Stop whining and take responsibility for their financial well-being for themselves.
Why a million
A million is a great sum for many. Six zeros give the savings status and tickling sense of self-importance. But there are nuances.
Most likely, you already a millionaire
If you add up the cost of everything that you have right now, the total will exceed a million. Just not all of your assets liquid. For example, the apartment you buy is easy enough and most likely you will come in plus. But furniture, clothes etc if they are sold, it is clearly a loss.
So you have had a million and you spent it.
Always whether these costs are reasonable? Of course not, you’re not a biorobot. But definitely could of spent to save or invest that money and make a profit. So don’t rush wrote angry comments that your income is not rich.
A million is a bit
With a salary of 20 thousand million looks unattainable peak. Even if you kept the earned entirely, you would save four years and two months. If you put 50 thousand a month, the term will be reduced to one year and eight months.
When it is about numbers, not a million seems a huge amount.
To get million, it is necessary to turn an idea into a goal. Perhaps it will be a very long-term task. But you will clearly understand how and when you can achieve the desired. You will have to make a plan of action and follow it. And it is certainly more productive than whining.
The first million will be decisive
If you are a top Manager of the Corporation with a salary of 500k per month, that is the exception to the rule. For the rest of the million will be a significant amount, which will allow you to feel calmer and think about investing money.
Several hundred thousand such magic does not have, even though to invest a tiny amount. First you need to take care of the contingency Fund, which will feed you in case of unemployment or serious illness. Anything over a million, easier to find surplus. They can be put into circulation.
And you will psychologically feel quite differently. You’re not on the Forbes list, but you are a real millionaire.
Why poverty is a habit
Maybe you are used to criticize a government that works and sticks you stick in the wheel. Consider that the rich can only be through theft and bribery, and you have something honest and poor. Wait for the flying fairy godmother and transform your pumpkin in great condition.
Based on the real situation. The government do a lot of things you must because you pay taxes. But just angry enough to seek justice. Some get rich by dishonest means, and it is a crime. Others earn money legally, such as sole proprietorship and without SMS. But the last lot of work. And you too I hope for the fairy godmother, which does not exist.
Perhaps you do spend a lot of effort and not get rich. But if to do nothing, all will end in failure.
Here are a few habits that do not give the financial start from the bottom and float to the surface prosperity.
1. You small-minded
If you ever watched the reality show about people from dysfunctional families, you probably paid attention to such cases. To the person adjudged to be not so much the amount of 50-100 thousand rubles. And he says: “Finally I will be able to buy anything! I always dreamed about it”. It’s sad, but let’s leave aside emotions.
To a man’s true desires, he was only 50 thousand. Does he have the motivation to try if the bar is so low? Do you all like better, but not much. You turn into the dream of a lifetime goal which you can achieve in a couple of years or faster.
Start to think big, as if you have no restrictions. The framework will define later.
2. You don’t set goals
While you lie on the sofa and dream to get rich, it is empty. How to get hold of, if you count in rubles? What you should do to get closer to the goal? What stages it is appropriate to allocate to go to a brighter future faster?
Perhaps you have goals but you did not choose them. This is the other side of the same coin. You are trying to buy a car, just because. But never thought, whether it is necessary for you personally.
To let life take its course and to be dissatisfied with it much easier than at least try to control it.
3. You spend all the money
Typical habit of a poor man: as soon as the additional income, the money is instantly spent. At first it was because of the need of funds is simply not enough. Later, the habit carries over into higher earnings.
The phrase, “I don’t understand where the money” feet grow from here. It is very easy to understand what happens to the earnings. You just have to keep track of costs.
4. You are completely happy with what we have
If you are doing some steps, only after a kick in the ass from family or employer. But you don’t become successful.
No one is obliged to pull you. If you are bad, guess who is to blame? You.
5. You don’t take responsibility
It starts with little things and spreads to more important decisions. You never admit your fault and are always looking for involved in your failures. Late due to traffic jams, not get promoted because of the chief the fool, change, because a partner has ceased for a monitor.
As for the money, there is a direct relationship between willingness to take responsibility, quality of life and the size of earnings. You do not wallow millions as soon as you change your attitude to life. But the chance to put together at least a little as there will be more.
6. You are afraid to take risks
The proverb about a bird in the hand hammered in the subcortex childhood and interferes to achieve success. This is not the best guide to action.
If you have an average job and salary, then drop everything and start something new scary. You can lose the good in pursuit of the best. But the idea for the future: are you ready all my life to settle for this normal?
No calls to rush to a whirlpool with a head. Any risky action must have a Foundation, calculations, calculations that increase the chances of success. But to do so in any case you need.
17 habits that will make you a rich man
How to increase your income
To grow professionally
You pay a lot, don’t have to go in IT. You can have a working profession, but you have to be unique. If you perform your tasks better than others, you will pay. You may be looking for to entice to your company on a big salary if you’re worth it. But you’ll have to invest in yourself, work hard and learn.
To start your own business
Hired labor is relatively stable and reliable. But you always have a ceiling of earnings, as measured by salary and in some cases prize. It’s plus or minus a constant amount.
