The hottest Savings Substack posts right now

And their main takeaways
Category
Top Finance Topics

❄️ 💰 15,9 % : taux d'épargne des Français. Et vous ?

Snowball • 1650 implied HN points • 01 Mar 23
💰 Finance Savings Budgeting Investing Personal Finance Money Management
  1. The savings rate of French citizens is 15.9%, consider your own savings.
  2. Understanding the basics of saving, the importance of putting savings to work in your budget, and determining the ideal amount to save.
  3. Tips for successful saving: set annual goals, make saving a habit, establish rules, track your savings, and create a balanced situation.

Top Links 594 American consumers flipflop. Questioning the savings glut & the strain of too much scientific publishing.

Chartbook • 286 implied HN points • 21 Dec 24
💰 Finance Economy Consumer behavior Savings Publishing Scientific research
  1. American consumers are uncertain about their spending and saving habits right now. It shows there's a lot of confusion about the economy.
  2. There's a discussion about whether there's too much focus on saving money in the economy. Some believe this could be a problem.
  3. The volume of scientific publishing is increasing, and this might be causing stress for researchers. It's important to find a balance in how much gets published.

Is Aging Behind Japan’s Drop in Consumer Spending?

Japan Economy Watch • 339 implied HN points • 01 Dec 23
💰 Finance Consumer spending Aging Income Savings Healthcare
  1. Aging is not the main reason for Japan's declining consumption, which is partly due to a decrease in the number of people and stagnant or falling income.
  2. Spending per capita dropped 1.3% from 2012 to 2022 despite an increase in GDP, indicating a complex mix of factors contributing to the decline.
  3. Economies of scale play a significant role in the spending habits of seniors, who end up spending about 7% more per person compared to younger households.

Americans' Incomes Are Rising Too Fast for 2% Inflation

The Overshoot • 393 implied HN points • 25 Feb 23
💰 Finance Economics Inflation Income Savings Employment
  1. Americans' incomes have been rising rapidly, with a 10% increase in disposable income since last summer.
  2. This rise in income is leading to concerns about potential inflation, as increased spending may outpace production.
  3. The surge in employment income is a key factor in driving consumer spending and could impact inflation rates.

Eight steps to a better financial future

A Bit Gamey • 6 implied HN points • 26 Jan 25
💰 Finance Investing Savings Wealth Management Financial planning Risk management
  1. Cutting back on spending can help you save money without sacrificing enjoyment. Making small, easy cuts can really add up.
  2. It's important to have an emergency fund for unexpected situations. Protecting yourself financially can give you peace of mind.
  3. Invest in your future by researching and learning about different investment options. The more you know, the better decisions you can make.
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Street Notes 6: Solar panels aren’t just a climate solution

Parachute • 58 implied HN points • 02 Mar 23
🌞 Climate & Environment Solar Power Jobs Savings Green Technology
  1. Solar panels offer more than just a climate solution - they bring value to individuals and communities.
  2. Solar industry creates jobs for people of diverse backgrounds, offering stable career paths in a transitioning economy.
  3. Solar power provides energy resilience, independence, cost savings, and financial security to households, transforming lives beyond environmental benefits.

Fundamentals: compound interest explained

Concepts of Finance 🧠 • 119 implied HN points • 13 Feb 23
💰 Finance Investing Savings Banking Personal Finance
  1. Compound interest lets you earn interest on both your original savings and the interest you've already earned. It's like a snowball getting bigger as it rolls down a hill.
  2. The longer you keep money in a compound interest account, the more you'll earn. This means that starting early can lead to much bigger savings over time.
  3. You can find compound interest rates from banks, credit unions, or online calculators. Knowing these rates can help you make better decisions about saving and investing.

Conversation On Japan's Economic Vulnerability

Japan Economy Watch • 119 implied HN points • 08 Jul 22
💰 Finance Economy Consumption Income Savings Government spending
  1. In Japan, household income growth has shifted significantly towards relying on government transfers rather than private sector income, impacting consumer spending.
  2. The consumption share of real GDP in Japan has declined over the years, impacting economic growth and potentially leading to weaker consumption patterns.
  3. Japanese consumers have drastically reduced their saving rates, shifting towards a trend of living hand-to-mouth, which has implications on personal finances and economic stability.

401(k)s Are Failing Americans.

JoeWrote • 29 implied HN points • 12 Sep 23
💰 Finance Retirement Pensions Savings Wealth
  1. 401(k)s are leaving many Americans unable to retire due to insufficient funds.
  2. 401(k)s were never intended to be the main retirement system but have been pushed as such by employers.
  3. The shift from pensions to 401(k)s has placed an unrealistic burden of retirement savings on individuals, leading to many people working past traditional retirement ages.

A Few Examples That Show How Counterintuitive Compounding Is

Kartick’s Blog • 0 implied HN points • 05 Feb 25
💰 Finance Investing Savings Retirement Credit
  1. Compound interest can work in surprising ways. For example, investing for a longer time usually earns you much more than just putting in more money for a shorter time.
  2. If you have losses in investments, the gains needed to break even are usually higher than you think. A 10% loss actually needs an 11% gain to recover fully.
  3. Starting to invest early can lead to huge benefits, even if you invest less. Time in the market can be more powerful than investing more money later.

Coupon Maven Update: Watch me ransack CVS

Matt’s Five Points • 0 implied HN points • 08 Jul 10
💰 Finance Savings Shopping Retail Money Management
  1. CVS has tons of sales and discounts that make it easy to save money. You can often find great deals on everyday items like toothpaste and laundry detergent.
  2. The 'buy one, get one free' sales at CVS can stack with manufacturer coupons. This lets you get items for free or even make money on some purchases.
  3. CVS's Extra Bucks program gives you store credit for future purchases. You can get these credits by buying certain items on sale, and they can make your next shopping trip even cheaper.

In which I buy $22.10 worth of groceries for $4.95

Matt’s Five Points • 0 implied HN points • 15 Jun 10
🍲 Food & Drink Grocery shopping Sales Strategy Savings
  1. Using coupons and store cards can lead to big savings. With some planning, you can buy groceries worth much more for a lot less money.
  2. A strategy called 'buy more to save more' can work really well. By purchasing certain amounts of products during sales, you can save even more.
  3. Thinking of grocery shopping as a game can change your approach. It's all about finding deals and matching coupons with sales to maximize savings.

🔥 is FIRE Right for You?

The Wisdom Project • 0 implied HN points • 20 Oct 24
💰 Finance Investing Savings Retirement Financial planning Wealth Management
  1. FIRE means Financial Independence, Retire Early. The idea is to save and invest enough money so that you can stop working much earlier than usual.
  2. There are different approaches to FIRE like Lean FIRE, Indie FIRE, and Barista FIRE, each suited for different lifestyles and savings goals.
  3. To start with FIRE, you should track your expenses and figure out how to save more money. Even small changes can lead to big savings over time.