The increasing cost of living, lifestyle and join the ride, making the women’s difficult saving up. Every end of the month, leaving only a savings account balance so many thousand dollars only. Often the lack of a savings account is not caused by a lack of income, but mistakes in managing their finances. Finally, they overlook the importance of saving, let alone, there are still husband who became the main breadwinner in the family.
In fact, women are supposed to save more than men! Rather than simply saving to fund the living, education, or family vacation, but also saving for retirement. Want to know why we have to have more savings?
On average, women live longer than men. So later, when we have no living spouse, we have to undergo a longer retirement. That is, we have to finance our own lives (and the kids). Therefore, even if your husband is still active and able to provide for you and your family, you also should have their own savings. Set aside at least 15 percent of your salary for pension funds.
The greater cost of living
Compare living costs you and your husband, or Your male colleagues? Who is more wasteful, or had greater expenses? Usually women who salary is rapidly depleted, because it is spent on things that are less important. While shopping in the market, most women lust does bargaining. At the supermarket, the women willingly buy items cheaper a couple thousand dollars only. However, we are willing to pay top dollar to fund our lifestyles. Can’t believe it? How often do you buy up the clothes when there are sale, get some coffee-get some coffee, buy a branded bag or shoes long-we seek?
Women lower salaries than men
It’s the fact that we still experienced at some companies. Then, how can save more if our salaries are, on average lower than men? The answer is simple: create an extra income. You can achieve this by searching the side job, or a small business building. If you feel not quite have time for extra work, inevitably You do have to work harder and ask for salary increases equal with men.
When already married women, attention is also split on the children. We may no longer shopping for yourself, but also for the husband and especially children. The woman was the one who cared to buy clothes, cooking a healthy meal, buy a package of books or video lessons reads (the price is not cheap), or “smart” toys for children. Thus, spending on women will be even greater. By themselves, they need to save more in order to always meet a variety of needs.
As role models for children
In many studies, often expressed that the mother is the figure who became a role model, because the children will be more likely to spend time with the mother rather than the father. The mother became a figure that plays a role in financial management in the family. The mother of all, children learns how to regulate the finance functions. According to Creditcards.com, about one in four young adults said that their mother gave the greatest financial influence in their life when it went off great. Therefore, give a good example to children about finance. Always save, and save are some of the simplest examples.