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How much can we save compared to our income? Are mortgage payments always sustainable? Can we set aside a portion of our savings in a pension fund? These are just some of the many assessments and choices we must face in order to maintain balance in our financial lives.
In fact, the word we should focus on is: balance. Starting from such considerations, within the financial capabilities of everyone, saving and investing should be an almost natural attitude: that is, even before considering the pros and cons of a purchase or investment, the behavior should be carried out from the ability to think and a sufficient dose of common sense. Thus, our attitude is to guarantee (relative) calmness about the future consequences of our decisions. After all, the term “New Balance” is also the title chosen for the Savings Fair 2024.
Yet, in most cases, and we receive examples every day, such as in the messages and calls we receive on our program “Due di Denari” on Radio 24, this fundamental balance seems to be missing in economic choices, big or small. Judging by the general perception, for many people, saving seems to be nothing more than a sacrifice, certainly not an investment in a peaceful future, nor a step forward in a project for oneself or one’s family. Yet, in this way, the chances of making sporadic choices, without proper planning, increase. They may then be revised and corrected, only to be denied in turn by the same lack of balance and possible, perhaps inevitable, disappointment.
On the other hand, if we savers are still unable to abandon unproductive attitudes, not just from a financial point of view, then it must be said that the environment in which we have to act does not help us. After years of pandemics and shock recovery from inflation, we still cannot imagine if and when central banks will start cutting interest rates, or if wars and political tensions in Europe, the Middle East, Asia will trigger another crisis. Suddenly, our projects.
In this financial panorama, not just finance, where the complexity grows exponentially, it is easy to lose sight of your savings and investment projects. We focus on short-term plans and lose sight of the long term, the vision and our own future. Inevitably, we lose the balance we need. This will be the theme of the Radio 24 conference “The Balanced Saver”, which will take place during the third and final day of the Savings Expo on Thursday 11 April.
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