Wealth, good income and a comfortable standard of living are not necessarily a consequence good education, useful connections and a wealthy family. Exists great amount people who have achieved financial well-being without the above factors. And, on the contrary, there are people with diplomas from prestigious universities from non-poor families who simply cannot earn decent amounts of money so as not to deny themselves anything.
What things most often prevent you from getting rich, AiF.ru told psychologist Pavel Volzhenkov.
I was taught without me
Every person by nature has something that he does well, to which he is drawn, into which he invests his strength and, as a result, receives an increase in earnings. This is an ideal case when a person does a job he loves.
It’s good when in childhood the family and school help the child discover an understanding of his strengths - in this case, in the future he will work with pleasure.
Unfortunately, the opposite situations, when the family chooses for the child what kind of work he will do, are not uncommon. They form a dependence on the opinions of others - a person prefers to listen to third-party opinions on what to do, and does not listen to his own feelings and desires.
In this case, a contradiction arises within a person. On the one hand, there is a natural desire to realize oneself in the business to which one is drawn, on the other hand, there is a fear of disobeying the opinions of mom and dad, a fear of scandals and conflicts. As a result, a person receives an education that is interesting not to him, but to his family, after which he works in a position that is uninteresting to him, without motivation. The opportunity to earn a lot of money and make a career in an industry that you don’t have a passion for is negligible - few managers will pay attention to an employee who does his job without a sparkle in his eyes.
Someone else's success
People end up in unloved and uninteresting jobs not only due to pressure from relatives. It often happens that a person goes through many different options, what he should do, focusing on the experience of his authoritative environment.
Our hero looks at the fact that next to him there are people who have devoted themselves to one profession or another and have achieved success in it. His natural predisposition to a business in which he himself could achieve success is relegated to the background - the person is ready to try anything to become like his authority.
The danger of this situation lies in the fact that his “idol” may have completely different character traits and inclinations, due to which it is not difficult for him to achieve success. In order to follow the path of an authoritative acquaintance, our hero needs to invest much more effort, and the result may be worse.
Instead of investing energy in what he is naturally good at, a person spends time and energy on activities that are not suitable for him. You could say he buries his talent in the ground.
Caring about status
Another common situation is when a person focuses exclusively on high-status professions, believing that they will “lift” him. Roughly speaking, there is an artificial division into the professions of mental labor and professions of physical labor; representatives of the latter are sometimes called second-class citizens. This is a big mistake, because work in enterprises can be no less intellectual - it can be, for example, work on complex equipment.
The reluctance of young people to work as technicians has led to a shortage of personnel in some industrial sectors; in the “creative” sphere, the opposite trend has occurred - a huge number of marketers, designers, etc. provoked increased competition and, in some cases, even a reduction in wages.
A person who wants to realize himself in the profession of mental work does not always understand that he can cope with such work worse than others. Accordingly, he cannot count on a large salary.
Money comes first
If in the last section we talked about people who are guided by the status of the profession, then below we will talk about people who choose an activity not by prestige, but by how much money it brings.
Our hero forgets about his hobbies and that work should bring pleasure; there is one thought in his head: “I want to do something that will bring me a lot of money.” Most often this happens to teenagers when they are just choosing an area to which they will devote their lives. They scroll through websites with vacancies and pay attention not to responsibilities and requirements, but to the amount of remuneration. Thus, they suppress their natural predisposition to the work for which they are more inclined.
The result is self-deception. Firstly, not everyone can become highly paid financial analysts or energy workers, and secondly, even a high salary eventually ceases to satisfy those who are not doing their job.
Success for others
Expenses are divided into two groups: vital (food, utilities, medicines, etc.) and secondary, that is, those that are not necessary to make right now, especially when the economic situation leaves much to be desired.
But there are people who, at any cost, need to go on an expensive vacation or buy a new car. All this, of course, should be in the public domain - geotagged photographs from a five-star hotel in the Maldives or a luxury convertible appear one after another on the social networks of our heroes.
In the minds of such people, the stereotype is “everyone should know that I make expensive purchases - if I don’t make them, everyone will think that I live poorly.”
The habit of throwing money around for show, regardless of the economic situation, can be costly for those who are hostage to this stereotype - there are often cases when such people get into deep credit bondage, but cannot stop. Fear of judgment from friends stronger than fear not repaying the loan and communicating with collectors.
Of course, there can be no talk of any wealth for a person with such a habit.
