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Imagine an old gardener. He knows that from a small seed grow big apple, which will produce a rich harvest of apples - you need only to have passed a sufficient amount of time to apple tree grown from seed. In all your finances just as well.
To build a good financial harvest, you plant the seeds, care for seedlings, and you're bound to wait for a good harvest. Most plant is only where the seeds, you ask? Like where, in your wallet, of course! Look for it in the ruble coin. Found?
Look at it - it's beautiful, selected grain - could not be better. Then you can see how good the harvest will bring your seed. Thus, allocating money from its present budget and planting the grain (in the world of finance are those of planting called investing), you are bound to provide itself with a good harvest of money, and hence prosperity.
Incidentally, inexorably true: if you do not put anything ahead of time, or cut down their apple (to spend money), then you will not be - simply nowhere to take the money.
Agree, it's very logical: if wealth is a certain amount of capital you need to save it. Because otherwise he could not come, right? In order to accumulate a certain amount, you need to use part of their current income.
After all the other money for that you do not? So the only way that you can use to achieve prosperity - is regularly set aside and invest part of their current income. There is no other way. And if you do not do this, you will be as strong enough to cut circles "earned - spent all that is earned."
Incidentally, the time will come when run on the range, that is, earn, will be harder and harder. If you have no savings, what you will be living at this time?
SUMMARY: In order to secure financial abundance and prosperity, you need to save enough money. This can be done only if you regularly set aside and invest part of their income TODAY.
You have a million in your pocket!
I'm not kidding, it really is. With one caveat: this is not currently a million and a million future. It does not matter how much money you have right now; ANY time increases the amount of money up to a million; just depending on how much you have now needs to go a little more or a little less time and a million in your pocket.
How does this happen?
The fact is, the money in the right to use them create their own money. Let us see how this is the example of a bank deposit. Bank deposit - this placement of your money in a bank account for a certain period; upon the expiration of the contribution of the bank returns the deposit amount, plus you pay a certain percentage for the use of your money.
Imagine a coin of 1 ruble. Small, quite frankly, the money. However, let's see what this coin can make a wizard time. If you put one ruble deposit with annual interest rate of 14% a year the bank will return you 1 rubles plus 14% of 1 ruble, which is 14 cents.
As a result, you get your hands on one, 14 rubles. You decide to renew their relationship with the bank and again place their money has 1, 14 rub., At the annual deposit under 14% per annum. A year later, you get 1, 14 ± 0, 16 = 1, 3 rubles. If you year after year to repeat the procedure, your contribution will steadily increase, and finally, after 106 years, turn into a total of 1,076,252, 67 rubles!
Note that because we started something with the ruble; how many do you have now in your wallet? A couple of thousands of typed? Hold tight the purse - in your hands 2, 15 billion rubles :)))! All this is great, you say, only a period of 106 years, with existing 20-30-50 years, quite frankly, does not inspire, and be absolutely right. However, I gave an example of a not for idle arithmetic.
Look, even one ruble, you can save today turn into a million over time. That is to say, the main element of the composition. Let's try it a little more difficult. As soon as the ruble grows to one million, let's not put him ruble, but two.
How long does it take to ruble rose to 2 million? Already 102 years.
And if you start with a 10? It should be 89 years. Well, if a hundred highlight this good deed? Total '72 turns. Fascinating math, but still a long turns. However, there is an idea.
And let us not put on 1 account and we will wait and begin each day by putting on the ruble. Since the ruble, you accumulate a million in your account in 46 years. Well, two of the ruble will be able to master every day? Then all you have goals in 41 years. For ten rubles every day count? Please: you need 29 years. And if you can every day to devote to it is 100 rubles, in 13 years you are a millionaire.
But the main thing now. It's simple. Understand that every ruble you spend can potentially make you very rich - as long as you do not spend it, save it and put to work for you. Leave him alone and protection he needs time to grow. Through your fingers literally every day pours a golden thread.
Your task - to save some of the money you intend to spend. Start right now to save you at least ten or twenty rubles every day of the money that now, perhaps, unwise use, you will soon be a millionaire! It's very easy!
Where to get the money to invest, or typically "Pay yourself first"
Let's look at how to manage money ordinary people. Upon receipt of income (such as wages), it pays the rent, telephone, buys food, and the list goes on obligatory payments. Then the family lives on the rest of the money remaining time until the next paycheck. By this time the money is there is very little or no choice at all. Such a person commits a major error in the handling of money.
Let me explain why. Imagine an athlete who wants to win a month later at the Olympic Games. Tomorrow is a very demanding exercise, and now my friends call it a night bar. Naturally, he refuses from the bar, he must sleep well.
Why does he refuse? Because for a much higher priority to the goal - to win the Olympics, everything else is subordinate to this goal. If you set out to achieve wealth, you need to subordinate this purpose all.
And then in the distribution of the earned money the most important thing for you would be: first of all to allocate money to invest, and the rest later. I emphasize: usually people first pay all its necessary and not spending, and that is the end of the month (as is usually very small) are trying to save and invest for the future. THIS IS MISTAKE.
If you really want to achieve financial prosperity, always first of the money direct investment. Just this can be expressed as follows: Pay yourself first.
Pay yourself first.
This phrase means the following. You decide that it is always a certain part of any of their income (for example, 10%), you direct investment, and the remaining 90% of spending. REVENUE FROM ANYONE. This means 10% of salary, bonus, old mint hundreds found in jeans. REVENUE FROM ANYONE.
The second important feature of this rule - so you should always do. Despite the birth of a child, loss of a job or broken in a car accident. ALWAYS. So, usually, "Pay yourself first" means that the first thing you do get any money - a predetermined part of them invest.
So you always do, to get any money. Here is the answer to the question posed in the title: where to get money to invest. Once you start to apply the rule of "Pay yourself first", you immediately have the money to invest, and you'll begin to move along the path to prosperity and financial well-being.
This is a very important rule. If you do not use it, you will never be money to invest. Indeed, if you currently do not have money to invest and you do nothing, then you have them and will not be, right?
So you will always need the money - because you never accumulate the necessary capital to you - you have nothing to invest. The path to prosperity - the steady implementation of the rules, "Pay yourself first."
With the same iron inexorability with which the implementation of this rule will lead you to prosperity, it will lead you to poverty - if you do not implement it. Pick and choose.
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