{"id":867,"date":"2023-04-28T08:44:06","date_gmt":"2023-04-28T03:14:06","guid":{"rendered":"http:\/\/dushyantnomics.com\/?p=867"},"modified":"2023-04-28T08:44:09","modified_gmt":"2023-04-28T03:14:09","slug":"financially-savvy-tips","status":"publish","type":"post","link":"https:\/\/dushyantnomics.com\/financially-savvy-tips\/","title":{"rendered":"How to be More Financially Savvy"},"content":{"rendered":"\n

If you are a regular reader of this blog, then you are already pretty financially savvy. Let us take it up a notch higher now.<\/p>\n\n\n\n

Here are some simple tips that follow the broad script outlined in the financial wellness guide<\/a>.<\/p>\n\n\n\n

Powerful Tips to Be More Financially Savvy<\/strong> <\/span><\/h2>\n\n\n\n

Here are 5 uncommon yet powerful tips that will help you to be financially savvier than most people around you.<\/p>\n\n\n\n

Employer Loyalty is for You, Not Your Money<\/strong><\/span><\/h3>\n\n\n\n

Just like integrity, employer loyalty is a basic expectation from all employees. <\/p>\n\n\n\n

But that loyalty only applies to you as an individual with the skills you bring to the job.<\/p>\n\n\n\n

Don\u2019t extend this loyalty to your savings because diversification is one of the key tenets of investing<\/a>.<\/p>\n\n\n\n

No matter how optimistic you are about the prospects of your employer it is never a good idea to leave all your eggs in the same basket.<\/p>\n\n\n\n

Leaving a large part of your personal savings tied up to the fortunes of your company or industry is not financially smart.<\/p>\n\n\n\n

If your company does well you will be part of it anyway, through your annual salary increases and\/or bonuses. <\/p>\n\n\n\n

But should things go the other way, you may lose your job but at least your savings and investment won\u2019t be directly impacted.<\/p>\n\n\n\n

If all this sounds too abstract let me make it real for you. <\/p>\n\n\n\n

Employees at Lehman Brothers are a case in point. You can read how they lost millions<\/a> of their personal savings too with the collapse of the company.<\/p>\n\n\n\n

Now you may be getting a part of your compensation as stock options with your current employer. <\/p>\n\n\n\n

It is fine to stick with those till the time you are free to sell them.<\/p>\n\n\n\n

Your employer may not always look favourably upon you for selling your stock options. That is a personal choice you will have to make from time to time.<\/p>\n\n\n\n

But putting any money voluntarily into your company\u2019s stock, debt or some other financial scheme should be clearly avoided. <\/p>\n\n\n\n

There are plenty of other options in the market where you can deploy your savings instead.<\/p>\n\n\n\n

Know When to Ask for Help<\/strong><\/h3>\n\n\n\n

Most financial decisions you make on a day-to-day basis are pretty routine. <\/p>\n\n\n\n

You don\u2019t really need a financial advisor to help you with these.<\/p>\n\n\n\n

Things like how much to spend on a new outfit, an evening out with your friends or which hotel to book for your holiday.<\/p>\n\n\n\n

But being financially savvy is also about knowing when to ask for specialist help.<\/p>\n\n\n\n

It is a good idea to ask for help or get a second opinion on 2 types of financial decisions in particular.<\/p>\n\n\n\n

When the feedback from your decision is going to come after a long time<\/span><\/strong><\/h4>\n\n\n\n

Imagine you go to a new restaurant and order a dish. <\/p>\n\n\n\n

As soon as you take the first bite, you will have feedback on your choice. If you don\u2019t like your dish, you are probably never going there again.<\/p>\n\n\n\n

Now compare this with investing money for your retirement. <\/p>\n\n\n\n

Since it is a process that you will be doing for the next 15-20 years, it will take a really long time before you have feedback if you made the right choice.<\/p>\n\n\n\n

And if you have not made a good choice, it will be too late to do something about it.<\/p>\n\n\n\n

Feedback about your choice that arrives when you are already retired and run out of money will be of little help.<\/p>\n\n\n\n

When the decision is personal and emotional<\/strong><\/span><\/h4>\n\n\n\n

We are not very good at making rational decisions when we are emotionally attached to the subject in question.<\/p>\n\n\n\n

For example, the decision to sell the house you grew up in can be very personal and emotionally charged. <\/p>\n\n\n\n

It is much more than a piece of real estate as far as you are concerned.<\/p>\n\n\n\n

You are likely to value it much higher than someone else looking at the same property. <\/p>\n\n\n\n

Part of this is explained by the endowment effect<\/a>.<\/p>\n\n\n\n

Getting some help from an external expert minimises the emotional impact on the choice you are about to make.<\/p>\n\n\n\n

