Money, money, money ...

It wants to help people in anything, what really are the problems that need to all and that most often complain about. And what all the complaining in our time? What our fellow citizens are saying as actively as the English - about the weather? A favorite subject of conversation in recent years is, of course, price.

Moreover, they differ in the same variety and variability, as well as the English weather.

So today we will talk about money matters, the difficulties of the family budget, earnings and savings opportunities. Here we try to give some fairly universal tips to help those who have financial difficulties delivering really serious concern.

We really are living through difficult times, and many barely make ends meet, so that the constant complaints of poverty can be understood. Understand, but do not justify it. Unfortunately, often the idea of ​​lack of money captures the man so that it becomes almost the main content of his life.

He fixed on her, and she is circulating in his mind, not allowing to concentrate on productive activities. Such people are so accustomed to being poor, even if it happens suddenly rich, he quickly gets rid of any wealth, or (more commonly) just continues to consider themselves poor, and complain of poverty - pearl chalk. But he does not just complain, but continues to suffer!

To some extent, this phenomenon is caused by the practice of soviet life, when we were in the position of asylum and each had the greater chance of success than the more miserable, orphaned, and he looked miserable. Needless to say that the masks have a tendency to grow to face? But now conditions have changed fundamentally.

Now, everyday people's economy is not the petitioner and the seller - a commodity, labor skills. But if the seller looks unhappy, then his deeds are bad, then goods - rubbish! So that by fixing on the failures you close its way to the top. We can say that the usual talk about the exorbitant prices have become a convenient distraction.

People spend time raising their self-esteem. But if you're looking to change your position if you want to look reality in the eye, you have to admit that it's fun senseless and harmful. If it is too expensive to you - keep them engaged, and if not:

It is appropriate to recall Reinhold Niebuhr's famous prayer: "Give me the serenity to accept the things I can not change, courage - to change the things I can and the wisdom to distinguish them from one another."

These words expressed the idea brilliantly constructive position. You assess the situation and calling all his wisdom, decide that it is up to you, and that - no. The fact that you are not independent, you take for granted, as a condition of the game. That is something you can work, you do your goal, and evaluate the results of their efforts.

You may not like the location of the spots on the moon, or the fact that men are mortal, but wasting time on condemnation of these events, at least not reasonably. If you do not like that in the winter in Moscow is too cold, it must either accept this fact, or to move to Yalta.

If you do not like the political situation around you - you must either do political activity or to take the situation for granted and act within it.

In other words, does not present itself helpless victim of poverty.

Your poverty is the most you have created yourself, not someone else, and as long as you'll see yourself not to those who do, and those with whom do you continue to play their poverty and suffer from it. Therefore:

Take a proactive stance!

To take action, well-evaluate their resources. Spend the "inventory" of the advantages and opportunities. It can be:

1. Education, skills - languages, driving, etc. Do not lose sight of what seems to be an afterthought, do not be afraid to throw a specialty, which was considered the main, because it has invested too much effort. Remember that people change their profession in mid-life, are more resistant to stress in the elderly. Pay attention to the diplomas and certificates that you may have accumulated for life. Even the identity of the young projectionist ten years ago in your favor - a sign of initiative.

2. Personality characteristics. It is difficult to evaluate yourself, but if you know you are endowed with charm, then try and use it. Communication skills, reliability, self-confidence, tolerance of others - all of this is your capital, which can help you. Pay attention to the weakness. No wonder Balzac said: "Recognizing our weakness, man becomes stronger."

3. Material resources - an apartment or room, garage, car, garden, telephone - all could be the means of production, tool earnings. We're not talking about the actual instrument - whether it is a sewing machine or a set of wrenches. Very valuable information because, once you have, for example, a typewriter, it probably is and typing skills and some interest in this case.

4. Contacts. Last, but not least. This is one of the most valuable resources. Gainful employment is almost always possible to receive only personal contacts. Community enriches you with information and can present unexpected design ideas. And you never know in advance what kind of help in dating life. Maintain old friendships and make new.

5. Among the familiar special note respected people, representatives of reputable organizations that may confirm your professional qualities and integrity. If you only knew what tricks are resourceful adventurers to get good advice, or at least their visibility! So if you have for someone to vouch - it is the capital. Evaluation of the resources is good by the fact that they know it's easier to do something for their replenishment - to learn something, to work on the character, to clean up the instruments.

So, to know what you have, coming into the fight:

Life in the credit or whether you are able to fly?

Living on credit - good or bad? Do I have to live for today, to buy their favorite things on credit, not denying yourself anything? Or, on the contrary, should be avoided zalezaniya debt bondage, strive to get rid of credit? The question is not as simple as it seems at first glance.

