Each of us wants to live with dignity. A decent life includes, among other things, a certain level of wealth. If earlier, 30-40 years ago, wealth and capital were considered something almost indecent, now they are components of success. You have received a good education and seem to have found a good job, but you have not been able to increase your capital yet. How to get out of this situation?
Instructions
Step 1
First of all, determine how your salary in the company where you work relates to the average salary of a specialist of your level. It is not difficult to do this: programs - "salary meters" exist on job search sites. It's good if your salary is above average. If it does not differ from the market average or even less than it, and you should not wait for the prospects of an increase in this company in the near future, then it may be worth considering a job change. Some people fear that frequent job changes could damage their careers. Many companies believe the same, but staying up where you have neither career nor money prospects is still not worth it.
Step 2
Even if your salary is quite high, it will be useful to think about further prospects for your career growth. What if the position you are currently occupying has no prospects? Undoubtedly, as a valuable employee, you will receive a small increase in salary every year, but is this your goal?
An addition of 10,000 rubles a year is unlikely to greatly increase your capital, in addition, you may miss out on an opportunity to develop in terms of a career. Therefore, it is always a good idea to browse job search sites from time to time, add interesting vacancies to your favorites, visit the sites of prestigious companies. For example, if a prestigious company A requires a specialist of a level slightly higher than yours and with knowledge of a foreign language, then, having studied a foreign language and gaining work experience, you can send a resume there and get a job. Which will undoubtedly pay well.
Step 3
Working for a company is not the only way to increase your capital. If you have an idea for creating a certain product or service, or simply if you are a good specialist in your field and know many people who would benefit from your services, then you could organize your business. It is worth remembering that business is not always the key to success, many people lost money starting a business, but if you have the necessary knowledge, a bright idea or a good client base and the ability to "sell" your services, then this is probably the best way. to increase capital for you.
Step 4
Some people prefer to combine work in their specialty in the office and part-time work (often a hobby). Managers and entrepreneurs lecture at universities. Women with a certificate in hairdressing or make-up courses work in the office during the day (for example, in the accounting department), and in the evenings and on weekends they do hair and makeup for clients at home or at their place.
Many students and young professionals are engaged in tutoring - "pull up" schoolchildren in a particular subject. It happens that such a side job captures a person so much that it becomes his work in his life. Of course, in order to work like this, you must have the strength to spend your free time not on rest, but on such additional work. However, if you have firmly set yourself the goal of increasing your capital, then you can certainly do it.
Step 5
There are examples when people increased their capital, doing almost nothing for this. They simply analyzed their budget and decided that a lot of money was being wasted. To see how justified your spending is and what you could give up for the sake of increasing capital, it is enough to download the program "Home Bookkeeping" or just keep a table of income and expenses. Of course, the transition to a more economical way of life is not always easy, but it can be effective if you need to save money for a specific purpose. In such cases, for the sake of an important goal, almost everyone agrees to "suffer" a little.
Step 6
Despite the cautious attitude instilled in us in the 90s about investing in securities, a lot of people are now engaged in investing in stocks and bonds. For this, contrary to stereotypes, it is not at all necessary to be a millionaire. Most people who receive income from investing in securities are simply financially literate.
To increase your level of financial literacy, it is enough to read at least a few books on this topic, for example, "The ABC of Financial Literacy" by V. Avdenin, "The Way to Financial Independence" by B. Schaeffer. These books will change your thinking and teach you to look at money differently. You will no longer be afraid to save or invest, as well as listen to common advice like "money must be spent right away!" In addition to investing, they describe almost all of the above ways to increase your capital.
