Think about the money

Another way - to make a collage: You are in the background of the money - and view it in a "free" time in transport, in line, at night, in the morning ... When you look at this kind of collage, then tune into the energy wave of money. Against this background, you can "put" not only himself but also his family.

Make a screensaver on your computer: cash flow. Then, at the moment when the waiting mode appears on the screen cash flow, which you can easily sink.

There are certain mental exercises, allows you to adjust the monetary wave and start to bring them into your life.

Exercise 1.

Pick up a large monetary bill. Look carefully at it from one side, then flip, consider the other side. After mentally reproduce from memory, and one and the other side of the banknote. Let your subconscious learns the way of a major money bills.

Exercise 2.

Imagine that you are in the wind tunnel and on the flow of money you are. Let him through. Let the money go through your head, through your soul.

Exercise 3.

Imagine a large sum of money. What is it for you: a pack of large bills, the suitcase with the money? Now imagine a room, brim full of cash marks. Imagine that all your money packed house. Raise the bar representation of large amount of money as long as it will seem real. We multiply all what we think.

I recommend to purchase a variety of cash figurines: a frog with money hotteychikov, Chinese coins, and others.

In this sense, it is very illustrative example from the book of Zhikarentseva. The author tells the story of a woman who decided to start the New Year with a new life. Another New Year's Eve she invited friends to wish her a lot of money, and as a result has received for his birthday gift in the form of a bag, brim full of coins, and in the bag, "gleaming metal sides, heavily sat fat scarab beetle" - a symbol of wealth in ancient Egypt.

Being superstitious man, woman "put the bag in a prominent place and began to represent how each coin, if the magnet attracts new coins. And the bag gradually grows in size and has already taken him halfway across the room.

They say the people that the money goes to money. And so it happened. A month later, I was offered a new job - in a commercial bank. Two thousand dollars a month - it's not two thousand rubles! My mood changed abruptly.

I began to buy themselves the good things in fashion boutiques. Change the furniture in the apartment is renovated. It became a vacation twice a year abroad. And in my purse, I always wear donated my birthday and scarab as it may sound funny, often talking to him. "

Note: when we begin to tune in to a wave of money, because we are more common proposals on how to make extra money, we find the money, we find the information you need for the money.

How many times have I heard from the participants of the "School of the investor," that after its passage, they "see" something that simply did not notice: magazines, books, websites for the money, information on mutual funds, credit unions, money to them often catch the eye through the people themselves begins to "pass" more and more money.

Remember the important rule: the mood for a wave of money allows you to concentrate on money, think about them and bring into your life!

The cure for lack of money

Car

There are things that, in addition to the cost of buying entail fixed costs. For example, a car bought for private use, requires the cost of gasoline, maintenance and repairs, insurance, etc.

So before you buy "steel other" think carefully, and whether you can contain it. And we are talking only about the car, bought with their own money. Take the car on credit - the same as connecting the pump, bilge money to your wallet.

There is a good formula that results in his books Bodo Schaefer, German author of books on financial independence: "The car has to be two of your monthly salary", only the content is you "afford".

clothing

If you decide to save money, you have a wardrobe, for example, Ksenia Sobchak, you obviously do not need. An intelligent approach to buying clothes is careful planning. Dressing should be drawn up on the basis of two or three high-quality things to which you pick a more modest price supplement.

And the savings will be exactly in the rejection of purchases of unnecessary things: either ephemeral or that you are not talking, but can be purchased under the influence of emotions. Savings will also be in a creative approach: a reshaping of the old, or in unusual combinations of things that are in your wardrobe.

Do not be afraid to experiment. And most importantly it is necessary to understand the difference between style and fashion. Fashion - is something that is constantly changing and requires a large initial investment, and it is transient and changeable. The style also highlights your personality and allows you to always look perfect, without requiring costly.

Communal payments

The era of free and unlimited resources is long over. And to pay for the use of water, light and gas is becoming more and more expensive. The right approach will not only cost-effective approach to the use of resources such as "leaving, extinguish the light" and replace conventional energy-saving devices (lights, etc.), but also in the precise counting the number of resources used.

Lack of counters, for example, water, leading to great financial losses. So in the book K. Kirillov and D. Oberderfera of financial independence is a calculation of how "tap leaked apartment": "Installation of meters for hot and cold water savings per month is about 375 rubles. for a family of three and 500 rubles. for a family of 4 persons.

In the year, respectively, 4,500 and 6,000 rubles. Or rather, it is not the economy, and the lack of an overpayment for services not rendered. These calculations are made on the basis of the usual water consumption in the home. Installation of meters cost approximately 5,000 rubles. and it pays for itself in about a year.

And then everything is simple, the investment arithmetic. When investing 4500 rubles. under 15% per annum over 10 years will be 75,536 rubles., in 20 years - 396 953 rubles., after 30 years - 1,956,353 rubles. That is thirty years the amount will be enough to buy another apartment worth $ 60 thousand. ".

