How to become a happy person? What about successful, rich?

Today we have to understand how to manage money. It's no secret that every person has the opportunity to receive more. The main thing is to behave correctly. In addition, some manage to live comfortably even with low salaries. All this thanks to proper budget planning. You need to learn how to manage money in order to create savings and attract finance to yourself. But how to do that? What should you do if a person instantly runs out of money? What tips and tricks help you plan your budget? All this will be discussed further below.

Problems of society

How to manage personal money? Many sooner or later become acquainted with the paradoxical function of money - no matter how much there is, it will still not be enough. Even with high salaries, there is often a financial shortage.

This phenomenon should not be surprising. The point is that only proper financial management will help maintain your personal and family budget. People who do not know how to spend wisely will always suffer from a shortage of money. Even if the salary level is high. Therefore, you need to think about every purchase. What tips and tricks will help you learn how to manage your personal money?

Warren Buffett, American entrepreneur, investor

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Warren Buffett is considered the greatest investor of all time. His triumphant ascent to the financial Olympus began with 10 thousand dollars and the founding of an investment company in the 60s of the last century.

Today, Buffett is one of the richest people in the world (his net worth is estimated at $77.3 billion) and the largest philanthropist. He is called a seer and oracle from Omaha, the city where he was born.

The main secret to achieving long-term success, according to Buffett, is this: you need to follow certain principles and be patient and thrifty.

Advice from Warren Buffett

1. Buy only what you would be happy to own if the market were to close for ten years.
2. I don't care if it's socks or deals: I like to buy quality products at discounted prices.
3. Constantly putting off looking for a good job and sitting in one that depresses you is like putting off sex until retirement.
4. If you have a choice, it is much more important to say “no” than “yes.”
5. I always knew that I would be rich, I didn’t doubt it for a minute.

Spending – important and not

The first thing you can do is analyze your daily and monthly spending. What do people spend money on? The bulk of funds in Russia are spent on food, taxes and utility bills. The remaining funds are either spent on personal needs or set aside.

All purchases must be divided into several categories: important, necessary, desired. Necessary expenses include mandatory expenses that you cannot live without: payment for housing and communal services, taxes, transportation. Important are purchases on which you can save, but it is not advisable to do so. The “desired” category is what you want to buy. Such an analysis will help you understand what you can do without.

How to always be healthy - simple and proven techniques

In the modern world, business often has only one goal - to make money, and everything else comes second (including people's health).

Medicine for the most part is no exception; it has also turned into a complete business.

But is it possible to live without pills and be completely healthy?

❗️ Important: It turns out that no money is needed to be healthy - our body is so perfect that it can resist all diseases on its own. The main thing is not to interfere and listen to him.

And also trust nature, since we are an inextricable part of it!

For example, it has already been proven more than once that ordinary fasting can cure almost all diseases, including even the most serious ones.

Hardening is another one of the simplest and at the same time effective ways to activate your immunity.

For example, from my own experience I can say that Porfiry Ivanov’s “Baby” health system works great, using which more than one thousand people have been cured of illnesses!

For those interested,

Planning

To be able to manage money, you need to carefully plan your budget. This advice is fundamental when attracting finance. It is necessary to record all expenses that will definitely need to be made. In addition, budget planning helps to analyze how important certain things are to a person. The previous point is partly included in planning. It won't be possible to do without it.

Reasonable savings did not hurt anyone. This habit will help you save at any salary. How to manage money correctly? When saving wisely, a person is advised to look for goods and services at sales. This is another very remarkable technique that can protect you from unnecessary expenses.

Howard Schultz, American businessman, head of Starbucks

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Howard Schultz was born into a simple family in Brooklyn. After graduating from college and working for several companies, he got a job at Starbucks. They say that Howard persuaded the owners of the company to give him the post of CEO for a small salary, only because he believed that he could achieve resounding success.

And he succeeded. Starbucks today is one of the most famous coffee chains in the world. Schultz's fortune is estimated at $2.9 billion.

He treats business as an important mission. According to the billionaire, its fulfillment is something one should dream about.

Advice from Howard Schultz

1. By dreaming about something small, you will never succeed in big things. Who needs a dream that you can reach with your hand?
2. If you say you never had a chance, maybe you just didn't take it.
3. Failure may well overtake you unexpectedly, but luck comes only to those who plan for it.
4. Great achievements do not happen by accident.

