13 sentences that deter money

1. Why read a contract, they are all standard. I sign!

Read contracts from start to finish - the habit is even more useful than cleaning your teeth. Because if you just ignore one toothbrush, nothing happens. But one unread contract can leave you without money and property.

Do not treat lightly securities. Arguments "I do not know" and "I have not read" in primary school are not considered conclusive.

Signature under the contract means that you have read the terms and agree with them, even if it is not.

So be prepared one day run into unfavorable credit terms, hidden charges, Commitments which you are not able to perform. Or forget the phrase standard contracts.

2. But how you can save and maintain a budget with a salary of 15 thousand!

Virtually every article about the savings you find commentators who ask how and why they need to save, if the income is enough only for the essentials. However, if a person with a high income could afford more concessions, it requires just a small salary is reasonable to treat spending.

A life of austerity is hard and boring, but if money is not always enough, it can not be called a perpetual holiday. So it will have to work on two fronts: to lead finance accounting and increase revenue.

3. Total 100 rubles, except money!

Themselves $ 100 really is not the amount that a fatal effect on your budget. But if you say that phrase more than once a month, you should consider its approach to finance.

Layfhaker already I wroteHow life can change if postpone $ 100 per day.

4. What a marriage contract? We have the same love!

Today you love and you listen closely to the wishes of each other, but at the time of divorce, everything will change. So if you had something to save before going to the registry office, go to a lawyer and make marriage contract.

After all, if you love, at this stage it will be clear how you fair in the division of property and whether each other's interests into account. So that a prenuptial agreement to protect you and the loss of money, and by the wrong choice of partner.

5. Let's arrange an apartment for my mother-pensioner, pay less tax

Your young family had been saving money for a long time, you will financially help parents on both sides, you are buying an apartment. And then it's being fatal phrase that peppered care about your money. Sounds logical, after all, it is this apartment and then get a spouse by inheritance.

In this scheme, too many pitfalls to agree on it.

For example, you can not sell an apartment, because it is not yours. The situation with the legacy, too, is ambiguous: on the property of someone else's mom will claim her husband, other children, and the true owners of a piece of property can get it.

Apartment in a divorce and did not get into the property, which will have to share: she a stranger. History knows cases where one spouse managed to buy an apartment in the pre-marital saving another and arrange an apartment for his mother. So keep your belongings close to you.

6. Why will? Family well, all will divide fairly

The phrase founders of misconceptions about the marriage contract. You brothers and sisters live in perfect harmony, and believe that everything will be like my mother wanted: apartment to someone who it is already live, garage and cottage - another well, and the third no matter what does not claim, she bought a separate housing.

Oral agreement and the bad that they are easily broken.

Is a good chance that the property will have to be divided into equal parts among the heirs, and no one will take into account, to whom and how much money is given in advance, and how it is distributed.

Will It is necessary not only for older people. Let's say you are married, you have to share ownership in the parent's apartment. If you die, the spouse can claim a portion of your piece of property. Even if you are completely surrounded by good people, parents will still have to be nervous. It is unlikely that you want it.

7. Just think, credit for two years, but the new iPhone will get now

Lending - a useful tool if you use it wisely. For example, you have a broken refrigerator. He somehow exactly what you need right now, otherwise you'll have to eat just anything. In this case, to borrow appropriate.

The latest model of phone to the need to spend so not the case, especially if you have in your pocket penultimate. In addition, it is important to decide: you need it due to some extraordinary functionality or because the new? To the status of things as a whole should be treated with caution: they still do not have your group in a privileged, if you buy them in credit.

8. We're friends, give me a bill, pay for all

What is good in Hollywood movies, does not always work in your life. The bar under the influence of alcohol you feel cool and generous, and will tomorrow hold those same friends on bread. Compare their desires with reality, before demonstrating consistency.

9. You give, as you can

debts - slippery topic, because it is unclear how to negotiate for the return of money to have continued to be considered a good friend and relative, rather than a greedy moneylender.

However, if the person taking the money, does not specify the term of repayment, then do it yourself. To ask for a large sum of receipt. This is normal, because people went to you, not to the bank, where he would ask for more guarantees.

10. That the people were not ashamed

Are you sure you have read the horror stories about poorer families, where graduates are thrown off by 100 thousand to a banquet, at wedding budget really had to take a house on the coast, and parents were starving for months to buy your child something status.

Here there is inadequate spending, but there are also less obvious things that round down the amount is not necessary.

Live within your means is not a shame, but there people think - their problem.

11. I'm not scandalous person, let it be on his conscience

You regularly cheated cashiers, you have repeatedly handed over defective products, you cheated at the conclusion of contracts, and you're willing to put up with it in the future. Just do not love to swear, and it is useless. And instead of a faulty TV just buy a new one.

This passive attitude definitely makes you lose money and faith in justice. People who violate your rights, do not have a conscience, but you should learn how to protect their interests. In the end, the TV can be returned under warranty, and the cashier point out the error.

12. Once live!

You save up to an initial fee apartment and is already getting to the desired amount, but bogged down and spend the savings on a game console, mobile phone and vacation. Because housing - term objective associated with austerity and mortgage, and the joy of shopping, you can get right now.

The nuance is that life, though one, but a long (if you're lucky) and unpredictable. And if you now do not think about how you will live 20 years, and then can be very bitter.

13. Yes, a small salary, but quietly

Do you offer a promotion, but you do not agree: a new place to work should be more responsible above. All not make any money.

Rejecting the proposal earn more, You are not just marking time, and lose money as inflation devalues ​​them. If nothing is done, the salary will not be soon enough to maintain the lifestyle to which you are accustomed.