Herd Panic
From the moment when National economy began to experience difficulties due to falling oil prices and Western sanctions, and the Central Bank sent the ruble exchange rate into free float, strong jumps in exchange rates were no longer a rarity. However, many compatriots, remembering the economic turmoil of the recent past, almost rush to exchange offices - has the dollar soared to 100 rubles? We urgently buy dollars. The dollar fell to 60 rubles? We are urgently getting rid of the euro.
Everyone starts buying dollars, everyone starts selling euros, and our hero, succumbing to the herd mentality, does the same.
After some time, the situation with exchange rates settles down, and those citizens who stormed banks and exchange offices at peak times lose money.
“I will never save up for anything”
In our difficult economic times, not having a financial safety net is an unaffordable luxury. You may need money at any time and for anything, including investing in some profitable business.
However, very often people prohibit themselves from saving for a rainy day. “What’s the point of saving 2 thousand a month? Is this how you can save up for something? It would be a completely different matter if I could save 50 thousand rubles a month,” our hero thinks and continues to spend money on all sorts of little things that he could put in the bank at interest.
In fact, 2 thousand a month is not such a small amount to save. This is 24 thousand rubles per year plus bank interest. If desired, you can use them to buy a tourist voucher or household appliances without going into debt. Moreover, having realized that you are doing just fine without this 2 thousand a month, you will most likely reconsider your attitude towards personal finance and try to save more.
How to get rich at home from scratch and without investments? Where to start on your path to wealth and what obstacles will need to be overcome?
Hello, dear readers of the business magazine HeatherBober.ru! Vitaly and Dmitry are in touch with you.
Today we will talk about a very interesting and always current topic– how to get rich, and in practice we will tell you how to do it.
We hope our article will help you fully realize your creative and commercial potential and gain financial independence!
So let's begin.
1. How realistic is it to get rich quickly from scratch at home?
Wealth and prosperity are, first of all, the result of hard work. Only in isolated cases do people become rich due to luck and fortune. we already wrote in one of our articles.
2. What do you really want: to get rich or to be happy?
Material wealth is certainly important: it makes a person feel happier and more fulfilled. However, wealth is far from the only condition for comfort and well-being. Karl Marx also wrote that the prosperity of a society is measured by the amount of free time its citizens have.
"Wealth- this is the amount of time you can not work while maintaining a comfortable standard of living for yourself.”
Robert Kiyosaki, famous entrepreneur
That is, in order to get rich, you must first of all have time - a universal resource that can be turned into money. But in a general sense, a rich person can be called one who develops equally successfully in different areas life.
Truly successful and rich people pay attention to:
- health;
- relationships;
- creative and personal development;
- material well-being.
Human happiness lies in harmony. A person becomes happy if he is healthy and has the opportunity to realize own ideas and projects, doing what he loves, relaxing with family and communicating with interesting people, that is, has happy relationships with others.
Ideally, what you love should also be a way to achieve material well-being. When work is a burden and does not bring moral satisfaction, one can hardly talk about personal well-being (even with a high salary).
In other words, you need to determine for yourself what exactly you want: to get rich in any way or to become happy?
Wealth– not the case when the end justifies the means.
And this is true precisely because wealth itself does not guarantee a person’s happiness, but often, on the contrary, mercilessly takes away a person’s health, happy relationships with loved ones, children, friends, and absorbs almost all of a person’s time!
Unfortunately, we know examples of outwardly rich, but internally deeply unhappy people who, having a solid fortune, look tired and dissatisfied, even disappointed.
Money requires love, but not worship. They are a means and must serve for the benefit of people.
Example
It has been noted that people who get rich quickly without giving back their work often suffer serious psychological trauma and problems.
Big money means big energy, it's a big responsibility that many are not ready for.
Strive for inner peace and tranquility. The most important thing is to understand your nature and engage in activities in accordance with it.
If you really understand who you are and what you want from life, that is, you understand what makes you happy and how exactly you can be useful to other people, and start doing this - money in the right amount will come into your life.
Nowadays, thanks to the development of new technologies and the Internet, opportunities for earning money have increased many times over. and get rich without large financial investments, we have already talked about on the pages of our electronic magazine.
If you are not currently satisfied with your level of well-being, it’s worth trying different ways to achieve it, which seem attractive to you. The more possibilities you try, the higher the likelihood of success.
The main thing is to remember balance.
