How to be financially independent. How to quickly achieve financial independence and start enjoying life? Working on the aura

05.11.2019

Tired of living paycheck to paycheck with no way out? It's time to change the situation! Take control of your financial situation and start taking action!

1. Decide for yourself to be financially successful

This is very different from just wishing, hoping or even craving to be rich. Create such a state that it has already happened! Financial independence- it's your decision! Are you sure you want to achieve this goal?

2. Understand how money works

Most people have never studied finance either at school, or at the institute, or in everyday life. Most people have never made an effort to simply balance their monthly income and expenses.

To manage something, you must understand how it works. Read. Learn what successful people do. Take lessons from them. Read books, take classes.

3. Decide on your relationship with money

Many people are obsessed with spending, and are rather careless in this regard.

No matter what your current relationship with money is, understand it and create a relationship of respect, acceptance, and gratitude. Use your money to control your own life, don't let it control you.

4. Set clear financial goals

They should be high enough, but not incredible. Challenge yourself to become financially free before a certain date. Decide to save and invest a certain percentage each month.

5. Develop a budget

How you really want to use money to benefit yourself and your family and manage your own life.

Create a budget to buy the useful things you really want. Eliminate fleeting "impulses" that waste a lot of income.

The budget is the map to your destination. Develop such a map and use it as you move towards your Vision of Life!

6. Try to cut costs

When you start managing your money, you have good enough reasons to cut costs.

Most self-taught millionaires live well below their means! You must do the same. Remember one thing. This is not a limitation! This is a waste of money!

7 Learn about investing and start investing

Invest in things you understand. Invest carefully, wisely, and regularly.

The goal is not to get rich instantly, but to get rich over time. Know and stick to the fine line between gambling and putting your money to work for you.

8. Increase assets

Most people are trying to increase their personal income, and this is a mistake. Making more money is about creating and securing new opportunities. This takes time and hard work. And, when wealth comes in the form of cash, it is easier to spend.

Millionaires buy stocks and buildings, they invest in assets that will make them rich - and it's hard to spend on a fleeting whim!

9. Find a competent consultant

Most people pay too much in taxes. The poor and middle class don't realize how much they pay in taxes because it's simply deducted from their pay.

The rich know that there are legal and appropriate ways to protect their income. Learn tax laws and use them to your advantage! This will definitely come in handy in your future wealth!

10. Sincerely share and give

Someone once said, "The reason most of us are poor is because we spent it all on ourselves."

Share. Help others. When you use money to make a difference in the world, you get a chance to do even more. Being greedy and selfish, you will not attract to yourself money.

These 10 principles are sure to make your financial life easier, brighter, and more efficient.

Financially successful people... Who are they? What economic decisions do they make? How does a financially literate person behave? How to become financially independent and successful?

A financially secure person is significantly different from someone who lives near the poverty line. And we are talking not only about external differences, although they are obvious.

Financially successful people differ from the general mass of people in their views and behavior. They radiate reliability, calmness, confidence. Financially successful people can afford to express their opinions, they are able to make decisions, take actions and are responsible for them.

Who are they - financially successful people?

It is not difficult to draw an accurate portrait of a financially successful person:

He has property (real estate) and financial (reserve, investment funds,) assets.
He dresses expensively and tastefully.
His accessories are valuable.
He has good speech.
He is educated and polite.
His handwriting is beautiful and confident.
He is surrounded by successful people.
He knows the value of his time and appreciates the time of others.

Revealing the secrets of the behavior of financially successful people is much more difficult than describing their appearance. Namely, this knowledge is the key to a successful financial life.

In fact, a financially literate person is not someone who knows a lot, but someone who makes informed decisions and takes the right steps.

How to become a financially successful person (video):

Financially successful people:

Effectively manage personal finances, live within their means, minimize debts.
Build financial reserves.
Ensure the financial security of loved ones.
Use the services of financial advisors. Understand financial instruments.
Carefully choose financial partners and build long-term relationships with them.
They learn themselves and pass on their knowledge to others: children, relatives, friends, etc.
Know their financial goals for 3, 5 or more years.
Planning for retirement - have a pension plan.
Invest wisely and increase capital

Which of the 9 items presented are missing in your life? Start working on them - and very soon your financial situation will change significantly.

