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Every person has a dream to be. But how to achieve this dream - it is for most people the big question. People should strive for their dreams, no matter how old they are, and what the financial situation they are now. Different people and dreams (goals) are different,
someone wants to buy a villa in the Bahamas, and someone wants to educate and bring up their children. Dreams can be attainable and achievable, and the road to the dream, and the possibility of the realization of all human beings are different. Unfortunately, for most of us it becomes an insurmountable obstacle limited financial possibilities.
So how do you achieve your dreams?
First, you need to define the purpose, even if, at first glance, it seems unenforceable.
Secondly, you need to understand, and it is better to write down all the milestones, achieving that, step by step, you will move on the way to his dream.
And lastly, but very importantly, bring their finances in order, which for most people is extremely difficult.
The main thing - is to understand how much you expend money on a monthly basis. It is first and foremost, because, as we all know we get, and how much to spend - no. In the calculation of own costs may take some time, a month or a few months. You may find that you think expend a sum of money, and when we look at a very different turns.
The thing that is very difficult to immediately identify all the expenditure and the amount of them, as there are costs monthly, quarterly and annual. When costs are calculated, deducted from income (salary) and get ...
Then the fun begins. At best, the sum is obtained with a plus and a man lays it on a rainy day. Well, when the amount obtained is also a plus, but the man does not see it and it never builds up. Here arises a reasonable question - where is she? Consequently, the calculations are wrong, or not taken into account all the costs.
In most cases, it turns zero, that is, all that is earned in a month for a month and spent, with no savings is not done. In the worst case, a sum with a minus, especially with the development and popularity of consumer loans and credit cards. In this case, the achievement of dreams do not have to speak at all, we must urgently take their finances under strict control.
Following the calculation, and already having a result is soberly face the truth and answer to yourself that you can achieve with these initial data. If the calculations show that the dream is achieved in that way for 200 years, it is necessary to think deeply about their income and, more importantly, costs.
Most people tend to Manilov arguments on the subject of the primary capital and a lot of arguing at length, reasonably and properly, they would have used it. If he was ...
First - it is, as if he needed them. It has been a lot of surveys on the topic - "what would you spend suddenly appears and you have a million dollars?" Most would spend it on a different need and no more than 5% - in one sense or another would create on his own business.
Second - they are generally poorly size. For some reason, many believe its size it is millions of dollars, but a reasonable question - where do they will take - for some reason is not given.
Third - most do not understand that the creation of the initial capital of the germ - it cuts costs and unexpected postponement of the cash income. It is crucial to have the self-discipline allowed free money - a hundred rubles. Further, it should enter into the habit of procrastinating and collect free money. You can earn big money and irrational behavior to bring yourself to a complete bankruptcy. On the contrary, penny savings can bring themselves to quite decent financial situation.
Fourth - the beginning of the savings should be, but you must save wisely. Well, I accumulated Miserly Knight chests of gold, and then what? The question of balance between reasonable savings and "Samoyed" at any cost saving is very difficult.
How to save a little bit:
* The discount in the store - and you postpone it. Especially if it is an unexpected discount.
* If you have a salary project and the money is transferred to a plastic card - take it with her, not all at once, but four times weekly. Less temptation to spend all at once, and make more healthy footwork. Yes - a trifle. But small causes birth the great investigation - so do not need to play aristocrat and millionaire squeamish additional ten. Even more so - as long as they did not.
* Suddenly basement award more than usual. Set aside 50% - of the value increase.
* Do not take bad loans. They are almost all the same. For example, to buy anything worth up to 10 thousand rubles a loan - just madness. The Bank will enrich not much - but your budget will undermine the ceremony. And in general, there is little to live within our means - have to live a little more modest. A loan - encourages laziness.
I agree that bored - and you know the other way? But if as a result will be able to accumulate the minimum amount of investment - and that's fine. In detail there is a good feature - you easily "leave" them without undue strain.
By limiting yourself over nothing can save a little, but not petty sum of money to spend. The main thing - to get rid of the pressure that by participating in risky activities, such as playing the stock market, depriving themselves and their families' daily bread. "
The money - a trifle - and they can be restored, even if the market disaster strikes and you lose. Then there is no need to rush and experience "would earn more or less to lose." Thus, financial freedom begins within man himself.
The next challenge on the road to the dream - competently multiply these most free money.
Maybe someone thinks himself clever enough to ensure that not only understand the simple truths of financial success - but with the success of "fashion" from itself financially wealthy man. It is possible but, alas, an exceptional case.
Most people are very difficult to understand the currently available investment tools correctly assess the risks and begin to invest correctly. Therefore, they can already turn to financial advisors.
We should not think that the services of financial advisors are only millionaires. Most of them - have not become established, they have used their services. Services financial advisors are not free.
However, it should be remembered that with the help of consultants can earn more and less to lose. Simple arithmetic - 90% of the earnings of ten thousand is more than 100% of the thousands of self-earned.
Speaking of losses. One of the most common mistakes beginners - this intoxication initial success. Deciding that the laws of motion of the market concept (and the success - in itself a proof) - beginners embarking on an adventure.
At the same time the first error and it is often the last - completely discouraging any desire to engage in investment. All athletes use the services of coaches, even the most outstanding.
An objective assessment of opportunities, preparation of a personal plan, recommendations on the choice of investment strategy, analysis of failure - these problems should not distract from the main task - the desire to dream.
Moreover, the work of a consultant makes one team member had aimed to win. So, dear readers of luxury to dream you.
Kuz'michev Dmitry, Alex Permyakov
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