How to become financially well-founded? One of effective ways
Just be not a squanderer - here and all way! It is easy to tell! And how to make it? I understand that after a salary (an award or other one-time large income) money, as they say, “burns down a thigh“ and there is a strong wish to spend them for something such! Beautiful, expensive, status and … or not absolutely necessary, or absolutely unnecessary.
It is simple how one of the American multimillionaires told once: “The main mistake of the modern person is that he since the childhood begins to connect economy with troubles, and purchases - with pleasure“. Such way of thinking just provokes senseless expenditure for which there is never enough money. If to tell more clear language: “if wife shopaholic, husband, as a rule, golozhopik“. However, and the man recently too …
Well, will not be about sad.
1. The most important. Find to yourself the purpose. For the sake of what you want “to change yourself“. It will be oh as it is hard! The necessary habits will not arise during one moment. It is necessary to motivate itself with something big, beautiful and huge, the purpose, the pleasure which will be to reach more momentary pleasure from expenditure of the unlimited sum of money.
2. Use a credit card less, it is more cash. Purely psychologically it is much heavier to spend money from hands, than to take out a piece of plastic which even appearance does not remind money.
3. Try to buy nothing in the pay day or when you receive a large sum of money. Yes, the head is turned, the feeling of permissiveness which the large sum of money gives can play a dirty trick. Write the list of the most necessary purchases. Promise yourself that buy anything only after buy all points from the list. By then euphoria, as a rule, passes and the part of money can even be saved.
4. Set to yourself the professional object and purposefully allocate a certain sum for professional growth. It is clear, that the more effectively you perform the work, the your income is higher. Yes, so happens not always, but you isklyucheniyalit confirm the rule.
5. Be not too economical. Yes, council paradoxical in article about … thrift and moderation. But differently it is possible to break and go “racing“. And further to reproach itself and to acquire to itself a nervous breakdown … From each salary (income) postpone the small sum “so, for anything“. You can periodically give out to yourself “prize-winning“ of the sum of the money saved in a month.
6. Keep account to the income and expenses. To council to it several thousands of years, but from it it did not lose the relevance. Only it is necessary to bring the tetradaughter and at the end of every day to write down expenses on categories. And during receiving money to write down them in the column “income“. Well and once a month “to line grandmas“.
7. Buy any goods and products strictly according to the list. So you will avoid expenditure for unnecessary “trifles“ which sometimes pull out the huge sums from our purses. Do not give in on draft “ inscriptions a discount of 70%“ if you do not need it! By such simple methods sellers usually simply - naprosto “sbagrivat“ stale goods.
8. Think how effectively to spend, and it is better to increase the big, just huge sum of money. Also it is not necessary to speak: “Here when will be then I will think“. The stubborn statistics speaks about another: practically all people who won in a lottery or came a huge fortune quickly lost this money. They just were not able to preserve them and to operate them.
9. Postpone “grist“. To the person it is not let know that happens to him in the future. And here when it already happened, people begin to borrow feverishly money including under huge percent.
10. And you never tried to carry on business, at least at the household level? For example, to sell some bagatelle made with own hands or to teach other person to the fact that you are able. For money, of course. The matter is that the way of thinking of the businessman differs from a way of thinking of the consumer radically - squanderers. Than? Yes all! Believe, it is not difficult at all. It is necessary just to begin.
11. If you have from all earned money a most part of “obligatory“ expenses, think how to reduce them. For example, utility payments. Reserves of efficiency are always.
12. Change the relation to brands. If you buy only some “super - Bosch“ and do not wish to change the habits, then know that “Leyblomaniya (mania of labels) - dependence on widely advertized brands. Sometimes the impossibility to buy a favourite brand came to an end with serious psychological frustration“ . Today “everything that becomes, all in China“, and is quite possible that there is cheaper replacement of your favourite brands, and without critical losses in quality.
If you are able to follow long enough this advice, so you not absolutely lost option. Dare. At you it will turn out.