The cure for lack of money

The fact that the need to save their own money, now knows almost everyone. And this concern is not only about the present, to have enough money for current expenses, but also about the future, when the money will be even more necessary than it is now. And today opened opportunities for investment

savings allow an ordinary person to create such capital, which can survive even when it would be difficult to make a living because of their age, or any other reasons.

In order to remain in a purse on a daily basis 50-250 rubles, or even more, depending on the size of the daily expenses and your income level, it is necessary to know the saving recipes that help to make the right purchasing decision and not to overpay.

According to one of the American guru to achieve financial freedom, Brian Tracy, "we are too early to begin to associate pain and discomfort with the economy, and pleasure - shopping." And if the economy is perceived as pain you, you have to restructure your thinking process and turn the economy into a pleasure.

If you react to daily shopping in the store and in general the process of saving as a game, a victory which will be prize money from a few dozen to several hundred rubles a day, depending on the standard of living that you now lead, I think the game worth it - especially when you consider that every hundred rubles, you can save the day (for a month will be typed about 3,000 rubles.), embedded, for example, by 25% in ten years will bring 27940 rubles.

And if you turn your savings into the system, and will fill up your investment account at least every quarter, your amount will turn into 496 493 rubles. Warren Buffett, one of the richest men in the world, began his career as a newsboy - and economy.

He set aside every dollar that he could save. He did not buy a car. Not because of the fact that this car was worth $ 10 thousand., But for the amount, which will become in 20 years the $ 10 thousand.

The problem of lack of money for the average person is rooted in the financial decisions that he takes daily. Emotions and fatigue, frantic pace of life do their dirty work - a person is constantly making the same mistakes that have catastrophic consequences for the family budget. Money goes forever and not come back.

But there is a cost, the size of which you can not influence, but there are costs that affect you are able. With costs, the size of which depends on your daily decisions, we must find a way to understand and correctly use the available funds, and loose money directed to the formation of capital needed for your future.

Says Barry Schwartz in his book "The Paradox of Choice", modern man is very difficult to be happy because of the abundance of goods, among which he must choose. And if a person chooses from an infinite number of goods and services, he becomes unhappy because there is always a thing or object, which will result in better and more human disheartened by a poor selection.

If a person is able to limit the choice of, say, five or six kinds of products, among these, he will be able to choose the best option for yourself and get all of the purchase: the joy of owning a thing of joy, that this thing is fully consistent with his requirements, and joy the fact that this approach allowed him to save some money.

Therefore, a reasonable approach to the use of the funds is to create a certain "framework" that would act in many cases automatically.

Each waste you will be analyzed and work to change it until then, until you achieve substantial savings and develop the habit that helps to operate automatically even the most extreme conditions.

Food

Expenditure on food for the middle class in Russia is about 25% of the income, and for the majority of citizens - 50%, and even more. And it is in these costs have to look for reserves to save. The reasons for cost overruns can be several:

Incorrect menu

Ingestion of a beautiful ritual that unites the family, has become a mere getting your stomach with anything. Proof can serve as an increase in the number of books about diets. At the root of many chronic diseases is poor diet and overeating.

If you start to have the principle of "less is better", it will bring significant savings. And then go eat better than the super expensive delicacies and sausage, and a healthy and fresh food.

Wrong power mode (constant snacking).

On buns, burgers, chips and soda or a cup of coffee among the working day is spent considerable funds of the family budget. This is what David Bach, author of the book "The Millionaire - automatically" called "latte factor." $ 5 (average cost of a cup of coffee latte with a cupcake) X 7 days = $ 35 per week.

If people put the money even under 10% in a year it would be equal to the sum of $ 1885

2 years - $ 3967

5 years - $ 11616

10 years - $ 30727

15 years - $ 62,171

30 years - $ 339,073

40 years - $ 948,611.

The solution is to simply drawing up menus for every day. That's correct and timely food will keep you from having something to catch and will not let you in between meals to feel hunger.

Semi-finished products.

The pace of life makes us all move and act faster. And to save time, a person buys semi-finished products. But forget a simple rule: that in which invested more labor is more expensive. The most important thing, overpaying, you buy less healthy products.

Instead of freshly prepared dishes with the required amount of vitamins you choose a set of preservatives, because without them none of cake mix is ​​not possible. Saving money will be in the rejection of intermediates and surrogates. A saving of time - in the planning and organization of activities so as to prepare the main dish to several days at a convenient time for you.

Count your money!

Money through love

"Think! It is a good Ukrainian tradition! "

B. Spivakovsky, Ukrainian millionaire.

There are people who are struggling to make ends meet from time to time "shoot" a little money to make it to payday.

There are people who just a few years ago were rich, and now can not figure out where to put their money.

And the millionaire and the poor very quickly lose their savings if spending more than comes to them. The problem is not how much money you have. The problem is whether you are able to manage them? If you do not know how to manage them. That ...

"... In this case, you will end badly, young man - strongly said Ostap. - Financial gulf - the deepest of all the precipices, it can drop life "Ilya Ilf, Evgeny Petrov" Golden Calf ".

In order not to sink into a financial abyss, the money must be considered.

This is the only way to control financial flows. Rich people believe their money. Somehow Vladivostok I happened to meet and communicate with one wealthy woman. During the conversation, I noticed that it is all their income and expenses into account, and asked where she got this habit?

At the time, she read in the newspaper an interview with Mikhail Gorbachev in which he talked about his wife, Raisa. She was surprised by one fact of life Raisa Gorbachev. It turns out that Raisa Gorbachev always kept receipts of all purchases and led the expenditure and revenue to be able to demonstrate all that they lived well on income earned by themselves and not by income from the state.

It is so impressed that she decided, too, so treat your cash flow. The word "consider" in this case we mean keeping a permanent record of all your income and expenses.

And we do it primarily for the information: where and how much money is coming to us, and where and how much goes out.

If we do not know where and how much money comes to us, we can not determine the best source of income. If we do not know where and how much of our money is spent, we can not change anything, not because we have no strength, but because of the lack of information.

When we consider all the money, all the costs and revenues, we are monitoring the situation, we can change it.

Imagine that you want to learn how to do your child. You come to the class teacher and asked to show your report card "flower of life." See the table and see: math - five, in physics - five, by geography - Five, and on the Russian language - not the best mark.

And you realize that you need to work out with your child yourself or hire a tutor for the Russian language. Based on what you have done such a conclusion? On the basis of the information received. Likewise, keeping the cash flow provides information on the basis of the information to draw definite conclusions.

The first conclusion - where, on what and how much money you expend.

With this information you can see their costs and optimize them.

For example, your child - a computer genius and the whole day sitting on the Internet. Over the Internet, you pay $ 150 a month. This you know, because began to record their expenses. With this figure, you can go to an Internet cafe or the center and get to know, and how much is the unlimited tariff of the Internet. It turns out that this tariff could cost $ 40 - 60 per month. And out of the blue, you can optimize your spending on the Internet.

Another example.

You are actively engaged in business, and a lot of communicating on a cell phone. Within a week a few times buying a recharge card for your phone. Now you have started to keep records of the money and at each account refill began to record their expenditures on phone. And it turned out that way your expenses are 800 hryvnia. If you did not keep a record of this expenditure, as it had not noticed how much expend to negotiate by telephone. Thus, it may be. it's time to buy the unlimited package, which will cost 400 - 500 hryvnia, which will again optimize their costs.

A third example.

You have many friends who live abroad. You keep ringing them from your home phone. And, of course, every month you have to score. Find out how much you expend on socializing with friends, you can cut your expenses. For example, using IP-telephony services and Skype install a program that allows you to talk for hours with friends and spend a fraction of the money.

So leading daily records of their expenses, we get information and see where our money goes. Due to the information received, we can optimize their spending and save a significant portion of its capital.

The second conclusion.

Determine at what financial level you are at the moment.

Let me remind you that we distinguish four levels in dealing with money:

financial dependence - a condition where my income is less than my expenses;

Financial independence - a state where my earnings are my expenses;

financial wealth - a condition when my income exceeds the level of my expenses,

Financial freedom - a condition when my income exceeds the level of my expenses regardless of what I was doing (travel, walk, play golf or tennis).

Seeing the information, as I expenses and how much I earn, I can see the level at which at the moment I am. And to draw conclusions: I live within your means or not. And if not, in what direction is the financial drain.

One woman said: "My children complain that I have little time to devote to them. To which I answered that I do business and make money. And a lot of money. But the most interesting, despite the fact that she was earning a lot of kids how to eat on $ 100 a month, and continued to eat for $ 100.

And she wondered: where does the money earned? She began to keep records of money. It turned out that she had them constantly occupied. And as a good person, she could not refuse. As soon as she saw it, the leakage of money, she decided no one else to lend. For a month addressed to it only one person asking to borrow money.

She turned him down. More it did not look like borrow money. This man was a test: whether she will come or not, or just thinking. Life is checked, more checks are not satisfied. If it does not start to keep records of money, it is unlikely that she could detect the leakage of money.

Realizing the leakage of money a person can go from the level of financial dependence on the level of financial independence, from the level of financial independence at the level of wealth, and with the level of wealth at the level of freedom.