Fundamentals of Personal Finance Management. Personal Finance Management Personal Financier

The other day I reviewed many books on personal finance and was surprised at their similarity. And it so happened that I am engaged in corporate finance for a very large part of my life, so I could not restrain myself from expressing an alternative opinion.

I understand that I can hurt someone's "sacred cows", so I ask you not to get angry and take into account that this is just my point of view. And I will be grateful for your comments.

The size of the article limits the flight of my imagination as a writer, but I tried to highlight the main points to pay attention to when planning personal finances.

Cost accounting is a tool for financially insolvent people

Which, by the way, is time-consuming. All books on personal finance recommend keeping track of your expenses. Now there are a huge number of all kinds of programs and web services for this. What is the purpose of this process? It is declared that this will help you better understand your expenses, find hidden sources of additional money for investment. But for some reason it seems to me that most often the accounting of expenses is carried out in order to understand, "if something happens", and also just for the sake of the process itself - accounting for the sake of accounting, without any purpose.

Also I am sure that this is a tool for those who are not financially successful. Imagine you are. Does it make sense to keep track of expenses in this case? Does it matter how much Coca-Cola you drank in a day and where you dined? It will be a waste of your much more expensive time, which is better spent building up your financial power.

The second disadvantage of constantly maintaining such records is the loss of a lot of time. Every day it is necessary to spend time on such accounting - 5-10-20 minutes. A very decent number of hours runs in a year. Now, if for the same time everyone thought about how to increase their income, then, it seems to me, the result would not be long in coming.

But still, cost accounting is a great tool if you use it wisely and periodically, rather than constantly. A person who works as a wage laborer has a very stable income, time and cost structure. If we discard large purchases and unforeseen circumstances (road accident, illness, vacation ...), then the costs will be approximately the same from month to month. Therefore, cost accounting can be done, for example, once every six months in order to better understand your current situation... And the free time in the remaining five months is better spent on something more useful.

And most importantly, remember: if you spend everything to zero, then no accounting will help you - you need to either increase financial capabilities or train in self-discipline.

Balance sheet accounting is the best alternative to operational

Each of us knows much more about our income than about our expenses. It is a fact. There are fewer sources of income and they are better controlled. Why not use this to build your personal one?

This is actually very simple to do.

Let's say you have three places where money is kept: bank, cash (under the couch), investment fund... And all the money you make ends up in one of these places. Then, in order to understand your financial condition, you only need to keep track of the balance of these "places".

Here's a simple example:

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Using this plate, you can even build a beautiful graph and calculate the percentage.

With this formulation of the problem, with balance sheet accounting, your financial goal is that the "Total" column grows from month to month, and grows faster than inflation. If someone is interested, then I can tell you how to calculate your inflation, the real one, and not the nonsense that the statistical government agencies are hovering over us.

The balance accounting option is extremely easy to implement, does not take as much time as cost accounting, and the effect is the same. Moreover, it must be done once a month, and not daily.

Budgeting is a great financial management option

Budgeting is a popular topic in large companies. It was thanks to him that the popular expression "master the budget" came into use. But it's not just a tool for companies. It can be successfully applied.

Suppose you earn $ 2,000. You agree with yourself that you will save $ 500 per month for a rainy day in the bank (in the bank, not in the bank), and $ 1,500 is your monthly spending budget, which you can spend at your own discretion.

That is, you do not need to keep track of how you spent $ 1,500, but you must definitely meet this amount.

This is a very simple tool. And in fact, everyone who now lives from paycheck to paycheck uses it. The only problem is that nothing is being delayed.

Of course, this approach will require a certain amount of self-discipline, because you know there is another $ 500 somewhere that is tempting. But no one promised that it would be easy.

Ignore investment pressure

All books and articles tell you that you should definitely invest. That this is the only way to achieve financial independence. This is the correct advice, the only thing that it is better not to overdo it with it and approach it VERY prudently.

If you honestly look around, there are a lot of all kinds of "dumb" investment proposals around: PAMM, MMM, HYIP, trust management… Many of these instruments are not regulated by any laws at all, and you don't need to tell me what is written on the websites of forex brokers.

Therefore, if at the moment you do not have any investment idea, then you should not be sad and rush to the first offer that comes across. You also need to be clear about the risks and the amount that you can lose.

To understand this better, I highly recommend that you read the book Nasima Taleba "Antifragility", there are many good examples not only from the world of finance.

I also want to note that the investment process itself can take a lot of time. After all, you will have to gain new knowledge, spend your attention and time on the object of investment ... So if you just save money in the bank, then this is also normal. Believe me good investment will come to you, so you shouldn't invest all your money in MMM-2015.

Have fun working with your finances

Too hard to count, to pore over money is, of course, good, but better not. If some investment or approach forces you to overstep yourself or do something that you don't like, then give up this nonsense.

You should have fun. And if for this you have to donate a couple of percent per annum, then go for it. Maybe this advice contradicts the idea of \u200b\u200bmaximizing profit a little, but believe me, it's worth it. Your nerves, stress and bad mood are worth more than a couple of percent.

Also, in the article, I deliberately bypassed all issues with assets, cash flows and valuation, since this is a very large topic and I did not want to clutter the article. I'll tell you something next time.

Thanks for your feedback and comments.

The clause can be made something like this:
Let the power of the runes around me transform the space, creating endless opportunities for improving financial condition, new opportunities, and income growth. Will take me to a new level of opportunity and income. May everything I wish come true and good luck.

Becoming Fengur is one of the signs of Odin.

The word Fengur means "to benefit". Becoming for wealth and prosperity

Becoming the "Golden Whirlwind"

"Golden Whirlwind" is named so by its external resemblance to the spindle of the egregor of Money, which is also reflected by the Otal rune itself. (see picture)

Runostav to open money channels.

Cash: breaks down barriers to getting money, as well as competitors' intrigues and obstacles. what the ill-wishers are fixing.

The formula is being developed for 4-7 days. Smooth financial flow.

Money is easy and hassle-free. winning the lottery.

Promotes the birth of new ideas that can radically change a person's life.

Shows the influence of karma on this process.

Financial help from friends, helps in solving inheritance issues. Pushes business issues that have not been resolved for a long time.

Additionally, it sweeps out bad people from the social circle.

The first is Otal, the second is Hagalaz (to the left of Otal), the third is Dagaz (to the right of Otal).

Otal - This is the time of diverging paths. The old skin must be shed, the outdated relationship ended. The required action here is submission to fate and the determination to do so. Property is associated with this rune - this is a sign of acquisitions and gains.

Hagalaz - will destroy all those traffic jams that close or block the flow of money, including unnecessary connections, which indirectly but consistently interfere with this.

Dagaz - gives a strong impetus for a cardinal change for the better financially.

Yes, oddly enough, but there are no usual for money stakes rows of Fehu and Turisazov.

Money talisman.

Becoming Nábrókarstafur - Big money-making dead skin trousers

Money pentacle

Becoming a Banker for a wallet.

I have been using it for more than half a year - I have not given any failures.

Perth - the wallet itself and its savings;

Fehu - denyuzhki;

Uruz - all forces are aimed at attracting money;

Nautiz- guarantees their admission

2Kano - expand the possibilities of their admission

Inguz - integrity, economic trap, so as not to waste in vain.

