Stop whining and take responsibility for your financial well -being on yourself.
This article can be listened. If you are more convenient for you, turn on the podcast.
Listen to how to become a millionaire on Yandex.Music
Why a million
Million – the cherished amount for many. Six zeros give savings status and tickle a sense of self -importance. But there are nuances.
Most likely, you are already a millionaire
If you add the cost of everything that you have right now, the total amount will exceed a million. Just not everything from your property is liquid. Say, your apartment will be bought quite easily and, most likely, you will go into plus. But furniture, clothes and so on, if they sell, then obviously with losses.
It turns out you had a million and you spent it.
Are these expenses always reasonable? Of course, no, you are not a biorobot. But definitely part of the spent could be saved or invested so that the money would be profitable. So do not rush to scribble angry comments that you will not get rich with your income.
A million is a little
With a salary of 20 thousand million looks an unattainable peak. Even if you kept the whole earned, you would have to save four years and two months. If you postpone 50 thousand per month, the term will be reduced to one year and eight months.
When the numbers come into business, a million does not look like such a huge amount.
To get a million, you need to turn the idea into a target. Perhaps this will be an extremely long -term task. But you will clearly understand how and when you can achieve what you want. You will have to draw up an action plan and follow it. And this is definitely more productive than whining.
The first million will be decisive
If you are a top manager of a state corporation with a salary of 500 thousand per month, then this is an exception to the rules. For the rest, a million will be a significant amount that will feel calmer and think about the investment of money.
Several hundred thousand of such magic do not have such magic, although there is a fairly small amount for investing. First you need to take care of the reserve fund that will feed you in case of unemployment or serious illness. Everything that exceeds a million is easier to consider excesses. They can be put into circulation.
And you will also feel psychologically completely differently. You are not on Forbes list, but you are real millionaire.
Why poverty is a habit
Perhaps you are used to scolding a government that works wrong and inserts you sticks into wheels. Consider that the rich can only become through theft and bribery, and you are honest and therefore poor. Wait for the fairy-item that arrives and turns your pumpkin into a huge state.
Proceed from the real situation. The state really has a lot of things for you, because you pay taxes. But it is not enough to resent enough to achieve justice. Some rich in dishonest way, and this is a crime. Others earn money legally, for example, with registration of IP and without SMS. But the latter work a lot. And you hope too much for the Fairy-Knevnaya, which does not exist.
Perhaps you really spend a lot of strength and do not get rich. But if nothing is done at all, everything will definitely end in failure.
Here are a few habits that do not allow to push off from the financial bottom and surrender to the surface of well -being.
1. You think finely
If you at least once watched a reality show about people from dysfunctional families, then you probably paid attention to such cases. The person does not get such a significant amount – 50–100 thousand . And he says: “Finally I can buy anything! I always dreamed about it “. It’s sad, but let’s leave aside emotions.
So that a person has desires, he is enough 50 thousand. Does he have a motivation to try if the bar is so low? Everything seems to be better for you, but not much. You turn into a dream of your whole life, which can be achieved in a couple of years or faster.
Start thinking more, as if you have no restrictions. Determine the frames later.
2. You do not set goals
While you are lying on the couch and dreaming of getting rich, this is an empty pastime. To get hold of it, if we count in x? What do you have to do to get closer to the goal? What stages are it appropriate to highlight in order to go to a bright future faster?
You may have goals, but you didn’t choose them. This is the other side of the same coin. You try to buy a car because you need to. But never thought about whether you personally need it.
To let life a self and be dissatisfied with it is much easier than to at least try to control it.
3. You spend all the money
The typical habit of a poor person: as soon as additional income appears, this money is instantly spent. At first it was because of the need-the funds were simply not enough. Later, the usual is transferred to higher earnings.
The phrase “I don’t understand where the money is going”. The legs grow from here. It is very easy to figure out where the earnings disappears. You just need to follow the costs.
4. You are completely satisfied with what is
If you are taking any steps, then only after a magic pendel from a family or employer. But so you do not become more successful.
No one is obliged to pull you. If everything is bad for you, then guess who is to blame for this? You.
5. You do not take responsibility
This begins with trifles and applies to more important solutions. You never admit your guilt and are always looking for an involved in your failures. You are late because of traffic jams, did not advance because of the boss-fool, cheating, because the partner stopped following himself.
