Hello dear Steemians ,This rather special article will not discuss marketing but how to save money to find financial resources and invest in your business idea or training.
For many years, I did not have the urge to manage my money effectively. This is the case for many people who find themselves at one time in debt.
Financial management is not part of basic education and the consumer society does nothing to improve things.
After my majority, it took me more than 15 years to have this financial impact. I'm not one of the fastest :-))
If you are like me before, take 1 hour to think seriously about your financial habits and what they could bring you positive if you change some of them ... You would lose your hair all this financial mass thrown by the windows during all these years…
Put money aside, everyone is able to do it! Except that everyone does not do it .
Many people find excuses for not saving, but I knew a guy who managed to save money every month. He offered himself more than me at the time when I was acting while I was not far from 2000 $ (single and without children).
And you know what ?
I had this famous speech: "It is impossible to put money aside, I have nothing left at the end of the month!" (The worst thing is that it was true and in addition I ended all the months in the open ... look for the mistake!)
The mistake came from consumption habits and therefore financial management.
But how many people want to earn more without knowing how to manage their money?
Because the result will be the same ... More money = More expenses
Moreover, most of these people are usually those who play the lottery most often and who often hold a hypocritical speech like: "Money, it rotten people, do not earn too much"
This is also what they do very well to do but they hope on the lotto to change lives. (find the mistake)
But life changes if habits change.
Knowing that creating a business on the internet does not require a lot of investment compared to traditional entrepreneurship. If today you dream of starting your own business and you are short of funds .
Here are 2 simple tips to save money and finally succeed in starting your business project or investing in your professional training.
1)Save money by removing the useless:
You do not imagine how much useless things are paid regularly without realizing it.
If you are used to spending 20 $per week on pizza or other ... It is about 80$ lost per month that you could very well invest in a training, in a practical book, in a very good restaurant with your spouse or simply put it aside. This represents 960 $ over one year (without interest). What offer you a nice little trip.
If you smoke more ... Or
Being a former smoker (over 13), I spent about $ 10 a week on cigarettes.That was about $ 40 a month.And so on the year $ 480.
To stop smoking, you have to stop overnight.That's what I did and it worked.It takes the will, the commitment and pass the milestone of 3 months.My friend still remembers ... 🙂
And frankly, you may avoid lung cancer when you retire or before ...
Subscriptions to magazines or newspapers.Personally, I am not a follower of subscriptions.But I understand very well the pleasure that one can have to receive his favorite newspaper directly at home.
The idea is to look exactly at the subscriptions you have and ask yourself that question for each of them.
Has this magazine or journal allowed me this month to do something or to get something I think is worth the subscription?
There is a multitude of other things that are done that cost a lot of money. For example, there are also clothes!
Many people buy new clothes every month but statistically, it has been proven that we put only 20% of the clothes in our wardrobe. There is also a nice economy to achieve.
Look at everything you buy and ask yourself if it's really useful!
If we do a simple calculation of the examples above, it represents a saving of an intersting amount per year.
Look also where you have advantages: For example, some people related to their work or knowledge, do not pay for gasoline, motorway trips, sometimes also some food etc ...
These are savings that are sometimes not insignificant! Just put that money saved in kind directly aside. So you see the numerical value of the benefits you have.
In general, the best way to save money is to list ALL your expenses in detail.
2)Save by paying first:
The principle is simple. Most people are saving with what's left at the end of the month. Since there is usually nothing left, they do not save money ... 🙂
You work all day, 5 days a week and sometimes more. Rather than waiting for the pay and then give a big part to organizations and unnecessary purchases (regular bills and other ...).
The idea is to pay yourself first rather than give money to others before you. It is still your money, it is normal to pay you first 🙂
The advantage of doing this is that it forces you to live with the rest and therefore better manage your expenses.
What is common to hear in financial management is to set aside at least 10% of your income and never touch it.
The sooner you start saving for smart investing, the less money you need for retirement
I let you to imagine what you would have aside if you had taken this simple habit since you work ... In my opinion, you would see the future in a more positive way and you may not be where you are .
Everyone has been talking about a crisis since 2008, but basically, it mainly affects a certain part of the population that has not managed its money. And today, there is a psychosis on work in decline.
But there have always been more opportunities to make money in times of crisis.
This phenomenon will always exist, since there will always be people who will cry indefinitely what they have lost and others who will use this experience to bounce back and adapt.
In any case, there is no excuse, you now have two simple tips to save money and invest in your future business or your knowledge to improve your life.