Hyera is a harvest and a fruitful harvest.

Good luck to everyone!

Let your wallets grow fat from the arrival of big money!

Yes, I just put it on paper, activated it (always with my own blood), invested on the first day between two 500 euros, so that I could feel the energy of money. It worked the next day - they gave a decent bribe. ;)

Talisman Wealth

Becoming rich seedlings

The basis of the stav is the "BLESSING" glyph. He, like the Sun, feeds all your undertakings with warmth and light. Helps to solve material issues and satisfy your needs.

From his energy, from your desire and faith, a sprout breaks through - the "DESIRE POSSESSION" glyph. He is like a strong stem, the basis of wealth. Helps preserve capital. Attracts success and prosperity, contributes to enrichment. Increases your activity.

REACHING THE PEAK OF GOOD Glyphs enhance the energy of previous glyphs and produce results. These are the fruits of your labor, as well as seeds that will give new shoots.

Becoming a way out of a difficult financial situation

Becoming Quick Money Making

THIS GALDRASTAV IS GOOD FOR THOSE WHO NEEDS MONEY

OR OTHER MATERIALS.

FOR THIS IT IS NECESSARY TO MAKE IT ON WOOD OR HEAVY PAPER.

IF YOU WANT IT TO WORK VERY FAST AND STRONGER, THEN

COLOR IT WITH YOUR BLOOD.

IT IS POSSIBLE AND WITHOUT BLOOD, OF COURSE, BUT MANY STAVES AND RUNES TO INCREASE COLORED IN BLOOD.

AFTER MAKING THIS STAVA, CLEARLY SAY THE GALDOR OF ITS ACTIVATION OR SANCTIONING:

"YGG VADRAT TING FEU RIAM DAGA ANSA"

SAY THIS THREE TIMES, AND THEN MAKE AN INTENTION THAT IT IS THIS TO GIVE YOU THIS STAV:

"THE POWER OF VOTAN, VILLY AND VE, LET THIS MAGIC STAV

WILL BRING ME IN THE NEAREST TIME (NAME THE MEANS AND

FOR WHAT PURPOSE). LORD ASGARD, ONE MIGHTY,

SCRAP AND FILL IT WITH POWER. "

CARRY IT WITH YOU AND YOU WILL SEE ITS ACTION!

Becoming a money frog

A simple solution for those who have money channel problems:

Adding a "coin" (like a three-legged toad in Feng Shui) - the Sol runes add extra energy to the stav necessary to unblock the channel.

Algiz (2) - Soul (2) - Kenaz (2) - Perth - Otal - Fehu (2).

Hyera (background).

Algiz (2) - send cash flow to us and at the same time are protection so that money does not slip away;

Soul (2) - guarantee success and good money, energize the frog;

Kenaz (2) - the embodiment of the plan brings joy and moral satisfaction;

Perth - actually an open wallet - a chance, luck to get money; enhances becoming;

Otal - protection of well-being - provides new financial opportunities and cash receipts;

Fehu (2) - money and material goods - provide wealth and prosperity;

Hyera (second plan) - reward and constant cash flow.

Ex. suitable rhyme:

Money gives me great strength!

The one that walks the world with success,

Gives me joy, power, power.

I enjoy it all to my heart's content.

With great pleasure I bathe in money.

Everything that happens in dreams comes true.

Money sticks to me like a magnet.

They double and triple wealth.

Money brings me success and luck -

There is a summer cottage by the sea and a lot of luck.

I admire how the runes developed.

I am Fortune's favorite pet!

Becoming the Money Mill

working runes - dagaz, fehu, sovilo

becoming a mill, it is enough to apply it to cardboard or paper and put it in a wallet. Needless to say, he himself converts the incoming energy into a monetary equivalent.

Becoming Money Mill 2

Becoming a Money Seal

4 Feu, 4 Uruz, Gebo. The circle plays a role as a protection from the encroachments of enemy faces, a magnifying glass for projecting onto us and a sphere with the energies we need in which we are.

Feu - money, luck Uruz - explosive abrupt changes Gebo - I think there is no need to explain)))

Becoming a Money Swastika

Elm "Money swastika" consists of 4 Algiz, 4 Fehu, 4 Soulou and Gebo runes. The total number of runes in the ligature is 13 - one of the main key numbers in the runic system.

The talisman can be made on an oak plank. On the back of the talisman, you need to carve your name in runic form or a monogram in a circle, and on the front side - this compound rune in a circle. Then you will need to paint the runes with green paint, but better your blood. During the ritual of consecration, you need to turn to the Torah. Whenever you accidentally hurt yourself, take out your talisman and draw blood over each rune while saying its name. Over time, the artifact will gain strength and your financial situation will improve significantly.

Becoming Money luck 1

Runes used: Mannaz, Laguz, Fehu, Inguz, Algiz, Vuno, Yera.

The elm is inscribed in the Victory rune, and supplemented by the Aesov Letters.

Sample disclaimer:

Let the money come to me from different sources, grow, multiply and persist.

And all this without harm to me and my family and friends. And without harm to my (our) property. The second part so that different sources for receiving money do not turn out to be any, for example, monetary compensation for damage caused, insurance payments etc.

Becoming Money Luck 2

Money comes from different sources, this is a well-paid job, and gifts from friends and relatives and just gifts of fate.

Laguz - we use to find money energy

Evaz is a driving force, movement of money as a process

Fehu + Otal - cash receipts.

Algiz - protection from money losses, unforeseen expenses.

Salt is the necessary energy for the work of the stav.

Runes of the second plan Inguz - prosperity

Gebo and Eyvaz - runes of luck, allowing you to get what you want, being in the right place at the right time

Comments Vannadis

Wonderful becoming turned out. The magnificent structure, the runes are very well selected and inscribed, everything is absolutely correct and it turned out well, becoming effective, harmonious and strong. By action, you can also add that becoming is also designed for success in business in general, any goal associated with business can be achieved with the help of it, there can be successful negotiations and sponsorship for the business, all aspects related to business are also included in this position, in addition, we can say that becoming is calculated and so that a person achieves what he wants, achieves the intended goal, not necessarily related to monetary issues, magnificent, very good becoming.

Becoming tested. Within two weeks of the work of the stav;

I put 100 rubles on my phone in Euroset, three days later I received a message about replenishing the account for another 100 rubles, the date is the same, Euroset. It turned out that they put money into my account twice. I won a 50% discount in a shoe store when buying shoes in the lottery. Shoes that cost 2800 rubles. got me for 1400.

Becoming a money tree

Becoming Money Flies

Becoming a Money Club

Naud Fehu Laguz bring money egregor to dialogue

Yera Uruz Berkana Get the status of a VIP member in the money club (Egregora)

Odal Fehu Evaz and as a member of the club receive mat help from this money

society (Egregora)

vertical

Naud Iera Odal squeeze into the egregore

Fehu Uruz Fehu Material power, strength (consistency)

Laguz Berkana Evaz a rapid increase in assistance from egregore

Becoming a Money Bag

From the name it is clear that becoming is needed for enrichment, in in this case through honest work.

Perth - bag

Fehu - money

Kano - we are looking for honest earnings

Laguz - honest earnings cash flow

Better to cut on a piece of leather, sanctify and put in a wallet. Due to the fact that this is Perto's rune, it still asks for where you keep your money.

