The paradox of savings.

No doubt the Spanish almost never on their investments, it is as if equivocastes tell you, you are going to give all, so with our heads held high, people are staying in rural areas and borrowing to buy land eyebrows and presumed buying rather than selling to seen as his income has declined, their children have had to emigrate and those lands have left to lose, but especially those who had many, still creyendose few winners and that his decision was correct, at least the other side, the same thing happened with the floors, although they can not eat, lost heritage, they explain that the profitability is negative, any argument shall be valid for not recognizing his mistake, and expect to be able to boast one day, is the envy or triumph I nobody wins or not

Let's see if anyone is concerned and he sees the negative effects of both "savings" ...

Since then we have many years in this country which has encouraged a lot to spend and save little or nothing. To begin with, the idiot box does not do more to get where ads tell us that we spend and banks so far encourages us to buy and the government took out years ago that no products to save (or not promoted the banks) have been around ... how many years of hard and pure consumerism.

Now come the lean, because there is no such thing in economics of sustainable development. That is, you can not spend and spend indefinitely, there comes a time that the graph is going down, however much they try to sustain that consumption.

And suspuesto there are countries that take advantage of the weakness of a consumerist system. China has long carried a meteoric career at the expense of the quality of life for its citizens. And Russia is trying to further destabilize the European development through wars, blockades and political hard to get slice.

Since then faced with a crisis situation, is for 2 options:

-One, recognize the crisis, which is good because the public can begin to take action against her, but bad because it creates public alarm that slows or for consumption (there are warning of crisis and the population begins to save), what which aggravates the crisis.

-Two, denying the crisis, so that the populace not afraid and we continue to consume as always, which is good for the economy, but the bad thing is that prevents the State to take any action against the crisis, as it is denying the ...

Clearly what is the option that was chosen here.

The savings is always good, and I think that what we are trying with the first steps is a mix, that does not stop spending, but at the same time we save, giving us 400 euros each, a pair of low-energy light bulbs ...

My view is that saving is good before a crisis situation, since although in the short term can aggravate the situation, retailers and consumer products will be harmed very suddenly, even in the short term prices will be adjusted ( instinct for survival), while the long term, when "escampe," retain all the power purchasing and investment that will enable us to take wings and go up quickly.

Otherwise, keep spending, slowing the recovery, and the arrival of the good times will be slow, because we catch with empty pockets.

The spending and investment, rather than be reduced by the start of the crisis, not the end. At the beginning it will be voluntary and well informed; at the end shall be binding and because there are no savings.

Happy days, leaving me to see clients, to try to continue spending. Crisis? What crisis? purchase, purchase, that got him cheap!

# 5, Chucky

to see, of course on TV, which is the greatest impact, it would advertise businesses and they want to sell their products or services, but come on, as has happened throughout life, or is that now we are going to blame the tele spirit of our consumerist? Buff ...

# 4, diego
Normal, if the apocalypse had arrived, he will not hesitate there first, on the head of Santiago Child

Sea bass with salt, I would prefer to live in the era of Cromañones, in the end of the Cromañones before were not so dangerous.

A greeting.

As Agapito would say, what's worse is that saving money is not what you spend because you're saving. The savings would be great if you could spend it clear then that savings would not be right?
You see, said the nonsense either. Pending the economic contributions something like many of this forum

Good morning.
Sea bass response of Sal.
Born in Classical Greece as a slave or freed?
A greeting.

It will be really what I see. Euribor has been split into three: Agapito, himself a fan of the Euribor and the Euribor. Seeing is believing

# 23, Flipper
If you are in France because avia. Its president seems to be a record producer and seemed more concerned about the other thing that Bruni. The French economy will wind in its sails as we all know.
Each candle stick their endurance, they are to give advice

The issue is not to consume or not consume.
Let us bear in mind that we all have to eat something, even the seemingly disposable items it sells.
What you need to consume goods and services that are truly improve our quality of life.
Another greeting.

# 20, optimus

Preferably as Liberto ...

but I tell you one thing, slaves did not differ much from the people present:
currando all day for little or no money and very little free time to enjoy leisure ...

