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Legal consultation
Barbarian Diordieva - the lawyer, an analyst.
If you had legal issues, the problems connected with realisation of your rights, and also the questions, concerning legislations, write.
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Money, personal finance
How to find money in own pocket
From the very beginning it would be desirable to remind both and you, that all of us - the integral functional units of economy and as in any way, and nevertheless we get under influence of its laws. Among other, especially it would be desirable to pay your attention to three major laws, which total influence just and defines an our financial position.
The first among these laws - the law of increasing requirements. He says to us that constant growth is peculiar to our requirements, and faster in comparison with growth of our incomes.
The second law is the law of decrease of limiting utility according to which the same goods, in due course inevitably lose the value and ability to satisfy our requirements.
Last, third law, the inflation law - the extremely negative for us property of money to lose the purchased ability is, that is to depreciate.
Considering these and other factors in the same spirit, let's introduce which what corrective amendments in our financial policy.
To begin with we will define our economic income. We have no in view of the income in the form of wages or the income of business, the economic income we mean the rest of money resources by concept after payment of all consumer credits, a covering of all necessary expenses for a food, habitation, communication, transport etc., Etc. This rest, in economy it is accepted to name the economic income. So what your economic income?
On own example allow to illustrate, several years ago, my pure economic income, as a rule, was equal to zero! Moreover, sometimes it even reached negative values! Why so it turns out? The answer is unequivocal - I, figuratively speaking, did not love itself. I paid at first to service providers, sellers, everything, and as a result to myself left or anything, or debts... It was the unacceptable error and, its comprehension has given the chance to change a situation to the best.
Council №1. Receiving or distributing what or the income, PAY First of all to ITSELF!
And how many it is necessary to pay? Our personal council – begin with nebolshogo.5-10 % from your cumulative income – quite comprehensible indicator for the first step to financial protection. Do not go too far! Do not try to keep from the very beginning all of 100 % of your income, develop a habit to pay to itself to the first since the small sums which will not render essential influence on quality of your life.
Having started to operate under such scheme, I on own experience was convinced, that it is really viable also the proof of it the money saved thanks to it has served.
And now let's return to the first aforementioned us to the law, and to ask you, whether necessarily to us to get under its action? A right answer "yes". To All of us, clear business, would be desirable to raise level of our life, and therefore, with growth of our income we always raise our expenses. But why to us not to hold a distance? Is available in view of why not to observe 50 % a difference between increase of our expenses and incomes?
Council №2. Always keep 50 % from money of the sum of increase of your earnings.
In other words, if you have earned this month for 80 dollars more than in previous, let your expenses will raise only for 40 dollars, instead of on all 80 as happens usually. Keep the remained 40 dollars in the pocket, and in following release of dispatch we will show to you as you can effectively increase them.
Let's pass to the second law. Having paid once on it attention, I have decided to carry out the analysis of my expenses. To a descent, of course, it has not turned out - all points of my expenses last month to recollect it was not possible. Then I have solved (as to you I urgently recommend) to spend so-called "month of the control". I began to write down carefully my expenses for a day before a withdrawal to a dream. On the expiration of month, I have attentively analysed, how many and where has departured from my pocket, how many is justified, how many is unexpected, also the main thing how many is inevitable - how many is passed. Last point, I pay your attention it is most important.
After similarly analysis, I have seen, that actually the certain sum of money which I monthly spend, leaves on purchase of things or services which have lost for a long time for me all advantage. That is, I spend many money simply by inertia, not receiving from it expected advantage. Besides, I have found some other, absolutely unessential wastes which has decided to exclude and not to repeat immediately next month.
Council №3. Do not suppose an exit of own expenses for frameworks of your control.
Carry out similar action, and you гарантированно will find in the затратном the list some points which deletion in no way will not affect quality of your life.