Money pentacle

Becoming Cash Flow

Runes in stav

Vunyo + Fehu (Thanks to Montana and Espe for such a bundle) - we enjoy the fact that we receive material benefits. Whether it's a gift or something else.

Soulo + Laguz - energy, well-being and joy itself.

Hyera - renewal, cyclicity, the time that you set for the formula to work and through what effect to update it.

Sample disclaimer:

This rune becoming brings into my life joy and material wealth and joy and various gifts that I need.

Becoming Money Progress

Becoming Monetary

Dot Operator

Salt-gives energy to the stave

2 Laguz-cash flows. Mirror Laguz here is not just to sail in a boat with the flow, where it will bring, but already to manage this boat. That is, I go and specifically buy a lottery ticket. Or: I go for a specific thing and get on decent discounts. what you need.

2 Fehu-embodied material goods (there may be not only money, but also gifts)

Evaz-direction of movement. We are in the right place at the right time.

Hyera-cyclicity.

Second plan: 2 Vunyo - joy and satisfaction from what has been received

Odal accumulation and conservation

Gebo stylized from the Evaz compound (s) - luck.

It is possible to stipulate secondarily Teyvaz-determination or determination.

For the purity of testing, I can’t say anything, because from mid-December to today, several upgrades were tested at once.

But I can say that since the end of December, the results are very good.In the form of gifts: from jewelry, vouchers to a sanatorium and a water park (a lottery was played at one party), inviting friends to relax on the coast to all kinds of discounts, gift vouchers and theater tickets, premiums to a mobile phone.

Becoming Monetary Factor

The purpose of the stav: improving and protecting the financial condition of the target.

The construction used the rune and beeches of the all-world letter

The frame of Bukov Ma is a cross (serves as the energy frame of the stave), the middle of the cross is a dot - the object is our monetary energy structure.

Dagaz - the transition from state A to state B. (And this is the financial state of the object of influence now, B - what we want to achieve - we paint, keeping an eye on the absence of contradictions). Soulo - helps the action of Dagaz, removes everything that interferes with receiving the desired benefits, saturates the energy structures with solar energy.

Laguz - we create additional flow through the money channel than we clean up, something that Soulo did not clean. + saturates the flow of energy with the flow of Lagus - we create such a whirlpool. 4 Fehu, 4 Wunye - money + the ability to use them to achieve what you want. We conclude in Hyera - i.e. we set the cycle to the process.

I deliberately drew one Wunye outside Hyera - this shows how the desired goes to implementation. It is not necessary for every branch of Wunye to touch Yero, draw it as it goes. And around all this Bukova Az. Powerful protection of you, the funds received and benefits for them, plus creates a space-time corridor for the action of the stave.

Money

It is better to draw on a cardboard with a green felt-tip pen and in a wallet.

Connection to money egregore

Becoming Money and Luck

Such a thing was born in my head about a month ago. I drew it at work 2 days before going on vacation, drew it and forgot about it, after about 2 weeks, I’m already on vacation, suddenly the events start to spin at such a speed that I barely have time to assimilate the incoming information about possible additional. earnings. I never remembered this drawing, but at the end of my vacation I go to work and here it is, lying on my desktop ... and here it dawned on me who was the culprit of all the events that happened.

I will say this, I did not activate it in some special way, I just drew it and forgot, in such a situation it took 2 weeks to spin. I think if you carry out a normal ritual, lighting and everything that is required, the result will be even more stunning!

USE AS A Glyph! that is, as a single sign

Becoming Money

Becoming money and wealth

Becoming the Golden Dragon

Having become proven by many acquaintances, the worker unwinds from 2-3 days to 2 weeks.

Activated - slander, breathing, saliva. And I mentally let go of the flight and imagine how a real dragon takes off. In the agreement I indicate that after the end of the work I will burn it with gratitude.

According to the experience of other users, you can not draw it at all, but imagine how it turns into a living dragon and flies away. Mental activation is enough for him.

Works very well when applied to a candle - also another user's experience.

Working runes: Teyvaz, 4 Inguz, 2 Laguz, Dagaz, Evaz, Mannaz, Algiz

Teyvaz - clears the path to money

Algiz - protects us on this path

Evaz is the horse that carries us to money

Dagaz - transforming our life into a richer one with new income

Mannaz - actually the man himself

Inguzs (lying sideways - dragon wings) are actually the very wealth that should come to us in life

Lagusa - increase the financial flow, making it constant

Actually, a few words about the results of the work.

One friend's number of business orders grew by about 25% (according to his estimate) in three weeks of wearing the stav. Plus, a second source of income has appeared. Plus, little things began to find money on the street.

My friend was offered additional work, plus orders for writing business plans came. Here it is interesting that one lady, a specialist in writing business plans, refused from these clients for completely unclear reasons and her regular clients came to my friend. But there is some, but as the practice of using the "Dragon" has shown, about 50% of the first starts to go hard cleaning. True, everything goes smoothly in the end and ends well, after that money starts to flow. Therefore, my advice is, if you are not sure, it is better to first clean, and then apply the Dragon. Although for the second 50% everything goes smoothly and after becoming immediately starts working in terms of money.

Becoming the Golden Cross

"Golden Cross", it is desirable to apply on yellow metal (for ladies and those who do not want to bother with a file, there is an option of applying it on foil paper, since there is plenty of it now).

What attracts

What will be complete

Filled with gold

Marked with gold

For the good and the legacy.

Let many tough coins weigh down your pocket and wallet.

On this becoming, I also received a lot of positive feedback, a characteristic feature of this position was a change in the internal attitude towards money, income and ways of receiving money in general. Over time, the idea was developed in a similar combination of runes, but focused more on changing external circumstances in the direction of generating more income. From a minimum of 1.5 to a maximum of 5 times the income of those working with this staff increased. At the same time, both staves highlighted the problems in connection with which income was blocked, both on the external and internal plans.

As for the center, this is the basis for the development of intention in a certain direction, consists of Evaz + 2 Manaz, - creates the mood that money will come and this setting gets stronger as it is used + Otal, - can be considered bins, barns or a place to create conditions for attracting money.

Rune Fehu in ligature is still there and doubled twice.

I really like the elm on the sides, the union of two powerful animals Algiz + Uruz (albeit a mutant, but what kind). In general, a ligature for overcoming obstacles in the Kennaz + Nautiz combination (inspiration, fuse, inspiration), or rather to sweep them off the road. Believe me, if you were on a moose hunt and saw him running through a young forest, you would remember this forever, the impression is that a very fast tractor with a bucket on its head is rushing. And it is very easy to follow him, the ladder is well trampled, and this is a big plus in achieving money. "

Becoming Piggy Bank II

It is more powerful than the first. To avoid questions about drawing runes, I marked everything in the picture by color.

By runes:

Fehu + Fehu incarnation, Otal + Otal incarnation, Bereginya. In the background - Inguz.

He collects denyushki into the house (provided that we negotiate denyushki ... otherwise he will collect everything ...) and breeds them!

The operating instructions are the same:

Standing to the north, downstairs - a box with money (coins). As soon as the profit goes, we throw in a couple of pieces of paper to "feed" the piggy bank and become, and then boldly spend them. We put a bill (from one to 3x) on the recharge in ascending order. DO NOT spend coins from the box under any circumstances!