Job

How to manage money? You will need to find an additional job or any other source of income. It is better if there are several such “gold mines”. This technique will help a person feel more confident and not depend on one salary.

If you have an “extra” apartment, you can rent it out - this is a good source of additional income. Some earn income from hobbies: embroidery, cooking, system administration, programming, and so on.

Reselling things may be suitable as a source of additional income - on various sites like Avito, people are constantly looking for old items to purchase. If a person has a lot of money, he can invest it in investments or banks. But in practice, most often people invest in real estate. Apartments are an excellent investment, which, as emphasized earlier, can bring good income.

The key to a happy life

It all depends on the aspirations and desires of each person. Some people don’t have enough money to be happy, others don’t need a family idyll, but in the end everyone strives to be happy. It is a big misconception when a person thinks that by becoming rich he will truly find real happiness, but not all rich people are truly happy.

Of course, money also plays a certain role and its lack only leads to additional problems, so the necessary income must be there, but constantly chasing larger and larger sums in order to find happiness is a big mistake.

An excellent example is wealthy people who never found happiness, so it is important in life to find yourself and do what you love in which you put your soul. In order to become happy, you just need to change your worldview and be positive, and not constantly succumb to negative thoughts.

In fact, happiness is within everyone. Scientists estimate that 80 - 90% of a person’s constant thoughts are associated with negative thoughts, which suggests that people mainly concentrate on the negative. Fight this, thoughts are a great force and they shape life.

Always think positively and concentrate only on positive moments, make a habit of thinking positively. Appreciate every moment of your life and cherish what you already have, and with every negative thought, immediately switch your attention to fun and good moments.

Credits and loans

How to manage money correctly? The following tip may surprise some modern consumers. You just need to give up credits, loans, installment plans, and so on. Debt has never made anyone richer. Banks and microfinance companies demand high interest rates from the population. Therefore, the overpayment on the loan, if everything is carefully calculated, will surprise you with its size.

Things that are not really needed are usually bought on credit. Or finances are spent on things that you can easily do without. It’s better to learn how to properly distribute income, save up and only then buy the desired thing. Loans are relevant only when it comes to vital situations.

The path to happiness and wealth and what you need for this

You can marry a man who will sit on your neck and express his dissatisfaction with you.

There are a lot of gigolos nowadays who don’t want to do anything and have everything at someone else’s expense.

You can marry a rich and unloved person and live in luxury, but at the same time be unhappy because there is no love and happiness.

You can follow the hard path to achieve everything on your own and slowly make your way to wealth and happiness.

Availability

How to manage money? You will have to refuse cashless payments. After all, credit cards and debit cards do not show the account balance before making a purchase. Therefore, a person is tempted to spend more.

If you spend cash, you can always see how much is left after a particular purchase. Some recommend withdrawing fixed amounts from bank cards before shopping, and leaving bank plastic at home. Not a bad way to save money.

Tip two: Identify unnecessary expenses

Second. Identify, for example, expenses that you kind of need, but are not required. That is, they can simply be postponed for a while.

And be sure to constantly isolate from your expenses those that simply take your money. Which in principle you don't need.

For example, taking a taxi, buying coffee, having breakfast somewhere in a cafe or restaurant. That is, something that in general you can do without.

And learn to maintain discipline and clearly maintain the expenses that you have planned and give up all unnecessary expenses, as we have already said.

Goals

How to save money with a small salary? Experts emphasize that saving is easier when there is a specific goal. It is better if it is achievable and small. For example, purchasing a new computer or camera. But no one canceled large purchases like an apartment or a dacha.

When a person has a goal, he begins to strive to fulfill it. Accordingly, over time you will be able to save, save and get closer and closer to buying something you want.

Mark Cuban, American entrepreneur, billionaire

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Mark Cuban's story is amazing. He grew up in a simple family and made his first business deal at the age of 12. Mark sold trash bags to buy a pair of basketball shoes.

Cuban already worked as a party organizer, bartender and dance instructor while in school. To pay for college, he collected and sold postage stamps. He started moving up the career ladder as a bartender and salesman, and then created his own company selling software products.

Cuban's net worth is now estimated at $2.3 billion. He is called an amazingly smart and far-sighted person who is confident that determination and work pay off handsomely.

