{"id":3102,"date":"2016-02-02T06:06:20","date_gmt":"2016-02-02T06:06:20","guid":{"rendered":"https:\/\/raizinvest.com.au\/investors\/excuses-excuses-excuses\/"},"modified":"2021-02-08T05:09:48","modified_gmt":"2021-02-08T05:09:48","slug":"excuses-excuses-excuses","status":"publish","type":"post","link":"https:\/\/raizinvest.com.au\/investors\/blog\/excuses-excuses-excuses\/","title":{"rendered":"Excuses Excuses Excuses"},"content":{"rendered":"
\"image\"<\/figure>\n

\u201c<\/i>He that is good for making
\nexcuses is seldom good for anything else\u201d<\/b><\/i>\u00a0\u2013 Benjamin Franklin<\/p>\n

What does everyone who finds it
\nhard to save money have in common? We all have an excuse for why we can\u2019t do
\nit. Let\u2019s talk through a few of the most commonly made excuses.<\/span><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0You
\ncan\u2019t afford it<\/span><\/b><\/p>\n

You want to save, maybe you even
\n\u201ctry\u201d to save sometimes, but your money just doesn\u2019t stretch far enough. It\u2019s
\nnot unusual to feel that you\u2019re not making enough money to start saving, and
\neven those who have generous wages report this as an excuse not to save.<\/span><\/p>\n

So why do you feel like you don\u2019t
\nhave enough money? The simple answer is that you may just be spending more than
\nyou actually\u00a0need\u00a0<\/b>to.\u00a0<\/b>Take a good hard look at
\nyour \u201cnecessary\u201d spending, and think about which items you may be able to cut
\ndown on, and try not to spend more just because you\u2019re earning more.<\/span><\/p>\n

2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0You
\nwill start saving \u201ctomorrow\u201d<\/span><\/b><\/p>\n

You want to save, but it can wait
\nuntil tomorrow, or next month, or next year, what difference does it make? Well
\nactually it could make a lot of difference. Too many of us tell ourselves that
\nit\u2019s fine for us to just leave it until later to start saving.<\/span><\/p>\n

Take a moment to think of your
\nfuture self, who wants to buy a house, go on holiday, or maybe even retire
\nearly. Now ask yourself if there\u2019s any good reason why you shouldn\u2019t start
\nsaving now; with compound returns it can make a big difference if you start
\nsaving early. So don\u2019t put off until tomorrow what you can do today.<\/span><\/p>\n

3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0It\u2019s
\ntoo complicated<\/span><\/b><\/p>\n

With all the different saving and
\ninvesting options, it\u2019s not surprising that many of us are confused about where
\nto start. Super funds, savings accounts, share market? You\u2019ve got a few
\noptions, but they don\u2019t make it that easy for you. Choosing the right super
\nfund, or constructing the right portfolio of shares can be a daunting task at
\ntimes, and may require a significant level of knowledge and expertise.<\/span><\/p>\n

ETFs provide you with a great
\noption to begin investing in the share market; ETFs can track a certain index
\nsuch as the ASX 200, and allow you to gain exposure to a variety of different
\nshares for a very small fee.<\/span><\/p>\n

Using Raiz to help stop the
\nexcuses<\/span><\/b><\/p>\n

Whether you think you can\u2019t
\nafford it, you\u2019re putting it off until tomorrow, or it all seems too complicated,
\nwe think that by using\u00a0Raiz\u00a0<\/b>you can help eliminate those
\nexcuses from your life.<\/span><\/p>\n

By rounding-up your purchases, Raiz
\nhelps you link spending to saving, so instead of thinking about what you can
\nand can\u2019t afford, you can just go about your business while Raiz does your
\nsaving in the background.<\/span><\/p>\n

It\u2019s never too complicated with Raiz;
\nwe\u2019ve constructed 5 different portfolios for you to choose from, from 7
\ndifferent ETFs. With Raiz you get the sophistication of a fund manager, with a
\nfraction of the fees. For more information on Raiz fees, click here<\/span>.<\/a><\/span><\/p>\n

You don\u2019t need to keep putting it
\noff until tomorrow. We have made our sign-up process as easy as possible, so
\nyou can start today and thank yourself later.<\/span><\/p>\n

Say hello to Raiz, and goodbye to
\nexcuses.<\/span><\/i><\/p>\n

 <\/p>\n

\n

 <\/p>\n

Don\u2019t have the Raiz App?<\/h3>\n

Download it for free in the App store or the Webapp below:<\/p>\n

\n
\"download-raiz-app\"<\/a>
Click to download the Raiz app<\/a><\/figcaption><\/figure>\n

 <\/figure>\n

Important Information<\/strong><\/span><\/em><\/p>\n

The information on this website is general advice only. This means it does not take into account any person\u2019s particular investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the product.<\/em><\/p>\n

A Product Disclosure Statement for Raiz Invest and\/or Raiz Invest Super are available on the Raiz Invest website and App. A person must read and consider the Product Disclosure Statement in deciding whether, or not, to acquire and continue to hold interests in the product. The risks of investing in this product are fully set out in the Product Disclosure Statement and include the risks that would ordinarily apply to investing.<\/em><\/p>\n

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.<\/em><\/p>\n

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.<\/em><\/p>\n

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cHe that is good for making excuses is seldom good for anything else\u201d\u00a0\u2013 Benjamin Franklin What does everyone who finds it hard to save money have in common? We all have an excuse for why we can\u2019t do it. Let\u2019s talk through a few of the most commonly made excuses. 1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0You can\u2019t afford it You […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[1],"tags":[],"yst_prominent_words":[98,1224,151,224,245,233,313,97,82,117,166,125,239,308,392,1221,229,1220,1222,1223]}