What to do?

Whatever kind of flow are you today take, everywhere there is an opportunity to save some money. And the expense is not even a penny, although it is known as the "penny penny gained."

Where do you start?

1. Make a list of expenses that will paralyze your budget.

2. Select the first item of expenditure, which takes most of the family money.

3. Analyze what and how money is spent under this line.

4. Review your habits with regard to this kind of spending.

5. Find a decent alternative to the purchase that you used to do.

6. Think about how to save on those costs, for a month and monitor their actions.

7. Having achieved cost savings and develop an approach to be analyzed during the month of consumption, proceed to the analysis of the following types of expenditure.

Do this for as long as it will take control of all your expenses.

And most importantly - remember that a win in this game will be able to lead a good life, not only now but in the future.

Count your money!

The third conclusion - we can identify their sources of income. Where and how much money they bring us.

How much money will I get the main job as part brings me how I get as gifts, how much money I bring odd jobs or gifts.

Let's look at a simple task. Imagine that you are a financial expert. Comes to you friend and said: "I earn in sanepidemstantsii 700 hryvnia per month (equivalent to $ 140), and worked in a direct sales business, earning 200 hryvnia (the equivalent of $ 40). Advise me what to do? What do I do? Stay sanepidemstantsii or work in the business of direct sales? "

On the one hand your friend has a serious income of $ 140, which brings the main work, and $ 40 additional income, which is, in fact, revenue can not be called. I had exactly the same attitude to these numbers.

But let's ask your friend: "dear, but how much time do you spend direct sales business? "

- "Not a lot. Well, maybe half an hour a day. So after work to a neighbor I Come, show directory, on a break at work tell you about our products. Half an hour a day. "

- "Great. And how long do you do your main job? "-" Like all normal people - 9 hours a day, but even if I leave on objects, my time is increased to 12 - 14 hours. Sometimes even have to work on Saturdays. "

Now let's count. 9:00 multiplied by 5 days. It turns out 45 hours a week. Multiply 45 hours for 4 weeks, obtained 180 hours per month. Plus add time to travel to the facilities and the work on Saturdays - 40 hours. So he makes his main job 3, 5 hryvnia (equivalent to $ 0, 7) per hour.

In the business of direct sales, he pays for half an hour a day. Half an hour a day give 10 hours per month. $ 40 Divide by 10 hours. We find that in the direct sales business, he earns $ 4 per hour, almost six times more than in the main job. So where should be the main job? ..

But as long as we do not find the money, we do not have this remarkable statistics about where our money lie, in what sphere you need to put the main effort. So, the money you need to take it every day to record your income and expenses. And then, quite possibly at the end of the month we will open our eyes to where should be the main job.

How can you train yourself to keep a record of their own cash flow?

In its organizer do page accounting of funds, and every day it is filled. By the end of the first month you will be able to draw the first conclusions about how you handle your cash flow. Obviously, this takes patience and persistence in action. And if that is not?

There is another option - to develop the habit of keeping daily records of money. Any teacher will tell you that the best way to raise a some new qualities, abilities or skills - to involve themselves in the process through the game.

Remember, when parents have a child forced to do exercises, we do not understand why we need this. But if we parents are invited to play either football, or basketball, or tennis, we are happy to agree. Is that right? Similarly, we can themselves be involved in the process of use skills to keep records of the money through the game. The game "The key to wealth."

To do this, just need to start playing more often with her, in which throughout the game need to constantly keep a record of funds: where the money came to you, where and how much depleted. In a playful way people in a few hours it becomes a habit to keep records of money transfers it in real life and self-aware of the need for record-keeping. Sometimes it comes to the ridiculous. I spend the game "The key to wealth."

The day after the game comes up to me and one participant said, "Victor, it works! "I specify that it works? You know, I sponsor 3 years talking about the need to keep records of money, and I nodded and that was ended. But after yesterday's game I am personally convinced of how important it is to keep records of cash.

I came home in the evening and tried to paint the memory of your expenses and income over the past month. In the morning I get a call clients who a month ago took my products, and pay not yet paid. And they say: "When you come to us, we will have prepared the money." Obviously, beginners luck.

Once a person is changing for the better the lives of its rewards. A friend of mine works at a large publishing house. She has always been a problem such as a lack of money. And I recommend it to it during the month took account of their expenditure and revenue. At the end of the month, she calls me and says happily: "Vit, imagine, and my salary at work have increased! ". And her alone.

Life is very favorable to those who are accumulating in themselves new qualities and skills.

And about money, this law works the same way.

It's a patience you need to record their daily income and expenses.

Dear friends, if you really want to do to manage their cash flow, and not to you, he ruled, start to keep records of cash.

No wonder they say: "Money is like the expense! ". And remember that the Ukrainian tradition - it count! Count your money!