As for money, there is a direct connection between willingness to take responsibility, the quality of life and the size of earnings. Millions will not sprinkle on you as soon as you change your attitude to life. But the chances of putting at least a small condition will be more.
6. You are afraid to take risks
The proverb about the tit in the hands is driven into our subcortex from childhood and prevents us from achieving successes. This is not the best guide to action.
If you have an average job and a salary, then quit everything and start something new is scary. You can lose good in pursuit of the best. But think about the future: are you ready to be content with this normal all your life?
No one calls to rush into the pool with his head. Any risky action should have grounds, calculations, calculations that increase the chances of success. But you need to do it anyway.
How to increase income
Grow professionally
To be paid a lot, it is not necessary to go to it. You may have a working profession, but you must be unique in it. If you fulfill your tasks better than others, they will pay you. They will look for you and lure you into your company for a large salary if you are worth it. But you have to invest in yourself, work hard and study a lot.
Open your business
Waiting work is relatively stable and reliable. But you always have a ceiling of earnings measured by a salary and in some cases a bonus. This is plus or minus a constant amount.
You begin to control your income when it directly depends on the efforts made. For example, you are a digger. If you work for the salary, no matter how much you dug. The salary will be the same. With a piece, you can dig a trench in 10 meters per 1 thousand or 30 meters for 3 thousand per day – everything is in your hands.
Your business is not a walk around the chamomile field. Rather, the path along a slippery path in the middle of the swamp on stilts and with three bags of cement on the shoulders. And everything around is on fire. But if you feel the right road, there is a chance to get to hard land, build a house from cement and fry the steak on that terrible fire.
Offer something new
Look at all these youths-millionaires who for some reason flash in the news. Do not look at the children of billionaires. We are interested in startups, inventors and other guys who sell their projects to sharks of business or successfully steer them themselves.
Their ideas shoot because they are new. Or old, but re -powered so that people still are delighted. It’s difficult to offer this. If for thousands of years BC it was enough to roll the wheel to the tribesmen, now you will have to think about the project longer. And yet the field for inventions remains.
Search for passive income
Optimal output: while you earn money, something else replenishes your pockets. And if you stop working, a passive source of income will not stop.
💰
- 12 ideas, how to receive passive income
What to do with money
According to the General Director of the financial aggregator “compare.Ru “Sergey Leonidov, the opinion that it makes sense to think about investments starting from a high amount is a myth. Even 1 thousand can be invested in several ways. So start small. But you need to learn several basic rules:
- Understand what level of risk you are ready. The higher the risk of a financial instrument, the greater its profitability. Before investing money in the stock market, decide for yourself whether you are ready to lose it. If not, it is better to find options with a fixed income. The easiest is the contribution.
- Determine the deadline for which you invest money. In the short term, actions can be cheaper, and the market can fall. But with a long time they usually grow. If you need investments in a year, then it is better not to experiment with the stock market.
- Never invest in something that you are not versed. If even after studying the issue, you do not understand what the tool brings income, it is better not to invest in it. There is a risk that this is a financial pyramid.
Among the simplest working tools to increase the savings, Sergei Leonidov calls the following.
Contribution
Some Russian banks accept deposits from 1 thousand, although the generally accepted minimum threshold leaves 10 thousand . The rate, depending on the amount, almost does not change. Now the profitability of deposits for a year is a little more than 8% per annum.
Risks: low profitability that may not block inflation.
Risk ⌛️
- How to choose a contribution to get more profits and fewer problems
Maps with percentage for the rest
Many banks produce cards, on the remainder for which interest is accrued. Option for those who may need money during the year. If you close the contribution ahead of schedule, then in most cases interest will burn. This will not happen with cards. But the percentage of them is usually lower than the deposits.
Risks: Unlike the contribution, where the rate is spelled out in the contract and is valid for the entire term, the percentage of the balance can change at any time.
Savings account
Another deposit analogue. For many banks, you can open a cumulative account right in the application and close at any time without losing interest already earned. Typically, bets on it coincide with the percentage of the rest. The convenience is that the money is isolated and you will not spend it accidentally.
In addition, many banks can configure automatic replenishment. For example, once a month from a salary. A good option for those who are not confident in their financial discipline.
