My view about Savings

I wrote before in my previous entries that I’ve wanted to save part of my money from my income for the future and to save some in the bank. I told my self that starting this year I will start living simple. I’ve had a lot of expenses last year. Some were planned and some were not. This time I hope that I could somehow save some of my moolah or if not hopefully I could invest my money on something valuable or something worth buying. I find my friends Mimi and Ginger envious because they can manage their money well. I mean, they’re good. They would rather go home early and refuse to go out with friends just to bank some moolah for their future. Not that they’re not happy going out with friends and they don’t think that out of town vacation is such a waste of money but they would rather see it grow in the bank. I love the way they think, it’s so futuristic, they always think a head of time.

I am one of those few who were able to take a glimpse of Mimi’s notes in her planner. She’s so detailed with how her life would be after retirement. She also has this certain computation of her daily, weekly and monthly expenses and from there she computed her annual savings. I admire her for that. Meanwhile, Ginger has this attitude of investing her money on worthy things. Like for instance, her house and lot. Imagine at the age of 26, she already owned a house and lot. Not only that, she was able to complete most of the appliances and furniture in her house. She also owned a motor bike which serves as her means to go to work.

Things aren’t going smoothly as I planned it. I attempted to cut my expenses and tried to save some of my money but obviously, I failed. I’ve had a lot of out of town trips with my friends, shopping here and there; eat out with my closest friends, out of town trip again this time with my family and my usual personal expenses. Well I guess I never really tried to live as simple as possible. Maybe I’m too adventurous and I want to go out as much as I would. Maybe I find it lovely to chat with my friends while we eat out. I find it relaxing when I sing my heart out as we sing in karaoke. I find happiness in the clothes and accessories that I buy.

I may not be able to save big in the bank or I may not have my own house and lot, but I find those memories and time I spent with my love one’s an investment in my heart that I will cherish forever. It may sound cheesy but that’s how I see it. Anyway, I believe that I’m too young and it’s too early for me to start banking or start investing but still, I will never stop trying and maybe little by little I could get those Mimi and Ginger attitude.