Becoming an avalanche

Runes:
Perth is actually a bag open above us.
Fehu - or rather, a whirlpool of them - "money is collected over your head"! Gathering .. gathering .. accumulating ... waiting ... And then kaaaak will fall !! -
per. Tyr - The inability to resist the emerging situation (the legs will carry them where necessary) + cutting off interfering factors Madr (Mannaz) - this is actually our head, where the amount will fall.

Becoming a Logo

Feu - work, money

Tours - breakthrough, defense

Wunyo - luck

You can also activate Uruza, Kano and Lagusa

The formula can be applied to work, business, everything related to money

Becoming a patron

Ringed Kenaz and Yero in a bundle

That is, for the fact that I am "So-Rastakaya" you should generously give me

A hassle of pulling out of the environment of all sorts of amenities. Money, promotions, recognition ..

Becoming the opening of the money channel.

First column (closed):

lagus lane - a closed channel,

Turisaz and Hagalaz - destruction of everything that blocks and closes the channel

Second column (clear channel): Lagus, Fehu, Vuno.

The mechanism is simple: becoming destroys everything that blocks, closes and does not allow the money channel to work fully.

This formula destroys and destroys obstacles, congestion, barriers, programs and subprograms, as well as magical and other processes and influences, as well as situations and opportunities that interfere with the monetary and material enrichment and well-being of the object. This formula opens up free and unhindered access to information and the possibilities of a channel of monetary and material enrichment and well-being, and also allows you to freely and freely receive the requested monetary and material benefits, and this brings pleasure and satisfaction to the operator. Becoming tested.

I tested it on a friend who never won anything. As a result, people began to win, however, the amounts are insignificant, but nice. Moreover, he found a job that satisfies him in terms of money.

Becoming a pillow for your beloved.

Along the edges:

top-left: the rune of the elves of the earth, used to summon the elves of the earth, the rune is used to increase wealth and prosperity, it can be used to increase income, in addition, the rune can be used for successful construction, to achieve any material goals.

top-right: the rune is designed to summon earth elves, can be used to summon elves to attract good luck, for well-being and prosperity.

bottom-left: the rune of the elves of the earth, used for transactions, to conclude lucrative contracts, and it can work as an amplifier of intuition, during negotiations, can be used to find out if they tell you the truth, how honest and profitable the contract can be used for to convince someone to conclude a contract or deal, this rune in addition has the inherent properties of a hassle for speech.

bottom-right: a common rune of elves of any kind - it is used to summon any creatures, it is found quite often in various stavs, in order to more accurately say about the nature of the summoned creatures, neighboring runes are considered.

On the defense of the stav - Algizy + Morok (so that no one understands what this pillow is for) and Algizy + Teyvaza))

Around the stav 2 Hyeres for yield and cyclicity))

In fact, inside the stave, you can put any ligature for luck, prosperity, income growth, love, etc., embroider a pillow and make a talisman out of it for the house)))) Inguzi and Berkans will only enhance her actions)))

To stipulate as usual, the gifts for the elves of the earth are the same (you can colored stones, flowers, honey in a plate, sweets, or you can have a bag of fresh earth under a tree)))

Becoming the Staff of Fenrir I is a money talisman.

Runes: Hagal - Mannaz + Othala - Raido + Naud - Fehu (4) + Sol - Gebo + Algiz (background) + Fehu (2) (background) + Inguz + Dagaz + Othala + Thurisaz (2) (background) + Kenaz + Jera (background) + Wunjo - As (2) + Sol

Hagal - we destroy problems and obstacles;

Mannaz + Othala - we change the situation around the subject of Mannaz, so that rich gifts and generous privileges come into his life.

Raido + Naud - "Banishing Cross", where Raido is a road, movement in a given (monetary) direction, and Naud is a rune of compulsion. The "Banishing Cross" ensures the actuation of the stav.

Fehu (4) + Sol - reward; Sol will also provide energy for the stav to work.

Gebo + Algiz (background) + Fehu (2) (background) + Inguz + Dagaz + Othala + Thurisaz (2) (background) + Kenaz + Jera (background) + Wunjo - breakthrough, dramatic changes in financial terms, the associated new life stage of well-being, the concentration of will and the embodiment of the conceived, stability brings money (the gift of money) and joy, and Thurisaz (2) (second plan) - chops off the problems of receipt and transfer of money.

As (2) + Sol - protection.

Becoming the Staff of Fenrir II is a money talisman.

Runes: Hagal - Mannaz + Othala - Raido + Naud - Fehu (4) + Sowelo (4) + Laguz (4) + Mannaz + Othala - Naud - Gebo + Algiz (background) + Fehu (2) (background) + Inguz + Dagaz + Mannaz + Othala (background) + Thurisaz (2) (background) + Kenaz (background) + Wunjo - Ger - As (2) + Sol.

Hagal - destroys problems and obstacles;

Mannaz + Othala - Changes the situation around operator Mannaz to bring rich gifts and generous privileges into his life.

Raido + Naud - "Banishing Cross", where Raido is a road, movement in a given (monetary) direction, and Naud is a rune of compulsion. The "banishing cross" ensures the activation of the stav and the transfer of the operator to the financial flows.

Fehu (4) + Sowelo (4) + Laguz (4) - financial circulation; Sowelo also give energy for the work of the stav, Laguz (surf runes) - form financial flows and carry the operator Mannaz + Othala along;

Naud - forces you to follow the chosen path;

Gebo + Algiz (second plan) + Fehu (2) (second plan) + Inguz + Dagaz + Mannaz + Othala (second plan) + Thurisaz (2) (second plan) + Wunjo - a breakthrough, dramatic changes in financial terms for the operator, associated with these changes, a new life stage of well-being, the concentration of will and the embodiment of the conceived, stability brings money (the gift of money) and joy, and Thurisaz (2) (second plan) - chops off the problems of the receipt and transfer of money.

Ger - a plentiful constant cash crop;

As (2) + Sol - protection.

The talisman ensures the transfer of the operator to the path of financial flows, where his financial well-being and prosperity becomes possible.

The arrival of money and keeping them from spending.

Becoming Acceleration (increase) of funds.

4 Fehu on Inguz inside which 3 Soulo

Fehu - money, but as a derivative of wealth;

Inguz - fruits, release of the potential of money, money energy;

Soulo is the energy of money.

The formula for money itself. Tested, but only with an existing source of income.

Why overclocking usually works quickly. 4 hours after the creation of the formula, the person receives the award)

It is advisable to update from time to time. After what time depends on the specific person who made the formula. About the carrier. Better, of course, a talisman (tree) with a great ritual. On paper and in a wallet, you can, or you can also in a photo.

I had a situation when the bonus was not paid at work, because. the managers have debts on documents. Until we close all the debts, we will not see a bonus. And I have to pay for the apartment. In the morning I wrote on a piece of paper "my prize for October" and put this on top. At 12 o'clock the deputy director summoned me, talked to me sincerely, I promised to close all my debts and he signed me a bonus! They issued from the whole firm only to me and my partner in the department, i.e. to our department, nobody else.