An important feature of financially successful people is that they know how to live well TODAY, and at the same time secure their FUTURE. This is the secret of their success. They already live according to the principle of the golden mean: that is, they have enough funds for a good (quality life) today and they invest some of the money for the future.

The choice is yours: will you rely on existing non-working social programs or take a step towards financial freedom on your own. We and only we are responsible for our inaction or for our actions.

20+ habits of financially successful people

For some reason, many people think that financially successful people are such superheroes who can and can do everything. No, these are ordinary people with the right habits.

If you want to learn how to become financially independent and successful, study the habits of wealthy people.

Here are some of them:

They have financial. They have a clear plan for the coming and distant years.
Make up from time to time. Financially successful people keep their success under control.
Mandatory accounting of income and expenses. they know the details.
They spend most of their money on what is most important to them: their own home, children's education, health.
Do not allow yourself emotional purchases. They have everything planned and scheduled.
Keep a positive course. They are not interested in negative and depressed people, they do not absorb information filled with fear and horror (do not read the news in the newspapers, do not watch TV).
Constantly learning and improving themselves. For them, gaining knowledge is a top priority. They do not complete their studies at school or institute, they constantly study financial literacy.
. It motivates, charges and gives pleasant emotions.
Deal with failure right. For them, mistakes are an experience, an invaluable lesson.
They work a lot. They put a lot of effort today to have a bright "tomorrow".
Protect the family. They deal with property, life and health insurance. Financially successful people are aware that misfortunes, illnesses, death can happen to everyone.
They work tirelessly to create passive income.
Minimum .
They don't complain, they don't whine. They don't discuss the government, they don't get angry at the weather, the economy, they don't blame other people or circumstances.
They know how. This "no" is said to their desires to take a loan and to those who ask.
Have no debts. Financially literate people are not slaves of money. They know, .
Don't compare yourself to others. A financially secure person compares himself with himself, asks himself questions: “where was I a year ago”, “what is happening to me now”, “what will happen to me in the future”.
They work to create value.
They know how to manage personal time. Every minute financially literate people make their choice. They ask themselves the question: how can this decision affect the future?
They don't trifle. Successful people do not waste their time on trifles, they choose not petty fruits, but serious results of big deeds.
They like the process of making money, not the moment of receiving it.

Interesting fact: most of the above habits are not directly related to money. However, they are the secret to financial freedom. And these habits are available to everyone. Why, then, 95% of people do not live the way they want?

And in your life, who is responsible for the current situation? How do you feel about financially successful people? Share in the comments.

Most people become financially independent and successful people according to approximately the same algorithm. This algorithm is not so difficult to understand, but it is not so easy to constantly apply it in life.

I would not want to downplay the importance of luck or chance. His influence is quite significant. With the same efforts and abilities, someone simply becomes earning significantly above average (5-10 times), and someone really rich. Read about how to attract good luck.

However, even the goal of earning 5-10 times the average salary in your city is not a bad goal anyway. Its achievement is almost guaranteed if you follow the algorithm. Well, if you're lucky, then maybe you will become really very successful and very rich.

So, how do you make sure that you become a successful and financially independent person?

First, work harder.

I thought long and hard before writing this tip. On the one hand, it seems that it is obvious. On the other hand, there are quite a few books out there that describe how you can work little and get a lot. Quite a lot of stories appear on the net about how a person got rich in a couple of months or even a couple of weeks. It is possible that you see before you examples of successful and wealthy people who are working relatively little at the present time.

All this taken together leads to the fact that there is a feeling that you can earn good money and still work a little. The main thing is to work smart, not just work. (a lot and stressful)

Is it so?

If you think about this question for a bit, you will certainly come to the conclusion that nothing is further from the truth that it is possible to earn good money and work little.

Why? Why are there examples of successful people who do little work?

Let's use a sports analogy that works pretty well here. Let's say that you see an athlete in front of you who trains 2-3 times a week for 30-50 minutes and at the same time shows relatively good results for several years. Does this mean that you can also show good results by training 2-3 times a week for 30-50 minutes?

