How to change financial habits, parents laid
Get Rich / / December 20, 2019
Our attitude to money is largely made up of the views of parents, whether they spend everything to the penny or cherish revenues for a rainy day. If you decide to change your financial habits, try these tips.
Recognize the problem
If you're reading this, it is already on the right track. You realize that your attitude toward money wrong and needs to change. Alexander Lowry (Alexander Lowry), a finance professor from Gordon College, says that the first step towards positive change - the recognition of the problem and a change of consciousness.
Alexander Lowry, professor of financeDo not be guided by the rules laid down in childhood and installation. Expose them to doubt, try to think differently. It is difficult, but eventually you will stop thinking patterns.
Ask questions
Karen Lee (Karen Lee), a certified financial planner, advises asking yourself how to do with money affects your life. Questions can be different. For example, if you have drives it in debtsWhether it affects the relationship with a partner, whether hinders progress in life. This will allow to find out the reasons for your dissatisfaction with the current situation and to form a new financial habits.
Karen Lee, a certified financial plannerDetermine financial setting, which you have inherited from your parents. Ask yourself why they have a negative impact on your life. Nice to make a complete list of money management techniques, which, for you are no longer relevant.
Find a financial mentor
Changes in the financial behavior of the model - a complicated matter, so take the person to whom this plan you can trust. Take his example, use it to learn to think otherwise.
Karen Lee, a certified financial plannerTeaching financial literacy is accompanied by certain difficulties. Awareness of how little you know about it, you can suppress. You will need a mentor that can lead thinking in order.
Go to related sites, read the advice of experts in the field of finance or ask for help from a friend who handle money properly. Do not hesitate to ask questions.
Create a financial safety cushion
You've heard this advice a million times, but what to do if it does not lose its relevance. Get ready for the difficulties at this stage, if earlier the family was not in the habit save money. Perhaps parents loved just spend the entire salary. Perhaps as a child you are spoiled, so now you think that you need to buy everything you want. But no matter how hard it was to be reconstructed - do it. With each paycheck delay a couple of thousand rubles and learn to live under the new rules.
forgive parents
You can be angry with them for the wrong financial habits. They may be angry with you to live by their rules for their reluctance. Parents can not accept your new settings, for which you will be angry with them even more. Forgive them. And himself. After all, the you too can get angry, because the process takes longer than we would like.
see also
- 4 key financial questions that you need to know the answers →
- 7 reasons to start a piggy bank, even if you are already an adult →
- How to teach a child to handle money →