Warren Buffett might have billions of dollars to his name, but unlike other celebrities and financial gurus, he prefers to live life simply for the most part.
រូបតំណាងវិនិយោគអនុវត្តនូវអ្វីដែលគាត់បានអធិប្បាយនៅពេលនិយាយអំពីវិន័យហិរញ្ញវត្ថុ ការសន្សំ និងការសងបំណុល។
Buffett gave an early warning last May about today’s higher prices when he told a livestream audience of over 28 million during Berkshire Hathaway’s annual meeting that “substantial inflation” was already hitting businesses.
When one of the world’s most successful investors raises concerns about rising prices, it’s probably a good time to apply some well-tested strategies to tighten your belt. Here are nine ways Buffett’s frugality can help you save and spend wisely.
គាត់រស់នៅក្នុងផ្ទះតែមួយដែលគាត់បានទិញនៅឆ្នាំ ១៩៥៨
While most billionaires bulk up on expensive real estate, Buffett originally paid $31,500 for his Omaha, Nebraska, home — that’s about $289,000 in today’s dollars — and he’s lived there for ក្នុងរយៈពេល 60 ឆ្នាំ.
His home is by no means tiny, however. The 6,570-square-foot, five-bedroom house has had plenty of renovations and additions over the decades and is worth about $1 million today. It’s also protected by fences and security cameras and most likely has a good homeowner’s insurance policy as well.
Buffett has no plans to move out, calling it “the third best investment I ever made,” in a 2010 letter to Berkshire Hathaway’s shareholders.
2. គាត់កម្រយកប្រាក់កម្ចីណាស់
កម្ចីទិញផ្ទះតែមួយគត់របស់លោក Buffett គឺនៅលើផ្ទះវិស្សមកាលមួយនៅ Laguna Beach រដ្ឋ California ដែលគាត់បានទិញក្នុងឆ្នាំ 1971 ទោះបីជាគាត់ពិតជាមានសាច់ប្រាក់ដើម្បីទិញអចលនទ្រព្យនៅមាត់សមុទ្រដែលបានចុះបញ្ជី $150,000 ក៏ដោយ។
He told CNBC that he took out the 30-year mortgage loan because “I thought I could probably do better with the money than have it be an all-equity purchase of the house.” He decided to use the extra cash on hand for shares in Berkshire Hathaway — the company that brought him billions.
Buffett’s point about not locking up capital still resonates. And if you own your home, you have options to free up some of your capital by refinancing quickly at today’s low rates before federal regulators raise them as anticipated. A switch may save you thousands of dollars a year.
3. គាត់ទិញអាហារពេលព្រឹកថោក
ខណៈពេលដែលលោក Buffett អាចមានមេចុងភៅផ្ទាល់ខ្លួន ចម្អិនអាហារពេលព្រឹកដ៏ឆ្ងាញ់ពិសា គាត់បានចាប់យក Mickey D's ជាញឹកញាប់នៅពេលគាត់ទៅធ្វើការ។ គាត់និយាយថាគាត់មិនចូលចិត្តចំណាយលើសពី 3.17 ដុល្លារលើអាហារពេលព្រឹករបស់គាត់ទេ។
គាត់និយាយនៅក្នុងភាពយន្តឯកសារឆ្នាំ 2.61 របស់ HBO ថា "នៅពេលដែលខ្ញុំមានអារម្មណ៍ថាមិនសូវរីកចម្រើន ខ្ញុំប្រហែលជាទៅជាមួយ $2017 ដែលជាសាច់ក្រកពីរ ហើយបន្ទាប់មកខ្ញុំដាក់វាចូលគ្នា ហើយចាក់កូកាកូឡាឱ្យខ្លួនឯង" គាត់និយាយនៅក្នុងភាពយន្តឯកសារឆ្នាំ XNUMX របស់ HBO ។ ក្លាយជាវរិនប៊ូហ្វេត. He continues: “$3.17 is a bacon, egg and cheese biscuit, but the market’s down this morning, so I’ll pass up the $3.17 and go with the $2.95.”
Instead of going out for meals or buying a latte from Starbucks every day, make your own lunches and coffee. And when you buy online, you might be able to get a better deal with some help comparison shopping.
៤. គាត់ទិញឡានដែលមានសញ្ញាសំគាល់
Many billionaires and millionaires keep a collection of flashy sports cars and vintage models in their garages, but Buffett allegedly prefers fixed-up automobiles that he can acquire at reduced prices.
He upgraded from his 2006 Cadillac DTS to a Cadillac XTS for just $45,000 in 2014. “The truth is, I only drive about 3,500 miles a year, so I will buy a new car very infrequently,” he told Forbes.
