home / Business/ “How to draw up a personal financial plan and how to implement it”, Vladimir Savenok. the term is to be transparent and real

“How to draw up a personal financial plan and how to implement it,” Vladimir Savenok. the term is to be transparent and real

Hello, dear readers, you are greeted by the authors of the business magazine HiterBober.ru Alexander Berezhnov and Vitaly Tsyganok.

Everyone wants to know how to become rich, but only a few become truly successful. Wealth is available to few and few are able to rise from scratch, without money and a good inheritance. Good news is that absolutely every person can change their life! And this is exactly what this article will discuss.

In it we will share our vision of this issue and tell you what exactly we do in order not to work for hire, but to run a business, create passive income and live the life of our dreams.

From the article you will learn:

How do rich people think and what beliefs block the path to prosperity?
How to become a rich person from scratch and what path people like Steve Jobs and George Soros took to achieve financial freedom?
What books and videos should you definitely study to change your way of thinking and start earning a lot in the very near future?

The most important thing is to understand that wealth and poverty are by no means innate human qualities.

Content

How the rich think - basic psychology
Iron principles of wealth
How to become rich and successful from scratch - 7 steps to wealth and prosperity
- Step 2: Find a mentor
- Step 6: Start Investing
- Step 7: Be patient
Workable Wealth Blueprints - 5 Proven Ways to Find Financial Freedom
Real stories of people who became rich on their own
How to start getting rich right now - useful videos and books
Conclusion

1. How the rich think - basic psychology

Let's first answer the main question, what is wealth and who is a rich person.

After all, everyone understands this in their own way.

For some, wealth is their own apartment, car and the opportunity to vacation abroad 2 times a year, but for others even a million dollars a month will not be enough.

Let's continue.

Probably the most accurate definition of wealth was given by Robert Kiyosaki, an American millionaire and writer. In his opinion:

Wealth is the amount of time you can spend not working while maintaining a comfortable standard of living.

A rich person is a citizen who has the opportunity not to work for money, but owns assets and receives enough passive income from them for himself. That is, income that does not depend on his labor efforts. Such people are also called “rentiers” - this is a person who lives on interest from his capital.

It turns out that wealth is measured not by money, but by TIME, since all people need different amounts of money, but life time is limited and it is not advisable to spend it on something that does not bring pleasure. Most people have a job they don’t like all the time, but it’s important to do what you love, because this is the only way to understand how to become rich and free from external circumstances.

Consider the following questions:

Why are some people able to make money and others not?
Why do some people work from morning to night and receive pennies, while others manage not only to work, doing what they love, but also to actively relax?
Why do some manage to attract financial luck, while others live from paycheck to paycheck or even in debt?

These questions are of interest to every person, but to most they seem rhetorical.

However, psychology experts will say that there is practically no rhetoric in these issues.

Poverty and wealth are not so much a matter of luck as of approach to life and way of thinking.

This doesn't mean that changing your thoughts will instantly make you a millionaire, but it will definitely help you start taking the right steps in that direction. One desire “I want” is, of course, not enough. Even the laziest people want to get rich. It is important not only to want, but also to try to put your desires into practice.

And if the treasured million no longer seems unattainable for you, then read this article about how to earn it and become a millionaire.

As you can see, any wealth guide insists on a change in thinking. Think like rich people and you will definitely become one. But what does this mean in practice? Changing your way of thinking is not easy - it’s not enough just to change your thoughts, you also need to transform your own behavior.

However, there is a difference between the thinking of the rich and the poor. Let's try to express this difference clearly.

13 differences in the thinking of rich and poor people:

Rich and wealthy people are confident that they are the creators of their own destiny, while poor people believe that they were destined to be poor. Such people continue to go with the flow, without even trying to change anything.

Advice: stop going with the flow - it's time to get out of the river and onto the shore!
Rich people work to increase their income, poor people work to make ends meet.
Rich people dream less and do more, although positive and clearly defined goals are not at all alien to wealthy people.
Rich people are always open to new ideas and opportunities, while poor people are fixated on their problems and surrounding circumstances.

If you are not satisfied with the circumstances of your life, change them!
The rich learn from successful people by adopting their behavior patterns and communicating with them. Poor people are more likely to associate with losers and even poorer people to improve their self-esteem. We have already written about how to increase self-esteem.
The wealthy and successful do not envy other people's successes, but try to extract useful experience from other people's achievements; the poor are outraged by the successes of others.
Rich people are confident and open about their successes.
The rich are not afraid of temporary difficulties, preferring not to panic in difficult situations, but to solve the problem pragmatically.
The rich view their income as the result of their own labor, the poor count the number of hours spent on work.
The rich can quickly change tactics, strategy, even the general direction of their activities and their entire lives. The poor complain, but continue to follow a path that is often chosen not even by them, but by life circumstances.
Wealthy and successful people continue to learn throughout their lives, developing and improving, while poor people believe that they are already smart enough, “they were just unlucky.”
Successful businessmen never stop once they reach a specific level - they continue to develop and improve, bringing their wildest plans and dreams to life.
Rich people think about money pragmatically and logically, not emotionally. The average person continues to have low level income, thinking about money and wealth at the emotional level, and a successful businessman looks at finance as a tool that opens up certain prospects for him.

And most importantly, the rich always work for themselves. Even if they do not own a firm or company, they always occupy a position that allows them to act independently and make their own decisions, rather than implementing someone else's ideas.

What matters is not where you are, but where you are going!

Thinking that you are working for someone else is a big mistake. Be independent in everything, especially in your own finances. Don't let other people manage your time and money. The best way Getting paid on time means paying yourself.

However, if you are reading this article, it means that you are already taking the first steps towards achieving expressed and obvious financial independence.

2. Iron principles of wealth

The main principles of wealth have many similarities with points regarding the characteristics of thinking. The basics of behavior for successful and rich people are not so much instructions as recommendations. Every wealthy person knows an individual recipe for success, which is not always suitable for others, but almost all successful people intuitively or consciously use identical behavior patterns in most life situations.

Rich people never blindly rely on the opinion of the majority: they do not act as the average individual would act in a particular situation. Successful people always have a non-trivial move in stock - this is what makes them successful.

Where most lose, the lucky person with positive thinking and creativity wins. The secrets of rich people lie, however, on the surface: the main thing is to use them correctly.

Habits of rich people

Pay attention to some habits common to most rich people:

Rich people always know what they will do today. Even if millionaires do not go to work, they use various services to plan their day, which helps to allocate time, and therefore finances, more efficiently.
Rich people rarely waste time on useless entertainment. They don’t watch TV, and if they read, it’s not fiction, but literature that helps them become even more developed, earn millions and become millionaires.
Wealthy people are able to devote themselves completely to work.
Successful people surround themselves with like-minded people - positive and successful businessmen, representatives of independent and creative professions.
The rich take care of their health and nutrition: they care about how they look and feel.
Wealthy citizens believe more in their own abilities than in abstract luck: for this reason, rich people rarely play the lottery. If they do gambling, then exclusively on a professional level.

