The ever increasing cost of living, and lifestyle go up, making it difficult to save women. Every end of the month, leaving only a savings account balance of several thousand dollars only. Often not bersisanya savings account is not caused by a lack of income, but mistakes in managing finances. Finally, they ignore the importance of saving, let alone there are husbands who become the main breadwinner in the family.
In fact, women are supposed to be saving more than men! Not just saving for a living, education, or family vacation, but also to save for retirement. Want to know why we should have more savings?
On average, women live longer than men. So one day when our spouse has passed away, we had to undergo a longer retirement. That is, we have to finance our own lives (and the kids) longer. Therefore, even if your husband is still actively working and able to provide for your family, you should also have their own savings. Set aside at least 15 percent of your salary to the pension fund.
Greater cost of living
Never compare your living expenses and your husband, or your male counterparts? Who is more wasteful, or have greater spending? Salary is usually women who run faster, because all printilan spent on less important. When shopping at the market, most women desire to haggle. In the supermarket, women are willing to buy cheaper goods a few thousand dollars only. However, we are willing to pay dearly to finance our lifestyle. Do not believe? Tell me, how often do you buy clothes when there are sale program, coffee-coffee, buy a bag or shoes branded long we seek?
Women lower wages than men
It’s the fact that we still experienced in some companies. Then, how could save more if our salaries are on average less than men? The answer is simple: make extra income. You can reach it by looking for a side job, or build a small business. If you feel you have enough time for extra work, you inevitably have to work harder and ask for a raise equal to men.
When married, women also split attention in children. We may no longer shop for myself, but also for the husband and especially the kids. Women who cares to buy clothes, cooking healthy meals, buy packs of books or reading lesson video (the price is not cheap), or toy “smart” for the children. Thus, the greater the expense of women. By itself, they also need to save more in order to always satisfy various requirements.
As a role model for the kids
In many studies, it is often argued that the mother is a person who became a role model, because the kids will spend more time with mothers than fathers. Mother became a instrumental figure in the management of the family finances. Of the mother as well, the kids learn how to manage finances. According to Creditcards.com, about one in four young adults say that their mother had the biggest financial influence in their lives when growing up. Therefore, provide a good example to the kids about finances. Always scrimping and saving are some of the simplest examples.