Well, of course not. It is obvious. This athlete, whom you are focusing on, worked out for the first 10-15 years in an intense mode, competed, monitored nutrition, sports regimen, etc., as a result of which he achieved good results. Later, for some reason, he decided not to reach the Olympic heights (or had already reached) and decided to switch to a supportive training regimen.

So it is with rich people, entrepreneurs, business owners, just successful people. They worked hard for several years, developing their skills, their business, their connections, and so on. After some time, they achieved a good result, became financially independent and a successful person. Some of them do not need more, and they have switched to maintenance mode, when they can work much less. (If there is no task of constant growth)

By definition, you are at the beginning of this path (otherwise you would hardly be reading this article). And this means that without constant hard and long work, you will not be able to achieve success. In this article, I talk more about success in money matters, but the principle is common everywhere.

In summary, to achieve success and financial freedom, you need to work harder..

Wherever you read contrary statements, this is only the indulgence of a large part of the population who want success, but do not want to work for it. Books are written for them, articles with interesting and enticing titles about how you can sit on the seashore and do nothing, and the money will almost float into your hands.

It's all lies. For the rarest cases of success that cannot be repeated, this does not happen. (We are now talking about making money yourself, not dad gave) Anyone who wants to make money has to work harder and harder than the average person.

Another apparent exception are people who, as it seems from the outside, are doing much better than you. You are trying to figure something out, but he already understood right off the bat. You are trying to memorize something, but he has already memorized a hundred of something. You are trying to build a relationship with someone, and he has already built a relationship with a dozen people. And all this without any effort.

Usually this is also just a variation of the athlete example. After all, different people have completely different upbringings. From childhood (that is, a couple of decades), someone was instilled with work skills, responsibility (usually more in older children), developed memory, attention, etc. And someone lived in a completely different environment.

I won't talk much about this, as it's pretty obvious.

In other words, the ability to work hard and work hard is probably the most valuable skill in increasing income and becoming financially free and successful.

The next thing I would like to say. Monetary remuneration is not always proportional to labor efforts. In other words, if you work 30% more than the average worker, this does not mean that you will earn 30% more.

Sometimes the reward will be the same. However, most often - it will be a difference at times, and maybe even hundreds of times. (With the model, the first takes all)

So, you must definitely work more, work harder, work without significant breaks (do not stop moving things). Maybe not today or even tomorrow, but it will definitely affect your income.

Don't try to work too hard all at once. It will not work. Gradually develop your working skills. Get used to thinking that working hard is right and good. Your income will definitely increase.

Secondly, you need to learn how to make money.

Learning how to get money out of your efforts is one of the most important keys to financial success. Usually such training has a very remote relation to obtaining a formal education.

But this skill, even in its most primitive forms, can often help you extract many times more money from the same efforts and often save you from big financial losses.

There is really nothing complicated and tricky here. It is clear that in a few paragraphs I will not be able to tell you how and what to study, but I will try to direct your efforts in the right direction.

So, what do you need to learn in order to earn more money (which is the most important component of financial independence).

- Work faster.

It's amazing how many generally good people don't understand this simple axiom of money. Such specialists do their work with high quality, and are justly proud of it. However, at some point they always lose to those who can do the same (or a little worse), but much faster. That is, for example, to do not 1 operation in 2 days, but 2 per day.

Working faster doesn't mean rushing or working harder. As a rule, it is about the opposite. Fast work should be less stressful and leisurely. This is usually achieved by the division of labor, specialization (which is essentially the same thing), the development of templates (using ready-made foreign developments), work on typical mistakes, automation (software, devices, machines), more uniform loading, round-the-clock work of workers, removal of some then unnecessary operations, preliminary preparation, etc.

I am not writing here in any detail. If this is relevant to you, then there is quite a lot of literature on this issue. The main thing is not to forget that acceleration should bring you money, and not be an end in itself.

- work better.

Here, of course, better means an extremely wide range of issues that your customers value (or can potentially appreciate), and not at all your understanding as a specialist. Qualitatively - it can be beautiful, error-free, fast, reliable, easy to maintain, the possibility of reducing the tax base, etc.

The main thing in this matter is not to start from your perception better, but from the better of some part of the Clients (you can’t please everyone).

