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Neopia's Fill in the Blank News Source | 20th day of Collecting, Yr 19
The Neopian Times Week 51 > Articles > Be a Savvy Saver

Be a Savvy Saver

by lime_sherbert_12

PET CENTRAL - I know, I know, you've read about a million get-neopoints-quick articles that tell you to join a guild, play games, start a bank account, open a shop, play the stock market, etc., etc., etc. Of course, these are all things you could figure out yourself (hello - games give you points... therefore, playing games will make you wealthier... is it so hard to figure that one out YOURSELF?).

But when you're just getting on your feet in Neopia, and want to make enough points to be fairly wealthy, there is one cardinal rule that needs to be followed. Have a saving system.

For this, opening a bank account is the easiest and best idea, since it gives interest and no bad guys will be stealing your hard-earned points. That's barely scratching the surface, however.

You may be tempted to buy that cool, Uber-expensive toy for your pet. Or buy random things that must be good because they cost a lot that you're not quite sure how to use. But in order to get lots of points, you need to resist these temptations. The easiest way to do so is also the simplest: Have a goal. The bank has handy, pre-made goals for you if you like - for example, you could say that by next week, you are going to have a Platinum Extra account (at least 25,000 points). Then you keep building on that once you achieve your goal.

But that's not necessarily the best goal you can have, because you end up just with a whole whack of points that you really don't know what to do with. This usually results in splurges - you'd be shocked how easy it is to go from 75,000 points to 3,500. Petpets, paint brushes - so much to buy! If you want to earn your points and KEEP them, a material goal is best - by next week, you WILL have earned enough to buy that purple paint brush. Just be careful with these - make sure they're something you really want, and do NOT buy it as soon as you have enough - make sure that your account stays at a good 10,000 after purchasing paint brushes and such. Then get another goal and move on.

But, this is important. Do not get so wrapped up in being able to paint your pet that you ignore them. I know, you're saving, so you don't want to be spending money on food and toys and such. Which is where my system comes in.

I play games, I resell books, I do all the right stuff to GET my points. It's keeping them, which is the problem. So at the end of the day, I put all but, oh, say, 100 points in my bank account. The next day, I make myself earn enough money to buy food and toys and the necessities. I never withdraw from the bank. If I want to feed my pets (and of course I do!), I play a game to get the money to do so. Then, after I'm done that, I go back to the bank and put all but 100 points into the account again, then repeat it tomorrow.

Eventually, your material goals will get less and less - suddenly, you just don't want that much. From there, you can start saving towards a Neopoint goal. A good rule of thumb is above 100,000 is a safe zone. You probably won't go broke from that level unless you're making foolish purchases. Once you hit that, start working on your pets. Buy lots of books, and increase your pets' intelligence. Buy some Battledome items and get battlin'... et cetera, et cetera. But don't forget - nothing's TOTALLY safe.

Keep earning points. Don't just sit back and spend - never stop earning. It's not really hard work - those games are FUN!

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