Having little money is a sad fact of modern reality for many people.
But what is even more depressing is that many do not even think about changing the situation, but simply try to “go with the flow.”
Ultimately, such behavior leads to poverty for another generation that grew up on such an example.
So let's look at a few ways that will help you get out of this situation.
Setting a clear goal
Getting out of poverty is not a goal. It is only a direction for a better life. Therefore, it is worthwhile to devote time and effort to clearly define the answer to the question: “What exactly do I want to get if I have enough money?”
All answers should be recorded on paper. No need to hold back. It is better to have even fantastic guidelines than to move forward in life without them.
By the way, the answers must include the amount of money that is considered sufficient for a good life.
Education
The first thing you need to start with is your own education! The world is changing, many different technologies are emerging that require a certain level of knowledge and skills.
Therefore, go study urgently. Updating knowledge and skills has not hurt any specialist.
It is worth noting separately that at the moment there are a lot of free articles, courses and even chats on the Internet to get up-to-date knowledge from practicing specialists in a certain field. Therefore, panic from the series: "I don't have money for this!" can be put aside.
Changing your attitude towards your budget
The point is very broad. What does it include? This:
- Re-evaluation of all expense items, identifying those that are not needed and those where you can find a cheaper but higher-quality alternative.
- Keeping track of expenses and income.
- Closing of all debts (mortgages, loans).
- Obtaining benefits as required, if possible.
- Sorting out all unnecessary things. Some of them can be sold (for example, vintage equipment), some can be recycled for money (plastic bottles, waste paper), and the other part can simply be thrown away if it cannot be used anywhere.
Building savings
After reviewing the budget, we can talk about savings. It is classically believed that it is necessary to put aside 10% of your income. But this is only possible if your salary is a fixed amount.
And if it is “floating”, then it is necessary to put aside at least 100 – 500 rubles from the amount received.
It is advisable to do this using automatic savings, which will withdraw a set amount from the card.
Why do you need to do this? There will be no situation where you want to spend money on something else, or find a reason why you can not save this month.
Remember that financial savings should always be there! This is your financial safety cushion.
Job
Here, everything is simple and complicated at the same time. On the one hand, if everything is fine, you can stay at your current job. But on the other hand, if after training you have the opportunity to apply for another job with a higher salary, you should not miss this opportunity!
Alternatively, you can find a part-time job related to new knowledge and skills.
After receiving a more extensive portfolio and work experience, you can easily find a new job or switch to freelancing.
Part-time job
What could it be? According to experts: the activity can be anything, but it is desirable that it brings pleasure, unlike the main job.
Therefore, it is necessary to look for those options that are directly or indirectly related, for example, to a hobby or some interests.
Excuses like "I won't earn anything with this" should be immediately removed from your mind. At the moment, thanks to the Internet, you can even earn money by reading poetry or voicing classical literature.
Earlier I talked about how business changes a person’s personal qualities .
