Your money should make money

The mechanisms of the financial management of the enterprise is more or less clear. Above this structure employs a dedicated person, or even a whole department or even a department consisting of accounting, treasury, planning and economic department, etc. With personal finances accustomed to in a simple way:

how many there are in your wallet, and there are many. And a little more in the bedside table. Know how much in your wallet - it is, therefore, financial accounting. Regularly set aside in the locker - management in its purest form.

You can even try a fancy "chips" - to talk money, so that they floated into the hands.

In the morning before work to represent himself standing under an avalanche of cash flow. Carefully listen to monetary intuition, reinforcing its oracles crystal ball. All this - the different series of Brazilian soap opera or Slavic fairy tales "by magic."

They are created by various myth-makers with one goal: for your specific money to meet your specific desire - to earn as much as possible with the least effort.

In our case, we will talk about how to manage personal finances pragmatic and robust economic methods, with the help of the brain and through their proper use.

And during your vacation? And the children to university?

To manage finances, need to know their basic laws and principles of motion describing their formulas, as well as the laws of the country, the financial instruments that you want to use. During the management of personal (and corporate) finance, it is important not only set yourself up to make money and earn them (or get as you like).

This is only a third of cases. Two-thirds - the ability to dispose of funds and make them work for you. What is there management, you ask, when you need to pay immediately to report it to hold, and even go on vacation and the children to the university? Deep misconception occurs because of ignorance of financial laws.

All just the opposite: a lot of money or a little, but the mechanisms of management are absolutely identical. The bottom line is that any amount being properly and effectively managed, in a good case, not squandered, and ideally - will bring extra income.

Unpopular TRUTH ABOUT MONEY

I venture to offer you some seditious thoughts about money management. Thought one: and corporate and personal finances to manage profitable from the standpoint of the economy, rather than increase income.

Simple mathematics (second seditious proposal: math we do not like, but in vain): Say you earn 1000 UAH. (or dollars, of your choice) per month, of which 850 UAH. spend, and 150 UAH. set aside. I would like to lay their amount increased by 50 units.

Variants of execution of this desire, there are two: to reduce costs from 850 UAH. up to 800 UAH. (5, 9%), or to increase its income from 1000 UAH. up to 1333, UAH 3. (33%). Here's a mystic. It should be noted that the figures in financial management - irreplaceable thing. Management itself consists of planning, analysis, control and accounting of finances, investments and taxes.

Try to get things done without numbers and calculations! Savings in the order of personal money does not mean that it is not necessary to raise revenue. Rather, it is possible and necessary. But if management is implemented at least the minimum amount, source of extra growth will not necessarily be an increase in employment, and hence earnings. On closer inspection, internal resources are always needed only properly dispose of them. We must start with the reduction of inefficient spending.

In a detailed analysis of their own cash costs in almost all found some set of standard luxuries - emotional purchases, of which about 40% are absolutely not necessary, except for the dubious pleasure in the first 5 minutes, during and after your purchase; - Inattention to spending up to $ 100 USD. (or dollars) - psychological properties of numbers; - The status of purchase, as a rule, is also very questionable character; - The purchase of the future, that is often a psychological protection against insecurity; - Purchases under the influence of advertising.

These features of the behavior of buyers is very well understood by professional sellers. Without becoming a professional buyer, you will pay for your continuously amateur approach to the matter of his own pocket.

RESERVES

After a thorough analysis of its expenses, including detailed accounting method (preferably - written on it and the account), you get to decide the next important task of contributing to the global goal of financial management. It is about creating a protective provision for force majeure, as well as to activate the normal ongoing operations.

In corporate finance is called maintaining the current liquidity of the enterprise and long-term financial sustainability. Thus companies are protected from volatile external environment. With the personal finance business are exactly the same, only much closer to the body.

In the case of force majeure should be to create a reserve for the protection of the health and performance, for the protection of children, family and loved ones at home if the health and performance are lost (unfortunately, in this case, time is not in our favor), or source of income is not stable.

Healthcare money can not buy, but the price of medicines and treatment is known, and therefore form a reserve for the protection of the health and performance you need. In addition, as it does not sound awful, but be much more disabled than to die, because in the second end and revenues and expenses, and in the first - expenses also increased.

The future of your children should not be dependent on your sad this (if you suddenly can not work). For the same situation, and care must be taken to protect your property.

All these problems are usually solved with the help of insurance, the corresponding legal registration and retirement planning. Modern insurance companies offer enough about Schirn list of products for each of the above cases. Buying these products also need to be a professional buyer.

"Beautiful far, do not be cruel to me ..."

Another direction of the formation of the reserve - increase the financial base. In the preceding paragraph spoke of putting money aside for a rainy day, now it is a question of adjournment today and a brighter future, in other words - of the reserve funds to all that lay the foundation financially stable life.

How expensive to sell what you do

Art sale.

After health, creativity and family, art sales, in my opinion, the most important thing. Why is that? To understand ...

We voted on the title of the second book. For 7 days, it is about 400 letters, which is enough to understand the priorities and preferences.

What is the essence of our work?

Now we know which of the proposed name of "eye-catcher" and makes you want to take a book and meet her. It would seem, what else is needed? But this is actually small. The bottom line is - you vote for sitting at home, at the computer, reading the newsletter. That is, you are in a situation that is quite different from the one that will be in the store when the book will be on the counter, right?

In the past the store shelves is the flow of people and few of them are set to search for the name of our book. All of them are "different in my head," but one thing unites them - they are all in the bookstore. This place - our operational area. It is here that there is our main task, we decide, "How to make our book noticed among others, have taken up and purchased? ".

Every problem has a problem. In our case, the problem is still there, but we expect to decide in advance and did not create. This is the simplest prediction of the future. What is the problem? We assume that our book is on display, by the people and are not buying. The problem? Of course it still is! That it has not occurred, we need to do something, right?

So we're doing right now. I am sure that our small experience will help those involved in the sale of their goods and services or others. So we have what we sell - the book. The name she has. Let's go back to it later.

How to learn to sell.

For whom is the book? It is very important to know, because if we say all, we mean "to anyone in particular," and therefore we can not just pick any name, nor cover. Our target group: People who have "something wrong" in the soul, and what - is unclear. This is my free description of my target group for this book.

Question: "Can these people meet in a bookstore? "Yes, of course, possible. So, this description suits us. What does it give us? We know about the inner human need, which want to establish a relationship. But this is very important - to know what he wants people in front of us.

This is important both in sales and in personal relationships and in the family even more. Right? And do not you think that art sales - is the art of living? Think about it. So, we are with you in a bookstore. Here's a shelf with books. Here is our book. People walk past. Why is that? It is not clear ... Pass all.

To find out why, we need to clarify the description of our target group. How to update? Thus, using the description that can analyze the situation in the store. So, what puzzled people who pass by our counter? Perplexed not in general "for life", as in this case - in the store. They do not just come here, right?

Here are my answers:

Our potential customers:

1. Look for something like that.

2. Look for books in the same section, but not on this subject.

3. Just walk past and very different books they are interested.

Who among these three groups may be interested in a book? Surely the first group - those who are looking for something like this, right?

The second group, the ones that are looking for literature on this topic, but on this topic, too, can, but the probability is less. They have a different interest.

And it almost certainly will be held by those who go somewhere further, to other sections.

How to sell themselves dearly.

In any of the above target groups, we will orient our cover and the title? In the first group? What for? And so it is very likely that they will look at all the books in this section. On the second? Yes, they are necessary.