You can find opposing views on this subject. The same Robert Kiyosaki on the pages of his books, a lot of talks about the "bad debts" and "good debt" that is nowhere so plainly and did not explain what one is different. Let me explain.

I begin with an anecdote.

Flying in an airplane Parrot and Monkey.

Parrot's not like: "What is it, then you blow!"

Monkey looking at Parrot thinks: "In giving!"

And also after the Parrot screams: "Yes! You've got blows!"

Parrot: "Coffee is not tasty!" Monkey: "Yes, yes, disgusting coffee!"

Parrot: "Everything I have on this plane does not fly!" And walked out.

Well, Monkey also has nothing to do - also had to go.

Flying Monkey and Parrot whistling down.

The parrot asks, "Monkey, and you know how to fly, then?"

The monkey replies, "No".

Parrot: "A Th then show off ?!".

The situation with the lending is strongly reminiscent of the anecdote. Good credit or bad - it will depend on who takes them - Parrot or Monkey, or, in terms of a joke, whether you are able to fly or just to show off.

Life in the loan may be beneficial if one important condition: if your money consistently bring you income with a rate higher than the cost of the loan.

Currently, the cost of credit in Russia for long periods, including the cost of servicing the loan is around 15-20% per annum in rubles (I am not taking into account the calculated financial amateurs various "instant credit" rates which are substantially above).

If you can make your money work with a yield above the loan rate, you can quite afford loans. Moreover, in this case, the life of the loan becomes profitable for you.

In fact, if you invested your money in the business or investment with a yield of, say, 30-40% per annum (a realistic rate for a successful business or independent professional investment), you withdraw them from unprofitable business running costs, for example, to buy a house or car. It is much more profitable to take a loan. In this case, the loan makes you richer.

However, if your money is not working, embedded with a yield much lower loan rates, or invested in projects with a high risk of losing money, the use of credit works against you, in fact, slowly and imperceptibly ruining you.

The problem is that the "beat" the money from the higher profitability of credit rates are able to (in my estimation), no more than 1-2% of the population (or no more than 10-20% of those who take loans from banks). They are the parrots that the loan will be profitable.

The remaining 98-99% of the population (or 80-90% of those who take loans from banks), alas, are actually monkeys, and in most cases are not aware of this.

However, the situation with bank credit is usually not as dramatic as with the aircraft, and many Monkeys know that whistling fly down not once, but only after quite a long time. And over the years may be unaware of it, working for the welfare of the bank that issued the credit.

Here is an example.

As a result of correspondence with one of the students of the Center for Financial Education revealed that he is holding in Sberbank deposit with a yield of 7% per annum. At the same time he is also the Savings Bank issued a consumer loan for a similar amount at the rate of 19% per annum.

Our student did not consider the situation a bad thing, on the contrary: it has a reserve of savings, protection for a rainy day. That situation leads to a loss in the amount of minus 12% per annum, the student realized only as a result of the course "Management of personal finances", and in consultation with the author.

There is one small but interesting category of people - a monkey to understand what I have written above, but I think that they are already parrots. It is a start-up entrepreneurs and novice investors.

Very often people, even with no experience of business or investment, inspired by his ideas, sure, they all certainly will, and begin to borrow money at the expected future profits - "under the idea" or "under the business plan."

Some people have a desire to borrow money to speculate in the stock market, or forex, some - for speculative investments in real estate. As a rule, banks do not give money to a business (and even more so for investment and speculation) to those who have not proved in practice its ability to deal with them.

But there are exceptions - you can take small amounts of money under the guise of consumer credits, you can lay flat, the value can be attributed to the pawnshop, you can borrow from relatives, friends, the "black money lenders" ...

But, alas, according to statistics 90% of business start-ruined during the first year of operation of the company, and the remaining 90% - over the next five years. Chances are that you will not find yourself in a number of bankrupt may find themselves.

A similar, if not worse Statistics gives speculation on the stock market or forex. And there comes a day of reckoning, when, as rightly noted classic Mikhail Svetlov, it becomes clear that ...

You take someone else's, and for a time, and give their forever.

I am pleased with the fact that more and more people come to the idea to start their own business. However, strongly recommend the first in your life to start a business without serious material costs and in any case not with borrowed money. This applies even more to speculation and investment.

Before the show off, learn to fly. Unfortunately, the problem is more and more acutely confronts Russian citizens, most of which had no previous experience with loans.

According ROMIR Monitoring, a quarter (!) Over the last year the Russians took advantage of consumer credit, with 20% of borrowers to repay loans to spend more than 25% of the family budget, and another one-third of the borrowers to repay the loan each month goes from 15 to 25% of revenues.

I am afraid that among these people too little too many parrots and monkeys.