3. What prevents you from getting rich - the main obstacles on the path to success
There is only one obstacle that prevents people from getting rich - themselves. By changing your own thinking, you will inevitably attract financial flows to you. Transformations start small: take the first step and you will see how the world around you begins to change.
How to learn to think like rich people
When we talk about creative thinking, we are talking about subconscious attitudes that directly affect our thinking and, ultimately, material well-being.
In the books of the Canadian subconscious specialist John Kehoe “Money, Success and You”, “The Subconscious Can Do Anything” and others, given practical recommendations to change thinking in a positive direction.
Other authors also say that thought is material - for example, which we talked about in detail in a separate article. In his works, the author reveals the secrets of millionaires, teaches him to leave his comfort zone and influence his own subconscious.
Never say, “I can’t afford it.” Instead, ask questions like: “HOW will I be able to afford this?”
Robert Kiyosaki
And the subconscious will look for answers.
The crisis in Russia - an obstacle or a chance to change your life
How to get rich in a crisis, when the incomes of the majority of the population are falling, wages are being delayed, and production rates are becoming lower and lower?
Oddly enough, for people with a positive approach to life, unfavorable circumstances are only an additional incentive for creativity.
In Chinese, crisis is also translated as “ new opportunity“We think the hint is clear.
In extreme and uncomfortable conditions there is no time left for complaints and regrets. When a person is threatened with debt and other troubles, his desire to change his own situation increases and he is ready to leave his comfort zone.
The main thing in such circumstances is not to panic and continue to think creatively.
How to get rich without investments? How to get rich on the stock exchange, betting, selling real estate, and making smart financial investments? How can a girl, student, or pensioner gain financial stability? All these questions are of a private nature, but at the same time subject to general rules.
Exactly general rules we want to formulate and present to our readers in the form of specific practical advice and recommendations.
Having understood how to get rich, having mastered the basic “technologies”, you yourself will be able to choose the most effective ways for yourself to make money.
Tip 1. Invest in your education
Investing in your own education is work for the future. Practice shows that the skills, knowledge and talents that you develop almost always turn out to be in demand.
How to learn to make money from your skills is the second question. First you need to create a supply, and only then will there be a demand for it.
To obtain additional education or learn something new, you don’t even have to leave the house. Training can be obtained via the Internet: right now hundreds of webinars, distance learning programs, courses and seminars are being held online.
Today there is a ton of FREE materials online on almost any topic.
All you have to do is choose what you like best or take a course to improve your existing knowledge and skills.
Tip 2. Improve your financial literacy
How to raise your financial IQ? Many scientific and popular works have been written on this topic.
You can also gain real knowledge on this topic through practice. You can take your monthly budget as a basis and try to manage it with the utmost rationality.
Eliminate all unnecessary spending, try to develop a pragmatic attitude towards money, read competent books on economics, use logic and common sense more often.
Try to start saving a portion of your income on a regular basis. Form your investment reserves.
Tip 3. Develop and polish your talents and abilities
A person wastes a lot of time doing things that do not bring him either moral satisfaction or material benefits. Pointless surfing on the Internet, viewing celebrity blogs on LiveJournal and the pages of acquaintances on social networks can be replaced with more useful and promising activities.
For example, if you have literary skills, albeit small and questionable to others, you can try to develop them. Write stories, fairy tales, histories - whatever brings you pleasure.
You won't even notice how you'll be carried away creative process. If you like what you create, perhaps publishers and readers will like it.
Any strengths personality and Creative skills can be developed and improved if you do it regularly and purposefully.
Play guitar (piano, banjo), do yoga, study foreign languages, attend courses in management, rhetoric, communication - all these skills will definitely come in handy.
Proper time management () is a skill that all wealthy people, without exception, possess. All millionaires and CEOs of large companies have detailed plan for the day, week, month that they try to stick to.
Don't be alarmed: time management won't turn you into a robot or kill your freedom. On the contrary, a competent approach to the most important human resource - time - will save you from haste, meaningless fuss and unproductive activities.
Tip 5: Build the Habits of Rich People
If among your friends and acquaintances there are wealthy people, try to communicate with them more often, be friends with them, learn from them.
First of all, you need to learn how to approach own resources: successful people know how to manage their time, talents, and skills as efficiently as possible.
They may not work any harder than the average employee, but they get much more out of their work.
If you don’t have rich friends, read books about successful people, watch movies, develop good habits, leave your comfort zone more often. Don't look at money through the prism of emotions, perceive it through logic and reason.