Runetain Wealth

It consists of two runes: Feu (wealth, acquisition) and Otal (acquisition and protection of property). Two Feu runes surround the Otal rune: closed between them, this rune is constantly fueled by power, creating for you a powerful stream of accumulation of material values. You can draw the formula with a pen on a piece of paper and carry it with you, or you can draw it on the palm of your left hand.

Becoming cash flow

The Becoming I represent today is designed to bring money and financial luck into your life. His energy is directed towards enrichment.

For some people, this word is associated with the desire to live in prosperity, to have money. For others, wealth is spiritual development. Remember? "It is easier for a camel to enter the eye of a needle than for a rich man to enter the Kingdom of Heaven." And in heaven, oh, how you want.

How can this contradiction be resolved? For myself, I have already resolved it. I have my own image of this word.

Let's look at the dictionary of the Russian language ...

"Wealth is an abundance of material values, money."

Now let's turn to the etymology, that is, the origin of this word.

In the word WEALTH, the main root is GOD.

The ancient Slavic root GOD means "endowing wealth", "bestowing prosperity."

Interestingly, the Indo-European origin says the same: bhaga- "welfare", "happiness", as well as "bestowing", "bestowing".

In Greek, this word carries such concepts as "loaf of bread", "lord", "king".

As you can see, there is a big difference in the modern definition of this word and in the root semantic meaning. What it is - we will show further.

1. Take, for example, such a sphere of life as health (and health, both physical and mental). … ..Health is a state when you live in harmony with yourself and with the world around you.

Rockefeller, for example, had a lot of money, but was sick all his life. He had an incurable disease. Until now, police officers are on duty near his grave, because it has been desecrated many times. Some of his descendants also suffered from incurable diseases. He realized himself in several areas of life. In others, there is disharmony.

If a person has a lot of money but is not healthy, I will never call him rich. Rather, he is a financially wealthy person, but he is still far from real wealth.

Hence the popular expression: "Health is true wealth, you cannot buy it for any money."

2. A prosperous family, a prosperous and prosperous family. Isn't this wealth? Noble (that is, giving birth to good) and grateful (giving good) descendants - isn't this happiness for parents?

3. Financial, material well-being. This is another component of wealth.

It is very important to live in abundance and have enough money to realize your innermost desires and pure, wonderful intentions in life.

4. Favorable relationships with people reflect our interaction with the world around us. "Don't have a hundred rubles, but have a hundred friends." What is a friend? This is a different I. That is, this is the person in the outside world who reflects my hidden, subconscious programs and helps me to live and develop.

5. Having a favorite activity that brings material and spiritual satisfaction. It is thanks to this kind of work that I self-actualize, self-improve, become self-sufficient (the root is “prosperity”, “become”).

This is an honor and a worthy name, knowledge and experience that I can pass on to my children. It is my business that determines my social status, that is, my position in society. This is what I do for people, what will glorify me, my family and my Motherland. In my opinion, without all this, talking about wealth is simply meaningless.

6. The presence of a family estate. This part of our diagram should have been put first. Because it is with the family and family estate that everything begins. A happy person is that person who is part of the whole. He has a part of the Motherland. This is precisely the part of the family estate, your Garden of Eden, your estate, in which harmonious interaction with the forces of Nature and the management of these forces are manifested.

It is interesting to note that the ancient Chinese science of the world around Feng Shui identifies eight types of luck, which are similar in many respects to our spheres.

8 types of luck:

1. Wealth and prosperity - luck in money.

2. A happy marriage is luck in love.

3. Good children, especially sons - good luck to descendants.

Becoming a Financial Success

It is designed to remove obstacles in financial affairs, to achieve success in the field of material well-being, becoming gives strength and opportunities to overcome difficulties, hides a person's wealth from magical effects and gives good profit in any business. The bet is mainly designed only for the financial sphere. . Runes in the stav - Fehu, Ar, Uruz, rune of moroka, elf-runes. Wonderful, good becoming

Becoming Sly Sun

Becoming a magnet. Becoming asymmetric, with a displaced center, which makes its action very fast. Classic rune ligaments: Laguz-Turisaz channel clearing. Fehu-Raido - we direct the cash flow to us. Otal-Yera is our drive. I do not remember the author of this link, I apologize. Tested for a couple of months in different versions. The base of the glyph-magnet and the bundles of runes were constant, the letters changed to concretize a particular goal.

Becoming Monetary Ligature

"ITS ACTION AIMED AT ATTRACTING MATERIAL GOODS, MONEY, SUCCESS, HONOR AND GROWTH IN THESE CASES. THE TALISMAN HAS BEEN DESIGNED FOR POWERFUL IMPACT. DESCRIPTION OF THE TECHNOLOGY: IMPACT.
AROUND EVERY PERSON IS ALWAYS FULL OF MATERIAL GOODS. THE TALISMAN PROMOTES THE ATTRACTION OF THESE MATERIAL GOODS TO THE BEARER OF THE TALISMAN LITERALLY FROM ALL SIDES IN A HARMONIOUS ASPECT IN A GOOD WAY. The material is a spruce or cedar board. "
Having become tested. Drawn on paper, gave intention, activated with fire. The next day I found 150 rubles on the road. How much I invested, I got so much.))) It's still nice, the last time I found money was 7 years ago.

Becoming Eldorado

ELDORADO (preservation and accumulation material resources)
This ligature serves to accumulate and preserve material resources. Four-stringed ligature in 4 notes: Fehu, Vunye, Ingvaz and Algiz. The main leitmotif is the main core of the ligature, which is a complex united movement of energies - Fehu, Vunye, Algiz. This is the fundamental factor of influence on the creation of the necessary. There is the formation of three notes of sounding the unification of energies: Inguz, Fehu and Vunye, which all together gives a strong and reliable edge for solving a given situation.
Thus, becoming contains two more three-rune ligatures, flowing one into one, with the help of uniting runes: Fehu and Vunye.
Hidden three-stringed ligatures give the basic ligature a shade of the dynamics of the process in motion, which serves to move something from its place, to change the situation for the better.

The task of tying (thought form): Preserving and accumulating power, obtaining what you want, namely: preserving existing material resources, as well as accumulating new ones, by
dead center shift and further dynamic movement.

Application: Basic Fehu (money, material values) add Vunye (bringing joy, or rather the ability to evaluate first what is), then Algiz, as a factor of protection and material resources and the joy of their possession, which will allow the querent not to harm himself, but to properly dispose of the benefits.
Inguz - productivity, self-awareness.
In the background, you can see Soulo: Clarity of thought and creativity.
However, since Soulo appears in the background, then from scratch the Runa will not provide us with this very clarity of thought and creativity, it can only enhance the already existing potential. However, everyone has it, and therefore we can safely stipulate Rune 2 of Soulo's plan.

