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Tabungan, uang tunai, bantal

Selamat pagi! Dengarkan... Apakah kalian memiliki uang tunai yang disimpan di bantal keselamatan kalian, agar bisa diakses sewaktu-waktu (sebuah "tabungan darurat" secara kiasan)? Salam.
Selamat pagi! Dengarkan... Apakah kalian memiliki uang tunai yang disimpan di bantal keselamatan kalian, agar bisa diakses sewaktu-waktu (sebuah "tabungan darurat" secara kiasan)? Salam.
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6 answers


Siwa173
I think everyone should have at least a 3-month sum of what they spend (food, rent, bills, etc.) in cash at home. We must remember that at any time the bank can change the maximum amount available for withdrawal from the ATM to a very small sum of money. An example of this could be Greece a few years ago during their crisis, as far as I remember the maximum daily withdrawal was 50 euros or even less, even if one had several thousand in their account there was no chance of withdrawing more cash. I suspect similar methods are being used now in Ukraine and Russia. I know cash loses value, but I believe a certain part of savings should always be kept in cash. It would also be a good idea to keep cash in different currencies such as euros, British pounds, Swiss francs.
I think everyone should have at least a 3-month sum of what they spend (food, rent, bills, etc.) in cash at home. We must remember that at any time the bank can change the maximum amount available for withdrawal from the ATM to a very small sum of money. An example of this could be Greece a few years ago during their crisis, as far as I remember the maximum daily withdrawal was 50 euros or even less, even if one had several thousand in their account there was no chance of withdrawing more cash. I suspect similar methods are being used now in Ukraine and Russia. I know cash loses value, but I believe a certain part of savings should always be kept in cash. It would also be a good idea to keep cash in different currencies such as euros, British pounds, Swiss francs.

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michal51525
I put everything on the stock exchange in stocks, cash itself quickly devalues ​​and by investing on the stock exchange you have the opportunity to multiply it. You can also always quickly liquidate stocks if necessary.
I put everything on the stock exchange in stocks, cash itself quickly devalues ​​and by investing on the stock exchange you have the opportunity to multiply it. You can also always quickly liquidate stocks if necessary.

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Anonymous
Surely one needs to distinguish whether you are talking about savings for unforeseen events, accidents, illnesses of yourself or loved ones, loss of job, or anything else - because they do not have to be in the form of cash, you can safely keep them in a deposit, in liquid assets, etc. Or about paper cash simply for spending in stores on daily purchases, or for exceptionally negative events, blocking of bank accounts, ATM withdrawals, war, necessity of escaping the country, etc.
Surely one needs to distinguish whether you are talking about savings for unforeseen events, accidents, illnesses of yourself or loved ones, loss of job, or anything else - because they do not have to be in the form of cash, you can safely keep them in a deposit, in liquid assets, etc. Or about paper cash simply for spending in stores on daily purchases, or for exceptionally negative events, blocking of bank accounts, ATM withdrawals, war, necessity of escaping the country, etc.

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Maciej Ostatek
I believe that the cushion should be worth 3-6 months of expenses. Invested in:1. unique safe non-physical assets (bonds, deposits) - 40%2. Physical:2.1 Cash in Polish zloty 20%2.2 Cash in euros/dollars 20%2.3 Physical gold 20%The cushion is not meant for investing, it should be available in case of unforeseen situations such as illness where you can liquidate bonds. In case of unforeseen but sudden events (war, natural disasters) - physical assets.But I am curious about the opinions of others.
I believe that the cushion should be worth 3-6 months of expenses. Invested in:1. unique safe non-physical assets (bonds, deposits) - 40%2. Physical:2.1 Cash in Polish zloty 20%2.2 Cash in euros/dollars 20%2.3 Physical gold 20%The cushion is not meant for investing, it should be available in case of unforeseen situations such as illness where you can liquidate bonds. In case of unforeseen but sudden events (war, natural disasters) - physical assets.But I am curious about the opinions of others.

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Mariusz Kępiński
Yes, I have 1000 zł cash at home in case the banks collapse.
Yes, I have 1000 zł cash at home in case the banks collapse.

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In the ideal world, all the above answers are great and show financial awareness, which is very pleasing, that as a Nation we are getting better educated:) I personally also have a few such places. Revolut: Currency basket here XTB: Stocks from the native market Bybit: trading with small amounts to be in the market but also launchpools which are safe because the funds are frozen like in a time deposit, only for a much shorter period and give x10 higher return I haven't grown up to holding cash yet but it is also one of the safest options
In the ideal world, all the above answers are great and show financial awareness, which is very pleasing, that as a Nation we are getting better educated:) I personally also have a few such places. Revolut: Currency basket here XTB: Stocks from the native market Bybit: trading with small amounts to be in the market but also launchpools which are safe because the funds are frozen like in a time deposit, only for a much shorter period and give x10 higher return I haven't grown up to holding cash yet but it is also one of the safest options

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