Representatives of the middle class think about advancing their careers, while the rich are focused on owning a business, as well as creating sources of passive income. John Rockefeller also said that the path to large fortunes lies through
When we talk about the habits of millionaires, we do not mean unreasonable spending and other excesses. Most wealthy people practice restraint and reasonable approach in the matter of financial spending.
The table below will help organize tips on how to get rich and remember them better:
| № | Advice | What to do | Result |
| 1 | Invest in your education | Learn new things and constantly develop new skills and abilities | New perspectives are opening up |
| 2 | Improve financial literacy | Learn to allocate financial resources effectively | Cash savings, increasing capital for investment |
| 3 | Develop abilities and talents | Improve and polish your strengths | Achievement the highest level professionalism in your business |
| 4 | Master time management | Learn to manage yourself wisely over time | Increased personal effectiveness |
| 5 | Build the Habits of the Rich | Learn from rich people, communicate with rich people directly or through books | Changing your thinking and view of the world around you |
Make following these tips a habit in your life and the results will not be long in coming.
5. Magic and wealth - is it possible to get rich with the help of magic?
In our opinion, resorting to magic is far from the best idea.
There is an ancient law that says: “You have to pay for everything in this life.” Therefore, at best, you will simply waste your time, and at worst, you understand...
In the end, let's put this dubious method aside. No amount of magic will help you get rich if a person is not internally ready to become a wealthy person.
Real magic is changing your own subconscious and thinking. This “magic” really works, and the good news is that it is available for free to everyone.
6. Movies and books that will help you get rich
Books, scientific works and a great many films devoted to this topic have been written and filmed.
We list the most relevant of them:
- "Secret"- Rhonda Byrne's book, which reveals the secrets of positive thinking and the materialization of our desires, there is also a popular film of the same name.
- "Rich dad, poor dad", author Robert Kiyosaki - a book about the benefits of self-improvement and working for yourself.
- "Reaching the Maximum", “Get Out of Your Comfort Zone” - books by Brian Tracy about ways to change your life.
- "My neighbor is a millionaire", authors – Thomas Stanley, William Danko.
- "Think and get rich"- the work of Napoleon Hill, a reference book for many people who became rich through their own efforts.
- "The Seven Habits of Highly Effective People"- a practical guide by Stephen Covey.
- "Billion Dollar Teen"- film directed by Songyos Sugmakanan
Try to apply the acquired knowledge in Everyday life: reading should carry practical benefit. Write down your own observations and conclusions regarding what you read - this will help you better understand the material.
7. Conclusion
Let's sum it up, friends. A person’s wealth is determined not so much by external as by internal circumstances. You can change your financial status only by making specific and focused efforts.
By acquiring the habits of rich people and changing your thinking, you let wealth and prosperity into your life.
It is possible to get rich from scratch, because as Bill Gates said, “A dollar can’t crawl between your butt and the sofa.”
And one more quote in conclusion:
“It is not the one who has little who is poor, but the one who has little.”
Folk wisdom
We look forward to your comments, advice and thoughts on this topic!
Welcome to my blog. Statistics say: one percent of people own half of the world's wealth. The remaining 99% are sure that getting rich requires only a little luck. But scientific research proves that there are habits of rich people that are formed in childhood and certainly lead their owners to success. So today we’ll talk about the habits of millionaires.
Thomas Corley spent five years studying the lifestyles of people whose annual income was $160,000 or more (and they made it themselves) and who owned assets worth $3.2 million or more. He came to the conclusion that wealthy people are similar in many ways. As a result, he wrote a book about how the habits of billionaires differ from the lifestyle of average workers.
The lucky ones who suddenly inherited a fortune or won a lottery jackpot, in most cases, spent all the money within a few years.
For example, Vivian Nicholson from the USA won $3 million in 1961. In comments to reporters, she said she would “spend, spend, spend.” It took her only five years - nothing was left of her rich life. She was widowed, remarried (five more times), became a drunk, tried to commit suicide several times and ended up in a mental hospital. Having spent all her funds, she remained single and lived the rest of her life on a pension of $300.
They say that money can change your life: unfortunately, both for the good and for the bad.
What habits of rich, strong and successful people helped them achieve and maintain prosperity?
Psychological research and questionnaires from Thomas Corley
The psychology of wealth and the habits of the rich is a topic of interest to many. Thus, American experts from Brown University conducted a large-scale study in this area. It took 5 years.