Risks: as well as on a card with a percentage of the remainder, the rate on the funded account may change.
Pyths
Payer investment funds (PIFs) are a designer of several promotions or bonds, which draws up a management company. An investor can buy one share. The price starts from a few hundred . Subsequently, this share can be sold – at increased value, if all this time your shares and bonds brought income.
Risks: It is necessary to pay the company’s remuneration every year, even if the fund suffers losses.
ETF
This is a tool like an instrument invented abroad. It usually copies an exchange index, for example, American technological companies. Indices are usually growing, so this tool is considered the most reliable in the stock market for a simple investor. In Russia, ETF is easiest to buy through the applications of brokerage companies. In all cases there is a service commission.
Risks: In the short term, falling the course is possible.
Bonds
Bonds are produced by companies, Russian regions, and even the Russian Federation itself. If you do not want to understand the intricacies of this tool, you can open an account with a broker. Large maclers have consultants who will tell you how everything works and help you choose bonds. For the purchase you will need a brokerage account. As a rule, you have to pay for its maintenance. There are still commissions for the purchase of papers. Their amount depends on the tariffs of the broker.
Risks: unpredictable yield, bankruptcy of the issuer’s bond.
Credit to business
You support someone else’s business with a ruble and get gratitude for this in material equivalent. Now there are several sites where an ordinary person can borrow money to business. As a rule, this is from 10,000 to 500,000 . For example, the “stream” of Alfa Bank, “City of Money”, Ozon.Invest is the service of the OZON online store, which should earn in the usual mode in 2019. Sberbank launches a similar service.
Risks: defaults of the companies to which you borrowed money.
What is needed to become a millionaire
- Stop whining and start acting.
- Pissing to another way of thinking.
- Learn to set goals and take risks.
- Do not stop halfway and achieve your goals.
- Fare out with mathematics and analytics – if you do not reinforce your actions in numbers, this is the road to nowhere.
- Study investment tools and try different options.
- Be prepared for the fact that the path to wealth is long and filled with restrictions and arable.
- Stop envious to those who got rich easily: you did not succeed. Take yourself in your hands and look for your way.
This article can be listened. If you are more convenient for you, turn on the podcast.
Listen to how to become a millionaire on Yandex.Music
Why a million
Million – the cherished amount for many. Six zeros give savings status and tickle a sense of self -importance. But there are nuances.
Most likely, you are already a millionaire
If you add the cost of everything that you have right now, the total amount will exceed a million. Just not everything from your property is liquid. Say, your apartment will be bought quite easily and, most likely, you will go into plus. But furniture, clothes and so on, if they sell, then obviously with losses.
It turns out you had a million and you spent it.
Are these expenses always reasonable? Of course, no, you are not a biorobot. But definitely part of the spent could be saved or invested so that the money would be profitable. So do not rush to scribble angry comments that you will not get rich with your income.
A million is a little
With a salary of 20 thousand million looks an unattainable peak. Even if you kept the whole earned, you would have to save four years and two months. If you postpone 50 thousand per month, the term will be reduced to one year and eight months.
When the numbers come into business, a million does not look like such a huge amount.
To get a million, you need to turn the idea into a target. Perhaps this will be an extremely long -term task. But you will clearly understand how and when you can achieve what you want. You will have to draw up an action plan and follow it. And this is definitely more productive than whining.
The first million will be decisive
If you are a top manager of a state corporation with a salary of 500 thousand per month, then this is an exception to the rules. For the rest, a million will be a significant amount that will feel calmer and think about the investment of money.
Several hundred thousand of such magic do not have such magic, although there is a fairly small amount for investing. First you need to take care of the reserve fund that will feed you in case of unemployment or serious illness. Everything that exceeds a million is easier to consider excesses. They can be put into circulation.
And you will also feel psychologically completely differently. You are not on Forbes list, but you are real millionaire.
Why poverty is a habit
Perhaps you are used to scolding a government that works wrong and inserts you sticks into wheels. Consider that the rich can only become through theft and bribery, and you are honest and therefore poor. Wait for the fairy-item that arrives and turns your pumpkin into a huge state.