Don't think that becoming a millionaire is easy or that being rich is easy and fun. The life of a wealthy person is daily work and an impressive amount of time spent. Another thing is that most rich people do what they love.

Find something you love and you'll never have to work

Confucius

In this regard, the life of representatives of creative professions looks especially attractive: they do what they like and what others like.

But not everyone can become popular and successful actors, writers and artists. Nevertheless, if you have talents and abilities, under no circumstances ignore them, do not “bury them in the ground,” but continue to develop them, even if at first it does not bring much income.

Creative abilities can be demonstrated in almost all areas of human activity.

The first rule for achieving success is to learn to love and appreciate your own work. If you perceive work as a necessary evil, and are used to spending weekends on the couch in front of the TV, then the path of wealth is not for you.

For results to appear, you need not only a creative, but also an active approach. At the same time, activities must also be done for a reason, but with a specific purpose. In this case, our goal is to achieve prosperity, prosperity and wealth.

Remember that greed and stinginess are human qualities that block the path to wealth. If you want to receive a lot, you must be able to give a lot.

Generosity of soul is a quality that every truly rich person possesses. At the same time, you need to be able to give not only money, but also time.

3. How to become rich and successful from scratch - 7 steps to wealth and prosperity

Now let’s move on to practice and start getting rich from today. Carefully study the 7 steps that will help you achieve wealth not in the distant, vague future, but in the very near future. However, we warn you that we are not talking about next week: becoming a truly financially independent person takes years.

Step 1. Decide to become rich and set a goal.

When you decide to become rich, you are choosing a different way of life and a different way of thinking.

From now on, you should not waste time: every step you take will be subordinated to a specific goal. This does not mean that your life will turn into hard labor: on the contrary, it will become full of creativity and original ways of behavior. Attracting money to yourself means becoming a professional in several areas of human activity at once, such as finance, marketing and interpersonal relationships.

Having decided to become a wealthy and successful person, you make a choice of your future life path - now you will no longer have time to complain about fate and look for the reasons for failures in the people around you. From now on, you will have to rely only on yourself and learn solely from your own mistakes. But your well-being will depend not on the whims of your superiors, but on your own skills and abilities.

Successful people think a lot and productively about their own goals. Thus, they participate in a process of continuous movement towards these goals: at the same time, the goals themselves begin to gradually move towards them. If you visualize your dreams and talk about them more often, you will be more likely to achieve more in life than the average person.

Billionaire business and personal performance coach Brian Tracy conducted a study on what rich people think about and found out what they think about the following two things:

What they want (i.e. their goals);

How to achieve this (that is, what to do to realize these goals).

If you want to get rich, become a millionaire and live the life of your dreams, you should ask yourself these 2 questions as often as possible. After all, talking about specific plans is more pleasant than complaining about a low salary and debts.

Step 2: Find a mentor

The second step is to find a mentor. Going towards a goal on your own is noble, but sometimes very tiring and time-consuming. After all, every outstanding athlete has a coach, so you should find such a coach.

A knowledgeable person will help you avoid common beginner mistakes and reduce their number. Making mistakes, of course, is useful, but it is better to do this at the very beginning of your “creative” path, when their consequences will not be as destructive as they may be in the future.

Step 3. Acquire the Habits of Rich People

We have already written above about the habits and behavior of rich people. Now you need to start following these tips to the letter. You can simply write down recommendations point by point and try to implement them at every opportunity.

For example: stop watching entertainment on TV from today or playing computer games. Start investing time in education, but not the kind that is given in schools and institutes. After all, it was precisely this kind of education that led most people to work until retirement for “pennies.”

Here we are talking more about self-education.

Read, watch videos and study such authors as Napoleon Hill, Brian Tracy, Robert Kiyosaki, Vladimir Dovgan, Alex Yanovsky, Bodo Schaefer, Anthony Robbins, Jim Rohn, Robin Sharma, Donald Trump.

At the same time, age does not play a role: today you can earn money and start your path to wealth without even leaving home (via the World Wide Web).

If you gain new knowledge and develop professional skills that are in demand in the modern “market”, then it does not matter how old you are - the only important thing is how you can apply this knowledge in practice.

Step 4: Change your environment and lifestyle

By creating your environment, you create yourself. Start communicating with successful and financially independent people, change your social circle.

After all, we turn into those with whom we communicate.

Tell me who your friend is and I will tell you who you are.

Folk wisdom

Stop complaining about life and talking with friends about bad luck, crises of all ages and problems with loans.

Communicate more: the wider the circle of your acquaintances, the greater the chances of achieving financial and life well-being.

Of course, every rich person always has a bunch of poor relatives and acquaintances who urgently need help or “help out”: you need to be able to fight off such acquaintances now, otherwise in the future they will deprive you of your money.

Step 5: Become financially literate

A personal financial plan is a financial strategy for your life, including your financial goals, for example, saving for a certain major purchase - an apartment, a car. Also, the financial plan necessarily includes an assessment of your current financial situation: the amount of earnings, loans, assets and liabilities.

A personal financial advisor will help you create a financial plan. This is a person who has already been able to independently achieve his financial goals through competent planning and systematic movement towards them.

Attention!

If you spend more than you receive, you are on your way to bankruptcy. Starting the path of a successful businessman, mobilize your strength and get rid of debts - especially those that have high interest rates. You also need to borrow money for successful projects wisely: many beginning businessmen went bankrupt due to excessive craving for loans.

Every businessman has a budget: you also need to create a budget, but you need to do it wisely. Keep records of income and expenses.

A real budget is created based on spending statistics for a certain time period.

Step 6: Start Investing

If you don't have money, time is an excellent resource for your first investment.

Invest time in knowledge that will help you understand how to become rich. So, from scratch, after a while you will be able to earn more every year and eventually gain financial freedom.

Having earned initial capital, try to use it wisely - start investing in successful projects, preferably your own. When investing in the future, do not forget about the present: remember that stinginess, greed and saving on your own health are unacceptable things.

Step 7: Be patient

Don't try to get "everything at once" right now. Learn to spend according to your income today, but don’t forget to set yourself more promising financial goals.

The path to freedom is not an easy thing, which is why less than 3% of the world's population achieve the desired well-being.

4. Working wealth schemes - 5 proven ways to achieve financial freedom

There are many stories of achieving wealth and real financial independence. Every wealthy person has found his own original way to achieve success. However, there are several work schemes that can provide a guaranteed income to anyone with the desire and ability to work for themselves.

Method 1: Create passive income

If you are unfamiliar with the concept of “passive income,” then it is too early for you to start an independent business. We give a definition: passive income is something that brings profit regardless of your daily participation in the project. Passive income is the most important part of financial independence.

Read about this type of income, its sources with real examples, in our article “How to create passive income.”

Typical examples of passive income:

Renting out an apartment;
Bank deposit (receipt of interest);
Dealing with securities (receiving dividends);
Creating a website and using it as a platform for advertising (this method is suitable for people who have a good understanding of how Internet technologies work);
Working as a distributor in the field of network marketing (this option is preferable for outgoing and sociable people).

