30 financial tips to help you become richer

Photographer and blogger Eric Kim (Eric Kim) I toldAs a change of attitude towards money has helped him to achieve financial stability. He grew up in a poor family, often do not know whether they will be able to pay the rent or the end of the month they will stay in the street. He had to watch as over money quarreling relatives and friends.

Now he owns his own business and no longer lives from paycheck to paycheck. He did not become a millionaire, but has reached a level where it is not necessary to think about finances. Kim shared tips that would give myself 18. Perhaps they will be useful to you.

1. If you convince yourself that the thing you need, do not buy it

One of the major financial mistakes - to buy things unnecessarily. We often do so: buying new clothes, phone or computer, just to keep up with the others and feel fashionable. But most of these things we Not needed.

When something is really necessary, you know it right away. If you have to convince yourself, do not take this thing before buying.

2. Do not buy the first model

Seeing a new car model, the camera or smartphone, do not rush to buy them. Wait for the next version: there will not be problems and defects that sin first version. You will save yourself from the headaches.

3. Do not skimp on what pleases you

Money can buy happiness, if you spend it on experiences and important things for you. If they please, inspire and motivate - a necessary investment in your well-being.

Just remember that the pleasure of things is faster than from the experience.

In two weeks we get used to new things and cease to notice them. Impressions delight longer. They can mentally re-live. In addition, they help us to grow and develop new skills.

4. Earn more and spend less

Many after higher wages begin to spend more. Buying an expensive car, more likely to travel and eat in the cafe. As a result, they become richer, and remain approximately at the same level of income. But if you earn more and spend less, will remain free money. They can be put into the account or invest.

Think about how you could make more money: take additional responsibilities on the current work, to find second jobs, do freelance. Then think about how to spend less. For example, cook at home and rarely go to the cafe. Less waste on clothes. Sell ​​the car and use public transport. Do not run after fashionable novelties. Use the remaining funds to pay off debts or save up for something.

5. Never get into debt

No matter how rich you are, if you have debts, you - a servant of the banking system. To pay them and to maintain adequate standard of living, you have to work. Perhaps at a job that you do not like.

So never take a loan. If you are considering to open a business or create a project, but it needs to get into debt - put this idea. Begin only when will be able to pay all the costs themselves. So you're less at risk. And yet the lack of funds forced to look for a creative approach to problems.

6. Learn how not to want more than what you already have

To be rich - not to be all that we can. The real wealth - this is when you do not need anything more than what you already have.

And billionaire may be poor, if he constantly needed more and more. He may own real estate in the world, but if his friend's private spacecraft, he would still be jealous of.

We feel that we have something not enough, when we compare ourselves with people richer us. Instead, compare yourself with those who are poorer. Then your present lifestyle will seem sufficient.

7. Look not perfect, but good enough

We always strive for the ideal, we want to have the best of everything. But think, whether so you need the best car, the most powerful smartphone or apartment in the respectable neighborhood? Maybe the fact that you have now, enough?

Try it for a month not to use the phrase "the best." Observe how to change your attitude to shopping and how much money you will save.

8. Do not buy a lot of things from one category

Live much easier if you have one phone, one computer, one pair of casual shoes. The clothes can be limited to one type of pants, shirts, socks. You will take fewer decisions, less nervous and spend less money.

Look at the things and think about what 10% of them do you use 90% of the time? Try get rid of all unnecessary. Sell, donate or throw away the extra stuff. You will feel relieved to be able to focus more on energy and important cases.

9. When choosing a product guided by the lower price

Brain clings to the first price you see. Then you choose the goods in comparison with this price. If at first you were offered the camera for 50 thousand, and then - 30, the second you will find a bargain. Although, you might be arranged and the camera for 15 thousand.

To spend less, you first look at a lower cost goods. Compared to them, the rest will seem expensive. As a result, you are staying at an acceptable option, and do not spend too much.

10. Change environment to consume less

Environment affects how much we consume. When all around frequently changing gadgets and cars, buy new clothes and dine in the restaurant, you will be hard to resist. If you want to spend less and live more modestly, try to change the environment. Of course, not always possible to move to another area or city. But you can change the way of life. Less often go to the shopping malls, and avoid anything that makes you want to buy something.

11. Dissociate itself from advertising

We did not even notice how advertising is changing our understanding of some product, making us want it. Avoid it by all means. Do not watch TV, do not read the magazines including adblocker browser. Unsubscribe from mailing lists. Buy the paid version of the application to disable ads.

Try as much as possible dissociate itself from advertising for a month. Then vote, less if you have been thinking about purchases. And check out how much you have saved during that time.

12. Remember: the more money, the more problems

Money is desirable up to a point. When enough of them to pay for housing, as a put off and not have to worry, more income does not make happy. With increasing income and increasing stress. We need to worry about the tax, about failed investments of greedy relatives who ask for money and secretly waiting for your death.

The same applies to things. For example, the more you have the house, the more worries: it is necessary to remove a large area, to buy more furniture, more than just repair and change. Therefore, considering a purchase, consider such hidden downsides of owning a new thing.

13. To invest in their development

The most important thing is not to invest in the stock market, but in himself. This will help books. Most often, the book - it is the author's ideas squeeze in a few years or even a lifetime. This is an opportunity to learn the lessons that drew another person and use them to their advantage.

The more you invest in the expansion of knowledge, the search for new ideas and the development of creativity, the more will get the benefit.

If you can gain from the book at least one new idea that will inspire you, then you will not have wasted your money.

14. Before helping others, ensure its own financial stability

If you have difficulties with money, do not give them a loan to someone - even a family member. You will worsen their situation and, in addition to damage relations.