Proceed from the real situation. The state really has a lot of things for you, because you pay taxes. But it is not enough to resent enough to achieve justice. Some rich in dishonest way, and this is a crime. Others earn money legally, for example, with registration of IP and without SMS. But the latter work a lot. And you hope too much for the Fairy-Knevnaya, which does not exist.
Perhaps you really spend a lot of strength and do not get rich. But if nothing is done at all, everything will definitely end in failure.
Here are a few habits that do not allow to push off from the financial bottom and surrender to the surface of well -being.
1. You think finely
If you at least once watched a reality show about people from dysfunctional families, then you probably paid attention to such cases. The person does not get such a significant amount – 50–100 thousand . And he says: “Finally I can buy anything! I always dreamed about it “. It’s sad, but let’s leave aside emotions.
So that a person has desires, he is enough 50 thousand. Does he have a motivation to try if the bar is so low? Everything seems to be better for you, but not much. You turn into a dream of your whole life, which can be achieved in a couple of years or faster.
Start thinking more, as if you have no restrictions. Determine the frames later.
2. You do not set goals
While you are lying on the couch and dreaming of getting rich, this is an empty pastime. To get hold of it, if we count in x? What do you have to do to get closer to the goal? What stages are it appropriate to highlight in order to go to a bright future faster?
You may have goals, but you didn’t choose them. This is the other side of the same coin. You try to buy a car because you need to. But never thought about whether you personally need it.
To let life a self and be dissatisfied with it is much easier than to at least try to control it.
3. You spend all the money
The typical habit of a poor person: as soon as additional income appears, this money is instantly spent. At first it was because of the need-the funds were simply not enough. Later, the usual is transferred to higher earnings.
The phrase “I don’t understand where the money is going”. The legs grow from here. It is very easy to figure out where the earnings disappears. You just need to follow the costs.
4. You are completely satisfied with what is
If you are taking any steps, then only after a magic pendel from a family or employer. But so you do not become more successful.
No one is obliged to pull you. If everything is bad for you, then guess who is to blame for this? You.
5. You do not take responsibility
This begins with trifles and applies to more important solutions. You never admit your guilt and are always looking for an involved in your failures. You are late because of traffic jams, did not advance because of the boss-fool, cheating, because the partner stopped following himself.
As for money, there is a direct connection between willingness to take responsibility, the quality of life and the size of earnings. Millions will not sprinkle on you as soon as you change your attitude to life. But the chances of putting at least a small condition will be more.
6. You are afraid to take risks
The proverb about the tit in the hands is driven into our subcortex from childhood and prevents us from achieving successes. This is not the best guide to action.
If you have an average job and a salary, then quit everything and start something new is scary. You can lose good in pursuit of the best. But think about the future: are you ready to be content with this normal all your life?
No one calls to rush into the pool with his head. Any risky action should have grounds, calculations, calculations that increase the chances of success. But you need to do it anyway.
How to increase income
Grow professionally
To be paid a lot, it is not necessary to go to it. You may have a working profession, but you must be unique in it. If you fulfill your tasks better than others, they will pay you. They will look for you and lure you into your company for a large salary if you are worth it. But you have to invest in yourself, work hard and study a lot.
Open your business
Waiting work is relatively stable and reliable. But you always have a ceiling of earnings measured by a salary and in some cases a bonus. This is plus or minus a constant amount.
You begin to control your income when it directly depends on the efforts made. For example, you are a digger. If you work for the salary, no matter how much you dug. The salary will be the same. With a piece, you can dig a trench in 10 meters per 1 thousand or 30 meters for 3 thousand per day – everything is in your hands.
Your business is not a walk around the chamomile field. Rather, the path along a slippery path in the middle of the swamp on stilts and with three bags of cement on the shoulders. And everything around is on fire. But if you feel the right road, there is a chance to get to hard land, build a house from cement and fry the steak on that terrible fire.
Offer something new
Look at all these youths-millionaires who for some reason flash in the news. Do not look at the children of billionaires. We are interested in startups, inventors and other guys who sell their projects to sharks of business or successfully steer them themselves.
Their ideas shoot because they are new. Or old, but re -powered so that people still are delighted. It’s difficult to offer this. If for thousands of years BC it was enough to roll the wheel to the tribesmen, now you will have to think about the project longer. And yet the field for inventions remains.