Passive income allows you to earn income regardless of your main activity - theoretically, you can continue to go to work and receive a salary. Agree, such income will never be superfluous, even if it is only a few thousand rubles.

Method 2. Open your own business

Opening your own business is easier than it seems.

Of course, to create a real business, financial investments are necessary, but some types of ways to earn money allow you to start making a profit literally from scratch. For example, you can start selling, or rather, implementing, your own knowledge and skills via the Internet. Thousands of people are already doing this right this minute.

Method 3. Engage in mediation in large transactions

Becoming an intermediary in large financial transactions means receiving a certain percentage from each transaction performed, which, if you have large sums of money, can be very, very good. For example, by becoming a good real estate seller (realtor), you can earn from $5,000 per month.

Method 4. Create your own profitable website

Creating a website is how more and more people of all ages make money. In this case, it is not even necessary to create an expensive website from scratch. For example, the site HeatherBober.ru, which you are currently on, brings in more than $3,000 in passive income and is for us, its creators, an online business.

Method 5. Start making money online

Working via the Internet is an activity in which thousands of people participate right at this moment. There are a great many ways to make money online: on our resource we consider in detail the most effective and affordable options - from remote work and freelancing to information business.

5. Real stories of people who became rich on their own

There are a lot of stories of people who became financially prosperous on their own and from scratch without the help of parents or rich relatives. The most famous and revealing stories are those of Steve Jobs, George Soros, and Oprah Winfrey.

Steve Jobs is a man who became a pioneer of the era of IT technologies. We can say that Jobs created that information and digital world, in which we live now. Steve was the adopted child of parents with a very average annual income.

When Jobs entered university, he was hungry, lived with friends and often ate at the temple, since there was not enough money. Having dropped out of school, Steve became interested in creating computers and then selling them, founding the legendary Apple company with his partner Siv Wozniak.

George Soros is an American entrepreneur and financier who has created a network of charitable organizations. Born into a middle-income Jewish family. He began his career by working in a haberdashery factory, then worked as a traveling salesman. But his passion for finance and banking took its toll and after some time Soros got a job at a bank and became actively involved in stock exchange activities.

So in one night on the stock exchange he managed to earn about 2 billion dollars. He achieved his current position in society and financial security solely through his own intelligence and determination.

Oprah Winfrey is a television presenter, actress and producer. She was born into a poor African-American family. Became the first black female billionaire in history. Forbes magazine several times named her the most powerful woman on the planet. Life's difficulties on the path to success in the field of mass media only strengthened the character of this strong woman.

Oprah Winfrey often hosts the most famous American programs and is rumored to be one of the personal consultants of the US President.

As you can see, even a woman can achieve stunning success. If you are a woman and you are not afraid of competition with men on the path to wealth and career, we recommend studying the article “Business for Women.”

6. How to start getting rich right now - useful videos and books

Video from Channel 1 “10 Laws of Wealth”

In the video from Channel One you can familiarize yourself with the ten laws of wealth that will help you start getting rich right now and acquire the habits necessary for every wealthy and independent person:

Video by Robert Kiyosaki “How to become rich in 60 minutes”

The video instructions from Robert Kiyosaki “How to become rich in 60 minutes” contain real tips and recommendations for getting rich from an American entrepreneur, investor and writer:

Books that will help you get rich

There is a lot of useful literature on the issues of achieving financial well-being. However, the most revealing and interesting in this matter are, in our opinion, the following books:

1) Robert Kiyosaki “Rich Dad Poor Dad”

R. Kiyosaki's books have sold around the world with a total circulation of 26 million copies. Book "Rich Dad Poor Dad" - present tutorial for those who want to achieve wealth and financial success. The work will help everyone awaken the entrepreneur within themselves.

2) Napoleon Hill “Think and Grow Rich”

Think and Grow Rich is one of the best-selling books in the world. This text teaches not only entrepreneurship, but how to achieve success in any area of human activity, be it art, invention, teaching.

3) Bodo Schaefer “Mani, or the ABC of money.”

“Mani, or the ABC of Money” is a book by a successful businessman, speaker, consultant, and writer Bodo Schaefer. The works of this author have allowed many people to gain financial freedom, learn to manage their time and realize their inner potential.

7. Conclusion

So, now you know that you can become rich not only by being born into a billionaire family. Anyone who puts enough effort into it and spends a certain amount of time on realizing their dreams can achieve true financial well-being.

Remember that all rich people insist on gaining independent thinking and the ability to make their own decisions. The most important thing is to start moving in the right direction right now, stop complaining about life and start thinking creatively and positively.

We hope that our articles will help you learn not only how to become rich, but also how to properly manage your own potential in life. We wish you success in any financial endeavors!

Leave your comments below, ask your questions, share your opinion on the article, and of course, don’t forget to like!

P.S. Do you think it is possible to become rich from scratch? Share your opinions in the comments.

The famous conductor Valery Gergiev is a millionaire. The director of the Hermitage, Mikhail Piotrovsky, is a millionaire. The popularly beloved artist Oleg Tabakov is a millionaire... It is unlikely that when they entered the profession they thought about how to get rich. Money was “attracted” to success in the profession and being in demand among the viewer.

The role of Lady Luck in all these cases, we think, is also enormous. A lot of talented people in their field have vegetated and vegetated in obscurity and practical poverty. What does a person need to change the situation? How are money and psychology connected? What is the secret of rich and successful people? Is it all about luck or is a person the architect of his own happiness?

“The one who is lucky is lucky.” Increasing the likelihood of success

Relying on luck alone is like playing in a casino all your life: you can end up without your last shirt. Let us repeat, no one has canceled the role of Fortune, but if we do not create situations with our own hands in which we can be lucky, then the probability of success tends to absolute zero. The thing is elementary law probabilities: to find a treasure, you need to SEARCH for it, and not wait for it to appear on the threshold: it won’t. You weren't lucky the first time, the second time, the third time, you'll be lucky the tenth time. In the end, instead of the treasure, there will be something else, but also very valuable.

Putting aside the story of the treasure, let's turn to the story of finding a job. If you look for it, you will definitely find it. If you didn’t have any, at first any one will do, just to start earning money. And once you start doing this, you can look for more suitable options. The main thing is to be able to “handle” failures, or, more simply, to maintain presence of mind. Presence of spirit is the most important quality of any successful person. Failures and failures happen to everyone, but some get up and move on, while others drop out of the game.

Successful people create situations in which the likelihood of success is increased. They are not afraid to take risks, take responsibility, and are not lazy to think about their moves in advance, just as a good chess player thinks through combinations and the strategy of the future game as a whole.

A wealthy person created his own wealth. He did not expect favors from nature, society, the state or the Universe. If you earn little, then nothing will change until you yourself begin to change the situation. It is very possible that you will have to learn something in order to get additional income. For example, the same exchange trading on Forex. Competent traders make great money, verified by personal experience. Maybe this is your chance too?..

The Great Power of Deed

The secret of successful people is that they do Actions. With a capital “A,” Action is an action that should change the situation radically and involves other people, material resources, and ideas into its orbit. Common example The action is to “start life again.” Let's say, change your profession and place of residence. “Water does not flow under a lying stone,” our ancestors said, and they were absolutely right.

