To become rich, that is, to have funds not just to spend right and left, but as capital, the basis for further growth, it is important to change your view of money.
It is necessary
Discipline and ability to design for the long term
Instructions
Step 1
There is no extra money. And if you want to "accumulate capital", set aside some of the material assets at the beginning of the month when you receive income.
Step 2
Invest 10% of your income (at least put it on the card). To live on the remaining 90% is as easy or as difficult as 100%. 10% is a psychologically convenient share of income due to invisibility, which you can give up for the sake of a future fortune.
Step 3
Curb consumption growth and try to invest more over time. Let's say you get 20,000 rubles a month, therefore, you must invest 2,000 rubles (if you start at 10%). And if from the next month you start receiving 25,000 rubles? You are not yet used to the new cash flow, so it will be easier for you to increase your investment level. Now they will amount to 4,500 rubles. It turns out that for you this transition will feel as if your income increased not by 5,000 (25,000 per month), but by 2,500 (i.e. 22,500 per month) … However, investments increased by more than twice. At the same time, you do not deny yourself anything, but only spend more slowly. The growth of income is distributed between your expenses and investments (investments)