Tips from Mark Cuban

1. If you choose, you can quickly discover that your best bet is to save money on personal expenses. Becoming a smart shopper is the first step to being rich.
2. It doesn't matter how you live. It doesn't matter what car you drive. It doesn't matter how you dress. The more you think about money, the harder it is for you to focus on your goals. The cheaper you can live, the more options you have.
3. The point is not about money or connections. The key is your willingness to do better and learn more than others. If it's not successful, you learn from it and do better next time.

Respectful attitude

It's no secret that money loves counting. But that is not all. If a person wants to save and also allocate the budget correctly, he needs to remain silent about his plans. Especially when it comes to large purchases.

Money loves respect, not waste. Taking a closer look at modern millionaires, one can come to the conclusion that many of them behave rather modestly. And that's why they always have money. This technique helps attract finance, and also teaches you to allocate funds for what a person really needs.

Took place due to an oversight of the system

Year of birth: 1933. The year of my father’s death was 1935. And this is the truth that Zimin wrote in all the questionnaires. But not the whole truth. The place of death is the Gulag, a camp near Novosibirsk. Dmitry Borisovich’s uncle is a member of the RSDLP without a “b”, that is, a Menshevik. Hence the fate. D.B.’s pedigree “let us down” on all sides. On his father’s side, he is from a family of Old Believers merchants, the Zimins, and his grandmother, nee Guchkova, was a direct relative of the most famous Guchkov, the minister of the Provisional Government, into whose hands Nicholas II handed over the text of his abdication written in his own hand. The genes are fine. But not for the USSR. In a strange way, Zimin was “overlooked.” In his own words, it took place due to an oversight of the system.

All his life Zimin lived next to romance and even romantics - to the maximum extent possible for the USSR of that period. A school and a house in Arbat lanes, classmates writing poetry, amateur radio and the ability to independently make an amplifier of such power that the sounds of “Rio-Rita” from an open window in Bolshoy Afanasyevsky Lane would reach Gogolevsky Boulevard.

After school - MAI, motorcycle ride from Moscow to Moldova, and from there to Crimea, kayaking trips. In general, physicists are lyricists, they are also the people of the sixties. Then work in the closed RTI (Radio Engineering Institute named after A.L. Mints), rapid professional growth in combination with the column “ss ov” - “top secret of special importance.” What did you develop? Radars with unique characteristics, missile defense systems. He forged the shield of the Motherland, and without any irony one can say that he forged it. Paradoxically, it was precisely those contacts and connections with the military that greatly benefited Dmitry Borisovich in the second period of his life (the military gave VimpelCom one of the many frequency ranges under their control).

The second period of his life began when his life turned upside down, like all of our contemporaries, with the collapse of the USSR, and quite quickly led him, the most secret engineer, to the very heights of success in business.

He probably lived well until the early 1990s. I didn't ask about this. It's easy to guess. The level of secrecy available, valuable brains and unique developments brought such specialists a standard of living that was the envy of most of their compatriots. And suddenly the soil began to shake under his feet - and he was already almost sixty! The bankruptcy of a country is not at all easy to survive. But since he was a so-called “applied scientist,” that is, first of all, a design engineer, and not a pure theorist, and knew how to do something with his own hands, and not just write down formulas the length of a quarter, he and his comrades began to try to earn money. They tried to sell to their own military-industrial complex factories the development of all sorts of potentially useful gizmos in civilian life.

So to speak, they carried out a conversion.

For example? Radar detector "Signal" or kits for satellite and cable television. They were sold in the Efir store right on Gorky Street. But then they didn’t yet know that selling is no less an art than inventing and producing. They didn’t know how to sell, they didn’t know what marketing or studying consumer demand was.

Secrets of saving

How to save money with a small salary? All of the above tips are aimed at saving and earning money. But what if you can’t jump above your head?

Then you will have to save on everything. For example, you can start with food. After all, spending on it is an important item that has a surprisingly large number of unnecessary items. How to manage money?