Often the Action itself is very simple and does not even require strong energy expenditure. And the effect of it can be truly enormous, when everything turns upside down and the balance of power on the “battlefield” changes dramatically.

Here we repeat that the probability of failure must be taken into account. It is the fear of failure that often blocks a person’s desire to take action. First: psychologically prepare for the worst case scenario. Second: “spread straws” for this worst option. Third: Having prepared for the worst, hope for the best.

The technology of the Deed is reminiscent of the preparation and conduct of combat operations. A good officer always remembers the possibility of failure of the operation and loss of personnel. But a good officer prepares for battle in such a way that, ideally, he preserves all the people and equipment, and calculates the options for defense and retreat.

Thus, Peter the Great, when founding St. Petersburg, decided to build the most modern fortress at that time for defense against the enemy. The fact is that the city was founded in a very dangerous place, and a Swedish attack was very likely. As a result, Petropavlovka never took part in hostilities, but in the event of aggression the enemy would be in great trouble.

The life of the first Russian emperor can be considered a model of how one should perform actions, defeat enemies and achieve success.

The price of success

Let’s be realistic: you can’t just learn to “attract money.” This is all mysticism, and there are no magnets that can enrich the owner. Whether wealth, fame, success is the result of enormous and hard work. Moreover, we are also powerfully influenced by the opinions of others, especially relatives, who may not understand or accept many of our decisions.

Taking a step towards success, we must leave our comfort zone! That’s it, there will be no more quiet evenings on the sofa watching TV, there will be no more hours-long “meetings” in in social networks. There will be a lot of work and learning new knowledge... You need to be prepared for this, otherwise there is no point in starting.

Rich, famous and powerful people have such a quality as the ability to “turn their face to the wind.” When the others hide in the hold of the ship, they take the helm into their own hands, not shying away from the hurricane, but looking straight into the eyes of danger. And danger gives way under the gaze of a strong man.

You don't go after a bear without a gun

To go out to sea, you need at least a boat. To kill a bear, you must first buy a gun and ammunition (and learn how to shoot). Of course, you can hope for luck and that you will be able to scare the animal with a stick...

A successful person always prepares for a project in advance and according to plan, collects resources, and only if they are available enters the game. One of the common reasons why many good endeavors fail is lack of preparation.

You cannot immediately gather significant resources to start a serious project. Do you have plans, do you have attractive goals? Make a plan right now, where to get it and what resources are needed to implement them? Start small. Is there an opportunity to lay the first stone in the foundation of success right now? Get started!

In our work, we are guided by the principle of the famous British businessman and billionaire Richard Branson: “To hell with everything, go ahead and do it!” Branson is the owner of the diversified Virgin corporation, which does everything: even space flights. Richard even has his own island, and he achieved all this himself. Branson was born into an ordinary lawyer’s family, and Fate intended him to have a quiet and typical life as a British lawyer. Branson refused this fate, and one can only envy his super-busy life.

Those who know how to count money become rich. If you can't tell how much this moment you have money in your pocket, correct yourself and learn to count everything down to the last penny. Money does not appear by magic. If you don’t count money, it means it’s a sin to think that it falls into your wallet from the sky. This position is good only in one case: if you are the son of an oligarch, and your dad will always “warm up” you with any amount, no matter what you want. But in this case, the real rich man is the oligarch dad, and not his son, who, in fact, spends other people’s money.

Financial control is the most important management function. The accounting department of a good enterprise works from morning to night on reporting, in which, as a result, a mosquito will not undermine its nose. Personal finance is no different from corporate finance (except quantitatively). A person who is unable to manage his own money is unable to manage anything in his life. Conversely, if someone manages his personal money well, he can, if he wants to, become a wealthy person (and most likely he is).

What is the first thought that comes to mind when you suddenly receive a significant amount (or expect to receive it). Are we talking about a win, a lucky break, or a bonus at work? Yes, that’s right, we think: “I’ll finally buy myself...” Then you can plug anything into the equation, from a new smartphone to jewelry or a car. Spontaneous purchases are, of course, acceptable, but you can’t deny yourself pleasures. But the core of the problem is that some people are prone to spontaneous spending, which they commit constantly. Thus, having received a significant amount, a person quickly gets rid of it, as if it “burns his hands,” instead of investing part of it in liquid assets.

Of course, good household appliances, a modern computer, and fashionable clothes should have a place. But a person who manages money competently buys all this as planned when he understands that he will not “run out of money.” By the way, many truly rich people (at least in Europe and the USA) are modest and do not hesitate to attend sales, purchasing clothes and other things at discounted prices.

Such was, for example, the brilliant manager, the famous manager of the Ford Corporation and then the Chrysler Company, Lido Anthony Iacocca. He is known throughout the world for his book “Manager’s Career,” which we recommend reading to anyone who wants to learn how to manage finances and their own lives in general.

Forget about problems! No, really forget about problems, since there is no such thing. At least for someone who thinks like a successful person. For a successful person in life there are no problems, but only tasks. Do you feel the difference? It’s all very simple: you need to be more calm and thorough in many matters, and not let your feelings take precedence over your reason. A problem is a task loaded negative emotions– psychologists say, and this is absolutely true.

What is the difference between drivers who have many years of accident-free experience? First of all, calmness behind the wheel and unhurried driving style. The basis of their philosophy is the famous “three Ds”, that is, “give way to the fool.” Let him fly towards an accident. In principle, you can get to know a person very quickly: just watch how he drives a car in difficult road conditions. And it’s true that life is often compared to the road. For a successful person, his path is a winding multi-lane highway filled with a variety of cars. Here you need to be able to calmly maneuver in order to get to your goal healthy and mentally balanced.

Be healthy!

Rich people care about their own health. There have been exceptions in history, but as a rule, to make capital, you need good health: physical and psychological. Do not neglect preventive examinations from good doctors, give yourself as much physical activity as possible, eat well, find time for proper rest, as well as hobbies and rational leisure.

These tips have been repeated thousands of times in business literature, but they are still stubbornly ignored, paying for success with illness. We must remember that the main thing is the goal, not the process, and it would be good to have time to enjoy the achieved goal. Think about your health.

What to do if your health is not very good, and psychological problems stopping you from changing something in your life? Getting rid of problems, even gradually, is your first small step towards personal success. There will always be resources to make a key movement that will trigger an avalanche of further effective actions. The most microscopic opportunity we have created contains within itself the “genes” of enormous future prospects.

How changing his attitude towards money helped him achieve financial stability. He grew up in a poor family, often not knowing whether they would be able to pay the rent or whether they would be left on the street at the end of the month. He had to watch relatives and friends quarrel over money.

He now owns his own business and no longer lives paycheck to paycheck. He didn't become a millionaire, but he reached the point where he doesn't have to think about finances all the time. Kim shared the advice he would give to himself at 18. Perhaps it will be useful to you too.

Money is a tool that allows me to do what I love. I don't consider them an end in themselves. Now I don't need more money. But I continue to work and earn money to help my family and loved ones.

