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Penny Pincher Column


FINANCIAL METHODS THAT WILL HELP EVERYDAY CITIZENS SAVE MORE AND INCREASE FUNDS

Have you ever dreamed about what it would be like to be as rich and wealthy as those business moguls on Wall Street? How about being as rich as those high class residents in Beverly Hills, California? How about being as rich as an ordinary working class citizen with strong financial standings? Wealth and riches have come and gone for many people time and time again. In this economy there will always be those individuals who either have more “Green” than most or are just financially stable. For those of us not as fortunate to inherit wealth, hard work and determination are left as the only ways to reach this desired state. In order to start this wealth journey, three things must be initially done; 1. Open up a bank account. 2. Start to increase your knowledge on investments 3. Save, save and SAVE! Not everyone can be a successful Wall Street wolf, but they can surely be a financially stable citizen. The government produces large amounts of currency every day, meaning that there’s money all around us. However, one must fully understand the concept of money and what to with money in order to obtain the green treasures known as “Cash”.

I- The art of Joining a Bank and opening an Account. Opening a bank account gives your finances the upmost security that it’ll ever have. For one, you won’t have the burden of carrying your wealth with you everywhere you go. Having your money with you at all times is a danger to both you and your personal finances. With a bank account, every dollar that you deposit towards the bank gets securely stored and monitored under your name. Some people might oppose the idea of trusting a bank to hold all of their finances. With the advancement of technology today, we have spawned individuals who constantly prey on hard working citizens and their wealth. There have been cases where people known as hackers and robbers have successfully stolen money out of banks and bank accounts, putting the wealth of others at risk. However, you shouldn’t let those negative facts discourage you from opening an account. If you sign up with a bank account, the money that was stolen from you is automatically replaced, guaranteed. Aside from the security of wealth and convenience of use, having a personal bank account allows you to manage your money wiser. Monitoring your spending and keeping track of your finances will keep you financially stable for longer periods of time. Having prior knowledge on the amount of money in your bank account can prevent future problems of you spending too much. Some banks have pre-set features for those who can’t manage their finances on their own. Banks like to make sure that customers have the upmost protection and financial stability in their accounts.

II- The art of Investments. The world of business is forever expanding within the human population. Professional business practices go back as far as the B.C times, where trading one good for another allowed individuals to network and live off of each other. Today, business is categorized into many things and can be seen in almost everything we do. From general services to personal transactions, we are all included in the cloud of business. However, one form of business that I find to be the most interesting is stocks and the investments within these stocks. The majority of companies today both big and small have submitted themselves into the stock market. No matter what field they specialize in, there’s always a place for some type of business in the stock market. Not only do companies prosper from the potential finances, but so do ordinary people who have the knowledge and skill of working the market. If there’s one thing to gain from being a member of the stock market, it’s the amount of profit that can be made through investments. Choosing an investment wisely will determine how your finances grow overtime. Because the stock market is always increasing in value, it would be smart to invest your time in a stable company. For example, companies like Apple and Coca-Cola have always had an impressive record when it came to numbers in the stock market. Partnering with either two of these companies will surely reap a great benefit towards your finances. However, with stable companies also come unstable companies. Investing time in a business that’s under the stock market’s preferences will result in a vast loss of profit and terrible breakdowns of that company. In order to avoid the mistake of joining a bad company, people should analyze its business life to see what progress they’ve made since being submitted into the stock market.

III- The art of saving your Money. The temptation to spend can be found everywhere we go. The world is surrounded by advertisements, commercials, posters etc. How you choose to react towards these advertisements determines how stable your finances could be. Managing your money with caution is the one of the most important ways to increase your personal finances. Starting a personal trust fund is a great way to save your assets. For every paycheck you earn, put a little money aside and save it for a rainy day. This will help develop your discipline and management for personal finances. Before you know it, you’ll be more hesitant to waste your money on pointless things. Saving a portion of your money will eventually become a habit and that personal trust fund will be stronger than ever. The more you save, the more you gain. Following these financial methods will surely place you and your wallet in a better position. So start the journey today and make your future green with cash.


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