Who among us does not dream of becoming rich? Often, you yourself, your behavior, your attitude to life are an obstacle to your wealth. Without addressing psychological factors, such as the lack of a goal to become rich or the fear of being rich, then the reasons may be the simplest things that are not so difficult to cope with. Let's consider the main ones.
Instructions
Step 1
You spend too much
Many people now have credit cards and use them periodically. It is good if you immediately close the debt that has formed on the card. But it happens that you do not control your costs, the debt grows every month, and you cannot close it. Even if you regularly pay the minimum payments, you will spend a lot of money and time until you pay off the entire debt.
To curb your spending, start tracking what you spend your money on each month. Try to focus on non-essential areas where you can cut costs. Then create a realistic budget that includes only the essentials.
Step 2
You save too little
Or maybe you don't save money at all. Saving money is a good habit. After all, everyone in stock should have some amount of money for emergency needs or the purchase of something. Get yourself a piggy bank.
Step 3
You pay a lot of fees
Late payment penalties, bank charges, credit card charges - individually, these amounts may seem insignificant. In the end, even an expired library book or DVD will also make you spend a couple of dozen rubles. Try not to bring the matter to fines and pay all payments on time.
Step 4
You walk past the money
Would you walk past a hundred ruble bill on the sidewalk? Of course not. You would bend over and pick her up. So why are you passing by other opportunities to get paid? If you work as a salesperson in a hardware store and have been asked to carry your purchase to your car for a small fee, don't refuse. Of course, this will not improve your financial condition, but with this money you can replenish your piggy bank.
Step 5
You buy everything new
New is good, but often not the best investment. Take cars for example. According to various estimates, some experts claim that a new car loses about 20% of its value immediately after purchase and more than 30% during the first two years. You can make a profitable purchase by researching local sales sites. This applies not only to cars, but also to furniture and clothes, especially for children, which tend to quickly become small.
Step 6
You don't invest in yourself
This is possibly the biggest obstacle on your path to wealth. If you don't invest in your education, training, and personal development, you are limiting your ability to make more money in the future.
Consider taking courses online to enhance your knowledge of your profession. If you don't have a college degree, consider whether it might be worth it.