Whether you opt for a brand-new car or a slightly used model, emulate Buffett by spending within your limit. That means you won’t want to go for the first loan you spot and should look around for better deals. A good habit is to do a quick check of auto insurance rates every six months.
5. គាត់មិនពុះពារនឹងម៉ាកទេ
Buffett doesn’t much care for designer suits or the latest iPhone model — he relied on his $20 flip-phone for years before swapping it out for the Apple smartphone in 2020.
Buffett avoids unnecessary spending and once said, “Do not save what is left after spending, but spend what is left after saving.”
Park your funds in a high-yield savings account or in a diversified investing portfolio so the money can grow over time. Set aside your extra cash for an emergency fund or retirement instead of blowing it all on nonessential purchases.
6. គាត់មិនវិនិយោគជាមួយប្រាក់កម្ចី (ទៀតទេ)
“ ខ្ញុំមិនដែលខ្ចីប្រាក់ចំនួនច្រើនក្នុងជីវិតរបស់ខ្ញុំទេ។ មិនដែល មិនដែលនឹងធ្វើ។ ខ្ញុំមិនមានចំណាប់អារម្មណ៍លើវាទេ” គាត់បានប្រាប់និស្សិតនៅ Notre Dame ក្នុងឆ្នាំ ១៩៩១ ។
ថ្វីបើយុវជនប៊េហ្វេតម្នាក់បានខ្ចីប្រាក់ ២៥% នៃទ្រព្យសម្បត្តិសុទ្ធរបស់គាត់ដើម្បីទិញភាគហ៊ុនក៏ដោយក៏គាត់ព្រមានវិនិយោគិនកុំឱ្យធ្វើខុសដដែលៗ។
Even skilled stock traders will tell you borrowing to invest can be risky. And there’s no real need with investing apps that allow you to start with a small amount of money, like one that lets you invest your “spare change”.
7. គាត់ធ្វើអ្វីដែលគាត់ស្រឡាញ់
Buffett credits some of his success to his passion for investing. “You have to love something to do well at it,” he says, urging people to take the jobs they love, instead of positions that look good on your resume.
Even if you can’t quit your full-time job to focus on the things you truly enjoy, you can certainly find the time for some affordable hobbies. Buffett himself enjoys card games and playing the ukulele.
And if you’re looking for a way to boost your income, capitalize on your skills and hobbies and set up your own side hustle.
8. គាត់រកវិធីច្នៃប្រឌិតដើម្បីសន្សំ
នៅពេលដែលកូនដំបូងរបស់ប៊ូហ្វេតបានកើតមកគាត់បានបំលែងទូដាក់ខោអាវទៅក្នុងបន្ទប់ដាក់ឥវ៉ាន់។ សម្រាប់លើកទីពីររបស់គាត់គាត់បានខ្ចីកុនអរងឹង។
មហាសេដ្ឋីរូបនេះនិយាយថា "ប្រសិនបើអ្នកទិញរបស់ដែលអ្នកមិនត្រូវការ អ្នកនឹងលក់របស់ដែលអ្នកត្រូវការឆាប់ៗនេះ"។
Take a good, hard look at your finances and figure out where you can cut down on. Get yourself a library card and borrow books and movies instead of purchasing them. Or try a budgeting app to monitor your spending habits.
៩. គាត់ប្រើសាច់ប្រាក់មិនមែនឥណទានទេ
ខណៈពេលដែលយើងភាគច្រើនចូលចិត្តភាពងាយស្រួលនៃកាតឥណទានសម្រាប់ការទិញប្រចាំថ្ងៃរបស់យើងប៊ូហ្វេតប្រើប្រាស់សាច់ប្រាក់រឹង។
He told Yahoo Finance Editor-in-Chief Andy Serwer in 2019 that he uses cash “98% of the time. If I’m in a restaurant, I’ll always pay cash. It’s just easier.” While the method may sound a bit old school, relying less on your credit card can help prevent spending money you don’t have.
Using most of your available credit and falling behind on your monthly payments damages your credit score. If you’re struggling to pay off your credit card debt, you might want to consider bundling it up into a debt consolidation loan with a lower interest rate.
អត្ថបទនេះផ្តល់ព័ត៌មានតែប៉ុណ្ណោះហើយមិនគួរបកស្រាយជាដំបូន្មានឡើយ។ វាត្រូវបានផ្តល់ជូនដោយគ្មានការធានាគ្រប់ប្រភេទ។
Source: https://finance.yahoo.com/news/9-ways-warren-buffetts-frugal-215300788.html