Many people dream of becoming richer. To defeat poverty, people are willing to save on everything and work harder, but they rarely succeed. Indeed, not every person realizes that the keys to a better life are in his hands.
You will need
- - cost analysis;
- - bank account.
Instruction manual
1
Analyze your own expenses. Within a month, write in a separate notebook even the most insignificant expenses. In most cases, the results will surprise you. With a detailed analysis, you can identify some irrational expenses, as a result of which you do not have enough money for the most necessary.
2
Always save at least 10% of your monthly income. At first glance, this amount may seem very small to you. But if you manage it wisely, then by the end of the year you will have accumulated a kind of untouchable stock that can be spent in a critical situation or on a large purchase. It is best to open a depersonalized metal account with a trusted bank, since in recent years it is precious metals that are growing most rapidly in price.
3
Get rid of the so-called "poverty complex", because often the problem is in your mind. Make yourself worthy of a better life and know where to spend the money. Try to buy high-quality items, even if in the end you will not have a lot of them. Give up impulsive but unnecessary sales. However, if you are buying a relatively expensive thing for yourself or your loved ones, never spare the money spent.
4
Continually improve professionally. Learn foreign languages, learn new skills, dive deeper into the subject that you are doing. The best professionals in their field always have a chance to get a brilliant offer that will fundamentally change the financial situation.
5
Think about why you live poorly and how comfortable you are with the current state of things. Do not try to find an excuse for yourself, because of which you have not been looking for a new job for years and do not change your life. Do not be afraid to apply for the most prestigious places, and boldly ask for a high salary at interviews. If you want and enthusiasm, you can start all over again at any age.
note
Use loans only as a last resort. If you earn little, monthly payments will be palpable for your budget. In addition, in a critical situation, you will not be able to pay with the bank and may lose your property.
Helpful advice
Improve your financial literacy. Understanding the principles of the functioning of money and the fundamentals of investing will help you become financially independent.