It is better not to lend money to friends and family. If you want to help, let them free. The only way you maintain a good relationship. But it helps when your own financial situation is stable.

15. Do not invest in stocks

They do not get rich. Professional traders often act at random. But it's not only that. Even if the value of your shares will increase by 30%, profit from it can not be compared with the use of investment in yourself. Learn new skills, after a while you will earn more.

Think about how these investments will help you get rich. Maybe you should go through some courses, register for a seminar or start their own businesses.

16. Do not risk in vain

It is believed that the entrepreneurs to take risks just for the sake of risk, but it is not. Good business people to think carefully about their actions and avoid situations in which you can lose all the capital.

If you are going to set up a business or invest in something money, do not forget that you can always fail. Be prepared for this and make sure not to lose all their money.

17. Strive not to wealth, and to ensure that does not go bankrupt

If you are a business owner, do not focus on how to increase profits, and how not to go bankrupt. If you are an employee, think about how to stay fit. For example, you can learn new skills or expand their duties.

18. Mentally exaggerate their expenses and underestimate revenues

Lie to yourself very easy. We often look at the world through rose-colored glasses, overestimate themselves and underestimate the problem. Imagine that you are poorer than it is, and reduce costs. This will help to spend less and gradually accumulate funds.

19. Do not buy the most expensive things

Thing 1 000 does not make you ten times happier than the thing 100. It seems that the luxury goods bring more happiness, but it does not depend on the amount of money spent. There is a certain amount, after which the pleasure of shopping is no longer growing. For each it is different. Find for yourself the happy medium and do not spend more.

Do not forget that fun too stale. Especially the joy associated with eating, sex, travel and shopping. Over time, they cease to evoke strong feelings, no matter how much you paid for them either. Therefore, to spend on things more and more money just does not make sense.

20. "Think how rich dressed as a poor"

So said Andy Warhol. Wear basic clothes, drive a normal car, look for practical things. Those who paraded wearing expensive brands of products, often, on the contrary, do not have money and live in debt. They just do not believe in yourself and want to attract attention due to the expensive things.

Be rich interior. Remember that you have everything you need. Less thinking about buying. Spend more time and effort to create something important.

21. Live modest than allow income

We get used to new things in two weeks. No matter how expensive they are, they are not happy with us, because it becomes commonplace. Try also to get used to a more frugal lifestyle.

Buy a cheap thing, even if you have enough for the road. Buy generics - low-cost equivalent to the original medicines. Cafe Coffee choose the cheapest or the most simple dish. Over time, it will enter into a habit.

22. Do not focus on brands

When you look at a thing, do not think about the brand or the price, but what it essentially is. Lexus - it is just an expensive Toyota Camry. Filet mignon - just part of the cow's carcass, and expensive wine - fermented grape juice. The new smartphone - just a piece of metal with a touch screen. Branded suit - pieces of cloth stitched some work with the minimum wage.

Permanently reduce the value of such things in their own eyes. Then they will become less attractive to you.

23. Do not give all your money on investment

If 99% of your money invested in real estate, you are deprived of financial freedom. In an emergency situation, you can not pay and will have to borrow. Try to always have available funds that can be quickly removed from the account. It is useful to the case, if there will be a profitable opportunity to invest it.

24. Do not buy anything that you can not pay without credit

We are too optimistic about their potential. We think we will be able to quickly pay credit. But debts pile up like a snowball. The more, the stronger you will become slaves to the banking system. If you still want to use a credit card in order to receive bonuses, buy only what could not pay loans.

25. Do not make a bad bargain when ASSUME fee for their services

Value yourself. If you are an entrepreneur or a freelancer, take for their services a bit more than you are, in your opinion, you deserve. Maybe you will lose a few customers, but in the long term will get more profit.

Of course, when you are just starting out, you can not ask too much. To gain experience, work for a while for free. But then take the service fee is above average. If you settle for average pay, always have to somehow make ends meet.

26. In his free time to work on the things you love

Many people want to quit a job in the office and do so, what is the soul: to become a photographer, traveler and writer. Do not do this unless you have financial stability. Live on income from work and be engaged business of your dreams in his spare time.

Get up an hour earlier, use the lunch break, do something useful in the evening instead of watching soap operas. When the money from the extra work enough to pay the bills, you may leave the annoying company. But always keep funds in readiness for unexpected situation and a contingency plan. You may have to live with my parents again, or return to the old job.

27. Think about what else you can buy with the money going to spend

Usually when buying things, we compare only one category. For example, smart phones from different manufacturers. But maybe instead of a new tough phone is better to go on an interesting journey? Or to invest in their education? Or to pay part of the debt?

28. Imagine what will concern in buying 5-10 years

Look at things realistically. Any purchase of 5-10 years will lose presentable appearance. This is especially true of cars. Better not chase fashion, and count on the long term.

29. Do not forget that money alone does not have a value

In fact, the money - it's just paper. Even in precious metals is nothing special - it's just shiny stones. Think about why they are important to you. Perhaps they give you a sense of stability or symbolize success. Determine what does money mean to you. For example, freedom, Strength, absence of pain, the ability to do what you want.

Do not take money too seriously. And do not forget about the really valuable things: relationships with loved ones, the important work of gratitude.

30. Do not become a slave to money

Money is neither good nor bad - it's just a tool. We decide what to use them. Think about how they affect your life. What do you want money? What joy and anxiety they can bring? How money can help you and others? And if they can ruin your life?

Allow yourself everything you need for life. Once you have typed enough money for it, spend time and effort in its development. And then do something useful and help others.