. I highly recommend women to minimize their wardrobe.
– As for the game, I accept to spend money on quality relationships. The rest always say no. I have no respect, nor do I have the habit of asking for help, so this is always under control. Play a little less, but it is better to be healthy.” Maintain the healthy habits help May May always have their own savings.
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| Artwork – Pinterest |
As for Thuy Linh (Hai Phong), she once struggled to save money because of attractive invitations. Not only spending money on eating, drinking and playing, Linh also spends a lot of money on shopping. Therefore, the salary of 10 million/month is not enough to satisfy those needs. Having learned lessons through expensive spending, now Thuy Linh has gradually accumulated her own: “When my income increases, I feel this is also an opportunity to correct my spending mistakes in the future. Choosing spending for needs that match with current income is very important.
As before, I spend 1/3 of my monthly salary to rent a house because I want to live more comfortably. Eating out with friends a lot because thinking regarding building relationships, not willing to refuse colleagues for fear of losing heart… These are all expenses that should not be had when income is low. When I realized this, I tried to put it out of my life. And then, set yourself a specific spending – saving plan!”
Don’t complain regarding the salary, learn how to improve your income
Although there are many ways to save salary, even 1-2 million/month is fine. But many people still think that saving half your salary can only be done when your income is high. May May shared her opinion on this issue: “I agree that a high income will help people save more money. But that doesn’t mean that a salary of 5.7 million cannot be saved. For me, even if I try to spend 1-200k every month, it is already saving. The important thing is that saving appears in your mind as soon as possible.”
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| Artwork – Pinterest |
Thuy Linh also agrees with this view of May. She shared: “No matter how much I save, I only get a certain amount. I have always prioritized increasing my income in the last few years. When I receive a salary of 10 million at the end of the month, I always give priority to improving my income. , I told myself that within 1 year, I have to increase my income to 15 million, then 20 million, and the numbers increase over time.To achieve that salary, I choose to do more than 1 job. work, and invest in knowledge.
At one time, I worked 4 jobs, my salary was regarding 15-17 million/month, in a higher month, it was more than 20 million. But now, I only accept 1 main job and 1 part-time job. The income level is also much better than when graduating from school. The hard working time made me realize that money is not easy to earn, since then I don’t dare to waste it anymore. Currently, I have been able to save nearly 1/2 of my salary. At 25, I realized how important it is to have savings!”