Have you received an unexpectedly large inheritance, won the lottery, or found a treasure? It doesn't matter how this amount got to you, it is important to understand how to dispose of it, if you are not a businessman or a financier, and in general, to be honest, you have never seen such sums and even dreamed of them. Of course, it is tempting to either go on a round-the-world trip, then spend everything on arranging a summer residence, or even do charity work in general. But how can you not just spend money, but make it work for yourself?
It is necessary
First of all, go to the bookstore to purchase the following and similar books: "Capital from scratch or the Path to financial freedom in Russia" and "Beware: stocks! Or the truth about investing in Russia" by G. Erdman. The names may put you on your guard, but believe me, these flashy covers and titles really hide useful information
Instructions
Step 1
Are planning! It all starts with a plan, and a written one - it’s more convenient to formulate and structure your thoughts. A sheet of paper, a pen and a cup of fragrant coffee are in front of you. It's time to focus and decide what your priorities are.
Step 2
Exactly how much money do you have? Now that you have decided on your priorities, you can divide the available amount - depending on your goals.
Step 3
If you are an entrepreneur by nature, then the "round" amount will help you start your own business. Of course, money is not the determining factor, after all, if you do not know how to manage a business, you can simply lose it. However, at the initial stage, you will get rid of an important problem - finding a loan on favorable terms or an investor. For those who want to start their own business, there is a very informative portal - www.bishelp.ru
Step 4
For those who prefer to receive passive income, it is easiest and safest to recommend opening an account in a good bank and living on "interest." This method has one drawback: the percentages are usually low.
You can gradually increase your capital (perhaps you still do not have enough for a villa by the sea, which you dream about so often?) By investing in securities, for example, in stocks. This method is the most controversial in Russia. Every second person you know will tell you that you are crazy and immediately lose every penny. Investing in securities is indeed much more risky than opening a bank account. However, do not rush to listen to alarmists. Firstly, many of them do not understand the difference between speculation on the stock exchange (as a result of which many are just losing money) and investing. Secondly, it is always easier to find a reason why it is not worth doing something, rather than why it is worth doing it.
Step 5
Surely your knowledge of securities and investing is pretty little. Do not be lazy - read books on this topic. Many of them are written in quite accessible language, for example, "Beware: Stocks! Or the Truth About Investing in Russia" by G. Erdman. This will make it easier for you to make the right decision.
Step 6
Charity is a common thing in civilized European countries. We still have a lot of skepticism about donating money to nursing homes, animal shelters, and environmental funds - well, that's the mentality. If you do not belong to such skeptics and want to help any organization, it is better to independently control where your money will go. Transferring a certain amount personally to the director of a nursing home to improve the living conditions of the elderly can sometimes mean improving the living conditions of the director alone.
Step 7
And once again about books. Unfortunately, nowhere - in any schools and universities - do they teach financial literacy. People often do not know anything about bank accounts, securities, or investing. Therefore, engage in self-education, and for this buy and read books. Start with the simple and popular, then after you have a general understanding of the subject, it will be easier to perceive more complex information.
In addition, books teach positive thinking. To change your life, you first need to change your thinking.