They observed the daily habits of 50 thousand families consisting of almost 150 thousand people. Analyzing the way people handle money, the pronounced biases of poor people have been revealed. The rich did not have these habits at all or tried to get rid of them. Heirs were not included in the study. The scientists included in the sample only those who achieved financial success on their own thanks to many years of habits.
The aforementioned Thomas Corley interviewed 233 rich and 128 poor people for his book “The Key to Success: The Daily Habits of Every Rich People.” It turned out that, indeed, the former have their own habits, which relate not to actions, but to attitude towards life.
Habits of wealthy people
So, after compiling several studies, I have compiled a list of the most important habits of "wealth" - the lifestyle of millionaires and billionaires.
They read a lot
The interests of rich people are not limited to just their career. They spend a lot of time on self-development, improving skills, so-called skills.
One of the important daily activities richest people planets call the habit of reading. This can be either scientific, professional, or fiction.
Playing sports
Sports is another important point that distinguishes the habits of the poor and the rich.
You will say that the poor simply do not have enough time for this. But, as scientists say, the habit of leading healthy image life and regular exercise can increase not only the amount of energy, but also stimulate mental activity.
Every day dedicate 15-30 minutes to reflection
The rich know what to accept right decisions It's important to stop and think. You can also plan your day over a cup of coffee in 15 minutes.
Get up early and go to bed early
It is not for nothing that it is said that whoever gets up early, God gives to him. The lives of billionaires prove this truth. So, early risers plan their time better and earn more.
But that doesn't mean you can't change your daily routine. Getting up and going to bed early is a habit you can accustom your body to.
Plan for the day, week, month, years
Planning is the key to success not only in business, but also in personal life.
Rich people often draw up a personal financial plan for decades in advance, and also set goals for the coming day, week, month. Often, a personal accountant is hired for this, who draws up a detailed document breaking down income, expenses, and investments.
It is also customary abroad to draw up pension funds in order to know exactly what savings you will have in 10, 20, 30 years.
Focus only on what is truly important
What is important is up to you to determine.
But setting priorities is not a luxury: anyone (not just the rich) can do it if they want. For example, most rich people, in addition to making money, are interested in sports, healthy eating, travel and take part in social activities. The poor, according to scientists, on the contrary, have a habit of not being interested in other areas besides everyday life.
Act quickly without delay
Don't put off until tomorrow what you can do today. This is a habit that contributes to financial success.
Being organized and understanding that your destiny and future rich life depends only on you will help you make quick decisions.
They pursue only their own goals and work only for themselves
I don’t mean pure selfishness, as you might think. It is important that rich people know how to focus on their desires and clearly set goals for their implementation. Many people strive to work for themselves, but only a few gain courage.
Set global goals
I'm not talking about taking over the planet (rich cartoon characters often have such habits). Poor people usually think about how to quickly escape from work and relax, what to do on the weekend, what purchases to make. The rich set global goals, for example, where they want to be in 10 years, what to do, what kind of people to surround themselves with. This is an obvious difference in mindset.
Doing what they love
If you like assembling a car engine in the garage, make it your business. History knows a lot of examples of billionaires who turned a hobby into their life’s work, became famous and earned a fortune, becoming rich people.
Looking for mentors
It's never too late to learn. Even if you are a professional, there will always be someone who knows and can do more. Seek guidance and don't be afraid of rejection. 93% of rich people have a personal mentor to whom they owe their success.
They know their worth
“I don’t sell myself, I buy myself” is one of the important principles of a rich person. He will never work for next to nothing, much less for free. Each work has its own market value - and you must know it exactly.
Have a positive outlook on life
Of course, wealth itself leads to positive thinking. But, turning to the stories of millionaires, one can trace a trend - even in moments of failure, they did not give up and continued to believe in their success and a rich life.
Don't follow the majority and think outside the box
Thomas Corley in his book says that rich people are not afraid to stand out from the crowd, although herd behavior is genetically embedded in us. Most rich people believe that creativity, not intelligence, is critical to achieving financial success, while just 11% of poor people agree.
Learn new things and improve themselves
Taking care of yourself is not just about going to beauty salons and the gym. Rich people regularly attend trainings, seminars and events that allow them to develop.
They value their time
And again the truism: “Time is money.” People who spend both wisely become successful. Make it a habit to appreciate every minute.
Take responsibility
Millionaires are not afraid to jump over their heads: for example, borrow more high position or take out a loan to get started own business. Although this will bring not only new responsibilities, but also responsibility for people or other people's money.
