I keep hearing people use the term "I saved money" when they refer to buying something for less than the price ticket states.
Let us mull over these words "I saved money". Did you? Did you really save money? Well, OK then, show me. Show me all the money you have saved over the months and the years. It would be wonderful if there was someone out there who had this stash of cash, but my guess is that no one does.
And so, is that money really saved? No. It's just money not spent, on that purchase, at that time. So, today I'd like us to think about the words we use, what they really mean and how we can make that phrase "I saved money" a reality.
How can we do this?
Well, how about every time you save money, by not paying the full price for something, you put the difference aside into an account. And while you're at it, why not think about what you're saving money for, and allocate it, mentally, for that purpose?
You see, the one thing that everyone says who has had the money and financial light bulb go on is that they wish they'd saved, or saved more, throughout their lives.
Saving money is the single biggest favour you can do for yourself - assuming you have dealt with any debt issues.
But it's far from easy. Saving money requires your commitment and hard work.
So how can we make it easier for ourselves and cut down on anything getting in the way of it going into that pot?
Well, one way of doing this is to have a percentage of your income go straight into your savings account, so that it never really hits your spending account. Setting this up as an automatic process saves you from having to remember or being tempted into using it.
People are full of great ideas, and that's why I set up my financial platform, so that we can share and learn from each other. Have you, or anyone you know, come up with a great way of saving money? Please share.
Here's something I found interesting:
One woman saved every penny she got by way of a raise. Her philosophy was that she had survived on her initial salary, and so the extra she was entitled to could simply be lobbed away for her future.
She lived in Kuwait for years and has since retired to Canada where she owns her own property and lives a very comfortable life, not wanting for anything, able to travel at will, and indulge in various pastimes.
Now, I'm not too sure we'd all survive comfortably on our initial working salaries when we have children, obligations, school fees and so on to contend with, but think about this and use the premise of it to come up with a system that works for you.
It could be that you live on your base salary for as long as you can, and then give yourself an increase to a level that deals with inflation, any extra obligations and so on, as you go along, always keeping in mind that your raises and bonuses are an added benefit, to be used wisely, preferably put aside for a future purchase.
This could be towards a home, your pension, or a beautiful work of art. Saving money isn't just about the future and big heavy-duty expenses or obligations that make up our lives. We all need to have a treat now and again, and so, of course you can have that comfy couch, spiffing suit or bling ring. But how about saving for it instead of splurging and making up the payments later?
Going back to where we started, and the receipt that says you saved X. You could argue that you only bought that latest big purchase precisely because it was on sale. I get that. But how about saving for it, so that it's a premeditated purchase, then waiting for the sale and not pocketing the difference, but putting it in your savings account for the next big purchase.
And while you're at it, think about this: you only really save money when you can afford to pay for something, but choose not to buy it. Being able to afford a certain thing isn't an invitation to buy it. If you don't need it, keep your money.
I believe looking at our seemingly mundane daily behaviours and spending patterns is an essential starting point towards changing our behaviour with money. You see, the simple, daily things can have the biggest effect.
I know of a father who was forever buying gifts for his child - little knick-knacks. I kept hearing "it only costs Y". And so I invited him to start a savings account for the child, to put an equivalent amount of money - the same cost of the gift - in that account as he went along. The father soon realised how it all adds up, because it did; it was staring back at him in the account. I'm happy to say that he doesn't spend anywhere near what he used to on those throwaway trinkets.
Adverts that tempt you to spend by this familiar exhortation: the more you buy, the more you save are totally misleading. The more you buy, the more you spend. Your bank balance can tell you that.
So remember, just because the bottom of the receipt tells you that you saved X amount of money, it doesn't make it real. The only thing that will make it real is you putting that hard cash - that saving - into an account. Give the account a name, call it whatever it is you're saving for, then leave it alone, until it's time to spend on that special thing.
Then truly enjoy the fruits of your discipline and resolve.
Nima Abu Wardeh is the founder of the personal finance website www.cashy.me. You can contact her at nima@cashy.me
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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
All about the Sevens
Cape Town Sevens on Saturday and Sunday: Pools A – South Africa, Kenya, France, Russia; B – New Zealand, Australia, Spain, United States; C – England, Scotland, Argentina, Uganda; D – Fiji, Samoa, Canada, Wales
HSBC World Sevens Series standing after first leg in Dubai 1 South Africa; 2 New Zealand; 3 England; 4 Fiji; 5 Australia; 6 Samoa; 7 Kenya; 8 Scotland; 9 France; 10 Spain; 11 Argentina; 12 Canada; 13 Wales; 14 Uganda; 15 United States; 16 Russia
Essentials
The flights
Emirates and Etihad fly direct from the UAE to Los Angeles, from Dh4,975 return, including taxes. The flight time is 16 hours. Alaska Airlines, United Airlines, Delta Air Lines, Aeromexico and Southwest all fly direct from Los Angeles to San Jose del Cabo from Dh1,243 return, including taxes. The flight time is two-and-a-half hours.
The trip
Lindblad Expeditions National Geographic’s eight-day Whales Wilderness itinerary costs from US$6,190 (Dh22,736) per person, twin share, including meals, accommodation and excursions, with departures in March and April 2018.