Becoming Avantage

Description of the actions of the respected Vannadis: "... excellent becoming for making deals, contracts, for getting what you want, this is with regard to the action of the stav in ordinary life, in addition, becoming can develop the ability to clairvoyance and clairvoyance, depending on what aspect of the stav's action will be used, here we can talk about predicting the actions of partners or opponents, as a side of clairvoyance, I would say that becoming most of all aimed precisely at clairvoyance in the field of business and finance. Very good, harmonious and magnificent becoming. "

Becoming Banknote

Becoming a barberry

In the center:
Salt - operator
Big Salt - accumulation and protection of material benefits from the operator himself

Diagonally:
Evaz - Raido - coming along all the roads of material goods
Along the axes:
Sol - burning blocks, opening financial channels
Fehu - Fehu (zerk.) - drainage of specifically requested benefits in fin. Channels
Teyvaz - Algiz - strengthening and protection of the flow
A circle with a dot is a glyph as a protection against negative impacts on financial flows and also a cyclical process, clarity and fertility
Arcs - Halder flow amplifiers

In the stave, runes of the second plan are visible, which can be added under the task:
Inguz - the accumulation of material wealth and their growth.
Gebo + Vunyo - a gift, good luck - if your finances are associated with luck

Be sure to activate a small circle with blood with a stipulation and ritual.
Better immediately on the carrier or amulet. For the amulet, wood, birch bark, leather are suitable. The stone is not desirable. And it is advisable to put it where you store the fixed capital.

Apply to yourself on the left shoulder or on a brush, or as an amulet on the chest. From the third chakra and above.
Agreement: D.R.Stav, from the moment of activation, by burning any blocks, opens closed financial flows to the operator, brings by any convenient ways from any sources (excluding banking systems lending,
illegal ways), with ease and comfort for the operator specifically requested material and monetary benefits (what is needed ...), (with a specified cyclical time or at a time). From the moment of activation and may prosperity, financial growth and stable financial well-being arrive with the operator, with the protection and patronage of the Gods from magical effects, of any nature and character and any kind of hassle, stipulated material wealth and financial flows.

Notes:
Halder is programmed to, in addition to attracting specific material benefits, also to destroy the clamps and obstacles to financial flows.

We all have to deal with money in one way or another throughout our lives. During the entire time of work through an ordinary person it takes at least 100 thousand dollars, or even more. are an important aspect of our life. Having an orderly idea of \u200b\u200bthe movement of money, you can achieve good well-being already in this life. We say this because many have lost faith in their capabilities. You don't even have to save a lot, but only perform the right actions. Learn more about personal finance and how it is accounted for.

• Content:

Definition of the concept

This is a collection of all the funds that a particular person possesses, in cash and in electronic form. This also includes financial instruments to achieve certain goals related to money. It is important to remember that finance is not equal to money.

• finance ≠ money

Money is one of the instruments in the economy of the state, specific bills in your wallet or numbers in a bank account. Essentially, it is debt bill, which has a price, as long as the state has the trust of citizens. The same principle underlies all world currencies.

Finance is money held in handlingwhich allows them to create other money. As long as the funds are in your wallet, they are considered personal money. If they start to make a profit, then it is no longer just money, but financial resources.

Let's make the first important conclusion. You can keep personal money at home in the hope of saving it. In this case, they are inevitably subject to inflation and risk becoming wrappers over time. Denomination, hyperinflation, devaluation, default - all these and other unpleasant events leading to depreciation national currencyoccur quite often. Looking at savings and incomes as personal finances opens up opportunities not only to save them, but also to increase them.

Management always starts with accounting. The very fact of paying attention to the problem is an incentive to improve the situation. As soon as you start counting costs, they automatically begin to decline. require control, which includes and new approach in budget allocation. The 50-30-20 method will help determine the structure of the distribution of earnings.

Method 50-30-20

The good thing about this method is that it is very easy to remember. Its essence is to spend 50% of all incoming funds on necessary needs (food, accommodation, utility bills, transport, etc.), 30% to spend on your own pleasures and purchases that are not necessary (travel, cinema , restaurants and other establishments), and save 20% of the incoming funds.

• 50% for necessary
• 30% on pleasure
• 20% on a rainy day

This method is really very good, as it is suitable for many people and allows you to save up a considerable amount over a certain period of time. You criterion appears, according to which you can postpone or completely cancel some optional purchase, for the sake of future well-being.

Unplanned expenses

Exactly spontaneous spending represent the main threat to their own budget and require special attention. Sometimes you have to pamper yourself for your successes. It also happens that unfavorable circumstances force us to incur serious costs. By exercising control over the movement of funds, you get at least two ways to smooth out the negative effect of emotional or unplanned acquisitions.

First, you can ditch most of them in favor of a balanced budget. Secondly, personal finances in the form of a reserve will help to avoid a debt trap if it is impossible to deny yourself expenses.

• unplanned expenses - under special control

Effective use of money

Here are some tips to help you use your personal funds wisely. All wealthy people have similar items as part of their financial plan... It doesn't matter how much you make if you don't have good financial habits ... The poor mindset will lead to no money at any income level.

• get yourself into good financial habits

Track your expenses

Set aside one trial month where you will record all your spending. You will be surprised how much money you spend on all sorts of little things that you could do without. Personal finance does not forgive self-neglect. The idea of \u200b\u200byour own expense items will encourage you to be more economical and more efficient in managing funds.

Eliminate spontaneous purchases

Modern marketing systems are aimed at constantly stimulating purchases. The faster you make a decision, the easier it is to part with money. Even if there are not enough of them, profitable loans and even interest-free installments are at your service. Having a personal financial plan will make it easier for you to resist emotional acquisitions.

Always save some of your income

It is important to set aside some of your income every month... Let it be at least 10%, but it will become your habit. A fund is formed from this money financial security, and then the first investments are made. All rich people save and multiply the delta, some of them save up to 80% of their income.

Save money for a rainy day

Even if such a day does not come, it is always necessary to have personal security fund... He will help in case of financial problems or simply save you from a debt hole. The standard size of such a fund is 6 average monthly expenses, or better 12.

• financial security \u003d reserve (6-12 monthly expenses)

Always have a strategy

Decide what material goals you want to achieve in the short and long term. Based on how much money you need for this, form your spending. The 50-30-20 method described above can be a very good solution.

All the tips described above are components personal financial plan... If you don't have a wealth plan, then you have a poverty plan. If you don't have a spending plan, then all your purchases are spontaneous. If you don't have your own disposition plan own funds and property, then the banks and the government have it. And then personal finances are no longer yours.

Use modern technology

Nowadays, programs and applications have been developed that allow you to significantly simplify the accounting of such an important factor of well-being as personal finance. Download one or more applications to your smartphone for a trial. Stop choosing the most suitable one and get into the habit of using it regularly - the effect will not keep you waiting long.

Personal finance tools

There are many tools for managing your own budget. Any action in this direction will improve well-being. You can record the costs in a notebook, and then analyze the results. You can use modern tools - smartphone apps. Consider several personal finance management programs.

An excellent application that allows you to keep track of your expenses and income, set financial goals, compose personal or family budget... ZenMoney is supported by all popular operating systems, runs on a PC.

Possibly the most advanced application with a number of additional functions and opportunities. Allows you to create multiple accounts and link them to specific bank cards... Supports multicurrency. Allows you to set financial goals, and also provides tools for monitoring their implementation. EasyFinance is also capable of advising if you are not saving enough money. Works on both iOS and Android.

The simplest and most intuitive app for iOS and Android. The wallet allows you to collect all credit and discount cards in one place, receive information about discounts and promotions, pay for travel with an attached transport card... The app is free.

The application is equipped with very nice icons and well thought-out design. It has a considerable number of useful tools and capabilities that allow you to take control of your own finances to a new level. CoinKeeper has an “automatic budget” function, the essence of which is that the application calculates the main monthly expenses by itself.