Help others become successful too
The rich are grateful for their position and are often ready to help people like them reach new heights. They do not have the habit of gloating over other people's failures; they will always lend a helping hand to less wealthy colleagues or friends.
They seek feedback and make new contacts
68% of rich people and only 11% of poor people say they love new acquaintances. This habit, research shows, correlates with respondents' belief that relationships are critical to business success.
In addition, rich study participants said the habit of liking new people was important. Although this must be learned if you do not have natural talent.
Spend time with other successful people
Yes, yes, the Masonic lodge is a reality for the rich and successful. They unite in closed groups and clubs based on interests. This allows you to establish new connections, which are so important for business. In addition, it has become a habit for many rich people to attend specialized events, various charity evenings, film festivals, and theater premieres.
See opportunities
One of the greatest investors of our time, Warren Buffett, who started out selling trash bags and delivering newspapers, once said: “The best investment opportunities arise when thriving companies suddenly find themselves in difficult situations.” It was the habit of seeing such opportunities and the courage to make innovative decisions that made Buffett a billionaire.
Invest
How do rich people behave to protect their capital from inflation? Rich people have a good habit of investing in risk-free or low-risk instruments:
- shares of reliable companies that regularly pay dividends;
- bonds;
- deposits;
- gold;
- gems;
- real estate;
- pension funds.
Always looking for additional sources of income (passive)
Even successful businessmen, owners of large businesses, have the habit of renting out their villas, apartments, offices, yachts and other property. And they are not shy about it. Financial instruments can also become a good source of passive income in a new, rich life.
Always spend less than you earn
Billionaires believe that it is important to spend less than you earn, that is, to save and accumulate capital. The poor are sure that they just need to earn more - and this has nothing to do with them.
Get into the habit of putting 1,000 rubles a month into a bank account and investing this money, for example, in mutual funds. In 10 years, pay for your children’s education or open your own business - it’s up to you.
Don't give up
If you haven't heard of Traf-O-Data, I'm not surprised. This is Bill Gates' first company. He invented a device that he could never sell to anyone. The venture was not successful, but it marked the beginning of the development of the first Microsoft product. Today, Gates' fortune is estimated at $92 billion. He learned a valuable lesson from his first experience and did not give up. This habit will not be superfluous for anyone.
Habits that keep the poor from getting rich
And now about the sad thing... what habits prevent 99% of the world's population from achieving success? How to become rich?
Self pity
Feeling sorry for yourself is a feeling that often arises even among the rich, but it can be overcome. Psychologists believe that this destructive emotion leads to negative thinking, self-doubt, anxiety and fear.
At first, pity may be mild in nature, associated with stress and external circumstances. But after some time, it no longer needs any excuses to grow. It will be fueled by negative feelings. Complaining will become a habit.
First of all, realize that only you are responsible for your life. Identify the reasons for self-pity and think about what to do to overcome unfavorable circumstances, resentment or injustice.
Doing things that don't bring you satisfaction
Sociologists say that a quarter of Russians are not satisfied with their jobs. Just over a third (37%) are satisfied with their salary. At the same time, 9% of respondents have 2 jobs, another 2% have three. Why do you need the habit of living without pleasure?
Think about what you dreamed of as a child. If you wanted, for example, to be a veterinarian - go volunteer at a dog shelter, fate itself will give you the opportunity to learn, earn money and get rich doing what you really like.
Whining and communicating with whiners
More than once I have watched office workers over a mug of coffee tell each other what a bad boss, job, and salary they have. Just think, this time can be spent usefully - discussing plans, attending a seminar or training, and ultimately looking for a new job.
Greed and stinginess
Uncle Scrooge, although he is the standard of a rich stingy man, does not reflect the truth of life.
Often it is poor people who spare money, and on the most important things, for example, education. To start self-development, you don’t have to spend money. Now there is plenty free online courses from leading universities in the world. Make it a habit to constantly study.
Beliefs that wealth is bad
And again folk wisdom: “It’s not money that spoils a person, but the lack of it.” The idea that being rich is bad is a remnant of the USSR. Nevertheless, officials could afford what an ordinary, not so rich citizen could not, and did not feel like villains. Now the system gives you the opportunity to earn as much as you want.
Short term thinking (here and now)
Live for today in modern world- unaffordable luxury. Poor people are united precisely by this harmful habit - running around vicious circle“home/work” and not even think about the near future.