Be Wary of Watercooler Talk <\/strong><\/span><\/h3>\n\n\n\n

A lot of what we do in life is influenced by what we see people around us doing.<\/p>\n\n\n\n

The office pantry is the preferred place to exchange office gossip with your colleagues.<\/p>\n\n\n\n

It also is the place where you are most likely to get the \u201chottest investment tips\u201d from your co-workers. <\/p>\n\n\n\n

The most common place for someone to boast about how he made a killing with some investment idea.<\/p>\n\n\n\n

It can be hard to know if the person is telling the truth or just building some hype to pull you into a Ponzi scheme.<\/p>\n\n\n\n

Do make sure to take anything you hear at the water cooler with a spoonful of salt. <\/p>\n\n\n\n

If an investment idea sounds too good to be true, it probably is.<\/p>\n\n\n\n

By all means take the investment idea from your co-workers but do make sure to research it further when you have the time.<\/p>\n\n\n\n

Jumping into any financial product simply based on the chatter of a colleague is not a financially savvy way of going about it.<\/p>\n\n\n\n

Not Being a Sucker is a Huge Advantage<\/strong><\/span><\/h3>\n\n\n\n

Here is the interesting thing about personal finance:<\/p>\n\n\n\n

Contrary to popular opinion it takes very little effort to get yourself up to a basic level of financial literacy. <\/p>\n\n\n\n

A level that is good enough to ask a couple of sensible questions to someone selling you a financial product.<\/p>\n\n\n\n

Consider this situation:<\/p>\n\n\n\n

Let\u2019s say someone is trying to sell you a financial investment that is \u201cguaranteed\u201d to give a 15-20% return in one year.<\/p>\n\n\n\n

A basic level of financial literacy will allow you to ask the seller a couple of simple questions:<\/p>\n\n\n\n

Can you show me the piece of paper where it says this return is \u201cguaranteed\u201d and by whom?<\/p>\n\n\n\n

How much of your own money have you invested in it since it is such a good offer?<\/p>\n\n\n\n

A couple of questions like this is all it takes for the seller to know that you are not a sucker and will not accept things at face value.<\/p>\n\n\n\n

It will save you from putting your hard-earned money into an unsuitable investment. <\/p>\n\n\n\n

Not falling for a bad investment idea is just as financially savvy as choosing a good investment.<\/p>\n\n\n\n

The seller will quickly leave you and end up pitching the product to someone else who has not bothered to learn even the bare basics of personal finance.<\/p>\n\n\n\n

And that includes most of your colleagues since so few people actively make the attempt to acquire the basics of personal finance knowledge.<\/p>\n\n\n\n

Don\u2019t be too loyal to Loyalty Cards<\/strong><\/span><\/h3>\n\n\n\n

If you are used to showing great loyalty towards your loyalty cards, you might be losing money without realising it.<\/p>\n\n\n\n

Loyalty cards are one of the best marketing inventions that make you spend more money than you intended to.<\/p>\n\n\n\n

Are you doing any of the below:<\/p>\n\n\n\n

Spending money to take more expensive flight options just to keep your airline miles active?<\/p>\n\n\n\n

Overspending to get into a higher tier of loyalty level (from silver to gold)?<\/p>\n\n\n\n

Giving money in advance to your coffee shop or gym to get a loyalty discount?<\/p>\n\n\n\n

Committing yourself to a time share scheme for the next few decades of holidaying?<\/p>\n\n\n\n

Buying things you don\u2019t really need because there is great deal only for loyalty card members?<\/p>\n\n\n\n

Loyalty cards are great for the companies selling them. <\/p>\n\n\n\n

They are not so great for you, if you lack the self-discipline for analysing every purchase decision you are making.<\/p>\n\n\n\n

Take a peek into your wallet. <\/p>\n\n\n\n

Maybe it is time to chuck away some cards that are actually making you spend more money than you want to.<\/p>\n\n\n\n

Conclusion<\/strong><\/span><\/h4>\n\n\n\n

Getting financially smarter than others is not that difficult if you take some uncommon but simple steps like the 5 outlined above.<\/p>\n\n\n\n

In order to be financially savvier, you don\u2019t need to be smarter than others in the traditional sense.<\/p>\n\n\n\n

You just need to be more disciplined.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you are a regular reader of this blog, then you are already pretty financially savvy. Let us take it up a notch higher now. Here are some simple tips that follow the broad script outlined in the financial wellness guide. Powerful Tips to Be More Financially Savvy Here are 5 uncommon yet powerful tips […]<\/p>\n","protected":false},"author":1,"featured_media":5053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7],"tags":[],"yoast_head":"\nHow to be More Financially Savvy<\/title>\n<meta name=\"description\" content=\"5 powerful financially savvy tips for busy professionals. 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