The complexity of personal finance

Accounting problem personal finance many people have unwillingness to do it... You need to write down your spending, analyze it, draw up a budget and stick to it. It all seems like a chore and requires a lot of effort.

• if you don't pay attention to your money, it will flow to the "more attentive" owners

Wealthy people can afford to hire an assistant or financial advisorwho will do the chores for them. If you are of medium or low income, you still have to take on these functions. Otherwise, banks and the state will "take care" of you in such a way that by retirement you will be left without a penny of free money.

Money game for everyone

To do something effortlessly, you have to do it with interest. Since the first money appeared, the whole world has been playing the game "Who owes whom?" Some do it deliberately and enthusiastically, others are forced to play it according to someone else's rules and constantly lose. Make personal finance an exciting game, come up with your own combinations (within the framework of the legislation) and win.

Improving financial literacy contributes to the correct management of personal funds. Unfortunately, this is not taught in school. Therefore, each person must solve this issue independently and without fail pass on the knowledge gained to his children. Thus, in the modern world, it will be possible to raise at least a part of the generation that is able to solve material problems on its own.

Banks and the government see only obedient consumers in the population, they will never be interested in the independence of citizens. The maximum that these institutions are capable of is to teach you how to take loans “correctly” and deposit free funds into the pension fund, without giving any guarantees for your comfortable old age.

This is the first and most cheap way improving financial literacy... You have already paid for the Internet, and there are many useful information in free access. You only need to invest your time to achieve your first successes. By adopting a few simple tips, you can free up some of the funds for further investment in self-development.

Perhaps you are sorely lacking just free time, which is a direct consequence of falling into a financial trap. In such a situation, start with personal time managementby reading our.

Specialized literature

Desirable build your library on paper. Knowledge without material reinforcement quickly disappears if you do not have time to turn it into a skill. It is useful to re-read books after achieving certain success, since in this case new facets of meaning in the "old" sentences will open to you. One can fully understand the depth of the content only by reaching the level of development of the author of the book.

Traditional education, including higher education, is designed to make you a good performer of someone else's will. In a practical sense, it is useful only to learn how to independently acquire new knowledge. And the process of self-education must be continued for the rest of your life.

The seminars are designed to provide maximum useful information on a narrow topic in a short time. In such a seminar, a person with practical experience concentrates on giving you information on how to achieve the same result, bypassing the mistakes of the pioneer. If you already know how to earn more than you spend, be sure to try visiting paid financial literacy courses.

Free cheese

Now there are a lot of different offers on the information business market. Free seminars are also widely distributed, organized by network marketing companies... If you are offered to get some knowledge for free, and the seminar is held in a chic environment, then most likely you will be beautifully sold anything except useful skills. But even such an experience will be useful in order to subsequently be able to separate the grains from the chaff.

With the right approach, investing in your own training pays off many times over. It is impossible to pass this path without mistakes, but they will give the most valuable experience that you will not learn by rereading smart books at least a hundred times. Only actions bring you closer to the result.

A little about network marketing

In countries the former USSR network marketing companies have earned more of a bad name. Meanwhile, it is very democratic way to enter the business worldwithout leaving the main job right away and without making huge investments, unlike buying a ready-made system (franchising). To achieve real results in network marketing, when choosing a company, you should pay attention to its components in the following order:

1. Good reputation
2. Personal development programs
3. Strong team of mentors
4. People in the state with whom it is pleasant to communicate
5. Quality product

Note yourself the product matters last... Where he is put first, it will be difficult to grow into a good leader. Rather, you will become a good customer. We do not aim to denigrate network marketing, for a certain type of people it can really be a good road to well-being.

From point of view personal finance, communication in the MLM circle can help to find like-minded peoplewho are ready to talk about money with interest. And this is already half the battle, since most people, at the mention of money, only frown in disgust and try to change the subject. This explains a lot why money also shuns such people with disgust.

• respect money so that it reciprocates

You can also try create your own business system... Having a background in network marketing, you will be surprised how the right things are said by its representatives. The problem of transition from employees to businessmen is that people from different realities perceive the same words in completely different ways. Once you broaden your business reality, you will discover new meanings that are not available to employees.

Personal finance in investing

Even if you don't have any surplus money, you need to have a plan for when it will appear. Otherwise, all "extra" funds will invariably be diluted. Put in an envelope - and they will lose their value every day, according to the prevailing economic laws of our time.

This is better than living in debt or balancing at zero. But this is not enough to secure yourself financial freedom. The first steps of a novice investor are described in the article "". In our time, everyone should become investors in order to be able to save and increase what they have earned.

Investors higher levels use other people's money (DDL) to create assets that will bring them income. This includes your funds lying on bank deposit or in pension fund... To learn how to manage other people's money, you have to go through a stage of trial and error. For this, you will need your own savings so that experiments with loans do not drive you into debt.

Showing attention and respect for personal finances, you get the opportunity to gain control over your own life and turn it in the desired direction. The phrase "money attracts money" is not an accident. When you are in control of your life and in harmony with wealth, you begin to see more and more opportunities for additional income without significant effort. Other people with money will also take an interest in you, so that together they can add to your overall wealth.

In this article, are disclosed to achieve financial freedom and independence. Using the above secrets of money management, every person who applies them in his life will surely become very rich.

All people use money, but unfortunately not everyone knows the secrets of money to increase it. Many people use money incorrectly, becoming their hostages and "slaves". They buy unnecessary things, goods, services, choosing not within their means, but more expensive ones. This leads to the prevalence of expenses over income, and as a result, such people slide into uncomfortable life and poverty.

Correct handling of your income, expenses, desires leads to wealth. About the right way with money, it will be below in eight secrets of money management.

1. Save more than 10% of all your income

Each person is required to set aside at least ten percent of all income received. The sooner people start saving, the sooner they will come to wealth.

Important:

1. 1. You need to save from all income: salary, investments, gifts.
   2. You should save at least 10% of your income. If possible, you need to increase the percentage of savings from your income.
   3. Starting your savings with small amounts, in the future it will be easier to set aside from large income.
   4. In no case should you spend your savings created.

Despite the simplicity of the advice, those who have been using this method for more than 10 years are already quite wealthy.

2. Income must exceed expenses

If a person does not keep track of his expenses, then they will very quickly begin to prevail over income. It doesn't matter how much money a person gets.

There are many cases when people receive income of one million US dollars, spend one and a half or even two million US dollars. Thus, these people drive themselves into a loss by receiving loans or installments that they cannot pay in the end.

Than more money, the more difficult it is to control them and the likelihood of the prevalence of expenses over income increases. Always, and control your capital!

3. Get rid of all debts

The sooner everyone is free from debt, the faster the path to wealth will pass. Debts tend to "drive" those who have them into an even bigger "debt hole". That is why all debts should be gotten rid of as soon as possible.

Debts include: loans, loans, mortgages and other debts, for which you have to pay additional accrued interest on the borrowed loan.

4. Become the owner of your own property

Many buy real estate on credit, but not many manage to repay it, especially in Russia and the CIS. Therefore, you should not "rush to all the bad" and take out a mortgage or other loans. The property should be purchased depending on the current opportunity.