Your income you begin to manage when it depends on the effort. For example, you digger. If you work for a salary, no matter how much you dug. Salary will be the same. When piecework you can in a day to dig a trench 10 meters for 1 thousand rubles, or 30 meters for 3 thousands — all in your hands.
Your business is not a walk across a chamomile field. Rather, the path on the slippery trail in a swamp on stilts and with three bags of cement on their shoulders. And everything around is burning. But if you find the right path, there is a chance to get to solid ground, to build a cement house and fry a steak in that terrible fire.
To offer something new
Look at all these youths-millionaires who for some reason flashed on the news. The children of billionaires don’t look. We are interested in startups, inventors, and other guys who sell their designs to the sharks or themselves successfully their rule.
Their ideas are shot because they are new. Or old, but repackaged so that people still come to the delight. To offer such difficult. If for thousands of years before our era it was enough to roll out the tribesmen wheel, now you will have to think about the project a little longer. And yet the field for inventions remains.
Look for ideas for passive income
Optimal solution: while you earn money, something else fills your pockets. And if you stop working, passive income source is not going to stop.
12 ideas on how to get passive income
What to do with the money
According to General Director of Finance aggregator “Cf.ru” Sergey Leonidov, the notion that the investment makes sense to think about starting from high amounts is a myth. Even 1 thousand rubles can be invested in several ways. So you start small. But you need to learn a few basic rules:
To understand what level of risk you are ready. The higher the risk of a financial instrument, the greater its profitability. Before investing money in the stock market, decide for yourself whether you are ready to lose them. If not, it is better to find options with fixed income. The easiest contribution.
To determine the period for which you invest. In the short term, stocks can become cheaper, and the market to collapse. But in long term they usually grow. If the attachments you’ll need in a year, with the stock market it is better not to experiment.
Never invest in something I don’t understand. If after studying the issue you do not understand, due to what the tool generates income, it is better not to invest in it. There is a risk that it is a pyramid scheme.
Among the simplest of power tools for the enhancement of stocks Sergey Leonidov calls the next.
Some Russian banks take deposits from 1 thousand rubles, although the generally accepted minimum threshold is 10 thousand rubles. Rate depending on the amount hardly changes. Right now the yield on one-year deposits is slightly more than 8% of the Basic yield level of annual contributions.
Risks: low yield, which may not cover inflation.
How to choose inputs to get more profit and less problems
Card interest on the balance
Many banks issue cards, the balance on which interest is charged. For those who might need during the year. If you close the contribution ahead of schedule, in most cases, the interest will burn. With maps this will not happen. But the interest on them is generally lower than on deposits.
Risks: unlike the Deposit, where the rate prescribed in the contract and valid for the entire period, the interest on the balance, the Bank can change it at any time.
How to earn on debit card
Another analog input. Many banks directly in the app, you can open a savings account and to close at any time without losing the already earned interest. Usually the rates it coincide with the interest on the balance. Comfort in the fact that money is isolated and you do not accidentally spend.
In addition, many banks can set up automatic replenishment. For example, once a month salary. A good option for those who are not confident in their financial discipline.
Risks: as with card interest on the balance, the interest rate on savings account can change.
Mutual funds (mutual Funds) is a constructor of several stock or bond, which is the management company. An investor can buy one share. Price starts from a few hundred rubles. Subsequently, this unit can be sold — at an increased cost if all your stocks and bonds to generate income.
Risks: you have to pay a fee every year even if the Fund suffers losses.
This is similar to the mutual Fund instrument, invented abroad. Usually it copies the stock index, for example, U.S. technology companies. Indexes tend to grow, so this tool is considered the most reliable in the stock market for ordinary investors. Russia ETF easiest way to buy via apps brokerage firms. In all cases there is a service fee.
Risks: in the short term, a possible decline in the exchange rate.
Bonds are issued by companies, Russian regions and even the Russian Federation itself. If you do not want to understand the intricacies of this tool, you can open an account with a broker. Large brokers are consultants who will tell you how everything works, and help you choose the bonds. To buy will need a brokerage account. As a rule, maintenance must be paid. There are still fees for the purchase of securities. Their sum depends on the rates of the broker.
Risks: unpredictable profitability, bankruptcy issued the bond Issuer.
The loan business
Do you support the ruble of someone else’s business and get gratitude in material terms. Now there are several sites where ordinary people can lend money to the business. Typically, this amount is from 10 000 to 500 000 rubles. For example, “Stream” Alfa-Bank “City money,” OZON.Invest — Internet-shop OZON, which should start in normal mode in 2019. A similar service runs a savings Bank.
Risks: defaults of companies that you borrowed money.
What it takes to become a millionaire
Stop whining and start acting.
To adjust to a different way of thinking.
Learn to set goals and take risks.
Don’t stop halfway and achieve their goals.
Make friends with math and Analytics — if its action you are not supported by the numbers, this is the road to nowhere.
To study the investment instruments and to try different options.
Be prepared for the fact that the path to wealth is long and filled with restrictions and plowing.
Stop to envy those who got rich easy: you have already failed. Pull yourself together and look your way.
How to set financial goals to achieve them
14 tips for those who want to get rich
How to survive the week before payday, if money is almost gone
13 phrases that repel money
25 tips for a trip to the supermarket that will save money, time and nerves