How can you work better? There are also a lot of techniques here. For example, analyzing the most common mistakes, buying better material (maybe partially) or equipment (maybe partially). Again, there is a lot of literature.

And again, do not forget that quality is not an end in itself, but a means to making money.

- Work in a way that makes it easier to convince potential customers to give you money.

It's amazing how people and organizations that work quite well (quickly and efficiently) completely fail that stage of work when it is necessary to convince a potential client to give money.

At the same time, I'm not even talking about complex sales techniques. You often meet with the fact that the designer cannot show samples of his work, and the builder cannot show photos of those elite repairs that he has made.

The consequence of this, of course, is a large number of "empty" trips to potential customers (loss of time and money), the need to reduce prices (direct loss of money), incomplete workload (loss of money).

Since in this matter everything is highly dependent on the specifics, I will not describe in detail what and how to do.

So here are a few examples of skills that will help you get more money out of the same job. Of course, this is only a limited list. This also includes advertising skills, the ability to make the right assortment, the ability to set prices correctly, etc.

The main thing is to always think about how it will bring or at least can bring money with minimal time and money.

If you know how to do some of these skills well, and you are a business owner, then this will immediately affect your income almost instantly. If you are an employee and know how to make money for your enterprise, then sooner or later, but you will definitely be paid more not in this place, but in another.

In other words, if you know how to make money (easy, guaranteed, fast, at no cost), then you will definitely earn more or much more. (Depends on your self-confidence, the market, the ability to replace you, etc.) And the more you earn, the greater the chance of becoming a financially independent person.

So, training in the ability to make money (this can only be attributed to some extent to vocational training) is the most important component of high incomes and financial independence.

Thirdly, you need to work for the long term.

Of course, this is a conditional rule. It is necessary to simultaneously work for the short term, that is, to do what is needed today and in a couple of weeks. However, everyone works for the short term (rarely anyone manages to work only for the sake of a brighter future), so I won’t even dwell on this.

But for the long term, few work (or at least work correctly)

Those who work long term almost always earn more than those who don't. Moreover, the difference in income can be enormous, that is, at times or even thousands of times.

What is long term work? Let me give you a few examples to make it clearer.

Reputation and money today.

Reputation, strong brand or some other words, but their meaning is the same. A person or organization has invested money, effort and time in making their name memorable among a certain circle of people (maybe wide, or maybe very narrow) from some side.

And if a certain reputation has developed, then it begins to live its own life, already separately from the facts themselves (within reasonable limits). And then, when the question arises, to whom to give the money, the choice falls in favor of someone who is known in principle or even better known from a good side. This is especially pronounced in services and products, where the choice is complex and not obvious (a surgeon, not a car), and mistakes are expensive, but it also works in other areas, although not so much.

The recipe for building reputation is simple, but few people use it. The reason is that few people are willing or able to look several years ahead.

After all, many just want to “cut the dough” right now, even if it obviously negatively affects his reputation (that is, take on some business without experience, resources, etc., just to get money today).

In addition, a reputation or a brand requires investment of money and effort over several years before results appear. Maybe you need to write 100 articles, publish them in 100 magazines, websites, pay for it (for several years, of course). All these or other methods require a lot of effort today, and the result in money will not appear soon.

Therefore, in fact, few people have a good reputation from which to extract money.

Predicting the development of an industry or profession.

In general, money in any profession or industry moves according to certain laws. At first, very few people need a profession and you have to explain why this service is 100 times, but there is no competition. Then there is a sharp demand at high prices (time to cut the loot), then competition gradually appears, but the market is growing and money can be earned relatively easily.

The next stage is when the market continues to grow, but there are more competitors or they become larger and more professional. At this stage, it is already difficult for beginners to enter the profession (industry) and even for those who have been on the market for a long time it becomes more difficult to earn money due to competition.

The next stage is the decline of the market with great competition. At this stage, only leaders can earn at least something. The rest are losing money.

As practice shows, many do not even try to look at their profession or business through this scheme. But if you give it at least a little time, it will immediately become clear that in some direction your efforts are in vain, but somewhere you need to increase the investment of effort and money and get easy money.