And one more important information for reflexion. If you have resolved to become the successful and prosperous person - insufficiently only to save money. It is necessary to be able to keep them at least! To keep from mentioned above the inflation law. Once again I will repeat - to keep, it is a minimum. In an ideal you should be able to keep, increasing saved up. And preservation, in turn, it already the first step to investment about which we will necessarily talk in following number of our dispatch.
Now all depends on you, and your choice so think, choose and grow rich! We wait for the next meeting with you in following release of dispatch.
The second law is the law of decrease of limiting utility according to which the same goods, in due course inevitably lose the value and ability to satisfy our requirements.
Last, third law, the inflation law - the extremely negative for us property of money to lose the purchased ability is, that is to depreciate.
Considering these and other factors in the same spirit, let's introduce which what corrective amendments in our financial policy.
To begin with we will define our economic income. We have no in view of the income in the form of wages or the income of business, the economic income we mean the rest of money resources by concept after payment of all consumer credits, a covering of all necessary expenses for a food, habitation, communication, transport etc., Etc. This rest, in economy it is accepted to name the economic income. So what your economic income?
On own example allow to illustrate, several years ago, my pure economic income, as a rule, was equal to zero! Moreover, sometimes it even reached negative values! Why so it turns out? The answer is unequivocal - I, figuratively speaking, did not love itself. I paid at first to service providers, sellers, everything, and as a result to myself left or anything, or debts... It was the unacceptable error and, its comprehension has given the chance to change a situation to the best.
Council №1. Receiving or distributing what or the income, PAY First of all to ITSELF!
And how many it is necessary to pay? Our personal council – begin with nebolshogo.5-10 % from your cumulative income – quite comprehensible indicator for the first step to financial protection. Do not go too far! Do not try to keep from the very beginning all of 100 % of your income, develop a habit to pay to itself to the first since the small sums which will not render essential influence on quality of your life.
Having started to operate under such scheme, I on own experience was convinced, that it is really viable also the proof of it the money saved thanks to it has served.
And now let's return to the first aforementioned us to the law, and to ask you, whether necessarily to us to get under its action? A right answer "yes". To All of us, clear business, would be desirable to raise level of our life, and therefore, with growth of our income we always raise our expenses. But why to us not to hold a distance? Is available in view of why not to observe 50 % a difference between increase of our expenses and incomes?
Council №2. Always keep 50 % from money of the sum of increase of your earnings.
In other words, if you have earned this month for 80 dollars more than in previous, let your expenses will raise only for 40 dollars, instead of on all 80 as happens usually. Keep the remained 40 dollars in the pocket, and in following release of dispatch we will show to you as you can effectively increase them.
Let's pass to the second law. Having paid once on it attention, I have decided to carry out the analysis of my expenses. To a descent, of course, it has not turned out - all points of my expenses last month to recollect it was not possible. Then I have solved (as to you I urgently recommend) to spend so-called "month of the control". I began to write down carefully my expenses for a day before a withdrawal to a dream. On the expiration of month, I have attentively analysed, how many and where has departured from my pocket, how many is justified, how many is unexpected, also the main thing how many is inevitable - how many is passed. Last point, I pay your attention it is most important.
After similarly analysis, I have seen, that actually the certain sum of money which I monthly spend, leaves on purchase of things or services which have lost for a long time for me all advantage. That is, I spend many money simply by inertia, not receiving from it expected advantage. Besides, I have found some other, absolutely unessential wastes which has decided to exclude and not to repeat immediately next month.
Council №3. Do not suppose an exit of own expenses for frameworks of your control.
Carry out similar action, and you гарантированно will find in the затратном the list some points which deletion in no way will not affect quality of your life.
And one more important information for reflexion. If you have resolved to become the successful and prosperous person - insufficiently only to save money. It is necessary to be able to keep them at least! To keep from mentioned above the inflation law. Once again I will repeat - to keep, it is a minimum. In an ideal you should be able to keep, increasing saved up. And preservation, in turn, it already the first step to investment about which we will necessarily talk in following number of our dispatch.
Now all depends on you, and your choice so think, choose and grow rich! We wait for the next meeting with you in following release of dispatch.