So, to learn how to save, you need to follow these tips:

1. Don't go to supermarkets on an empty stomach. Of course, it's best to leave your credit and debit cards at home.
2. Convenience foods are an overpriced luxury. You can prepare similar dishes yourself. This technique will help you save a lot of money.
3. Make a shopping list for the week and plan a menu. This way you won’t have to buy anything unnecessary.
4. Buy more frozen food and prepare for the winter. Out-of-season fruits and vegetables are expensive. Therefore, to save money, it is recommended to stock up on food for the winter.
5. Avoid snacking and using a variety of coffee and food vending machines at work/in stores. It's better to take homemade food with you.
6. It is better to buy products on sales and promotions. The same goes for clothes and shoes. It is recommended to take a closer look at the bottom shelves in stores - there are usually inexpensive goods with good quality.
7. Wholesale purchasing is the key to success. Many stores and grocery stores sell goods to “wholesalers” at significantly reduced prices. In addition, storing supplies for future use ensures that a person will always have food. You can purchase both frozen foods and cereals with pasta.

All these methods can really save a lot of money. Most likely, it will not be possible to develop such habits right away. Failures and acquisition of unnecessary things are possible.

However, this does not mean that you need to limit yourself in everything. Credits and borrowings, as already mentioned, are acceptable, but as an exception. They are allowed to be taken only in emergency cases, and to be paid as soon as possible.

Get rid of debt and stay out of it

Debt is a scary thing. Both because they put pressure on us psychologically, and because we are forced to work for debts instead of enjoying life.

Therefore, borrow only in the most extreme cases, apply for loans only after carefully weighing and analyzing your capabilities (a loan is also a debt, only to the bank) and only in special situations (for example, buying an apartment - without a loan you will have to collect about 20 years).

In all other cases, refuse loans and any loans, managing on your own. Do you want a new car? Save up. Are you thinking about upgrading your computer software? Save up. Apartment renovation? Save up. Overseas vacation? Save, save and save again.

Results

From now on it’s clear how to save money with a small salary. All of the above methods will help not only save money, but also attract cash flows to a person.

Don't expect quick savings. People who are not used to saving may suffer from restrictions at first. But then the advice offered to your attention will become a habit that accompanies the citizen throughout life.

Running out of money quickly? It is important to remember that sales and inexpensive items are not a shame, as some people think. The price is not always justified by the quality. In stores you can always buy inexpensive and high-quality things and products.

The difference between a potentially poor person and a potentially rich person

Money is not just a stack of high-denomination bills. This is also an indicator of our internal state, our ability to revive and survive life crises. A potentially poor person, even having received a large fortune, loses it after a couple of years without the prospect of ever again amassing a substantial capital. The potentially rich, falling, rises time after time and, in the end, firmly stands on his feet. It's all about our attitude towards money and all the factors associated with it.

So what is wrong with us? Why do some people have an internal reserve of wealth, while others do not? Because those who have such a reserve treat themselves and others differently. They consider themselves and their own opinion as the starting point. This is not egocentrism. This is the position of a person who, listening with interest to the reasoning of other people, extracts from them the most valuable thing for himself. People without a wealth reserve either completely ignore other people's opinions or are overly influenced by them.

Someone who is potentially poor is more interested in other people's lives than his own. People of the opposite type care little about someone’s actions and status. They are mainly concerned with their own plans and victories, and they do not have time to closely observe their neighbor. A successful person is not inclined to discuss either external or personal problems for a long time. He strives to solve his problems with maximum benefit both for himself and for those around him. People with the psychology of the poor, instead of looking for solutions to problems, constantly complain about life, about someone’s injustice, about the fact that they are unlucky. At the same time, they do nothing to change anything, and even if they do, it is somehow stupid - as if only in order to justify their own laziness and passivity in the future through failure.

A subject with the potential for poverty is afraid to radically change his life and consoles himself with the fact that someone else has it worse than him. An inherently rich individual is not afraid of change. He is always confident that it will be better, even if at the moment he has many difficulties. Such a person is not ashamed of talking about money and without hesitation can ask his superiors for an advance, a salary increase or some bonuses. The inner poor will suffer from a lack of funds, but will not do this.

People inclined to wealth have the habit of paying for someone else's services with money or gifts and do not hesitate to demand payment for their own services. People predisposed to poverty feel uneasy at the slightest reminder of monetary rewards and shy away from assistance that may have to be paid for.

