Money, it’s always about money !
You should know, saving is also an important option in life. Without savings, can you assure that you will have enough money for your future? Housing, marriage, kids, everything needs money. Are you really that discipline that you can save every penny that you’ve pledge to yourself? Well, I can say majority of us don’t. Even for myself, I can never fulfill what I’ve pledge to save every month. I spend more than what I’m earned and ended up spending all my savings. Always have that kind of mind-set like, aiya, I will salvage the hole that I’ve spent with my next month’s salary. So it carries on like this monthly. MY SAVINGS ARE ALL GONE. & I realize that I need someone or something that can force me to save monthly and to ensure that I’m discipline enough to do so. So yeah, decided to at least pledge a hundred monthly.
I’ve met a consultant, & actually I’ve made up my mind on getting a saving plan for myself. That time, that was the only option I’ve left with. But I’m totally unsure what kind of plan am I suitable for. So, nicely and patiently, planning out and analyzing my capability of my spending, LOL.
Conclusion, I’ve selected PRUFlexi Cash. It’s a kind of term saving plan. I’ve pledge for 15 years, with a monthly of $110. Since I’m always spending so much money, why not I just put it into a saving plan and pretend that I’ve actually spend it?! Idea right! I’m so call spending my money as well. I don’t see it, I don’t spend it. With the interest rolling, definitely higher than bank interest. So, for me, I still find it worthy.
What’s best about this saving plan? It’s flexible! Means, on the second year onward, I will be able to cash-back some amount accumulated. But, you know it’s meant to be my future money ~ my future lifeeee depend on this, so I never withdraw any of the cash-back. So by the end of 15 years, I will be able to receive all my money ~ ONE BIG LUMP SUM. You know those shiok feeling?! & it’s all your savings! Those satisfaction ~
Guys, if you have totally $0 savings, how are you going to plan for you future ? do you have to work for another 5-10 more years to save up & letting your love to wait so long?
start planning ahead !
Once I’ve more capability, I’m going to save more. I’m going to top up my savings to $200 monthly at least. & increase yearly, think of my money in the future I want drool already.
Well, I know money currency grows. BUT at least, I won’t need to worry so much about money next time. I know I still have a sum of money can be used for emergency ~ so WHY NOT?
I’m only 21 years old btw ~ LOL .
If you need a financial consultant to assist you and to analysis for your needs, you can email me @ Jerlindaemail@example.com (I can intro my consultant to you ^^) – or you can facebook message me!
Categories: It's all about me, Jerlinda