1. If you convince yourself that you need something, don’t buy it.

One of the biggest financial mistakes is buying things you don't need. We often do this: we buy new clothes, a phone or a computer, just to keep up with others and feel fashionable. But most of these things are for us.

When something is really needed, you know it right away. If you have to convince yourself before buying, don't buy this thing.

2. Don't buy the first models

When you see a new car model, camera or smartphone, do not rush to buy it. Wait for the next version: it will not have the problems and shortcomings that plague the first versions. You will save yourself from unnecessary headaches.

3. Don’t skimp on what makes you happy.

Money can buy happiness if you spend it on experiences and things that are meaningful to you. If they delight, inspire and motivate, they are a necessary investment in your well-being.

Just remember that pleasure from things passes faster than from impressions.

Within two weeks we get used to new things and stop noticing them. The impressions last much longer. They can be relived mentally. Plus, they help us grow and develop new skills.

4. Earn more and spend less

Many people start spending more after a salary increase. They buy an expensive car, travel more often and eat in cafes. As a result, they do not become richer, but remain at approximately the same level of income. But if you earn more and spend less, there will be free funds left. They can be deposited into an account or invested.

Think about how you could earn more: take on additional responsibilities at your current job, find a part-time job, do... Then think about how to spend less. For example, cook at home and go to cafes less often. Spend less on clothes. Sell your car and use public transport. Don't chase fashion trends. Use the remaining funds to pay off debts or save for something.

5. Never go into debt

No matter how rich you are, if you are in debt, you are a slave to the banking system. To pay them and maintain the required standard of living, you will have to work. Perhaps in a job you don't like.

Therefore, never take on debt. If you are thinking about opening your own business or creating some kind of project, but for this you need to go into debt, put this idea aside. Start only when you can pay all the expenses yourself. This way you take less risk. And the lack of funds forces us to look for a creative approach to problems.

6. Learn not to want more of what you already have.

Being rich does not mean having everything you can. Real wealth is when you don't need anything other than what you already have.

And a billionaire can be poor if he constantly needs more and more. He may own real estate all over the world, but if his friend has a private spaceship, he will still be jealous.

We feel like we are lacking something when we compare ourselves to people around us. Instead, compare yourself to those who are poorer. Then your current lifestyle will seem sufficient to you.

7. Look not for perfect, but for good enough.

We always strive for the ideal, we want to have the best. But think about it, do you really need the best car, the most powerful smartphone or an apartment in the most respectable area? Maybe what you have now is enough?

Try not using the phrase “best” for a month. See how your shopping habits change and how much money you save.

8. Don't buy too many things from the same category.

Life is much easier if you have one phone, one computer, one pair of casual shoes. In clothing, you can limit yourself to one type of trousers, shirts, socks. You'll make fewer decisions, worry less, and spend less money.

Look at your things and think, what 10% of them do you use 90% of the time? Try. Sell, donate, or throw away excess items. You will feel relieved and will be able to devote more attention and energy to important things.

9. When choosing a product, be guided by a lower price

The brain clings to the first price you saw. Then you choose the product in comparison to this price. If at first you were offered a camera for 50 thousand, and then for 30, the second one will seem like a good buy to you. Although, perhaps, you would be satisfied with a camera for 15 thousand.

To spend less, look at lower-priced items first. The others will seem more expensive in comparison. As a result, you will settle on an acceptable option and not spend too much.

10. Change your environment to consume less

Our environment influences how much we consume. When everyone around you frequently changes gadgets and cars, buys new clothes and dine out, it will be difficult for you to resist. If you want to spend less and live more modestly, try changing your environment. Naturally, it is not always possible to move to another area or city. But you can change your lifestyle. Go to shopping centers less often and avoid anything that makes you want to buy something.

11. Avoid advertising

We don't even notice how advertising changes our idea of a product, making us want it. Avoid it at all costs. Don't watch TV, don't read magazines, turn on an ad blocker in your browser. Unsubscribe from mailings. Buy paid versions of applications to disable advertising.

12. Remember: the more money, the more problems.

Money is desirable up to a certain point. When they have enough to pay for housing, save some money and not worry, more income will no longer make you happier. As income increases, so does stress. You have to worry about the tax authorities, about bad investments, about greedy relatives who ask for money and are secretly waiting for your death.

The same applies to things. For example, the larger your house, the more worries you have: you need to clean a larger area, buy more furniture, and repair and change more things. Therefore, when considering a purchase, consider these hidden disadvantages of owning a new thing.

13. Invest in your development

The most important thing to invest in is not the stock market, but yourself. They will help with this. Most often, a book is a distillation of the author’s ideas over several years or even a lifetime. This is an opportunity to learn about the lessons the other person has learned and apply them to your benefit.

The more you invest in expanding your knowledge, finding new ideas, and developing your creativity, the more benefits you will receive.

If you get at least one new idea from the book that inspires you, then you've got your money's worth.

14. Ensure your own financial stability before helping others.

If you have difficulty with money, do not lend it to anyone - even a family member. You will worsen your situation and, in addition, ruin your relationship.

It is better not to lend money to friends and family at all. If you want to help, give them free of charge. This is the only way to maintain a good relationship. But help when your own financial situation is stable.

15. Don't invest in stocks

You won't get rich with them. Professional traders often act at random. But it's not only that. Even if the value of your shares increases by 30%, the profit from this will not compare with the benefit from. Having acquired new skills, after a while you will earn more.

Think about how such investments will help you get rich. Maybe you should take some courses, sign up for a seminar, or start your own business.

16. Don't take unnecessary risks

It is believed that entrepreneurs like to take risks just for the sake of taking risks, but this is not true. Good businessmen carefully consider their actions and avoid situations in which they could lose all their capital.

If you're looking to start a business or invest in anything, don't forget that you can always fail. Prepare for this and make sure you don't lose all your funds.

17. Strive not for wealth, but for not going broke.

If you are a business owner, focus not on how to increase profits, but on how to avoid going bankrupt. If you are an employee of a company, think about how to remain relevant. For example, you can acquire new skills or expand your responsibilities.

18. Mentally exaggerate your expenses and underestimate your income.

Very easy. We often look at the world through rose-colored glasses, overestimate ourselves and underestimate problems. Imagine you are poorer than you are and cut your expenses. This will help you spend less and gradually accumulate funds.

19. Don't buy the most expensive things

A thing that costs 1,000 rubles will not make you ten times happier than a thing that costs 100. It seems that expensive goods bring more happiness, but it does not depend on the amount of money spent. There is a certain amount after which the pleasure from shopping no longer grows. It is different for everyone. Find this middle ground for yourself and don’t spend more.

Don't forget that pleasures also become boring. Especially the joys associated with food, sex, travel and shopping. Over time, they cease to create strong sensations, no matter how much you pay for them. Therefore, spending more and more money on things simply does not make sense.

20. “Think like a rich man, dress like a poor man.”

Andy Warhol said so. Wear basic clothes, drive a regular car, choose practical items. Those who ostentatiously wear products from expensive brands often, on the contrary, have no money and live in debt. They are simply not confident in themselves and want to attract attention through expensive things.

