There are three basic rules for financial freedom. The first and most important of these is the absolute lack of discipline. The second is the effectiveness of the means and the third is getting value for money. These three rules sound so incredibly simple that anyone seems to understand it. In fact, no more discipline than you can afford to spend, effectiveness means focusing more on what is more important and less on what is important to spend less, and value for money means of avoiding unnecessary meansExpenditure. Is there something easier?
You will probably say: "This is common sense, Mr. Mihai Cuza, it is no secret here." But stop for a second and honestly: Do you really think these principles are absolute sense? And how many people you know, be really free to financially support? In fact, these days all the financial experts to learn how to claim more and more attractive nice problem credit packages you are enslaved even deeper. I am no enemy ofCredits. On the contrary, I know that we, the general well-being today, especially on this wonderful opportunity to borrow money. But we must be just, if you pay a loan for your home, in economic terms, that house is not an advantage for you is the bank capital. For you, is nothing more than a liability, as long as we need money from his pocket rather than all for you. What I am saying is it, the credits, you really need to get, but it is a disciplined first!
Easy to say and difficult todo I know. But here are 7 simple steps anyone can follow are, from today.
1. Put your financial situation on paper. O Hundreds of years of experience show that it is totally impossible to manage your money in your head. To take a piece of paper and write only two numbers: how much you earn compared to how much you spent this month. Take the difference between the two and now you have your balance. Do this as often as possible, because if there is one single most important reason whyPeople is unbalanced, that they do not know what their balance.
2. A maximum amount that you spend, you can be this month. Many people ask me how I know what should be this amount? If you found your balance right, you know. Only a limit set for less than you earn. It is so easy. The great mystery is here to this border before any calculations on how much you want or need to spend. Put simply the number down and then absolutely commit yourselfContext, no matter what happens. That is the discipline. The next steps will you financially through the process of managing within these limits.
3. Fix your fixed expenses. This is just another way to say that no bill, you should surprise him. You have to admit that you are not yet quite ready to receive invoices. Would not it be easier if you get all the bills, which at one time on your payday? Think of it. Well, they may not send the bills on the same day, if you have to pay ifthem out, but that does not mean that you can not intervene as they were. Just pretend it apart and make a reference.
4. Set your priorities. This is not as difficult as it may sound, and is very important, I can assure you. If you spend only your most important goals, to do for the (on paper trick you again not with daydreams) your money will tend to especially what will really matter for you, and it will not be lost on unimportant areas. Someone I know came one day with thisWeight list:
"$ 2.00 - Newspapers
$ 5.00 - sandwiches and coke
$ 4.00 - Flower
$ 450.59 - different things "
He did not even know remember what he spent! And that is as real as you and me. I know you do not want to end up like this guy. So, you have your spending priorities on paper.
5. Allocate amounts according to your priorities. This is as natural as more money for holiday gifts in December and in July, but few people actually do it consciously.Even if you have not been recovered, at least make sure you spend on what is important to you. Incidentally, you can not correct that without a written allocation of the amounts (sound familiar?).
6. Get value for money. This is similar to saying that you are sure that the product or service do you need to buy is worth much more than the money spent on them. Of course, this rule does not apply to drug abusers. A good way to value you get for your money is to check on it again soon to look overon the list of priorities, you have just done.
7. Enjoy the process. Make up creative ways to have fun, while the monthly financial planning. You can, for example, a financial genius put the economy in order to present a half hour, and hey, who knows, you can only have one.
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