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[QUOTE="Chibson, post: 240024, member: 27553"] Having a saving is very important especially for people who are doing 9 to 5 jobs even those who have businesses. The importance of savings cannot be underestimated because with savings you can actually have access to money in times of need and you can also use it to invest in profitable businesses that would actually give you a lot of money. I always advise people who are working to look for a strategy in which they can use to be saving some percentage of their income and also to invest some certain percentage of their income and use the remaining to solve their daily problems and with this strategy anyone can actually have spare income and Investment on the long run. I have come across a lot of people who retired from public services without any savings and investment and they end up becoming wretched after then. Actually anyone and everyone can avoid this because you need a lot of discipline. You need to cut down your expenses and try as much as possible to budget. Making a budget is very important because it helps you to spend wisely. It is also very important for you to avoid extravagant lifestyle. [/QUOTE]
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