Be rich inside. Remember that you have everything you need. Think less about shopping. Spend more time and energy creating something important.

21. Live more modestly than your income allows

We get used to new things after two weeks. No matter how expensive they are, they no longer make us happy, because they become ordinary. Try to also get used to a more modest lifestyle.

Buy a cheaper item, even if you have enough for an expensive one. Buy - inexpensive ones are equivalent to original medicines. In a cafe, choose the cheapest coffee or the simplest dish. Over time, this will become a habit.

22. Don't get hung up on brands

When you look at a thing, think not about the brand or the price, but about what it essentially is. Lexus is just an expensive Toyota Camry. Filet mignon is just a part of a cow's carcass, and expensive wine is fermented grape juice. The new smartphone is just a piece of metal with a touchscreen. A branded suit is pieces of fabric sewn by some minimum wage worker.

Constantly reduce the value of such things in your eyes. Then they will become less attractive to you.

23. Don't give all your money to investments

If 99% of your funds are invested in real estate, you are deprived of financial freedom. In an unforeseen situation, you will not be able to pay and will have to borrow. Try to always have available funds that can be quickly withdrawn from your account. This is also useful in case a profitable opportunity to invest them arises.

24. Don’t buy anything that you can’t pay for without loans.

We are too optimistic about our capabilities. We think we can pay it off quickly. But debts accumulate like a snowball. The more of them, the more firmly you fall into slavery to the banking system. If you still want to use a credit card to receive bonuses, buy only what you could pay for without loans.

25. Don’t sell yourself short when you charge for your services.

Value yourself. If you're an entrepreneur or freelancer, charge a little more for your services than you think you deserve. You may lose a few clients, but you will make more profit in the long run.

Of course, when you're just starting out, you can't ask for too much. To gain experience, work for free for a while. But then charge higher than average fees for services. If you settle for average pay, you will always have to somehow make ends meet.

26. In your free time, work on what you love.

Many people want to quit their office jobs and do what they love: becoming a photographer, traveler or writer. Don't do this unless you are financially stable. Live on income from your main job and work in free time.

Get up an hour earlier, use your lunch break, do something useful in the evening instead of watching TV shows. When is the money from extra work enough to pay the bills, you can leave the boring company. But always have emergency funds and a backup plan ready. You may have to live with your parents again or return to your old job.

27. Think about what else you can buy with the money you are going to spend.

Usually, when purchasing, we compare only items of the same category. For example, smartphones from different manufacturers. But maybe instead of a new cool phone it’s better to go to interesting trip? Or invest in your education? Or pay off part of the debt?

28. Imagine how you will feel about the purchase in 5–10 years

Look at things realistically. Any purchase will lose its presentable appearance in 5–10 years. This is especially true for cars. It’s better not to chase fashion, but to count on the long term.

29. Don’t forget that money itself has no value.

In essence, money is just paper. Even precious metals are nothing special - they're just shiny stones. Think about why they are important to you. Perhaps they give you a sense of stability or symbolize success. Define what money means to you. For example, strength, absence of pain, the ability to do what you want.

Don't take money too seriously. And don’t forget about truly valuable things: relationships with loved ones, important work, gratitude.

30. Don't become a slave to money

Money is neither good nor bad - it is just a tool. We decide for ourselves what to use them for. Think about how they affect your life. What do you need money for? What joys and worries can they bring? How can money help you and others? And can they ruin your life?

Provide yourself with everything you need for life. As soon as you have enough money for this, spend time and energy on your development. And then do something useful and help others.

Our world remains material, no matter what the importance of the human soul and its aspirations, so the question of how to become rich from scratch worries not only students, but people of all ages. Young people who are starting an independent life without parental capital and passive income, as well as people of the older generation who have worked quite hard, but have not accumulated sufficient wealth - all are united by the need not to advance the existing level, but to create at least some.

A person’s psychological attitude towards money, the presence of certain attitudes and even generic programs have a significant impact on the level of the condition. The attitude can be completely different, but still lead to pathological conditions. So those who attach too much importance to money, consider it the only important category in the world, create an excessive amount of attention in one area, without noticing the rest.

Others may despise big money (those who have been taught that it is life-threatening or vicious), or fear it (due to grandmothers' stories about how the latter was taken away, and for large savings they could be sent to hard labor). In either scenario, money is given excessive importance, while other areas fade away. The problem is that wealth is only energy and the equivalent of freedom; it is necessary in order to realize other aspects of life that are missing when there is excessive attention to the topic of money.

To understand how the poor can become rich, you need to learn to balance your own needs and expectations with reality. So many people do not make attempts and actions in the direction of making small profits or simply earning additional income for a constant fee, expecting exceptionally large offers or looking for ways to get rich immediately. Required psychological readiness to receive large sums, because otherwise a person does not have the skills to keep them, and large sums that fell suddenly were spent by them in vain.

How did the rich get rich? A gradual increase in income is the main principle of wealth formation, and it is also useless to immediately start looking for passive income, because there is no understanding of how everything works inside; you can switch to it only after achieving a certain stable level of financial independence.

Many exclude the principle of saving, guided by the advice of the rich about the need to buy expensive products and please themselves. Expensive products should be so not because of their VIP status, but because of their quality, and then this is a saving (for example, boots that are half the price will last eight years less). The question of pleasing oneself, especially for successes, is often understood as material rewards, but when working on the topic of increasing one’s own level of wealth, it is important to find rewards from the non-material sphere in order to expand one’s life platform. This could very well be a walk or helping at a shelter, reading a book or taking a nap at lunchtime.

Becoming rich and successful from scratch is the dream of many, so people read biographies, interviews and advice from those who are an example for them either financially or as a successful person. Always worth evaluating First level and development conditions. Everyone remembers that Bill Gates dropped out of college and went to earn money differently; he dropped out of an extremely prestigious institution, having previously proven his extraordinary abilities during the selection process. Accordingly, if you are in a place where there is only one educational institution– it’s stupid to give it up; on the contrary, you should sign up for many additional courses and increase your level of knowledge tirelessly.

Instructions

Any path aimed at a specific goal can be broken down into components, and since many people have already achieved wealth, there are certain universal instructions for how to become rich from scratch. It is quite conventional and involves creative processing, but it contains fundamental principles. Before you start moving, you should determine your own wealth parameters.

There are approaches to a personal understanding of this state, and everyone can choose the appropriate one or synthesize their own, starting from those proposed. Wealth can be a static category and represent a certain amount, the presence of which is freely available to a person.

In this context, the achievement strategy will be reduced to capital accumulation. If, in a person’s understanding, material wealth is a more dynamic category and is measured in monthly or annual income, then the main emphasis in development should be on organizing new passive sources.

There is another category where there are no designated amounts, but there are elements that determine life - circle of acquaintances, trips, type of transport. That is, it is not the amount of money that matters, but a person needs a rich lifestyle - this is most of all about freedom and you can get a similar feeling using many creative approaches, even to the point of not working yourself, but getting everything you need.

