Cushion of financial security

What prevents us to change the boring work to open their own business, relax more than fourteen days or simply potamogetonaceae with a year to decide on future plans?



It's simple: lack of money.


Stops for the month of professional pipeline - all, it's all over, the credits you dont have money to buy food is not what coupons are not enough...




The pernicious habit of living from paycheck to paycheck" is what hinders our development, makes our life of slavery and servitude, robs us of our freedom and security.




That is why creating your own financial cushion that allows you to feel confident and giving the possibility of risk is very important thing for those who decided to radically change his life.




By itself, the cushion of financial security is a six-times your average salary over the last year.




That is, such an amount of money in a Bank account that will allow you and your family more or less calmly hold out for six months - the same term that is well-thought-out business will start to make a tiny profit, the same term, which is needed for finding a good job, the same term, which is in principle sufficient for a good rest.





Where does this pillow?


Only accumulates. The simplest, known to every schoolchild way.




Each time you receive any income from any source - delay 10% of the total.




You can start today. Even if you have unpaid loans, costs less than half the income, decent debts and the threat of dismissal.




So you've decided to set aside 10% of each amount received. Open a Bank Deposit in any currency, to not be able to run his hand down on the pillow every time you miss a taxi (travel by bus) or bus (run by foot, healthier).




Now teach yourself to think that you will have to temper their spending. On some miserable ten percent. It is in the sea family spending ridiculous. For example, forbid yourself and your children to buy any goods cheaper dollar.




More expensive dollar - this is a serious children buying, and less than a dollar is all kinds of crazy gum, notebooks, naklicki, liniecki, rutecki that we acquire because we "do not mind".




Incidentally, these "dollarov" purchases in the average family for a month accumulates 30% of the budget!




Next - it will slow down loans. Now you also put off - it would be funny to borrow!




Slowly start to close your consumer loans, hanging not the first stone on your neck, don't buy something that can not yet rely on your salary.




Actually, it is. Through the year you will have a free hand and you will finally be able to do with your life whatever you want.




Do not forget to set aside 10%.

Source:

Belarusian women's portal

women's web magazine