I see other news related to the importance of stimulating consumption in times of crisis:

With the slogan "you deserve the holidays with all the quality ... in Spain", the State Secretariat of Tourism, the Ministry of Industry, has launched a campaign that will focus on remember the good quality and price Spain presents, paying particular attention to establishments that are the hallmark of Q tourist quality. The goal is to increase the Spanish holiday in the country, mostly during the second half of August and throughout September.
The campaign will consist of advertisements on television (providing for the issuance of 250 passes in the chain Teledeporte during the Olympic Games in Beijing), national and regional press (more than fifty inserts), radio and digital media specialist, as well as in the portal Official tourism in Spain. The investment will be approximately half a million euros.

Good morning to all s,

personally, I save a lot. I eliminidado many unnecessary expenses for some time, which helps me to almost reach the end of the month. Now if it's true that I go out less, and nothing to do when I go to the super'm going with the list, looking at the things they buy and of course, white mark.

Ah! and otherwise, on the theme of the French press, my father said to me "If you see your neighbor's beard cut off, put yours to soak."

Good weekend to all!

I'm going to comment on something that gave me and has surprised me, and it is a tool for saving and eco wonderful.

It's called "ecoducha", is a telephone and shower you with some pottery and showers without soap or shampoo!. You have the skin with a natural pH and very soft, like milk does not know but it works. In addition, the tap spends little water. A marvel.

In the same manufacturer is the "ECOBOL" to wash clothes, and neither need nor softener or detergent. But I used it yet, but I do.

Why do not lack bass. Before we knew who was the freed slave and whom. Now you have the freedom to choose slavery.
A greeting

# 24
You're right, which each hold their own. Anyway this week is the French press, and the last was English. What is clear is that when they are, English and French, immersed as we are in a good crisis, stop talking about us ... Significant at least.

So little is totally wrong to talk to us, or who say they're worse than they really are, whether in Europe think that we are worse than others, they will have to be consistent with EU policies and benefit more than others.

As Mr Alonso said Quijano, alias "Don Quixote de la Mancha": "Friend Sancho, who speak of me even evil."

I think that what you save on, it's good because having money gives you much room to maneuver in life in any situation. What happens is that a lot of people like most to have a BMW, even the most basic, to have that money is saved and that the culture of saving has been very aside.
What I do not think too much is for people to save much more at this time than before the crisis, simply because they have more expenses (mortgages, increases in everything, etc.) and because of the consumption that was being done in the past years was based on claims which will be paying now.

Yes, it is all very well to save but let us not delude ourselves. Most mortals have a minimum capacity of savings in the end just reversed things in practice: a new bedroom, painting the house, etc.

# 32, Agapito

Ceramics are for life, we need to change a filter every 4 months worth € 1-2. I think the shower is worth 60 €. You save soap, shampoo, and water does not pollute!.

euribor up up, creo que tienes un grave problema de personalidades múltiples aparte de que no haces otra cosa que decir sandeces y no aportar absolutamente nada…haz el favor y si no estás dispuesto a compartir un foro con madurez, ves buscándote otro sitio donde dar la lata que aqui ya estamos bastante cansados de los mensajes absurdos que escribes…

Decimos que ahora estamos en crisis, pero ya desde hace varios años, desde la entrada del euro, estamos soportando precios abusivos, sobre todo en lo relacionado con el ocio.

A fuerza de fumarme algun q otro pitillo menos, salir a cenar 1 vez cada dos meses en lugar de 1 al mes y dar paseos higiénicos, algo consigo ahorrar, pero q entrego a un señor muy simpatico de un banco para bajar algo de plazo a la hipoteca (con suerte con 55 años me la quito!!).

Lástima q el invento se ira al traste cuando en febrero me revisen. Por suerte no tengo necesidad de un coche ultimo modelo, home cinema, tratamientos estéticos ni nada por el estilo. Con un ordenador e internet me doy por satisfecho

Como se suele decir, los extremos siempre son malos, y si ahorramos todos a la vez, no gastamos, y si no lo hacemos, la economía se resentiría, pequeños comercios por ejemplo, y creciendo el paro cada vez más.
En mi opinión, no tiene más el que más gana si no el que menos necesita, y esto es totalmente compatible con tener buena calidad de vida, por que de lo que se trata es de prescidir de ciertas cosas que realmente no son necesarias, es decir, luchar un poco contra el consumismo, consumir por consumir, adquiriendo cosas a las que no le sacas nunca todo el provecho que se puede, por ejemplo, ADSLs de gran velocidad para sólo ver el correo y poco más, teléfonos móviles de ultimísima generación para llamar 1 vez al día y mandar 4 sms al mes etc.
Pequeñas cosas hacen que ahorremos bastante al año, eso por un lado, y por el otro, parte de ese ahorro lo podemos utilizar en invertirlo nuevamente, como salir a cenar, salir fuera un fin de semana con tu mujer etc. De esta manera se puede conseguir un ten con ten, un equilibrio.