After defining the concept and goals, it is necessary to draw up daily plans for achievement. This could be a personal success diary, where the goals set and achieved are entered, as well as a program for changing one’s personality and reorganizing the financial sector. Ideas for change can be taken by analyzing the lives and activities of richer people, listening to the advice of economists regarding market prospects.

All your professional changes must be correlated not only with upcoming trends, but also with uniqueness in mind - remember that people give money for something new, individual.

Regarding your own personality, it is necessary to develop a plan for developing habits of wealth and saving - this is a difficult process that requires personal correction. Any such changes take a long time, so don’t rush to reap the benefits, but do a thorough analysis of which strategies are profitable, which habits are easier to form, and which are dragging you to the bottom.

Use systems for adjusting your own budget, and start saving and saving money. Make it a rule to plan all expenses, make lists of expenses and think about where you can reduce them (even if it’s installing meters and buying a travel card - in the end, such actions can lead to the possibility of investing money).

Savings should be based on the principles of reasonable distribution and control of spending. The moment of saving money is an interesting psychological factor from two points of view. Initially, the desire to spend the amount received is so strong that it is spent on all sorts of insignificant things that may even be thrown away, but if you take a break, many purchases can be avoided. And the second point is that regularly saving a small amount of money from each income allows you to collect good start-up capital or make a significant purchase.

Control your own spending and minimize unnecessary spending. Excess food, which is subsequently thrown into the trash or on your own, bad habits, which constitute a large expense item and increase the cost of medicine, eating in restaurants instead of cooking yourself. All these points at the end of the month can make a fairly noticeable difference in the budget.

Give up loans and borrowings and start investing of any kind. This could be shares, real estate, your own business or education. Any investment of money that works for you is the basis of wealth in the future, since it creates a platform for independent income - in some cases it is additional features or insurance, in others it can already become an independent main source, in which direct work can be done for pleasure or only in selected projects.

Success does not lie in the amount of money received, because when people receive a high regular salary, they continue to consider themselves , while for another such sums would be enough for a comfortable organization of their whole life. Successful people easily become rich, but not all rich people are guaranteed success. And it’s not just about understanding how to handle cash flows, but also the perception of your position and aspirations.

It is important to develop your own personal strategy for success, instead of following generic messages. Naturally, if all your forefathers were good at making money, then you should listen to their parting words, but if the family lives beyond the threshold of the average level, but at the same time carefully honors the behests of their grandfathers, then you should be the first to break them and finally enter a new level. There is no point in repeating something that did not work several times - it will not start working, you just need to look for other options.

Having chosen your path, remain calm and do not expect instant results - in most cases, it is haste that causes people to make mistakes and rash actions that lead to collapse. Start by paying off debts and gradually building investments - this is the base of wealth. It is impossible to consider yourself free and successful if you owe the entire amount - it is not your money. It is also impossible to talk about financial independence by constantly working for someone, since you are completely dependent on a person or company and cannot increase your material level relatively own needs or existing desires.

At typical mistakes or choosing the wrong strategy, your own mentor can help. Regarding your psychological blocks, you should work with a psychologist; a coach will help you create an effective strategy and motivation along this path. It is better to discuss the formation of a new economy with economists, and consult with accountants about budget calculations. You can't be good in all areas at once, this ability to ask for help and surround yourself with specialists will help you move quickly, making minimal amount errors.

Change your environment not only professionally, but also personally. Examples of wealth from books and screens are good, but having real acquaintances with high level prosperity can change the system of self-perception and the entire approach to earning money. Especially if these people sympathize with you, then you can get a lot (no, they won’t shower you with gold and won’t even give you loans) - advice, pointing out mistakes, inspiration and criticism.

Eliminate those who complain and do nothing - life is hard for everyone, everyone is in the same country with the same laws, only some prefer to get up and get down to business, while others waste their time resources listing troubles. Such pastime is addictive, but it does not lead to anything other than depression, so surround yourself with active and striving people - they will be your inspiration.

Look for ways to earn extra income - from investing money and creating your own business, to additional freelancing work. Try to translate all your activities into pay based on your time and effort, rather than a rate that doesn't change based on results. By the way, an official job with low wages and low requirements can be used not as a place for tea, but as organized space to complete additional orders online.

Remember that the money you earn is needed for further development, and not providing a luxurious life for a couple of years. This means that with your first million you are not buying an airplane, but a small business. You don’t celebrate your first successful deal with a party and a car or investing in stocks. Even if you save a few hundred a month, spend it not on red lipstick, but on paying off debt or installing a meter to increase savings in the future.

How the rich think

It is not connections, the start given by parents or the education received that help a person become rich, but a certain style of thinking and constructing one’s behavior. Such people have a very developed sense of healthy selfishness, when there is no desire to save everyone and help everyone in need (give money for alms to everyone asking, for example), but everything is focused on improving their lives.

Some begin to condemn this approach without getting to the deeper point that the only way to truly help others is to be okay. By giving your last money, you doom yourself to hunger and do not greatly improve the life of the person to whom you gave a penny, but if you save this money several times, then in the end you can invest it in going to a conference that will develop you as a professional and then you can organize a shelter for the homeless. But this is possible only on the condition that everything is more than fine with you.

Waiting for random big money, unexpected wins and other things where material benefits come to a person without difficulty and in large quantities, is an element of the immature psyche.

All rich people think in terms of action, rather than waiting and hoping for chance, although they rejoice at this confluence of events. At the same time, people who achieve success are accustomed to spending their actions on very specific things that bring benefits. They are deprived of stereotypes that education will somehow help them in life, so they often do not have university degrees. But they invest their money in paid, highly specialized courses, where they actually acquire specific skills that are unique and useful. This goes against the concept of a poor person wasting time getting unnecessary and formal certifications or doing meaningless work that does nothing to advance him as a professional.

The rich have always had an emotional attitude towards money. So, if poor people dream of money, imagining their material dreams fulfilled, immersed in fantasizing the desired benefits, then successful people look at money solely as a tool. There is practically no emotion, just dry logic and how best to use the available tool (you don’t think about the red hammer when nailing a painting, you think about the composition of the entire room and where it is best to place a masterpiece of art).

The absence of such an obsession with material things is also evident in other areas; rich people are always busy with their hobbies, and develop them at a fairly high, if not professional, level of development. When receiving a new level of income, the first thing a successful person will think about is options for profitable investments or redistribution of assets to create a new direction.

The focus on action and development makes the life of truly successful people sometimes surprising to ordinary people - they do not swim in golden pools and use public transport, in short, they lead a more modest lifestyle than they can really afford. This is another feature that distinguishes a successful person - the main thing for him is internal development and aspiration, and not externally ostentatious success. They also get joy from their activities, even if they were not paid for it. It is this kind of inspired passion that makes a person a unique specialist, an innovator and leads, as in modern society progress is valued above all else.

How to become successful and rich without having anything is a dilemma that every thinking person, trying to overcome the shackles of social inequality and labor slavery, thinks about at least once throughout his life. Most of us think that without a prestigious education, wealthy relatives, and useful connections, it is impossible to achieve prosperity. However, the psychology of money says quite the opposite - every average person with business acumen and perseverance can become successful and rich. It is enough to adhere to a certain scheme and sequence of actions in your actions.

