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Savings - Why is it so important???? 

Ram and syam, both are friends. Ram is a software engineer earning 1 lakh per month. Syam is a Marketing executive earning 30 thousand per month.

Both of them have two different lifestyles. Ram loves a luxurious life, he bought a car, house and used to enjoy his life by taking loans and paying instalments as he is earning 1 lakh per month. On the otherside Shyam spends the money he earns as and when required and saves the remaining for his future.

Both of their journeys went on and on. Due to some crisis both lost their jobs and were unemployed for a period of one year.

Ram become bankrupt as he not able to pay the interest and dues on time, however Shyam used the savings for the said period and started his new job and end up with no debts.

Ram was confused and had lot of doubts about how Shyam managed the things as he was earning less than him and one day he asked Shyam I was earning more than you, I bought a car, house etc but end up nothing. How could you manage without debts as you are earning very less compared to me?

Shyam said see bro, yes you are right I was earning less than you however I used to spend when and what is required. I used to enjoy my life but not with money. I used to save each and every rupee after I spend all my expenses.

When I started my earning I decided to lead a peaceful life with no debts but with some savings.

Enjoying with money will be fine but end up with debts will lead us to face many problems.

It doesn't matter how much you are earning, it's only matters how much you are spending and how much you are saving.

ALWAYS TRY TO SAVE SOMETHING FOR YOUR FUTURE BECAUSE FUTURE WILL HAVE SOME OTHER PLANS FOR US.

At that point Ram realised the value of savings and started his new life with great joy..

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