A simple exercise - take a piece of paper and write down how much you want to earn in a month, a year, 5 years. Next to it, indicate what needs to be done for this. Stick it on the wall and get into the habit of looking at the recording every day.
Love of borrowed money
Credit, if it is not used to make money, is absolutely useless and sometimes even dangerous. Don't spend more than you earn.
Living beyond your means
Another problem of our time is that the market offers a huge selection of absolutely unnecessary goods, and advertising forces people to buy them. Moreover, a person does this out of habit, and not out of necessity.
Stop and think about whether you really need this gadget, car, suit or watch.
Obsession with money
Don't think about money. Think about what would make you happy and how to achieve it. And the money will definitely come a little later.
Comparing yourself to others
Comparison is not always bad, for example during sports competitions it determines the winner. But in life, the habit of comparing oneself with others most likely leads to envy, irritation and negativity, and this prevents one from achieving results.
It’s better to think about what experience to learn from a rich colleague or friend in order to get what you want.
Wasting time on entertainment
Business before pleasure. However, there are entertainments that, in addition to relaxation, can bring real benefits - sports, reading, attending various events, communicating with successful people. These are useful habits for a future rich life.
Fear of change
This is one of the strongest psychological factors. The fear of change is as natural for people as the fear of death. Why do we habitually fear new things?
The unusual order of things increases stress levels and creates a feeling of unpredictability and uncertainty. We can and should fight this. Psychologists advise identifying the factors that you influence, focusing on the result and going towards it.
Thank you for reading our article. I sincerely wish you all success and prosperity! Be rich! Subscribe to my blog and pages on social media, share with friends.
Correct goal setting and the habit of seeing things through to completion are essential qualities of rich people.
Scientists from the USA conducted a study of the habits of millionaires, which allowed them to draw interesting conclusions. It turned out that almost every rich person attributes his success in life to several habits acquired in the family or skills learned from a mentor. The average wealth of these 230 respondents is $4.1 million.
1. Multiple sources of profit
Income diversification helps to “stay afloat” in crisis situations, as well as reduce the sensitivity of a business to external circumstances. Troubles do not cause as much discomfort to rich people as to poor people; low-income people tend to dip their toes into one lake, and at the same time risk finding themselves in negative financial conditions if the source of money temporarily dries up or stops generating income altogether.
The rich, on the contrary, have several sources of income, which allows them to receive a stable income . As a rule, this is the main activity and additional sources of income.
Sources of additional income are:
- rental of real estate;
- mortgage investment trust;
- investments in shares;
- partial ownership of companies;
- investment financing;
- patents.
2. Dream – Goal – Realization
To achieve a goal, you need to dream about it, and only then realize it with the help of correct goal setting. A clear understanding of goals and a vision of your ideas is very important for someone who wants to become successful.
64% of the millionaires surveyed in the study said that they have been pursuing one dream all their lives.
55% of respondents set goals that corresponded to their dreams and desires.
When setting goals, you should consider several items from your wish list. To set a goal correctly, answer yourself two questions:
What should I participate in to make my dream come true? What specific actions do I need to take?
Will I be able to do what I set out to do? Are there enough skills and competencies for this?
If the answer to the second question is yes, the chosen activity will coincide with your desires.
3. Millionaires always use their time wisely
Most people associate financial investments with risks. At the same time, contributions can vary greatly - from financing a new enterprise to lending a certain amount of money. At the same time, for the rich, financial risks are not a key point, because money can always be earned.
At the same time, most millionaires fear a much more serious loss - wasting time. They understand that once faced with it, they will not be able to change anything. Time cannot be turned back, and hours wasted is a big step back.
Very often we do not value time; it seems that there is so much of it ahead. Therefore, we spend a lot of it on useless habits: watching TV, the Internet, social networks, lying on the sofa, etc.
68% of rich people spend no more than 40 minutes watching TV every day. At the same time, 61% spend no more than an hour online per day.
4. A millionaire has at least one successful mentor
92% of millionaires attribute their success and well-being to the presence and role of a mentor in their lives; 65% agree that the advice they received was a fundamental factor in achieving their goals.
Mentors bring so much more to the table than just making a positive difference in your life. They help achieve success with advice, talk about their mistakes, and share life experience. This helps a novice businessman avoid failures and painful lessons.
5. Successful people go all the way
The rich and successful are distinguished by the constancy of their goals. They do not give up ideas and desires, which over time become the meaning of life. They know what they are working for and do not allow themselves to give up.
