I'm an Iranian woman who was born into a typical family.I learned the importance of
saving money in my childhood because of war and economic problems in my country. We
had a family meeting on the first of every month about financial issues and budgets. In
my country food is respected and an important part of our culture. After moving to the UK
and starting a new life with my husband I learned more from him. We save our earnings
every month and then we pay the mortgage, bills and other necessary items. We have a
specific budgetfor food shopping every week. It's really important to us and something
we kept from our own culture and brought to our life here, it really helps us.In the UK
people can buy everything for a good price and you can find everything you want in the
nearest supermarket but there isn't very much diversity because of the big companies.
That's really different to Iran. Many people in the UK would benefit from advice on
how to make better use of their money. In the supermarkets we see big trolleys full of
unnecessary things and then binspiled up with half-finished foods. It's not beautiful
at all! It's seems too that some people spend a lot of time shopping but they aren't
really happy.When my teacher told the class about the competition to discuss the
importance of financial planning and saving money, I really wanted to do something.
I thought it would be a good idea to use my life experience, knowledge and creative skills to help others. Maybe someone needs to hear that, it could help them. I hope it so because my biggest worry is about people being unhappy because of money problems and the damage to our planet.I was a designer in my country, in this job you can create anything. You can make your world.
I decided to do a painting for this competition to turn my writing into a colourful and challenging piece of art.
In this painting everything has a meaning. The bubbles are symbols of fleeting happiness and memories; burst bubbles are symbols of bad feelings after wasting money and time. To explain the colour and objects in the painting: Green is the symbol of nature and the yellow colour on top is the sun.
The hand shows the people of the world and it's a symbol of working and protecting the planet.
The plant is the symbol of results, of something we wait to produce results- like saving! We have saying in our language Farsi about obtaining a peacock by doing something difficult. The meaning in English is "you can't have sunshine without rain" You need to be very patient to see the full open feathers, again like savings and planning for the future.
There are six golden circles for continents and money‚ The golden lines in the hand are our sources and savings.
Golden lines on the leaves show how the savings can back to us.
On the top of painting is our beautiful planet, still, blue and full of gifts for us.
I hope this painting makes someone happy and that you enjoy it. Saving and controlling spending is an important priority in this century because our resources are limited and our expenditures are unlimited.
This is about how to save money…and why?
We need money to live. That’s why we want to save money, but it’s not easy! How we can do this? The best idea is to do some research. When you search you can find many ways to help with this. Articles, advice, apps and people who can help you professionally! They’ll tell you about:
It’s all very good advice but it’s not quite enough. I want to tell you something else about this subject I’ll start with a question. Where do we put out feelings and happiness in these categories?
2: share happiness
3: make the earth into a better place for life
First I ask you to picture your home! Cupboards, cabinets, dresser and drawers. What do you see in them?!
Things that you bought but don’t use, many things you bought but don’t really like, things you bought but you don’t need. So many things you bought but you can’t remember! How about food?! How much did you pay for your food last year and how much did you really eat and enjoy?! Everything in this world has two costs, at first we only see the money we pay but the second price is the real cost. The cost to the planet. Remember all the unnecessary things you bought!!
We waste water, oxygen, energy and natural materials as well as money. It’s not wise at all!! It’s horrible but all of us are doing it every day.
You go food shopping when you are hungry and when you get home there’s a whole supermarket in your bag…then three days later you throw half those things in the bin! You go shopping when you are depressed or angry.
You won’t choose suitable things; you just waste your money and time instead. Stop shopping and making financial decisions when you aren’t in a good mood. Stop and think about it for a second.
It makes you disillusioned and disappointed about your life and affects your future because you are growing older every day and every moment. You should be trying to develop and improve yourself. Life is happening, time is passing whether you want it or not. It’s a process you can’t stop- but it can be an exciting journey. You can help this journey with small and important decisions about your life – for your happiness, success and money.
We buy many things we really don’t need and don’t know why.
What should we do?! It’s the first and most important step in saving money.
Let’s go to an imaginary purchase…
When we take something from the shelf, thinking we really want to buy it but hesitate. Then put back on the shelf!!
So, how we can be sure if we need something?
After choosing something please ask yourself these questions:
If it makes you happy for a long time it’s a good choice.
Sometimes we buy just to show off to others. If we don’t get enough attention it will be disappointing - so don’t buy to get happiness from other people.
Money can make us happy even when we spend it on someone else. For example, you bought a little gift for your Mum to surprise her. Her smile can make you happy forever when you remember that moment, but instead many of us pay our money for forgettable things.
Know your dreams and to make those dreams true you should have a happiness piggy bank.
Memories will give us life-long happiness. Sometimes we all need some necessary things like shoes but not 20 pairs of shoes like in a warehouse! You can have them but it’ll never make you feel good and you’ll never smile when you look at them. When you remember how much you spent, you’ll be sad.
Sad because you wasted your money and lost your dreams! Remember this financial plan: