Pay yourself. Simple and nice.

- How much money do you have saved for the last six years?

- Not at all - I admitted sheepishly.

Raising his eyebrows in surprise, he said:

- Who warned you to such a plan?

Jim Rohn "7 Strategies to achieve wealth and happiness"

Ask yourself this question?

You a few years to change your life for the salary. 8 hours per day, five days per week, 50 weeks per year. This time will not come back to you never.

And what is left in your hands?

If your balance is now depressingly zero or, even worse, you have the windows smashed field camp hungry, predatory lenders - it's time to improve the situation.

Because if you live with a vague hope for the solution of these problems with the help of a lottery or the timely death of a wealthy grandfather, then maybe you get lucky. But most likely, will take place 10, 20, 30 years, and the money you would still be -100 dollars.

Fortunately, the magic pill has long been known. And it is called "Pay yourself first."

It's a simple, understandable and very powerful idea, to which you can easily think of their own. That's exactly what I did not do ... until I read about it Sergey Azimov - "How to earn money without start-up capital."

Read - get a lot of pleasure from the process. Kick-ass book. Later I found the idea from Brian Tracy, Jim Ron Bodo Schaefer, David Bach.

But the essence of it is this: I want to read this simple idea to start to apply it.

So.

If you want to make yourself financially independent eagle if you want to get rid of the debt and sleep at night, then you pay yourself first. How? Very simple.

Step 1.

When you receive a salary or any other income, you immediately set aside 10% of income in a separate basket. The money you do not spend UNDER NO CIRCUMSTANCES. No sale lollipop does not have to shake your confidence to save the money for themselves.

Step 2.

The accumulated amount you invest at 9-12% per annum. For example: $ 60 per month by 10% in 30 years will bring you $ 148,613. (Where it makes sense to invest money, we are still going to discuss).

These 10% will allow you to grow the Golden Elephant, Regularly bringing you the Golden Elephant.

The 10% percent allow you to spit on a pension of 2,000 rubles from the caring state.

These 10% will allow you to do what you want rather than what you need to earn a living.

And you know what the beauty of this idea?

Winning the lottery is possible to wait for many years. Unexpected inheritance, you can not wait for ever. And save money, you can start right now.

Right now, you can open the wallet to pay themselves 100, 200, 500 or 1,000 rubles, and put the first brick in the house of your financial independence.

The money is hidden in a book, put on a shelf to hang a shelf high on the wall, and the key to the apartment to dig in a secluded place. To prevent your playful hands spread your financial fortress to pieces.

Immediately go over possible objections.

10% - too high a figure, you might say. My family budget bursting at the seams, the child requires a robot-transformer and "Snickers" and I'm head over heels in debt. Do you want us to set aside 10%.

And I say that, ideally, it is good to set aside 40%. But if your financial situation is really difficult, live 95% and save 5%.

You can even start from 1%. Once you get used to the 1%, 2% delayed start. Then 3%, gradually bringing their investment in the future to 10, 15, 20%.

It is important that you begin to save money can right now. It may be 10 000 or 100 rubles. The important thing is that you can do it today.

So.

What do you choose? Come up with another excuse or take the first step now?

Where the money goes or I want to become an investor!

We throw money again,

We can not keep up.

That is beginning to run out,

So commit to start.

Remember the curriculum for literature?

There was in Chekhov's "Cherry Orchard" a landowner Guys. He entered the history of that eaten his fortune in the candy. Well, in our time such feats rarity.

Firstly, there is no state. The salary of the state does not pull, and rich aunts death on this planet is clearly not enough at all.

And secondly, the modern reality is considerably expanded the range of ways that you can lose money. So candy - it's kindergarten, the Stone Age and the Middle Ages grimaces.

Today, money can say on the mobile phone, play slot machines (yeah, already cheats are not necessary) and a host of other prolyubit extremely high-tech methods. Proest Well, of course, also possible.

Batch perch "a la naturel" is also worth the money. There would be a monthly salary, and only spend - is what we are able to do. To the penny. Correctly? Even you can take the credit. For a complete happiness.

What happens?

Not enough money, ways to spend - a lot. And then to live on a pension of 2,000 rubles a month do not want to.

So what to do? "How to win their daily bread? "- I asked the great schemer Shura Balaganov. "Well, even caviar would be on top of him" - we should add.

As we have already explained,

One of the easiest ways to arrange a heavenly life while still alive - is a chain consisting of the obvious links.

That these:

* Each month, save some money

* To put this amount in investment funds are familiar to you

* Rejoice steady growth of your capital

* Achieve financial independence by the time you set

When I discussed this circuit with one his friends, he gave me something like: "Look, it's a great thing. Simply super. In theory. But in practice, I can not even keep the minimum amount! I need all the money I earn. And sometimes even more. I just can not afford to postpone anything.

"Chief, all is lost. Gypsum is removed, leaving the client, and the problems arise at the very first step. Money for investment is simply not enough. Familiar?

That is, the problem is not to set aside something on a regular basis, and that it is impossible to save anything at all. Well if so, then let's talk, where to get the money, if they are not :)

To do so, perform a simple exercise. Tellingly, after you likely will have money to invest.

David Bach, author of an audio-course "Automatic Millionaire" even asserts that it will completely change your life, and results in a lot of examples. But enough talk. To the barrier.

So, if the results of the month you have not left a penny to build its bright future as if this bright future you do want, it's time to do that?

Check out where the hell are all these funny disappear rustling of paper with numbers. In other words, you should know what you're spending money. Yes Yes. That is so simple.

By itself, this is an excellent habit. But if you ever do not do it, then do it regularly at first it may be difficult and unusual. Therefore, make easier. In one week, write down all your expenses. If you have the money back to back, it makes sense to record even how many minutes you talked on a cell phone and how much money you have spent on it.

You like to have a bottle of beer legitimate after a busy day? And cancer, large, but by 5?

Want a day after three go to the theater? Excellent. I did not call to abandon this. You do not need to change their habits.

The only thing to do is to spend 1 week to record all your expenses. Everyone. Including the smallest. Elementary, is not it? You do not need any super-duper program to account for the money. It may be a note in a PDA or a piece of paper and a pen.

It is very simple and, fortunately, takes you an excuse, "I need to be prepared properly"

So, a week you write with enthusiasm, where you have the good fortune to spend the money. And then on Sunday, you can sit in a chair, drink tea, and view your records.

At the same time responding to one question, "Do I have had to spend money on it and it is so? "

Firstly, the results show you will learn about their financial habits of many new and interesting.

Second, you will know the answer to the question: "Where are all gone, 3 days ago if I just got paid" :)

But most importantly, you will be able to understand how you spend the next day / week / month, so that you have free money.

Summary:

* Decide exactly when you will begin to cost accounting

* During the week, write down all your expenses

* At the end of the week consider which of your expenses are superfluous

* Get rid of these wastes

You still do not know where to get money to invest? Then we go to you.

P.S. By the way, maybe you even like it to be aware of your expenses and you will begin to conduct regular inventory of money.