Do you think money does not bring happiness? In fact, people who have become wealthy winning their own money are happier than those who have no money or those who have money they have not done. But how do you get money if you are not part of a rich family? Maybe you have a different opinion but you do not need luck or inheritance, high education and you do not have to be a genius.

In the book "Millionaire next to us" we read with interest the story of Teddy Friend.

Teddy is very complicated because he grew up in a modest family and did not graduate. All of his colleagues who are faculty graduates look at them as opponents and have a great inner motivation to show them that they are more competitive than they are.

He wants to dress better, drive more expensive cars and "live longer" than his rivals - "intellectuals." Teddy is a big consumer. It has two boats, a skyjet, six cars, a $ 5,000 watch and a holiday home.

Even though in the previous year Teddy had earned $ 221,000, being among the best-paid US employees, he did not accumulate wealth. How is it possible? Let's see!

He's buying more and more things on credit. Increasing his debt increases and fear of losing everything he has, and this fear motivates him to perform at a high level to earn a higher salary. Thus, he spends a lot of time working. Even so he is constantly worried that he will lose his advantage over his colleagues, he is stressed all the time by the thought that he must be better than college graduates.

Teddy does not really get to enjoy life. He owns many material goods that many people who do not really know him envy but spend so much time at work and have no time to enjoy them. He has no time for the family either. He leaves for work early in the morning and rarely returns home before dinner.

Mr. Teddy is an example of a person who works, sacrifices himself to earn as much money as he spends on expensive things, symbols of success to impress others.

Would you like to have his life? Of course it's an exaggerated example, but how many of these mistakes have you made? Did you buy an expensive car on credit? Or did you buy a TV on your credit thinking, "At least I deserve my work and I'll pay it when I get the Christmas first?"

Many people spend the money they know they are going to receive, they never save, and still hope they will one day get rich. When their income increases, their levels of consumption and living standards increase. They buy a new car or a bigger house.

For those who have these habits it is impossible to accumulate wealth if they do not change anything. On the contrary, if the only source of income they have is salary, they are at high risk. What do you think happens when this source disappears? There are few who have been fired and then unable to pay their loans and have lost their homes having to restart from scratch.

The truth is that most people have no idea of ​​spending their money, spending it chaotically, and after a work life it is not getting much, becoming dependent on the state pension.

Now, let talk about the tips for a life without financial worries :).There are 4, maybe the most important ones.

Start looking at money as a resource through which you can become financially independent!

Your task is to reverse the way you perceive money and start to associate money saving with pleasure because this habit helps you move towards your goal of being financially independent and spending money removes you from the goal.

Calculate your net worth!

Many people think that if a person has a big income it means that the person is rich. But it's not like that. Net value is the true indicator of a person's wealth.
Net value is calculated by summing the amount of money in all your properties and assets: house, car, money savings, stocks, gold, and other valuables. Then you make the amount of your debts to banks or other people. The last step is to make the difference between these amounts and get the net worth of your wealth.
You can quickly get this result by accessing this computer.
Think of this moment as a zero point on your way to a prosperous life. Look well at the resulting amount and write it down somewhere because it's important to know where you came from.
If the amount is small, do not be discouraged. This is a sign for you to change something to get better results in the future. Glad you found out this now and not later.
And be aware that if you do not make any changes, you will have the same results in the future!

Spend less than you earn!!!

This is the most important rule.
Nowadays when most of us use cards and have money in banks, if you do not have a tracking system, if you are not organized, it's easy to lose control and you have no idea how much you spend on the moon and what you do not realize How do you grow your debt.
And I was in this situation and I felt like in a carousel, I was increasing my debts, then when we took a premium or got a bigger amount of money, we paid them and started to see a little light, then again I started To sink and redeem debt.
Then I started using a document recording revenue and expenses. Of course the first few months were negative. But having this, I was able to see exactly what the money is going through and eliminating some unnecessary spending and reducing the waste I managed to get on the plus.
Recently I started using an application that I am very pleased with and I recommend it because it is superfluous to use, all you have to do is to enter the expenses and incomes and the application calculates the amounts in each category and you can Shows the information graphically.
Cashbase is a web application that does not need to be installed. You just make your account for free and you can use it. There are also mobile versions for IOS and Android. I installed it on my mobile and many times, after I do a purchase, I immediately put it in the app.
I recommend you to create an account and start today to use this application. You can find more information on the resource page.

Think more about how to increase your income, not how and how to consume your money

Be aware that the company wants you to be a consumer and see the more subtle or obvious way that you manipulate to shop or spend as much time in front of the TV, because that's also a consumption.
For example, you hear messages like, "Drink an X beer while watching the game with your friends!" It's not hard to figure out what's going on. You call your friends, look at the game together and drink some beer beers.
And who takes the lion's share of the money you pay for beer? You guessed it. State. Ponta and his are screaming you right. Over 70% of the beer price is VAT plus excise. The rest of the money goes to the beer maker who gives it up to the television. Television gives some money to the professional football league that pays the clubs. This is how the beer, television, league and footballer win.
But what did you gain?
Was it not better for your physical and financial health to keep your money in your pocket and go out with your friends to play a football game?
Many are indignant at the fact that footballers earn so much money but look at a bunch of matches, not realizing that they themselves contribute to the wages of footballers. The same applies to television actors or television presenters.
If you want to fund these mankind money from you, spend your time on TV under the false impression that it "relaxes you".
Do you like to drink beer? How about if you produce your own beer for personal consumption? And if you still do, you could also produce extra to make a deal with your neighbors for other products or services. Maybe a neighbor produces honey, or someone knows how to fix something in the house.

Last Christmas, I imagined how glad the merchants were at that time, and I watched the TV commercials where the producers were promoting their products with the joy of the holidays. For Christmas, you buy lots of gifts for loved ones. Companies pay you a salary in advance so you can spend it during this period. They all contribute to the well-being of the consumer society.
Realizing these things, I was thinking how I would like to have something for sale and enjoy profits instead of worrying how much money I will spend on gifts.
Begin also to put your mind at work to find extra revenue solutions out of salary.
Begin to take responsibility and take control. Stop neglecting money and using it chaotic and you will see the results. You will be able to accumulate more and more money and gain more confidence in yourself and your future.
You may not be able to implement all these recommendations tomorrow, but you can certainly choose one to start with and after you get used to choosing one more to put into practice. Do not stop until you reach your goal!

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