Un saludo

[#17]
También puedes hacer caquita antes de ducharte y te ahorras el papel
Limpiar y sacudirse bien el cimbel tras cada micción añadirá vida a tus gallumbos

#17
#40
No olvidar que los gallumbos tienen 4 usos: 1) normal, 2) girados lo de atrás alante y lo de alante atrás, 3) dados la vuelta, y 4) una vez dados la vuelta, girar de nuevo lo de atrás alante y lo de alante atrás.
Aplicable también a braguitas pero no a tangas.

Estupendo eso de ahorrar para luego invertir en un sector productivo.

Claro que….. para poder ahorrar es necesario que puedas llegar a final de mes con algo que te sobre… ¿no?

Creo que el problema que tenemos muchos es que a pesar de consumir menos no conseguimos que nos sobre un euro a final de mes. Y todo porque todo está mucho más caro.

Nos privamos de muchas cosas superfluas para atender los gastos necesarios (hipoteca, comer, vestir, etc.)

A pesar de ello cada vez llegamos peor a final de mes. Así que ¿Ahorrar? ¿El qué?

Vamos, que creo que es un pequeño matiz que no se ha contemplado.

36 , Pasaba por aki
Has dado en el clavo. Lo que aquí no acaban de ver es que el tema no está en que ciertos pisos bajen o no sino en que bajen o no TODOS los pisos y cuanto.
Así, estamos asistiendo a una bajada increíble de pisos, si pero son pisos pocero: en los extrarradios, caros muy caros. No olvidemos que esos pisos se llegaron a vender a 60, 70, 80, 90 y 100 millones de pesetas por vivir en el extrarradio!!!!. Sólo tuvieron sentido en un contexto de ESPECULACIÓN. Desaparecido éste, NO VALEN NADA porque nadie los quiere ¿qué más da que bajen?
Además, las supuestas bajadas son ridículas y afectan sobre todo a aquello que estaba más hinchado ¿y qué suele está más hinchado? Pues lo menos valioso. Ahí va un ejemplo que puse una vez sobre la evolución de los precios en Madrid:
carabanchel 155,64% -8,10%
villaverde 158,72% -8,95%
vicálvaro 145,45% -9,96%
chamberí 132,21% -1,99%
salamanca 119,12% -0,82%
Usera 146,09% -7,70%

En la primera columna la subida desde 2001 hasta el trimestre en el que alcanzaron el mayor valor; en la segunda la bajada que han acumulado desde entonces. Como se puede ver, donde más subió fue en los barrios “peores” mientras que en los mejores (Salamanca, Chamberí) subió menos y ha bajado menos

# 43, Accept

La verdad, no entiendo la “mania” que tiene la gente de decir “tiene una hipoteca,coche,viajes,reforma,aparato dental,cirugia plastica y demas sandeces a 30 años o mas. Yo, la verdad,no conozco a nadie que este en esa situación ( y por suerte o por desgracia, conozco amucha gente, jeje). No se por que razón extraña la gente intenta explicar esta situación con esta serie de sandeces. La “cosa” es mas complicada que todo eso.

Saludos.

# 44 mario

Si, pero no tienes parking

Acabo de revisar el extracto de mi tarjeta de credito para ver donde me gasto mas dinero. He buscado cual ha sido el mayor pago que he hecho este mes y sabeis cual es? EN EL SUPERMERCADO. (por no hablar de la gasolina).
Esto es lo que esta cambiando la crisis … el gasto ahora supone un gasto importante, cuando antes era lo de menos.

Y si miro los cobros en mi cuenta corriente los palos mas grandes son : LUZ, ELECTRICIDAD, GAS. Cuando esto antes era bastante asequible.

Tenemos que acostumbrarnos a pagar un monton por los alimentos y por la energia.

# 47 , donde los guardas?
Solo tengo un coche. Y si tengo parking.

Buenos días,
Vaya, esto va de ahorro. Está claro, la mejor manera de ahorrar es ganar una ingente cantidad de pasta y vivir como Euribor up up, que no va al cine para ahorrar y llena dos bidones de gasoil cuando baja el precio.
Los demás a disfrutar de la VIDA! que son dos días y uno está lloviendo.