Everything, of course, cannot be predicted. But there are quite well-studied patterns. If you use them, you will earn more and easier.

You just need to invest money and time in yourself and (or) your business.

This is the most obvious idea of all of the above. Invest in something that can potentially bring money, your efforts and time. At least something. At least somehow try to measure the return. Find out what works and what doesn't work.

If you do this relatively regularly, then you are already looking at the long term.

Fourthly, you need not run into non-working methods, projects.

In essence, making money and gaining financial independence and success is about identifying those methods (by yourself or through copying) that bring money with the least expenditure of your time, energy and money. We talked about this above in the paragraph about training.

However, the second, no less important method is the fastest possible rejection of those projects that do not work (poorly work).

Getting hung up on those failed projects that you put a lot of time into, invested a lot of energy in, that feed your hopes and arouse the expectations of your loved ones (press, etc.) is one of the main reasons for failure to increase income.

It can appear in a variety of ways. For example, in the reluctance to quit a profession (enterprise) to which you gave 5 years of institute and 5 years to gain experience, despite the fact that the level of salaries in it is low and no progress is expected. It may be a new line of business, a branch, a client that you have high hopes for but that does not bring results.

In general, it doesn't matter what a particular project is. The main thing is that it does not bring profit (brings little), does not grow by itself (or grows only with large injections), and the project has no clear prospects.

Such projects must be abandoned, especially if they take a decent amount of time. Often in such cases it seems that just about, you need to push a little more, improve a little, fake, take it and everything will go well. But such illusions, as a rule, never come true. On the contrary, they eat up a lot of your time, nerves or money.

And the rule is clear. You need to be able to refuse unsuccessful projects, despite the fact that you have invested a lot of time in them, despite the fact that their closure will bring people's dissatisfaction, despite generally any circumstances. You can close it softer, stretch it out over time, shift responsibility to someone, etc., but this is all tactics. The main thing is that the project needs to be closed.

In general, if you want to become financially independent and successful, earn good money, then this should be one of your main skills. There will always be unsuccessful projects, and they are usually the majority. And you need to learn not to put a lot of effort into them at the initial stage and to quit in time.

This technique is quite simple in theory, but its application in practice often leads to difficulties. After all, a project is your life. This is the life of some other people. And if you refuse something, then you may be called a coward, you may be called a traitor who does not know how to persevere and something else like that.

However, cowardice is precisely the inability to refuse something unsuccessful. Fear of admitting to yourself and others that you have failed. Fear of open conflict with other people.

And it seems that today let's postpone the closing of the project until tomorrow, then the day after tomorrow. Maybe something will happen by itself. However, 99.9% of the time nothing happens. The project is slowly stalling on its own, but during its slow dying, it can take a lot of money, time and nerves. What if there are several such projects? (Which happens most often)

So think carefully, what do you do during the month?

What activities do you devote time and attention to?

Does what you pay attention to give the expected result or not? Why?

Can anything be done for a sharp jump? If not, then maybe it makes sense to stop on a deliberately unsuccessful project?

It would seem how easy it is to remove non-working projects and focus on working ones. In fact, this is one of the most difficult strategic questions that largely determines the answer to whether a person will be successful in life (or an enterprise) or he will not be successful. (mediocre progress) Solving this issue requires both independent thinking and some firmness of character.

If you can immediately identify successful and unsuccessful projects, as well as have the courage to refuse unsuccessful projects, then space will be the limit of your success.

Fifth - Limiting costs.

This is the sad point that most financial losers are trying to quickly flip through and find another fantastic recipe for success. For some reason, for most losers, limiting spending is not even seen as a recipe for financial independence.

I partly agree with this. Sometimes it is much easier to increase income. Sometimes it's easier to work harder, work more efficiently, use other ways to sell or promote your own or someone else's services.

Indeed, from such efforts, you can sometimes increase income several times in just a year or a couple of years. And then euphoria often sets in. It was with me, it was with many people and enterprises. When money is flowing, it seems like there is not much point in controlling spending.

And therefore, cars and apartments are bought on credit, people are hired, related enterprises are bought, or new directions are opened. Payback is not particularly considered. No one is particularly trying to understand what will happen even to companies that pay off in the event of a small crisis. (A crisis is a decrease in income and usually the inability to take a new loan).

