Wealth or poverty?

How to treat the money to become a rich man.

Happiness is not in money but in their numbers, says the proverb.

Who does not dream of the day when a thousand, a million, a billion (underline) outstanding USD fell from the sky and get rid of worries about their daily bread? "That's when I'll be kinder and happier," - says the inhabitant -... and is trapped.

PERFECT MONEY CHARACTER

Money is not able by themselves to improve the lives, says a member of the International Academy of Informatization at the United Nations, business consultant, psychotherapist, author of "Keep the money," "Why are you still a beggar," Igor O. vagina.

They do not make anyone better - only reveal the essence of their owner. The best proof of this - the fact that all the money of the rich are the same, and people - different.

How do you feel about money, this depends very much. And how to deal with money, to become a rich man.

* If the money or treated contemptuously indifferent, they say, "what is - okay," then you have a lot of money will never happen.

* Do you think that money is being taken away from spirituality? Supporting examples you will find, but the money did not see.

* Dreaming of a specific amount (eg, 5 thousand dollars)? So, in reality, you will earn much less. It's kind of a barrier: you are afraid of wanting more money and feel it.

* If you think about money carelessly - you crumple them to stuff his pockets, then you do not respect them and do not perceive the way they deserve. Such a man is always the loser. He is sure to offer low-paying job, a spouse will fall fixated on money, and instead of a trip to Hawaii, he will be forced to spend their vacation at the cottage at Tiffany's.

* Envious of the rich or despise those who have less money? You mess up not only the character, but also life.

* If you do not really know how to handle your money, you simply lose, instead of getting mental anguish.

* You philanthropist, and all the while giving a loan? There is a chance that, sooner or later you will lose your friends. People are rarely grateful to those who favored them more than once.

Yet we must admit that the lack of money corrupts more than their presence in a large scale.

Without money, people deprived of freedom of choice to live, eat, rest and treatment, where he wants. Money divides people into social circle and qualitative aspects of life.

As long as there is money, there is a desire, the incentive to achieve in life more, to benefit the family, children and society.

Money gives confidence in their own demand. After all, we are still working somewhere. And if at the same time we have no money, so our job is not necessary to society, and hence we do not need society. And what could be worse than the feeling of aimlessness of their existence?

Without money, it is difficult to be developed personality: a constant struggle for survival, the economy, work in 2-3 places at once transforms man into biorobot. It is among the poor the most evil and unhappy, dissatisfied and envious.

The rich also cry

This is known to all. And it is part of the rich crying on the size of their capital. The man who got rich quickly - the most frequent client of a therapist. Big money are sometimes unbearable burden, which takes peace and sometimes brings to mental illness.

The main thing that poisons life - fear of losing money. Nouveaux riches are constantly fear that the money will take away the state (exorbitant taxes, default, devaluation, the failure of the bank) that they burn through on any deal or will drive the bandits: Pathological fear arises, as a rule, where there is no experience, skills, the ability to consciously taking risks.

Successful entrepreneurs who made his fortune for yourself and not on the first try, is not afraid to lose, because they know how to get lost. And they do not run the risk of more than 5-10%. Reasonable businessman never satisfied the likelihood of luck 50 to 50.

And among such reasonable business much less psychopathic, depression and other mental disorders than among the others. After all, in business as in professional sport, there is no place the weak. Every day requires a clear head, endurance, practicality and the ability to think and make unconventional decisions.

Wealth or poverty? Count your money!

To finally weigh the pros and cons of wealth, it is necessary to clarify what you mean by it. Expensive car, well furnished apartment, an opportunity to rest abroad - this is not wealth. But the real estate, securities, stocks and bonds, income - is already something.

Very often, people are considered rich, in fact, consists entirely of his suit, as he said Gogol.

There are two ways to calculate, rich or not.

The first way. Rate property minus debts. It is a way subjective, because it all depends on how much is raised plank wealth. If you have an apartment, car and savings, which can live - you fixed up nice. But colleagues and the car can be better and more capital. It is also well settled, but better than you. Just you in different niches.

The second way is more objective. Determine the expected level of value of the property. Multiply your age by the total annual income, taking into account all sources, in addition to inheritance, before taxes. Now divide by 10. That's how much should it cost your property.