A potentially poor person may secretly desire good money, while demonstrating to others that he is indifferent to it. Potentially rich people do not hide the fact that they want to make decent capital, and openly express respect for money. They do not take on unnecessary responsibility, but they also do not shift theirs to someone else. People who are not predisposed to wealth try to have someone else do their responsibilities or take on too much. At the same time, they are sure that the whole world owes them: authorities, neighbors, relatives, sellers, and so on.

Anyone who may become rich in the future communicates mainly with people who are useful to him. These are good specialists, recognized authorities, talented representatives of the human race, those who have a large store of knowledge, excellent organizers, professional businessmen... Future oligarchs independently form their environment so that they can constantly receive new information.

Most potentially poor people have friends and acquaintances who are always preoccupied with financial troubles and are unhappy because of this. All these people do not know how to make profitable money decisions and, of course, cannot give sound advice in this matter. A person surrounded by them is not able to become rich also because he gets used to eternal poverty, and because he does not have a source of information necessary to create capital.

Successful people pay their bills on time, try not to miss out on good financial deals, and don’t put off settling their financial problems. Those from whom success constantly eludes are careless about the timing of payments, do not know how to make transactions and delay in repaying debts. Ignoring issues related to the “despicable metal”, they always feel anxious and are always concerned about tomorrow.

These are the main differences between the actions of potentially rich people and potentially poor ones. They clearly demonstrate that the cause of poverty is not a lack of money, but in a person’s psychological attitude, in his attitude towards money. If you want to become wealthy, you should analyze your own thoughts and bring them into a state that corresponds to material wealth. Otherwise, you will not see wealth like your ears. Even if quite a lot of money appears, it will not stay. Therefore, change the direction of your thoughts, habits and approach to the material side of life. After all, it is quite important!

OK then. We have changed our habits, our attitude towards money, and have even already amassed capital. How can you be happy with him if you are always worried about not losing your hard-earned money? And to do this, you need to move on and protect yourself from “craziness” on the financial side of life.

How to manage money wisely

It is easier to prevent a disease than to treat it. Therefore, mastery of money stems from the foundation of its appearance.

At the first stage , you will have to learn how to earn material wealth through physical or intellectual labor.

Before starting your first job, or starting your own business, you should check the attitudes in your head. Programs ideally allow you to earn maximum amounts and can bring satisfaction to a person’s life, thanks to the appearance of large sums in accounts.

At the second stage, issues of lending, insurance, and investment arise.

Relationships with loans among experienced economists are minimized over time, and the number of profitable deposits and profitable investments grows. Financial literacy is not taught at school; this is not always beneficial to the state. Therefore, you should study the nuances of handling money on your own.

At the third stage, the definition of passive and active cash flows is realized.

The ability to calculate costs, profitability and net profit allows you to build a financial empire of absolutely any scale.

Millions grow from pennies, it only costs:

• repay loans and debts faster;
• acquire as many “products” for your own development as possible;
• earn money with pleasure;
• be able to share and invest;
• count and analyze;
• optimize assets;
• Don’t rush to spend on emotions, but earn even faster.

“Buy in bulk” - this truth is known to everyone, but only a few use it. It is not always convenient to purchase a lot of food products - they can spoil, plus, due to the large weight, it is necessary to include costs for logistics and transport. Therefore, this is a controversial point, but the savings are significant.

“Credit cards burn up profits” - everything is true, because a significant percentage is overpaid, and a serious amount of losses accrues per year. Special enemies of wealth are “vacation on credit”, “disposable item on loan”, “unfamiliar interior attribute on credit”. You should thoroughly study the terms “leasing”, “franchising”, “rent” and become a distributor rather than a receiver in these cases.

“Promotions, bonuses, discounts are not always a marketer’s trick . The ability to distinguish where the consumer is attracted by an empty benefit, and in what case the discount is logical and allows you to purchase a quality product at an economical cost, is another path to a prosperous life. The following are profitable: new brands and brands, seasonal goods (they should be purchased out of season), discounts on low-demand products.

An ordinary citizen who lives correctly and economically is able to save 50% of his own income in a year.

If he understands financial matters, then thanks to the movement of assets, he increases his own profit at least twice during the year, and so on every year. Consciously calculating the risks and acting boldly, but with caution, he rents out real estate, acquires additional skills, and invests in children. At the same time, his expenses work towards future income, which is important.