And due to the cyclical development of a person, industry, profession and life in general, sooner or later, a crisis comes. And at this point, everything depends on your previous behavior and, in particular, on the ability to control costs. If you control them, then nothing bad happens.

If not, then you have to literally "cut to the quick." That is, to sell cheap real estate, cars, profitable enterprises. Fire wonderful and, in principle, very necessary people. Substitute your suppliers and not pay them money. I'm not talking about the little things like delayed wages and other payments.

Such crises in my memory swept away quite a few rich enough people and prosperous enterprises. If it seems to you that this will never affect you, then it means that you are too inexperienced in life (employed in a large enterprise) or too young.

I'm telling you that if you want your financial success to be sustainable, then you must control your expenses and have cash reserves. I understand that this is not a breakthrough strategy. I understand it's boring. I understand that it requires effort and some special type of thinking like asceticism.

So, I have given five ways on how to become financially independent and successful. These methods are fundamental. That is, it is almost impossible to become successful without having skills in each of these methods of success, at least at the initial level. Therefore, study them, try to apply them in life, and you will definitely achieve greater success than you are now. Much more.

Sincerely, Rashid Kirranov.

Good day to all! How to gain financial independence, where to start and how to achieve material stability are questions that are not raised in the classroom at school or university. These questions are not able to answer many parents, even those who have managed to succeed. Therefore, today I decided to touch on this important topic for every person.

Types of economic condition

Money hole. In this option, income does not cover expenses at all, so you have to constantly borrow money to pay off the previous ones. Accordingly, there can be no talk of savings. This state is very difficult, but it is quite possible to get out of it.
instability . The ratio of income-expenses is approximately equal. If debts happen, then for a short period of time. Due to the fact that there are no savings, any unforeseen situation (loss of a job, illness ...) can drag you into a money hole.
Stability . In this case, it is possible to receive more than to spend. And even if a crisis situation happens, a person in this state may well hold out for several months.
economic freedom. In addition to the fact that income significantly exceeds expenses, existing liabilities do not need to be included. And there are also significant savings that can be sustained for a very long period of time.

Types of cash flows

Expenditure capital . These are your monthly expenses for food, utility bills, clothing, and more.
Savings. These are deferred amounts that you plan to spend after a certain period of time on a planned goal. For example, a vacation at sea in the summer, or buying a new fur coat for your wife, a car, and so on.
Reserve capital . This is exactly the money that is set aside in case of unforeseen circumstances.
working capital . These are the means by which you can confidently call yourself a financially independent person. And accordingly, they are always at work, whether it is an investment, an investment in a bank, real estate or the stock market.

1. Attitude towards money

To begin with, let's define what money is for you, what does the concept mean? Because if you think that this is punishment or dirt, it is unlikely that you will be able to go against your convictions in order to increase the punishments in your life. Thus, an internal conflict arises that is important to resolve in order to begin moving towards financial freedom.

2. Goal setting

We have already talked about this, but still, it is necessary to clearly set a goal. Not just, in general: “I want a lot of cash”, but a task that will motivate you to work hard, someone has a car, someone has their own house, it doesn’t matter, the main thing is that you understand what it is and how much is needed for achievement.

3. Income distribution

Learn to distribute your income. In addition to the necessary payment of bills, it is important to allocate an amount that you can spend on yourself. Because it often happens that people fall into extremes - from excessive savings to buying a bunch of unnecessary things. You have probably heard more than once that you need to look for options where to earn money, and not save money. But at the same time, sound control of profits and expenses is simply necessary. You should not overly limit yourself, otherwise there will come a moment when you break loose in order to satisfy your “bare” needs.

4. Responsibility

Money is a responsibility, and the more money, the more obligations. Therefore, try to honestly answer yourself: “Am I ready to take responsibility for my choice? For the consequences of the decision? After all, if you take a risk and decide, for example, to open your own business, are you ready to tirelessly invest in its development in order to get results only after a certain period of time? Cope with a series of difficulties, limit yourself in some way due to constant employment?

