7 financial sins you definitely need to get rid of in 2020

1. Laziness: not wanting to manage your finances

Accounting for expenses and income is the key to everything, the amount of earnings is not so important here. Both a large enterprise with billions of dollars in turnover and a tiny company are planning a budget. If this is not done, the consequences will be dire.

For some reason, people think that everything works differently for them, but it is not so. If you don’t know how much you are spending, you will not be able to save and spend rationally. But, once you start to control finances, your life will change. If you don't believe me, just find a person who has responsibly approached this process and ask how he is doing. Or read one of these articles on Lifehacker.

2. Gluttony: living beyond your means

They often put an equal sign between gluttony and gluttony: they say, this is immoderation and greed in food. But gluttony can be perceived as a desire for any excess. It is not known for certain how harmful this passion affects the soul, but very much on finances.

It's one thing if you buy a fifteenth pair of shoes or a new smartphone because you can afford it. It’s quite different when for the sake of this you break into credit.

Debts and loans for household goods and things that you don't really need are dangerous.

And not only by the fact that you overpay at the expense of interest. The habit of living on credit gives rise to the illusion that you can afford this or that purchase - just buy the thing now and give the money back later. Quite often, this leads to the fact that the debt grows, and there is nothing to pay off. Now Russians owe banks 17.5Information on loans provided to individuals - residents in rubles and foreign currency trillion rubles, with 730 million in arrears. Mortgage loans account for just over 40% of total loan funds.

3. Envy: to appear, not to be

Social networks are now actively pouring water on the mill of this sin. Here you are subscribing to the account of an actor or a successful businessman. You see how he drives a cool car, buys branded clothes, uses expensive cosmetics. You also need all this, of course, right away - otherwise the stars would not receive such largeHow much do our and foreign stars get for a post on Instagram amounts for advertising.

Envy drives consumption. But here's the terrible truth: to be like an idol, you need to work like him, and not buy the same things.

If you are an ordinary office worker and buy yourself a very expensive watch, like that businessman, you will not become like him. You will be an ordinary office worker with very expensive watches - and missed opportunities, because there are probably more important expenses in your life.

So adequately assess your financial situation and do not chase after a picture. If you take the money you spend to splurge and invest in something useful - in education, health or investment - there will be much more sense in this.

4. Vanity: being too proud to economize

An old scam (or a marketing ploy, if you like): telling a person about a product for a long time, make him spend a lot of time and show interest, and then name a fabulous price. Sometimes people go for a wallet just because they are ashamed to admit that this thing is too expensive or simply seems too expensive. Suddenly those around you will not think so.

For fear of looking poor, someone does not go to regular supermarkets, someone buys more expensive goods with the same composition, but a big name, someone does not buy anything for a share, someone does not ask about special offers. And he loses money.

Saving is not a shame.

Instead of preserving the appearance of financial independence at any cost, it can be acquired - including through better purchases. You may not be able to get rich out of savings. And without her, it will not work out all the more, so is it worth it to worsen the situation because of vanity.

5. Anger: Blaming anyone but yourself for your failures

It is very convenient to blame the world government, reptilians, aliens from Mars for financial problems. After all, you can do this without getting up from the couch - but why, because life is full of injustice. And if someone lives better, it is he who stole and collected bribes.

But your life is your responsibility.

It would be unfair to say that desire alone is enough for high earnings. People live in different conditions. If you were born into a family of a capital millionaire, studied at the best educational institutions in the world and are familiar with influential people, you seem to have a better chance of success than a country boy from an incomplete families.

But you cannot sit in a time machine and be reborn differently. The wizard in the blue helicopter will not come to correct this injustice. It's time to grow up and act in the conditions that are.

6. Lust: Choose momentary pleasures over important goals

In its most literal sense, it works too. Cheating is a common cause of divorce. And marriage is largely an economic enterprise. Oftentimes, a couple can afford a higher standard of living than one person. Together, you can add up your funds, so it's easier to save up for large purchases like housing and a car. Moreover, two people need one apartment, a kettle, an iron, and so on. Parting doubles the amount needed and results in division of capital.

But let's think wider. It is difficult to act for the future. For example, you save up for a down payment on a mortgage. There are many years of restrictions ahead. And here you see the iPhone discount. Of course, the purchase will delight you. You will even think that you have invested your money profitably: the discount is the same. But the long-term goal of buying an apartment has gone even further from you.

The position “we live once” has a right to exist. But we live at the same time long enough. So it is worth taking care to do it in comfort. If you have important goals - housing, pension, education - change them to momentary pleasures not worth it.

7. Despondency: accept the situation and not want to change anything

If you are completely happy with your life, you can do nothing. No one is obliged to leave their comfort zone (especially since it is so difficult to get there) simply because they are constantly ashamed of motivational Instagram posts. But if you don't like something in life, it's never too late to try to fix it. For example, Colonel Sanders, the creator of KFC, became a millionaire after 60. Chef Julia Child published a book, gained a fortune and popularity at 50.

And in the end, it is a sin to indulge in despondency when there are other sins.