Kindle Edition
Amazon
Category:
Business/Investing
Publisher: Amazon
Type: Non-Fiction
Pages: 118
Copyright: December 5, 2019
ISBN-13: 9781672014571
Price: $0.99 (eBook)
I first talk about how my family in Japan saved money. I then talk about budgeting, saving money in many areas, reducing debt, building credit, giving, and saving and investing.
Are you living paycheck to paycheck? Are you worried about your debt? Do you need more money to pay your bills without spending more hours at work?
What if I told you that you probably already have the money? I'm not talking about people wasting $5 on a cup of coffee every day, although you shouldn't do that. It's the money you're unknowingly wasting.
I'm going to help you find the money that you're wasting so that you can use it to start paying off your debt, eventually eliminating it, and start to build up your savings.
By reading this book, you'll learn:
How to make your own budget
How to save money on utilities, food, transportation, healthcare, clothing, etc.
How to eliminate your debt
How to build your credit
The importance of giving
How to create savings, increase your savings, and start investing
By just following some of my tips, you'll start saving money immediately. Start saving today!
Excerpt
“Whatever you do, don’t spend money you don’t have and don’t take out a loan.”
That was the advice my father gave me when I got married to my first husband. I grew up in Japan listening to news about entire families comitting suicide because of the debts they couldn't pay. That was scary to think about.
My parents were always frugal people for a very good reason. When they were children, both of their homes were burned down during World War II. My grandpa on my mom’s side died at war, so I never met him. My grandma became a widow, but she may have received compensation from the government. She took care of my aunt, my mom, and my uncle by herself. My uncle and his little family lived with my grandma until she died of cancer while in her 90s.
My parents and siblings and I lived with my dad’s parents. My dad is the oldest son of my grandparents, and it was the custom for the oldest son to stay and take care of the parents. The household consisted of my grandparents, parents, older brother, younger sister, and me.
Neither of my parents had the chance to attend college, so they didn’t make much money. Still, they managed to send my brother to a technical college, my sister to a junior college, and me to a junior college in Japan and another two years at an American college. They even paid for a big part of my sister’s big wedding, another big wedding for my brother, a trip to attend my first wedding in the United States, and helped my first husband and I to put a large down payment on our house. How could an ordinary couple with lower-class income do all that without incurring debt? My short answer is that they are very hardworking, frugal, and selfless people. I believe that they wanted us three kids to live a better life than they did because they watched their parent(s) struggle after becoming homeless.
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