Name: 有給を取得するときの5つのステップ (5 Steps When You Get Paid)
Uploaded: 2021-01-14T11:20:01.000Z
Duration: 10 min 16 s
Description: VoiceTubeの動画で発音を聞きながら英語表現を覚えよう！学べる英語：

過去形

You probably spent a fortune on gifts on new year eve especially when a week before that,

well, Americans on average spend over a thousand dollars on gifts, goodies, and travel.

That might not look like a fortune but when you look at the other data that says 60 percent

of Americans can't cover unexpected thousand dollar bill, it gets sad because emergencies

happen and they are full of surprises, it might be unexpected doctor visit, your car

breaks down or something else that could prevent you from

There is nothing wrong about buying gifts and having fun but when our holiday spendings

keep going up year after year while we stop saving and getting into debt more and more,

So here in this video, we are going to take a look at where exactly your money should

what steps should you take once you receive that paycheck so that when you are faced with

that unexpected thousand bills again, you don't have to get into debt because you have

been planning your cash flow pretty well!

the first thing you should do is to have a list of your necessities, what are the things

you literally can't live without, your house, groceries, transport.

Whether you like it not, you have to pay your bills every month otherwise you will end up

A lot of people can't differentiate between their needs and wants, your Starbucks coffee

might be important but its definitely not a need but rather a want.

The reason why this is important is that a lot of people complain that their income is

not enough, that's why they are living paycheck to paycheck.

I am not gonna argue against that, you are probably underpaid, maybe not, but that doesn't

mean, you can't manage your cash a bit more effectively at least.

Especially if you want to get out of this desperate financial position, you definitely

need to be much more responsible with your paycheck.

denying yourself some of the pleasures might be difficult but at least, you know that you

aren't going to be broke soon, you don't have to spend every penny in your pocket to

Once you are done with that, you should start building your emergency fund.

a lot of people would say that you should have at least a thousand dollars or maybe

even a few thousand dollars in case if things go south, and they have a point.

Your emergency fund should be your savings fund as well.

Before you throw me your comments, let me explain why.

once you are done with the first step, you should have a clear idea of how much exactly

Take that amount and multiply it by 6, that's your number, that's how much your emergency

Of course, you cant build that fund in a month or two, it might take you an entire year to

There isn't an exact percentage of your income you should allocate to that, because it will

If you hardly making enough to make till the end of the month, you might consider a small

percentage, if you are making much more than you possibly need, then you probably will

Maybe you should not be having an emergency fund at all, because you are hardly making

what's the point of saving money when you barely pay your rent, in this case, you should

forget about this fund and focus on increasing your income first.

It might not be easy, but there are plenty of ways to do that.

When you have multiple accounts to save money, it starts consuming a lot of time, which means

You will do it once or maybe twice and then you are going to forget about it.

That's why I do my best to simplify everything as much as possible.

And secondly, there is no point in saving a lot of money, you gotta do something with

that money to keep it growing, but let's not get ahead of us, we will talk about that

Now, let's move to my favorite part, entertainment.

This is the part where you initially plan to spend the least amount of money but then

your entertainment spendings even exceed your rent bill.

how many times did it happen! probably every single time.

No matter how disciplined you think you are going to be, most of you won't be able to

spend the entire month without spending on entertainment, it's just part of our life.

Hanging out with friends, going to a bar at night or going for a movie with your homies,

just a little advice, never ever go into debt for entertainment!

no matter how badly you want that! borrowing money to have fun is the dumbest financial

You can somehow justify your student debt, mortgage, rent, or any other necessity, but

Let's try to be a little bit specific, what do we mean with entertainment?

I consider entertainment everything else that's not considered as a necessity.

that Starbucks coffee, casual eating out with friends, that new hoodie you bought but you

Of course, you cant break down your spending habits into little small parts and micromanage

From my experience, micromanagement doesn't really help unless you are a real nerd. after

a few days or maybe even a week you will just dump your plan and start spending randomly.

So do not underestimate your entertainment spending and set a realistic amount.

many of you might disagree with me because I am not making investing as the first priority.

you might think it should be on the top of the list, and I am not gonna disagree with

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有給を取得するときの5つのステップ (5 Steps When You Get Paid)

entire

discipline

procrastinate

plenty