If you really have 2 times more, then you belong to the group of TNB (a talented drive of wealth). If 2 times less - PNB (bad storage of wealth), well, consistent with the proposed actually means that you NSS (average drive of wealth). Draw conclusions.

10% will make you rich

In many books you can find on how to become rich. However, often these tips relate primarily to the need to change their outlook. And this is really important. There is, however, the traditional Russian question - "What to do? ". You changed your outlook, you believe in success, you do visualization,

and now nothing can stop you on the path to happiness - what next?

I recently read a book Bodo Schaefer "The path to financial independence" - now I know what to do next. If interested, keep reading, and you also know the answer.

The road to riches.

We begin with the following statement:

"Everyone wants to be rich, and that a person has two ways: the first way - to limit their needs, and the second - to increase their capabilities. Wise same person does both at the same time. "

So it is on this statement based all subsequent strategy of gaining wealth. Exclusion of any pattern of the links lead to the destruction of the whole picture.

Many on the path to riches using a strategy called "making more money" - however, this inevitably leads to the fact that simultaneously with the growth of income people increases consumption.

Now you are no longer satisfied with the previous level of consumption. You choose the more expensive clothes, more expensive restaurants, more expensive entertainment and travel. In the end, your problems remain those of the same (only now they go to the next level).

Take, for consideration by my personal example:

My income for 5 years have increased about 5 times (increase in prices and others. Settings also played a role).

Became I richer? Not at all. Although I can call myself to some extent an exception. In my family it was decided to spend all the money, so I still managed to defer a certain amount. (This allows me not to overpay a single cent for the loan - and this in itself is worth a lot).

Yet, in general the situation will not change significantly. My expenses have increased significantly: I became more frequent the theater, buy their expensive shoes, my costs on the Internet grew, I changed my cell phone, etc. etc. All of you know how it happens.

Conclusions?

Very simple - itself an increase in income does not lead to wealth.

The question arises: "What results? How to find all the desired state - the wealth? "

The answer again is quite simple, but requires you to discipline and the ability to plan for the long term. It is these two factors is not enough for most people who never become rich.

Wealth Formula:

* Pay yourself forward;

* Invest 10% of their income;

* To restrain the growth of consumption;

* Invest 50% of revenue growth;

Now, let's look at each item.

1. Pay yourself forward - a very important point.

Many people try to invest what they have left over at the end of the month - a surplus. By myself I know, no surplus remains. There is no extra money, as a rule, all that has not been postponed in advance - is spent. That is why, if you have seriously decided to become rich, you must allocate part of their income at the beginning of the month - when you receive income. Otherwise, nothing happens.

2. Why 10%?

Many, wanting to gain wealth, start to lay 15%, 20%, 25% of their income, but pretty soon they can not stand such a pace and spend all the savings. The fact that "live on the remaining 90% as easily or as hard as 100%."

You will not notice the loss of 10% from the level of its consumption, but these 10% will make you rich (with time). 10% - it's just very psychologically comfortable share of income from which you can with relative ease to give for the sake of the future state.

3. Curbing the growth of consumption.

(Third and fourth paragraph should be merged).

Let's say today you will get 20 000 per month, so you have to invest 10% * 20 000 = 2000 p.

Suppose the next month you start to get 25 000r. You have not yet had time to get used to his new salary, so it will be easier to increase the level of investment.

Now they make up 20 000 * 10% = (25 000 - 20 000) * 50% = 2000 + 2500 = 4 500r.

That is, for you, this transition will be felt as if your income increased in 5000 (25 000 per month), and 2500 (ie 22 500 a month) ...

However, look at how to maximize your investment - more than twice. If you are against such a formula, it is worth remembering a quote (in the beginning of the section "The way to wealth").

If you do not limit their consumption - you can not see wealth. Note that you do not become a miser or a miser. No, you just start spending a little slower.

The growth of your income is distributed evenly between your expenses and investments.

Well, I tell you briefly about the strategy of gaining wealth from the Bodo Schafer. I recommend you read the book itself "The path to financial independence", because in it you will find a lot of interesting ideas relating not only to the money side of things, but also to the rich man's world view.

And remember, it is better to be rich in 7 years (to 35 years in my case) than any they had become :-)

Author: Dmitry Balezin