Friday, January 27, 2023

Save It For The Rainy Days

COVID-19 has taken a toll on not just our physical and mental health, but also our economy which ends up putting resources right into the lap of risk. In the age of modernity and progress that we live in, when technology and new opportunities are at an all-time high, there are always certain patterns that come into play—centurial patterns of the 20's being a time of pandemic plight, for one thing. Or investment patterns for another thing, wherein plans to make a living for the future come into mind, and for this reason we need to save ourselves time and resources.

With cinemas and shops closing their doors to the public while in the heat of the pandemic, alternatives come and go, or perhaps stick around and change the course of the human economy. The not all serious life-or-death talk which involved even in mundane routines, leisurely activities, and sentimental spots, all took a backseat. What used to be fond memories of a freshly bought set of movie tickets is now an online app subscription, what used to be Chinese takeout comfortably sitting at the back of the car now waits upon the kitchen counter freshly harvested from the backyard garden. Money trickles down through interestingly dynamic patterns, and the pandemic sure has shifted it considerably all for safety and convenience’s sake.
My late dad was totally right when he told me more than two decades ago that I should set aside some of my earnings and "save it for the rainy days", and I am glad I listened. Now, as a mother-of-two who always budgets my time, money, and efforts for safety and convenience, budgeting is useful in vast aspects most especially in the realm of monetary management though it can often be time-consuming especially with a stacked schedule. Whether at work, study, or even drafting out plans right in the comfort of my own home, the countdown of how much my family spends on and saves for necessities is always prevalent, sometimes veering off to the point where one may underestimate or overestimate the approximate amount. It’s because of these everyday dilemmas that some useful websites provide the pleasure of doing that job for me so as to cope with the brain overload during these trying times. One such site,, lives up to its name and serves as a good example because of its flexible features and its guides in calculating things like compound interest, along with a handy dandy guide to things like current interest rates. And since I live in a place where the market conditions have drastically changed—though it may also apply to the rest of the world—I might as well take a leaf out of their book and make use of the information readily available there.

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