How to become successful and rich without having anything to start with - this is the right question that became the starting point for those who made their multimillion-dollar fortune from scratch. Having studied dozens of thematic books, webinars and trainings on the psychology of money and wealth, written by financial geniuses, I have prepared for you a concentrate of useful advice from millionaires who have already changed my thinking, attitude towards money and are transforming my life for the better every day.

How an ordinary person can get rich in Russia: 8 principles that will change your life

Here are basic millionaire tips on how to become rich:

Make a decision for yourself to become successful and rich. It is with intention that wealth begins - that is why it is so important to make this decision for yourself and begin the path to success and prosperity, becoming a successful and wealthy person.
Make a plan and write down your own goals in it. Thus, the difference between the rich and successful and ordinary people is that their life path is planned for many years in advance. They know very well what they will be doing in the next 1, 3, 5 or 10 years. Therefore, make such a plan for yourself, even if not for 10 years in advance, but for 1-3 years - definitely. This will expand the horizons of your vision.
Look for a role model. You shouldn’t go to wealth alone, without seeing the light at the end of the tunnel - so study the ratings of the rich and successful and choose a role model for yourself. Read articles and books about the paths to success of successful people, watch films and programs, look for a mentor.
Instill habits in yourself, think like a successful and rich person. If you have previously defined your ideal and role model for yourself, study his habits and the way of thinking of a successful person, implement them in your everyday life. You should not act from the position of sacrifice and despondency, hopelessness - you are the creator of your destiny and prosperity.
Be sure to reconsider your own social circle - protect yourself from people who are always complaining and whining, condemning everyone and themselves. Such obstacles should not stand in your way - despondency is contagious and it is worth getting rid of it.
Take care of improving your own financial literacy– in practice, it is important to be able to manage money wisely. In this regard, financiers recommend saving 10% of each of your income - this is how you form your emergency reserve, which will work for you in the future. It is also important to get rid of debts - from each amount earned, count 5th part towards repayment of loan debt. You should not get into new debts - this liability will always take away your energy and strength, and most importantly, your personal funds. Read more financial literature, learn to plan by attending master classes and trainings. If your wife can handle this practice, seek help from a professional, a financial advisor who can draw up a plan for you, taking into account your needs, financial assets, and financial situation, taking into account all factors.
If you have accumulated money, it should not lie like a dead weight under your pillow. Your money should generate income - those who save for a rainy day most often lose it. Analyze the investment market, choose an urgent project where you can invest money, and with the right investment, you will receive constant passive income at your disposal.
And the diamond rule is to be patient and never give up. Even the rich and famous started their journey from scratch, faced and overcame obstacles and many difficulties. Never expect quick, immediate success - wealth is long and painstaking work.

Watch a useful video by business consultant, entrepreneur and investor N. Mroczkowski “Secrets of money that are not customary to talk about”

How to become a very rich person: 9 golden rules

How to get out of poverty and become rich? The rich and successful differ from the poor not only in their level of wealth - thinking and approach to money determines their success.

Value your own time and never waste opportunities.
Do something from which you receive not only income, but also pleasure. It is precisely this attitude - elevating a favorite activity to the rank of a source of income - that distinguishes the successful and rich from the ordinary person.
Cut off all unsolicited advice. Take into account the opinions of those people whom you sincerely respect and consider to be indisputable experts in their field. You should not take into account the advice of a person who has not achieved success or earns less than you.
Develop your own communication skills and communication skills, capture ideas and take full responsibility for your life into your own hands.
Make it a rule to rest actively and monitor your own health.
Train yourself to keep a budget and get out of your own comfort zone - this will allow you to develop.
Be sure to start doing something you haven’t done before, fight your fears - just write them down in the form of a list. Figure out what you can do and what someone else can do.
Continuously learn something new - this will allow you to develop internally and move upward to wealth and financial prosperity.
Accept with gratitude and overcome all trials with enthusiasm, develop not greed, but generosity.

How to get rich quickly and wisely? They will help you with this useful tips great people who managed to make a fortune and achieve financial freedom:

Keep your own plans and projects to yourself, and if you have outlined your path, have the strength to defend your own position.
Live according to your money - you know exactly what you can afford and what you will have to give up. You shouldn’t fall into the poor man’s syndrome and take on debt to buy a car or a newfangled gadget.
You shouldn’t elevate money to a special cult of a deity - it’s not the most important thing in life.
Learn to accept money from a variety of sources and learn to believe in yourself and your strengths, while not forgetting about other aspects of life - recreation and family, friends.
Gradually form your passive sources of income - by investing them in one or another project, by investing, you make them work for you.
Don’t be afraid of mistakes - there’s nothing wrong with that, otherwise it’s an excellent source of experience and life wisdom that allows you to draw a conclusion and guide you on the true path of success.
Work on your own self-esteem and if you live from paycheck to paycheck, think about whether everything is so good for you?
Always try something new in your life, introduce new methods and schemes for earning money - innovation is the path to success.

21 secrets to the success of millionaires in a video from Brian Tracy

The magic of money: how to become rich, the energy of money

Money is not just soulless bills and coins, but a source of powerful energy. Some people love them and others hate them. Money can be a source of great joy and creativity, or it can lead to disappointment and suffering, depending on our relationship with it.

Money touches almost every aspect of life: work, leisure, creative activity, home, family and spiritual pursuits. Everything we do and dream depends on our relationship with this powerful form of energy. Whether it's the dream of traveling the world, paying off the mortgage on a house, buying a car, or wanting to get out of debt. The energy of money is associated with enormous opportunities and pitfalls.

Well-being largely depends on the right attitude towards money.

Discipline is the main way to tame the energetic cash flow.
Order in everything. Money loves counting and comes to those who adhere to order and do not accept chaos. Keeping a budget will help bring order to your finances and eliminate unnecessary spending.
Responsibility for your own decisions is a magnet for money. Finally, take responsibility for your own financial condition and stop blaming the people and circumstances around you for all your troubles. Stop making excuses for missed opportunities and broken promises.
Be grateful to higher powers for what you already have. The energy of gratitude is creative.
Get rid of debt and avoid dishonest ways to earn income. Financial holes drain positive energy, devastating your life.
Do charity work from the bottom of your heart. By doing good to other people, you will attract double the positive financial energy into your home. By the way, the Rockefeller family made it a rule to spend 10% of their income on good causes.
Communicate more. Money most often comes into our lives through other people.
A poor environment with a negative attitude towards money and wealthy people pulls you into a financial hole. They will quickly leave you without your cherished goals and money. Try to communicate with successful and optimistic people from whom you can follow an example.
Dream - main source your energy, and money is just a means to achieve it. Do not create cults and deities out of banknotes, because this is far from the main value in life.
Develop positive thinking in yourself. Remember that your thoughts materialize.
Enjoy the money you earn while making your goals and dreams come true. After all, money was created in order to spend it and make people happier.