Accounting for expenses and income is the key to everything, the amount of earnings is not so important here. Both a large enterprise with billions of turnover and a tiny company are planning a budget. If this is not done, the consequences will be sad.
For some reason, people think that everything works differently for them, but this is not the case. If you don't know how much you spend, you won't be able to save and spend rationally. But, as soon as you start controlling finances, your life will change. If you don't believe me, just find a person who has responsibly approached this process and ask how he is doing. Or read one of these articles on Lifehacker.
They often put an equal sign between gluttony and gluttony: they say, this is immoderation and greed in food. But gluttony can also be perceived as a desire for any excesses. It is not known for certain how perniciously this passion affects the soul, but very much on finances.
And it's one thing if you buy a fifteenth pair of shoes or a new smartphone, because you can afford it. It's completely different when you get into a loan for this.
Debts and loans for household goods and things that you don't really need are dangerous. And not only by the fact that you overpay at the expense of interest.
The habit of living on credit gives rise to the illusion that you can afford this or that purchase — just buy the thing now, and give the money later. Quite often this leads to the fact that the debt grows, and there is nothing to give it back. Now Russians should Information on loans granted to resident individuals / Bank of Russia banks have 26.2 trillion rubles, and 1.1 trillion is overdue debt.
Social networks are now actively pouring water on the mill of this sin. Here you subscribe to the account of an actor or a successful businessman. You see how he drives a cool car, buys branded clothes, uses expensive cosmetics. Of course, you also need all this right away — otherwise the stars would not receive such large sums for advertising.
Envy stimulates consumption. But here's the terrible truth: to be like an idol, you need to work like him, and not buy the same things.
If you are an ordinary office worker and buy yourself a very expensive watch like that businessman, you will not become like him. You will be an ordinary office worker with very expensive hours — and missed opportunities, because there are probably more important items in your life.
So adequately assess your financial situation and do not chase the picture. If you take the money you spend on making a show of it and invest in something useful — in education, health or investment — it will make much more sense.
The divorce is as old as the world (or a marketing ploy, if you want): it takes a long time to tell a person about a product, make him spend a lot of time and show interest, and then name a fabulous price. Sometimes people reach for their wallet just because they are ashamed to admit that this thing is not affordable or just seems too expensive. Suddenly, others will think the wrong thing.
Because of the fear of looking poor, someone does not go to ordinary supermarkets, someone buys more expensive goods with the same composition, but a big name, someone does not buy anything on the stock, someone does not ask about special offers. And loses money.
Saving is not a shame.
Instead of maintaining the appearance of financial independence at any cost, it can be acquired — including through more profitable purchases. It may not be possible to get rich on savings. And without her, it will not work out all the more, so is it worth making the situation worse because of vanity.
It is very convenient to blame the world government, reptiloids, aliens from Mars for financial problems. After all, you can do it without getting up from the couch — and why, because life is full of injustice. And if someone lives better, it's because he stole and took bribes.
But your life is your responsibility.
It would be unfair to say that only desire is enough for high earnings. People live in different conditions. If you were born into the family of a millionaire in the capital, studied at the best educational institutions in the world and are familiar with influential people, you seem to have more chances of success than a village guy from a single-parent family.
But you can't get into a time machine and be reborn in a different way. The wizard in the blue helicopter will not come to correct this injustice. It's time to grow up and act in the conditions that exist.
In the most literal sense, it also works. Cheating is a common cause of divorce. And marriage is to a large extent an economic enterprise. Often a couple can afford a higher standard of living than one person. Together, you can sum up your funds, so it's easier to save up for large purchases like housing and cars. Moreover, two people need one apartment, a kettle, an iron, and so on. Parting doubles the amount needed and leads to the division of capital.
But let's think bigger. It is difficult to act for the future. For example, you are saving up for a down payment on a mortgage. There are many years of restrictions ahead. And here you see a discount on the iPhone. Of course, the purchase will please you. You will even think that you have invested money profitably: the discount is the same. But the long-term goal of buying an apartment has become even further away from you.
The position "once we live" has the right to exist. But we live at the same time long enough. So it's worth taking care to do it in comfort. If you have important goals in front of you — housing, pension, education — you should not change them for momentary pleasures.
If you are completely satisfied with your life, you can do nothing. No one is obliged to leave their comfort zone (especially since it is so difficult to get there) simply because they are constantly shamed by motivational public posts on Instagram*. But if you don't like something in life, it's never too late to try to fix it. For example, Colonel Sanders, the creator of KFC, became a millionaire after 60. Chef Julia Child released a book, gained fortune and popularity at the age of 50.
And in the end, it is a sin to indulge in despondency when there are other sins.
