Investments
Here's what to do first: a) determine a convenient time to reflect, and b) to calculate all the time had come for a sum of money, and c) to share all of this sum into two parts: the first part – the amount that would come to you to increase income (basis) and one that was added, we call it the additive. 2. All necessary expenses for food, utilities, mortgage payments, payment of recreation and entertainment "shaping" the basis. It is not possible? But before you have lived it for the money and nothing else … At least the first time to get used to the new money, not wasting them in vain. 3. Now we divide the supplement.
I propose to divide it as follows: a) 50% (half) – send them to an investment account at good interest rates. Truth, courage, and discipline, this step will require remarkable, but a few years you'll thank yourself for that which brings real cash flow, a habit. b) 10% – defer to unforeseen circumstances, c) 20% – spend on the "status costs. By the way, they can very dramatically reduce, if not to hurry "meet" a new position or a new environment. For example, in an expensive restaurant to order salad and mineral water: what each has its own tastes … d) 10% – spend on charity and to help friends and relatives, and e) 10% – personal spending on a favorite (favorite). Buy yourself something that could not afford before, but only within the amount appropriated.
If this amount is not enough, Think about how get out. For example, you wanted to make expensive repairs – make changes in the details. But it should be "little things" that will completely change the interior, make it fresher, more attractive. Or do you want new car – think, and whether it is possible to decorate the old so that cost and inexpensive, and it looked unusual, etc. Basic rule – live at the "old sum" and the "new money" used to it slowly, with caution. And now about what any Do not do this even if your income went up … well, very cool. 1. Show what you steep set of "Number of status." Indicators of status tend to have very high prices, disproportionate functional opportunities. 2. Dramatically change relationships with others. "I do not have a hundred rubles, and a hundred friends – always help out." How old is this folk wisdom! True, the best friends do not "have" and be friends with them in an amicable, good-naturedly. You never know what happens in life. This is because, by the way … broke … 3. Take new loans, not pay off old ones. New features "blind"! You would think that too is now something you can afford … In the euphoria you just can not calculate their financial capabilities. 4. Try to just "meet" the new environment. This is usually associated with such costs, which you do not even suspect. See also point 1. 5. Spend all revenues received, without delay of of "contingencies". All good things can come to an end. Remember this always. A bad easier to bear when a family has money. In sufficient quantity … That's all I wanted to say in this short article. Waiting for comments. Maybe you will have other suggestions?
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