How to attract more money into your life

To answer this question, I conducted an experiment, which was attended by 10 people. Within 3 months, these people kept diaries, which recorded all of their daily expenses. There are many different theories as to how to achieve wealth and prosperity.

Today, the shelves of most bookstores inundated with books that focus on wealth, success and prosperity.

Surely almost every one of you once read or even holding a book with similar content. And because of this, you ask? And the fact that many of these books contain not only useful, but sometimes very harmful and not the truthful information.

And how to understand the common man who picks up a book the next guru, where the book useful and interesting information, and where the dangerous virus, which is picked up, it is possible not only to achieve wealth and prosperity, but also to lose what you have. The fact that most of these books were written in the last century. Some 20-30 years ago.

The information that is set out in them, it is quite possible for the working of the twentieth century, but today most of it has lost its relevance.

Let's look at one of the principles to achieve wealth, which is fairly common in well-known and popular writers, but for most people is not working. This principle states that the need to rigidly control your spending every day carefully record them and try to set aside each month for at least 10% of their income.

And if you refuse to optional and unnecessary spending and will save each day, then theoretically you have each month will become more and more money. As a result, you will be provided, and a rich man. But let's think about whether this really is.

To answer this question, I conducted an experiment, which was attended by 10 people. Within 3 months, these people kept diaries, which recorded all of their daily expenses. They limit the consumption of certain foods, we try to spend less money on unnecessary, in their view of things.

At the beginning of each month set aside 10 percent of their income. That is followed all the recommendations of the authors of popular books on enrichment. And here the past 3 months. What do you think, what was the result? In 8 out of 10 people monthly expenses during the test period exceeded the usual 10-30%! One person costs remained at the same level.

And only one person could do something to save. Why did this happen, you ask? After all, logically, they spend less than before and had to save some money. But in fact, everything is explained very simply. The universe always gives us what we expect to get from it.

And when we say to ourselves: "All this month begin to limit their spending. I'm not going to buy this and that. And this can be dispensed with. And if you sit on a diet, then little more can be saved, "it seems obvious to us that such actions will inevitably lead us to increase our financial independence. But it was not there.

The universe takes this information on the. When you say the universe that are going to start saving, it takes so that you do not have enough money, you can not make more money that you can not provide for themselves. That's why you're going to start saving.

And then you begin to prove your case. You appear contingencies at work suddenly cancel bonuses or thirteenth salary, you steal money and even thousands of different options of how the universe will reflect your same beliefs about money.

That is what happened during the test period. 8 out of 10 people spent far less money on seemingly unnecessary things, and when the month came to an end, it seemed that here they are - the money saved. But almost always happened some unforeseen event that forced them to spend not only delayed 10%, but even 10-30% more.

The universe seemed to say to us: "You are afraid that you will not have enough money? I will do everything possible so that you were not disappointed in their beliefs. " And the universe certainly appeared reasonable question: "And what do you save money? For a rainy day? Well, you will be a rainy day. And not even one. "

It is important to realize that saving money, you will never become of the rich man. If you set aside each month of $ 100, how many years you will need to buy a house, car, visit all interesting to you country? Counted? So you can live?

When you start saving, you agree to let an information that is not enough money, they are not enough at all, so they need to save. And all your thought process to direct the thinking of different options to save. This path does not lead you to riches.

How to find the money in their own pocket

From the outset, I would like to remind myself and you that we all - the inherent functional units as the economy and all, but still falls under the influence of its laws. Among others, I would particularly like to draw your attention to three important law, the total effect of which is, precisely defines our financial situation with you.

First among these laws - the law of increasing requirements.

He tells us that our needs peculiar to a constant growth, and much faster than the increase in our revenues.

The second law is the law of decreasing marginal utility.

According to that same product over time it will inevitably lose its value and ability to meet our needs.

The last third law is the law of inflation - an extremely negative for us property of money to lose its purchasing power, that is to depreciate.

Given these and other in the same spirit of factors, let's make some adjustments to what our financial policy.

To begin to define our economic income. We do not mean income in the form of wages or income from a business under the concept of economic income, we mean cash balance after the payment of all consumer loans cover all the necessary expenses for food, housing, communications, transport and so on. D., And so on. N .

It is this balance in the economy is called the economic income. So what is your economic income? By example, let illustrate a few years ago, my net economic income tend to be zero! Moreover, sometimes he even reached negative values!

Why so? The answer is clear - I am, so to speak, did not like myself. I paid the first service providers, resellers, all, all, and eventually themselves leave either nothing or debts ... This was an unacceptable mistake, knowing it gave an opportunity to change the situation for the better.

Council №1. Receiving or distributing, any revenue PAY YOURSELF FIRST!

And how much to pay? Our personal advice - start with small. 5-10% of your total income - is an acceptable figure for the first step to financial protection.

Do not go too far! Do not try at the outset to save 100% of your income, develop the habit of paying yourself first starting with small amounts that will not have a significant impact on the quality of your life.

Having started to act on such a scheme, I experienced firsthand what it really is viable, and this served as proof of savings thanks to her money. And now let's go back to the first contact above the law, and to ask you, do we necessarily fall under its scope? The correct answer is "yes."

All of us, of course, want to raise the level of our lives, and therefore, with the growth of our income, we always increase our costs. But why do not we keep a distance? I mean, why not respect the 50% difference between the increase in our costs and revenues?

Council №2. Always keep 50% of the amount of money to increase your earnings.

In other words, if you have earned this month at $ 80 more than the previous, let your expenses will rise by only $ 40, but not all 80 as is usual. Save the remaining $ 40 in his pocket, and in the next issue of the distribution we will show you how you can effectively multiply them.

Let us turn to the second law. Drawing attention to him one day, I decided to analyze my expenses. Immediately, of course, it did not work - all the items of my cost last month recall failed. Then I decided (that you are strongly advised) to undertake the so-called "Month of control."

I began to carefully write down my expenses for a day before going to bed. At the end of the month, I will carefully analyze how much and where uplylo out of my pocket, as justified as suddenly as inevitable, and most importantly - how much minuemo. The last point, I draw your attention to the most important.

After such an analysis, I found that in fact a certain amount of money I spend each month, goes to buy things or services that have long been lost to me all kinds of benefits. That is, I spend a lot of money simply by inertia, without receiving the expected benefits from this. In addition, I found a few others, not necessarily waste, which decided to immediately eliminate and not to repeat the next month.

Council №3. Do not release its own spending beyond your control.

Spend a similar event, and you are guaranteed to find in its list of more expensive items, strikethrough which does not affect the quality of your life. And one more important information for thought.

If you've decided to become a successful and wealthy person - is not enough to save money. We must be able to keep them at least! Save on the above-mentioned law inflation. Once again - to keep it low.

Ideally, you should be able to maintain, increasing savings. A conservation, in turn, it is the first step in investing.

Now everything depends on you and your choice, so think, choose and get rich!