This mother's sharing about buying gold to save for her child makes many people admire.
When it comes to buying gold, there is a question that "never gets old": With the price of gold increasing like this, should we buy gold or not?
For those who are buying gold for the first time, or do not have much experience buying gold, this concern is somewhat understandable. But for those who have some “seniority”, the story is completely different.
The mother's sharing below is one of them.
Every time my child's birthday comes, I buy gold and convert all my lucky money into gold!
In her post, she wrote: “My husband and I got married with literally nothing, not a single tael of gold, no dowry. We struggled to rent for 10 years before moving into our own house. Right after settling down, I thought about saving for my children.
Every year on my children’s birthdays, I quietly buy an extra tael of gold. During Tet, even if my children’s lucky money is only five or three taels of gold, I buy it, saving up little by little. My two daughters are still young, one in primary school and one in kindergarten. I hope that the amount of gold will increase as they age, so that when they enter life, it will be less difficult than mine. Now that the price of gold has increased, I suddenly feel like taking out the gold to wear and then put it away, considering it my own little secret joy.
Every time I save about 2-3 taels, I exchange them for this jewelry. I exchange them wherever I buy them, they only take the labor fee and do not calculate the difference. So I have more than ten taels of gold to save for my children."
The photo of her "carrying on her child's gold"
In the comment section of the post, everyone was impressed and gave compliments to this mother. Just like she shared, little by little makes a big difference - whether it is cash or gold, later when the child grows up, there will be a "treasure chest" of money for the child.
“My husband and I decided to have only one child. From the moment we got pregnant, we planned everything for our child until he turned 18. Every year we tried to save 1 tael of gold for him, and by the time he turned 18, we would have 18 taels of gold.
Later, if you want to study abroad, I will set aside 4 taels of gold for you. If you are good and get a full scholarship, I will save those 4 taels of gold for when you need support for other things. After finishing school, if you want to invest in business, I will set aside another 4 taels of gold to support you as investment capital. When you get married, I will give you a dowry of 5 taels of gold. If you and your husband want to buy land or build a house, I will give you the remaining 5 taels of gold.
Illustration
Buying 1 tael of gold each month is not too difficult for my husband and I. After 12 months, we can save up to 1 tael of gold, and if there is any left, we can buy more. Having a clear goal will help increase our motivation and mindset a lot" - One person shared.
“I feel so sorry for you, Mom. It must be because of your circumstances that you don’t have a dowry for your husband’s family. Now that you have a house, it’s right to try to prepare for your children, especially your daughters. Many people say that you should only give them knowledge, and not prepare any assets. It’s very sad for a daughter to get married without a dowry, it’s a pity for her. Mom must understand this, so just be patient and save up for your children, Mom,” someone encouraged.
“I admire you so much, starting from nothing you have your own house and even have gold for your children, it shows that you are very good at saving. I have been married for more than ten years, just got a house but still have a lot of debt, have not saved anything for my children. Reading this article makes me happy for you but also feels the need to look at myself. I also have a daughter, if I cannot give her a house and a piece of land, I must have some dowry for her in the future. Your thinking is correct” - Another person shared the same opinion.
Note for those who are planning to buy gold for storage
If you yourself are also planning to buy gold for long-term accumulation, in addition to saving money, don't forget the 3 important notes below.
1 - Must buy regularly every month!
Many people plan to buy gold, but because they see the price of gold increase, they hesitate, waiting day after day, and then end up not buying at all, and the money is spent because they cannot control their desire to shop.
In fact, keeping an eye on the increase in gold prices does not affect your gold buying budget too much if you only buy 1-2 taels or even 5 taels. Only when the amount of gold you buy is calculated by the tree, will the increase in gold prices affect your gold buying budget. If you buy 1-2 taels per month, even if the gold price reaches its peak, the additional amount is only 200-300k, which really does not affect your spending budget for other needs much.
Illustration
So if you have planned to buy gold for savings, the most important thing is to buy regularly every month, don't worry too much about the fluctuations in gold prices. Just buy it on the right day, at the right time. After buying it, bring it home, put the gold in a safe, keep it for 5-10 years, then never worry about losing value or worrying about losing money.
2 - Buy plain gold rings instead of jewelry gold
If you buy gold to accumulate wealth and have no need to wear it, buy plain gold rings or gold bars, not jewelry or crafted gold.
"If you buy 9999 or 18k gold as jewelry, whether you wear it or not, you still lose the labor cost, the attached beads,... when you sell it, those two parts are automatically deducted. The gold buyer only weighs the gold to calculate the price, but does not return the labor cost and beads, so buying jewelry or crafted gold will be a big loss. If you buy gold to save, plain gold rings are still the number 1 choice" - A person with experience in buying gold for savings confirmed.
3 - Buy where you sell
In case you plan to sell gold, remember to go to the right gold shop where you bought the gold to sell, to avoid being forced to pay a higher price.
For example, if you buy gold at gold shop A, but then bring it to gold shop B in the same area to sell, there is a high chance that the seller will bargain down a few hundred thousand with the reason that the gold is too young, worn out, etc. If you do not accept, they will not buy it.
This is the experience shared by a long-time “gold player”. She also emphasized: “In particular, you should not buy gold in one province and then sell it in another province, because the experience will be “oh my god”. People will “take advantage” in every way to buy at the cheapest price. I myself have been like that” .
Ngoc Linh
Source: https://giadinh.suckhoedoisong.vn/buc-anh-deo-vang-cua-ba-me-khien-dan-mang-tram-tro-biet-su-that-phia-sau-lai-cang-them-nguong-mo-172250217083638239.htm
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