momey“Save for rainy days” is what they say. “Plan ahead” they might even add.

While it is obvious that people mean well when they say this, you still can’t help but think “Yeah, I know.  But can you tell me how?”

Let’s face it; saving up for the rainy days is easier said than done. You’ve probably written the same new year’s resolution a dozen times. Save up for rainy days, save up for rainy days, SAVE UP FOR RAINY DAYS! But no matter how many times you convince yourself to do this one thing, something always seems to come up – something you consider “important.”

Oh, look! There’s that brand new 70-inch TV the evening commercial was raging about! I got to have that! I mean, everyone else is getting one. I work so hard every day, the least I deserve is getting that TV.   

Or,

Hey, have you seen that exclusive sushi restaurant down by 10th street? I heard they only serve 5 guests per seating! Talk about extravagant! I really want to try it. Paying $600 dollars is a cheap price for such an enthralling experience.

See the problem here? The biggest wall that hinders us from committing to a more frugal lifestyle is our own selfish desire for materialistic things. We tend to be swayed by ideas of owning items or objects that hardly even add value to our lives. Buying a 70-inch screen TV will certainly not improve the quality of shows airing on it. The movies, series, and shows you watch will technically still be the same. Eating a $600 dinner will give you no more satisfaction than preparing a home cooked meal for less than $6. With the right ingredients and some practice, you can create a scrumptious meal all by yourself – with a $594 savings, at that.

You see, in order for us to actually save, we have to quit thinking about unnecessary costs. We have to learn how to separate our needs from our wants (Check this out later: https://www.thebalance.com/how-to-separate-wants-and-needs-453592). Yes, we can afford it. Yes, we deserve it. But try to ask yourself “Is this worth it?” The unexpected always comes during times we least expect (obviously). And while we may be in possession of so-called “extra cash,” we never know when we’re going to need it more. Spending it on things that you can live without is nothing but unwise. Instead of allotting that kind of money on purchases that won’t necessarily add value to your life, tuck it away for times of grave emergency.

Then again, that’s the problem here. It’s why we started this whole article in the first place. It’s just NOT that easy to save, okay?

So let me introduce you to HSA. Let’s find out what it is.

What is HSA?

I really want to get straight to the point so let me reveal what bend HSA means right here and now:  HSA is an acronym for Health Savings Account.

That’s right. If there is one important thing we must concern ourselves with, it’s our physical well-being. Every day we expose ourselves to stress, microbes, contagious diseases, and pollution. We go to work with less than 8 hours of sleep and sometimes even on an empty stomach. Getting sick doesn’t really come as a surprise given this way of life.

But it is exactly because we are aware of this fact that we must find ways to counter it. We may be young, able, and full of energy but you never know what’s waiting up ahead. We may not wish for it but our bodies are fragile. They can get caught up in situations we least desire. And there’s really nothing we can do to prevent such unfortunate things from happening – we can, however, prepare for it.

Saving for the rainy days is an indirect way of saving – “save money for times you can’t earn money. In other words, you should save for days that you get sick. When you get sick, your productivity takes a heavy blow because you are incapable of fulfilling your job. No work, no dollar. To top it off, you have to shed more during days that you can’t earn any. You have to pay for doctors’ appointments, laboratory tests, medicine, and whatnot. You have to be ready when days like these surprise you with a visit. Having an HSA or a Health Savings Account will help ensure that you get buy during days like these. And if you can’t regulate an HSA yourself, know that countless of third-party agencies are more than willing to help you out!    

If you’re looking for an agency that can help you put up a Health Savings Account or HSA, why not try looking for recommendations online? Hopefully, a good company catches your eye.

Good luck!

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