Search for passive income
Optimal output: while you earn money, something else replenishes your pockets. And if you stop working, a passive source of income will not stop.
💰
- 12 ideas, how to receive passive income
What to do with money
According to the General Director of the financial aggregator “compare.Ru “Sergey Leonidov, the opinion that it makes sense to think about investments starting from a high amount is a myth. Even 1 thousand can be invested in several ways. So start small. But you need to learn several basic rules:
- Understand what level of risk you are ready. The higher the risk of a financial instrument, the greater its profitability. Before investing money in the stock market, decide for yourself whether you are ready to lose it. If not, it is better to find options with a fixed income. The easiest is the contribution.
- Determine the deadline for which you invest money. In the short term, actions can be cheaper, and the market can fall. But with a long time they usually grow. If you need investments in a year, then it is better not to experiment with the stock market.
- Never invest in something that you are not versed. If even after studying the issue, you do not understand what the tool brings income, it is better not to invest in it. There is a risk that this is a financial pyramid.
Among the simplest working tools to increase the savings, Sergei Leonidov calls the following.
Contribution
Some Russian banks accept deposits from 1 thousand, although the generally accepted minimum threshold leaves 10 thousand . The rate, depending on the amount, almost does not change. Now the profitability of deposits for a year is a little more than 8% per annum.
Risks: low profitability that may not block inflation.
Risk ⌛️
- How to choose a contribution to get more profits and fewer problems
Maps with percentage for the rest
Many banks produce cards, on the remainder for which interest is accrued. Option for those who may need money during the year. If you close the contribution ahead of schedule, then in most cases interest will burn. This will not happen with cards. But the percentage of them is usually lower than the deposits.
Risks: Unlike the contribution, where the rate is spelled out in the contract and is valid for the entire term, the percentage of the balance can change at any time.
Savings account
Another deposit analogue. For many banks, you can open a cumulative account right in the application and close at any time without losing interest already earned. Typically, bets on it coincide with the percentage of the rest. The convenience is that the money is isolated and you will not spend it accidentally.
In addition, many banks can configure automatic replenishment. For example, once a month from a salary. A good option for those who are not confident in their financial discipline.
Risks: as well as on a card with a percentage of the remainder, the rate on the funded account may change.
Pyths
Payer investment funds (PIFs) are a designer of several promotions or bonds, which draws up a management company. An investor can buy one share. The price starts from a few hundred . Subsequently, this share can be sold – at increased value, if all this time your shares and bonds brought income.
Risks: It is necessary to pay the company’s remuneration every year, even if the fund suffers losses.
ETF
This is a tool like an instrument invented abroad. It usually copies an exchange index, for example, American technological companies. Indices are usually growing, so this tool is considered the most reliable in the stock market for a simple investor. In Russia, ETF is easiest to buy through the applications of brokerage companies. In all cases there is a service commission.
Risks: In the short term, falling the course is possible.
Bonds
Bonds are produced by companies, Russian regions, and even the Russian Federation itself. If you do not want to understand the intricacies of this tool, you can open an account with a broker. Large maclers have consultants who will tell you how everything works and help you choose bonds. For the purchase you will need a brokerage account. As a rule, you have to pay for its maintenance. There are still commissions for the purchase of papers. Their amount depends on the tariffs of the broker.
Risks: unpredictable yield, bankruptcy of the issuer’s bond.
Credit to business
You support someone else’s business with a ruble and get gratitude for this in material equivalent. Now there are several sites where an ordinary person can borrow money to business. As a rule, this is from 10,000 to 500,000 . For example, the “stream” of Alfa Bank, “City of Money”, Ozon.Invest is the service of the OZON online store, which should earn in the usual mode in 2019. Sberbank launches a similar service.
Risks: defaults of the companies to which you borrowed money.
What is needed to become a millionaire
- Stop whining and start acting.
- Pissing to another way of thinking.
- Learn to set goals and take risks.
- Do not stop halfway and achieve your goals.
- Fare out with mathematics and analytics – if you do not reinforce your actions in numbers, this is the road to nowhere.
- Study investment tools and try different options.
- Be prepared for the fact that the path to wealth is long and filled with restrictions and arable.
- Stop envious to those who got rich easily: you did not succeed. Take yourself in your hands and look for your way.