If you go:
The flights: Etihad, Emirates, British Airways and Virgin all fly from the UAE to London from Dh2,700 return, including taxes
The tours: The Tour for Muggles usually runs several times a day, lasts about two-and-a-half hours and costs £14 (Dh67)
Harry Potter and the Cursed Child is on now at the Palace Theatre. Tickets need booking significantly in advance
Entrance to the Harry Potter exhibition at the House of MinaLima is free
The hotel: The grand, 1909-built Strand Palace Hotel is in a handy location near the Theatre District and several of the key Harry Potter filming and inspiration sites. The family rooms are spacious, with sofa beds that can accommodate children, and wooden shutters that keep out the light at night. Rooms cost from £170 (Dh808).
The specs
Engine: 1.5-litre 4-cylinder petrol
Power: 154bhp
Torque: 250Nm
Transmission: 7-speed automatic with 8-speed sports option
Price: From Dh79,600
On sale: Now
Tuesday results:
- Singapore bt Malaysia by 29 runs
- UAE bt Oman by 13 runs
- Hong Kong bt Nepal by 3 wickets
Final:
Thursday, UAE v Hong Kong
Company Profile
Name: Thndr
Started: 2019
Co-founders: Ahmad Hammouda and Seif Amr
Sector: FinTech
Headquarters: Egypt
UAE base: Hub71, Abu Dhabi
Current number of staff: More than 150
Funds raised: $22 million
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Countdown to Zero exhibition will show how disease can be beaten
Countdown to Zero: Defeating Disease, an international multimedia exhibition created by the American Museum of National History in collaboration with The Carter Center, will open in Abu Dhabi a month before Reaching the Last Mile.
Opening on October 15 and running until November 15, the free exhibition opens at The Galleria mall on Al Maryah Island, and has already been seen at the Jimmy Carter Presidential Library and Museum in Atlanta, the American Museum of Natural History in New York, and the London School of Hygiene and Tropical Medicine.
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
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A cheaper choice
Vanuatu: $130,000
Why on earth pick Vanuatu? Easy. The South Pacific country has no income tax, wealth tax, capital gains or inheritance tax. And in 2015, when it was hit by Cyclone Pam, it signed an agreement with the EU that gave it some serious passport power.
Cost: A minimum investment of $130,000 for a family of up to four, plus $25,000 in fees.
Criteria: Applicants must have a minimum net worth of $250,000. The process take six to eight weeks, after which the investor must travel to Vanuatu or Hong Kong to take the oath of allegiance. Citizenship and passport are normally provided on the same day.
Benefits: No tax, no restrictions on dual citizenship, no requirement to visit or reside to retain a passport. Visa-free access to 129 countries.
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Company%20Profile
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Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
All or Nothing
Amazon Prime
Four stars
Five famous companies founded by teens
There are numerous success stories of teen businesses that were created in college dorm rooms and other modest circumstances. Below are some of the most recognisable names in the industry:
- Facebook: Mark Zuckerberg and his friends started Facebook when he was a 19-year-old Harvard undergraduate.
- Dell: When Michael Dell was an undergraduate student at Texas University in 1984, he started upgrading computers for profit. He starting working full-time on his business when he was 19. Eventually, his company became the Dell Computer Corporation and then Dell Inc.
- Subway: Fred DeLuca opened the first Subway restaurant when he was 17. In 1965, Mr DeLuca needed extra money for college, so he decided to open his own business. Peter Buck, a family friend, lent him $1,000 and together, they opened Pete’s Super Submarines. A few years later, the company was rebranded and called Subway.
- Mashable: In 2005, Pete Cashmore created Mashable in Scotland when he was a teenager. The site was then a technology blog. Over the next few decades, Mr Cashmore has turned Mashable into a global media company.
- Oculus VR: Palmer Luckey founded Oculus VR in June 2012, when he was 19. In August that year, Oculus launched its Kickstarter campaign and raised more than $1 million in three days. Facebook bought Oculus for $2 billion two years later.
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In-demand jobs and monthly salaries
- Technology expert in robotics and automation: Dh20,000 to Dh40,000
- Energy engineer: Dh25,000 to Dh30,000
- Production engineer: Dh30,000 to Dh40,000
- Data-driven supply chain management professional: Dh30,000 to Dh50,000
- HR leader: Dh40,000 to Dh60,000
- Engineering leader: Dh30,000 to Dh55,000
- Project manager: Dh55,000 to Dh65,000
- Senior reservoir engineer: Dh40,000 to Dh55,000
- Senior drilling engineer: Dh38,000 to Dh46,000
- Senior process engineer: Dh28,000 to Dh38,000
- Senior maintenance engineer: Dh22,000 to Dh34,000
- Field engineer: Dh6,500 to Dh7,500
- Field supervisor: Dh9,000 to Dh12,000
- Field operator: Dh5,000 to Dh7,000
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THE SIXTH SENSE
Starring: Bruce Willis, Toni Collette, Hayley Joel Osment
Director: M. Night Shyamalan
Rating: 5/5
SPEC%20SHEET%3A%20APPLE%20IPAD%20(2022)
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A Cat, A Man, and Two Women
Junichiro Tamizaki
Translated by Paul McCarthy
Daunt Books
MATCH INFO
Champions League quarter-final, first leg
Ajax v Juventus, Wednesday, 11pm (UAE)
Match on BeIN Sports