5.Credit card

Try to use only cash for payments. Credit dependence does not allow you to control your expenses, and besides, it sucks you into a debt hole. You quietly fall into traps, making unnecessary purchases, for which you also owe.

6. Faith in yourself

Send the right thoughts to the Universe, or, in other words, believe in yourself. If you constantly think that you won’t succeed, that you don’t have such opportunities as others, your energy will be wasted, causing constant anxiety, dissatisfaction, and as a result, irritability.

7. Alternative income

Think about alternative income, maybe you have an apartment that you can rent out, or unnecessary things that you can sell? Yes, in the end, a bank deposit at interest can also bring, albeit minimal, but still passive profit. There is even a formula for material independence: Passive income - Expense => 0. And if the result is just 0, it already indicates its absence.

8.Money energy

Money has energy. And if you are fixated on the desire to earn a lot, being angry that it doesn’t work out, do you think it will be possible to attract this energy to yourself? If you love her despite the fact that she is absent at some times, and will gladly accept when she appears, this will help to establish the process. After all, you also do not want to go to visit friends who are angry with you? Not much fun, right?

Likewise, monetary energy resists being present where it is not accepted with gratitude. Have you noticed people next to whom money is in the air? Whatever business they undertake, they always make a profit as a result? All because they know how to appreciate it.

9.Savings

Always set aside at least a minimal portion of every income in reserve. If an unforeseen situation happens, you can use it instead of borrowing or applying for a loan. In this case, financial freedom is out of the question. Calculate so that the amount is enough for you for six months, in case you lose your job. Set it aside separately from all the distributed parts, and do not touch it under any pretext.

10. Home bookkeeping

Keep a home bookkeeping, it will be much easier to track and control waste. Most often, they answer me that they calculate and hold information in their heads. But this approach is wrong and does not work. Even billionaires know where their every penny goes, not because they're cheapskates, but because they're so good at managing entire fortunes because of this ability to track and be aware of everything.

Exercise to understand your attitude to finance

Most often, we ourselves stand in the way of our financial independence, sometimes without understanding the inner fears that stop us from achieving. Ask yourself the question: “If I have more money, what will I lose in this case?”.

Listen to the answers that come up, allow yourself to reflect, and believe me, some of the answers may surprise you, revealing the true cause of money-related difficulties.

For some, it is the fear of losing self-respect, for others, family or friends, for someone their freedom or reputation is too valuable ... You may have a completely different option, different from the examples, but at the same time limiting opportunities and the path to material well-being.

Study the stories of successful people, look up to them, explore the history of their progress, perhaps their ideas or situations are similar to yours, and then this similarity will be support and inspiration for you. Consult with acquaintances who are successfully doing business, be more in their environment, make useful contacts. Soak in this “money aroma” that hovers around people who know how to attract and keep it.

Bring your talents to the masses, even if it's just the ability to bake delicious pies. Many great people offered their services in the markets, there is nothing terrible about that. Promote yourself, and over time, when you get comfortable, you can move into the phase of passive income, when these skills already work for you. Gradually, gradually, you will orient yourself and be able to achieve financial freedom.

Explore

Explore the market in order to find a niche that does not yet have fierce competition. Or, if you already have ideas, write a good business plan that you can present to investors. And it rarely happens when a potential investor is immediately found, so do not lose hope and do not stop, even if you hear “no” 15 times in a row. Knock on other doors, and they will surely open for you. There is a famous author under the pseudonym Doctor Suess. His first book was rejected by 27 publishers. Now his literature is the market leader among popular children's authors.

learn

Learn not to make hasty decisions. Yes, you have to think fast, but when it comes to finances, you have to consider all the pros and cons, risks and rewards. Panic and fuss can play into your hands, money does not like it.

Invest

In addition to investing in stocks and the like, invest in your education if you can move on to a better paying job or expand your knowledge to run your own business with the help of advanced training.

Save

You can also reduce costs by breaking bad habits, by buying only the necessary things on a pre-compiled list, during seasonal sales or in wholesale stores. Close loans and pay off debts.

Work

But you can also increase the level of profit with the help of part-time work on the weekends, in the evenings on the Internet. Think about how a hobby can bring you money.