28% of millionaires experienced a crushing failure at least once in their lives, but found the strength to move on. Success is persistence in achieving a goal.
9 habits that will help you become rich with a small salary
Receiving a large inheritance or high paying job, can move you into the top 1% of rich people. However, many people who receive the same salary differ in what they have been able to acquire over a long period. Some people bought a car, some didn’t, some are building a house, and some are drowning.
First, look at how much you spend on communication services, how many useless services you ordered or those that you can do without.
If you audit your spending on mobile phone, you will see that it is easy to save at least $3 per month. A small amount, but for a year it is $36, for 10 years $360. And if you audit all your expenses, and these are dozens of areas, then over 10 years some spend up to $10,000 or more on such trifles, and that’s already a car.
"If you look at the average amount of money you'll earn over your lifetime, most people earn over a million dollars during their working life, but very few people become millionaires," says Nancy Butler, a certified financial planner.
A lot of money slips through your fingers every day and unnoticed.
There are some rules that should become a habit that will help you save significant amounts of money and become richer within a few years.
1. Change your thinking
Having received a salary and paid obligatory payments (for example, for an apartment), the balance of the salary seems very meager.
Most people spend this entire balance on various purposes. Many people don’t save some money for a rainy day because they think it can be done later when financial position is stabilizing. However, change your thinking, no matter how difficult it is for you, set aside some money for a rainy day, even if it is only $10-20. Do not waste them under any circumstances - you should always have them, you will be calmer with them, and peace of mind will allow you to earn more.
2. Set realistic 5-year goals.
Financial experts recommend making a financial plan for five years. Determine the amount of money you want to collect in 5 years, for what purposes (for example, an advance payment for the purchase of real estate), and also determine intermediate results.
When there is a voiced and specific goal, you will potentially save and strive to earn more.
3. Set price limits
Is it possible to do without a designer bag or a fur coat for $1000? Set price limits for the things you need to buy. Jeans can be bought in a boutique, or at the market - the difference in price will be huge, with almost the same consumer quality.
Use heuristics (constraints) in your purchases. For example, do not buy a tracksuit that costs more than $35. This does not mean that you should eat 2 times a week or buy things at a second-hand store. However, restrictions and right choice places of purchase (including the Internet) will allow you to save significant amounts.
4. Live according to the “habits” of a rich person
For some, the image of a millionaire conjures up images of huge mansions and shiny Bentleys. But most millionaires do not live like this, they live modestly and it is this quality that allows them to actually be millionaires.
Dr. Thomas J. Stanley, co-author of The Millionaire Next Door: The Surprising Secrets of America's Rich, has conducted surveys and personal interviews with millionaires for more than two decades. Research data shows that most of Wealth in America is more often the result of hard work, diligent savings, and a frugal lifestyle.
Las Vegas, David Saper, who owns a successful automobile business, and his wife, who works as a real estate broker, have a combined income of $500,000 a year.
However, they only live on $2,500 a month, putting 90% of their income into savings and investments.
If you are 20-30 years old, retirement may seem like a distant reality, but this reality will come. Open a deposit in a large bank - replenish it.
Unfortunately, the later you start saving, the more you will have to save. But the sooner you waste your money, the more time it has to connect and grow. Deposit $100 and top it up with $10 every month. In 30 years, this account will have more than $3,600, not counting the %. You can spend this money on your health – for example, for holidays at resorts.
6. Conduct a bank account audit
7. Get out of debt
Every person has debt at some point in their life. But if you have bad debt—not student loans or a mortgage, but credit card debt—then you're paying high monthly interest rates.
Breaking the habit of being in debt should be priority number one.
Set a goal to get out of this debt completely within 36 months, or maybe sooner. This will allow you to use the interest for other purposes.
At the same time, things happen emergencies, such as car repair. Therefore, you need to make a calculation so that you can repay your credit debt, but you must also have cash available for force majeure. Once you pay off your credit card debt, make it a goal to only use it in emergencies.
8. Increase your income
There are two ways to increase your net worth: spend less or earn more money.
One suggestion: diversify your income streams with a second part-time job, doing what you can and love. This could be working on Saturdays in some other company, sorting, cleaning, washing.
9. Consider consulting with an expert
Even if you're doing everything you can to start making good money, contact a qualified financial planner to help you develop a strategy for your finances. However, this needs to be approached carefully and on a one-by-one basis.
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