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what are savings?

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05 Sep 2012 01:18 #99847 by Ryan
savings...

is it how much money you have in your checking/savings account?
is it your retirement plan?
is it your discretionary funds?
is it your true worth when accounting for debt (school, mortgage, vehicles, etc)?
does salary even matter

i'm hitting a financial life milestone, but it doesn't feel like what i imagined when younger.


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05 Sep 2012 08:55 #99849 by chairman
total assets minus debt
Always tell someone how you feel because opportunities are lost in the blink of an eye but regret can last a lifetime.
cricketwindies.com/forum/

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05 Sep 2012 09:26 #99854 by VillageBelle
at 20 it is how much money you have in your savings/chequing account!!


at 57 it is all on your list....expecially the retirement funds and if one is mortgage-free or not


and of course salary matters!
but how you manage that salary from the time you start earning one matters even more
that will determine your worth at retirement :cool:

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05 Sep 2012 09:31 #99855 by SCA
savings are really deferred spending....money not spent are excess funds you have in your current account balance, and should not be misconstrued with working funds, i.e. monies intended to pay loans, mortgages etc. It is not your net worth either. Net worth is really a term used to determine how rich one is after all liabilites are satisfied, but that does not factor in liqudity, the ability to convert hard assets to liquid cash. Your retirement account and discretionary funds are considered savings. Your salary facilitates the funding of these accounts/funds.

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05 Sep 2012 09:39 #99859 by VillageBelle
SCA......you must be one ah dem.....Financial Advisors!!


too complicated for me! :shocked:

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05 Sep 2012 09:55 #99860 by The Captain
make sure you have prenuptial

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05 Sep 2012 10:09 #99863 by ketchim
Alternative Saving :

                           

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