Conclusion

Overcome all your fears and doubts, take risks, keep track of profits and expenses, and in time you will achieve financial freedom, when your money will work for you, requiring only a minimal involvement in the process. Good luck to you and prosperity!

Everyone is capable of becoming a successful and financially independent person. The only question is how to do it quickly and accurately.

There are universal rules, on the regular observance of which the future of a person depends. Their effectiveness is easy to check by reading the biography of any successful figure: from a writer to a participant in the foreign exchange market.

However, in order not to waste time in vain, let's start studying them. So, how to become financially independent and successful person?

At one of the seminars, Australian billionaire Peter Daniels was asked about the most profitable way to invest $100,000. The answer turned out to be perfect. The tycoon advised investing in education, since it is the most important asset of any successful and financially secure person.

An ardent supporter of this rule is the famous business coach Brian Tracy, who advises everyone to become “eternal students” and daily replenish their piggy bank with useful knowledge (he considered seminars, reading and audio books to be the most important sources of information).

It is impossible to list all the followers of such a rule, however, the above examples are enough to understand the price of continuous learning.

Rule #2

If a person experiences pleasure from what he is doing, then he will practically not know fatigue, he will have no time to worry, be distracted and do extraneous things. And if we add financial interest to such productivity, then we can assume that happiness has been found in life.

There are two main questions to be answered:

how to find a job like this?
how to make it permanent?

Everything is simple. Imagine what things you could do indefinitely and for free. Rank your answers. Select main. Set a goal to reach the pinnacle of mastery in this matter. Now it remains to find a way how to find the optimal application for the chosen lesson.

This is where your creativity should kick in. There is another option: study the biography of successful people in the chosen field and simply copy their path.

Rule #3

All barriers exist only in the head. As soon as they are destroyed, impossible things become achievable. A successful person has an attitude towards inevitable success. This allows him to ignore setbacks and treat them as temporary. Force yourself to think like this.

Rule number 4. Work according to the Messi formula

Recently, a video with football star Lionel Messi appeared on the Internet, who in one and a half minutes talks about the secret of his success: “get up early, work hard, do it every day, year after year ...”. Here we can add only the Pareto principle, according to which important tasks provide most of the result (80% of success depends on 20% of targeted efforts).

Rule number 5. Learn Financial Literacy

A fabulous capital passes through the hands of even the most unclaimed worker in a lifetime. The problem is that many people don't even realize this fact. It is easier for people to blame their hated work and bosses, who bring a penny income. But it is easy to destroy such a myth.

It is enough to read a few books by Robert Kiyosaki and Robert Allen, as the status of a millionaire does not seem so far away.

Rule #6

Time is a free resource, managing which you can reach heights in any business. Ever since school, everyone is familiar with the statement that each person has only 24 hours a day to realize his potential. So why do some become famous and rich, while others live out their days in a squalid hut? It's all about the art of planning. Master it and be surprised how your productivity increases daily.

Rule No. 7. Progress and "comfort zone" are incompatible concepts

Everything is simple here. Until a person learns to ignore his fears and worries, until he polishes the plan of his triumph, success will be more and more distant.

You need to act now. It may be uncomfortable and scary, but there is no other way.

Study the biography of any major businessmen. It is almost impossible to meet among them the lucky one who conquered the top of the investment world the first time. So why are you worse?

Rule #8 Practice Quality Relationships

Progress is driven by like-minded people. This is the axiom of success, spelled out in all the bestsellers devoted to personal development. Get them on.

Strong people try to ignore "mentally petty" individuals who, apart from negativity and toxic emotions, are not capable of anything.

Rule #9 Become a disciplined titan

One of the key economic laws of capital accumulation is to keep investing money continuously. The same can be said about personal growth, career, family relationships and any other area. If you take a step towards the goal every day, then its achievement will become inevitable. The trick is that fate rewards targeted people with a bonus in the form of experience that can repeatedly accelerate the speed on the way to a dream.

And finally, I would like to say about the unspoken secret of all wealthy people, which comes from the heart. Help those in need - that's the essence of it. If a person begins to give something away, then this something begins to grow in him. It is difficult to explain this phenomenon, you just need to believe in it.

Good luck and see you in the next article.