Роман с деньгами: мы и финансы

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Быть счастливым без денег нельзя. Всё остальное — отговорки в пользу бедных. Кто добровольно откажется от того, чтобы купить nike air force на http://sneakers-store.ru/catalog/air-force, крутой гаджет или махнуть на пару дней в Европу? То-то и оно. При этом нередко бывает парадокс, когда вроде бы не самая маленькая зарплата буквально «уходит сквозь пальцы». Видимо, ваши взаимоотношения с деньгами нуждаются в пересмотре.

 

Цени свою личность.  Всё время повышай доходы. Это может быть либо поиск новой работы, либо дополнительный заработок. Перестань верить, что не сможешь заработать на жилье, авто, поездку, просто идти к большой цели маленькими шагами. Не инвестируй в те сферы, где ничего не смыслишь. Самое ценное в жизни — информация, поэтому, если информированность о предмете оставляет желать лучшего, то не надо вообще с этим связываться. Относись с осторожностью к обещаниям «золотых гор», максимальных процентов, быстрых денег — мы, к сожалению, живем не в стране розовых пони.

 

Важный момент — контроль финансовых потоков, как приходящих, так и уходящих. Большая часть людей к концу месяца не помнят, куда ушло 30-50% их дохода. Записывание доходно-расходной части — очень муторное дело, но оно того стоит. Очень помогает оптимизировать бюджет планирование. Правило о подготовке саней летом работает.

 

Хорошая привычка — регулярное откладывание части заработанных средств. Многие, не успев получить доход, уже мысленно его тратят. Поверь: 10 процентов от всех доходов всегда можно отложить, и это будет начало роста капитала.  Получать кайф от процесса аккумулирования средств можно не меньшее, чем от трат, ведь, чем больше времени проходит, тем более приятная сумма копится.

 

Рационализируй покупки. Нужно приобретать только то, что действительно требуется, а не делать покупку просто потому, что «налетай — подешевело!».

 

Если говорить о кредитах, то надо помнить, что кредиты могут быть полезные и вредные. Повседневная задолженность ослабляет бюджет, а пущенная на развитие бизнеса — принесёт дополнительные средства. Потребительские займы — зло: гаджет или телевизор уже устареют к тому моменту, когда погасишь кредит.

 

Не прыгай выше головы. Действительно успешные люди осознают, что основное богатство — внутри, это то, что они на самом деле из себя представляют. Попытаться монетизировать внутреннее богатство — вот основная задача.

 

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