For instance: if you want to buy three-room apartment, but there is enough money for a one-room apartment, so you need to take a one-room one. Having become the owner of a one-room apartment, you should collect money for the purchase of a two-room and then a three-room apartment.

If you immediately take a three-room apartment for a mortgage, you should understand:

• • taking a mortgage, you will have to overpay at least twice from real value apartments;
  • for missed mortgage payments, a fine and interest are charged;
  • the cost of holding it will be higher than for a one-room apartment;
  • and most importantly, the apartment belongs to the bank, not you, until the mortgage is paid.

The risks of buying real estate on credit are too high. This is why rich people never buy real estate on credit.

5. Money should work

With a certain amount of money, they should be made to work. After all, money is intended to pay for work and goods / services. If the money works, it will multiply many times faster, bringing additional profit to its owners.

Of course, you can not make money work, but just keep it "under the pillow", but in this way it will slowly increase.

6. Invest in reliable projects with guarantees

Investing is an important way to make money work. But it should be understood that investing is a risky business for the ignorant and people without experience and financial literacy. If a person is financially literate, understands the risks and requires guarantees, his investments will be reliable.

Therefore:

Learn from Everyone, don't imitate anyone!

8. Caring for a comfortable old age

Understanding all the above rules for achieving wealth, you should take care of your future and your old age. If you start taking care of savings for old age at a young age, then in old age there will be no worries about small pensions or high retirement age and other problems of pensioners.

You can take care of a comfortable old age:

1. 1. Endowment life insurance.
   2. Accumulative pension insurance.
   3. Not government pension funds.
   4. Purchase valuable papers and holding them.
   5. Bank deposits.
   6. Purchase of precious metals.
   7. Buying a property.

You should not live "here and now", you need to think about your future and descendants. Having taken care of your future in youth, in old age it will be possible to fulfill all unfulfilled dreams on your savings. Instead of worrying about a meager pension.

Conclusion

Learn to manage your capital, income and expenses right now, as a result, the results will not keep you waiting and will bring a huge fortune. Managing, accounting and planning your money is the hardest and most boring job that few people do. Those who have learned the secrets of personal finance management will surely achieve success and receive enormous wealth.

This concludes our article on the secrets of personal finance management. We wish everyone financial literacy and success!

If you have just embarked on the path of financial independence and are trying to make some attempts at saving and planning, then you are probably quite difficult. Especially if you have to give money for education, mortgage or any other loan and at the same time pay your necessary expenses monthly.

That is why we suggest that you contact foreign experts and find out what they think about the competent management of personal finances and what universal advice they can give to those who are at the very start. If you have never thought about proper personal finance management at all, then reading this article will be doubly useful for you.

1. Explore your own sense of money

Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together, says, "Start by defining your psychological perception of money." What is your first memory of money? What is it associated with? How do you feel about money today? "

In any matter, it is difficult to make progress, being immersed in triggers and mental blocks. Ask yourself bold questions about money and answer them honestly. This is necessary to create an effective personal finance system, protected from any problems.

2. Make money from time

“Taking more time is a simple life hack I always want to convey to people,” said Michelle Schroeder-Gardner, founder of the personal finance website Making Sense of Cents. Many are convinced that they cannot improve their financial situation due to lack of time. But at the same time, they have the opportunity to watch TV or surf the Internet for several hours. By refusing to do so, you will find the simplest source of time that can be converted into money in one way or another. And it's not necessarily about work - financial education is also very useful and beneficial in the long term.

3. Spend less than you earn

Dominica Broadway, founder of Finances Demystified, believes that being a financially successful person is simple math. "Just make sure your income exceeds your expenses." If you can't make more money, look for ways to spend less. Competent personal finance management simply cannot do without this basic rule.

4. Work honestly

Don't act like most working people in the world who sit for weeks waiting for their paycheck, advises Britney Castro, nominee for the Best Money Expert 2018 award.

Think about how you are really useful, how can you improve your work? Communicate your value to the company, colleagues, bosses. Where you work voluntarily, not under duress, negotiations and work issues are easy to resolve.

In general, this is a fundamental principle for managing money and personal resources. Self-surrender in every action is the way up.

5. Control money and follow the strategy

Do not act spontaneously when it comes to savings, debt repayment, investments, etc. Prioritize and plan for developing financial independence.

6. Create an emergency fund and prioritize it

Competent personal finance management is impossible without this. Here's another piece of advice from Lowry: “You need a contingency fund (airbag), regardless of your current debt load. Otherwise, if difficult situation you will have to turn to loans and sink into debt even more. "

Nevertheless, debt payments are still required, even if very little funds can be allocated for them. After building an emergency fund in the amount of 100-150 thousand rubles, you can fully focus on eliminating debts.

7. First, pay off debts with high interest rates

By the way, after paying off such a debt, it is better to start transferring the same interest to a savings account. There will be no difficulties - after all, you coped with when it was necessary to give this money to the bank.

8. Develop a budget

Be sure to plan a budget, especially if you have, again, debts. Calculate how much you can send to savings, and how much to pay off. Ideally, at least 10% should be set aside and the same amount should be given for a loan (although there is a delicate point with your minimum loan payment, keep this in mind).

After getting rid of debt, put in savings all 20% and increase this amount in accordance with the increase in your income in the future.

9. Set up savings accounts with different names

Erin Lowry says one of the most effective savings strategies for various purposes is to create separate accounts with matching names. Be specific about yourself. If you are saving money for a computer, separate it from the rest and name it "New PC". It really helps to save up, keep your goals in front of your eyes and not mix them up under complex numbers or typical names.

10. Be specific

If you want to save 200,000 rubles in two years, this corresponds to 100,000 rubles in one year or 8,400 rubles per month. Agree, this figure is more specific and "close" - you immediately feel whether it will be easy to postpone it this month or you will have to give up something. Carry out such calculations - they help you to correct your strategy in time, abandon unnecessary decisions and, most importantly, ensure stable movement towards the goal.

11. Master programs for planning and financial education

Dominica Broadway admitted that her favorite software tool for planning and managing money is Personal Capital. But this is just one example of many useful and convenient applications. All of them, to varying degrees, help to see the overall picture of the financial situation, income, expenses, and also predict the situation for the near future. And in many cases you don't even have to pay for it.

If you also want to simplify planning and money management, pay attention to the ones we already wrote about separately.

12. Focus on the 50/30/20 rule

50% of income is spent on fixed costs: utilities, car and equipment maintenance, mortgage, etc .;
30% is spent on temporary expenses and pleasure: going to the cinema, gifts, buying clothes, etc .;
20% goes to a reserve fund or savings accounts for vacation, new home, retirement, investment and other purposes.

Having analyzed their financial indicators with this breakdown, you will know in which areas you are spending too much and which areas you are not paying enough attention to. In addition, you can optimize your spending by sending additional money to savings if, for example, it turns out that you only need 45% of your income for fixed expenses.

13. Understand the goals

All financial experts and consultants agree that achievement is impossible without their clear distribution in accordance with the deadline:

Short term. This includes tasks that need to be completed in the current, maximum - next year. Holidays, attending concerts or events, buying gifts or pleasant things for yourself - all these are goals for the near future.

Long term. These are tasks with big plans for the future. For most people, this is money for retirement, paying off a mortgage, or educating children.

This breakdown is another way to clarify priorities and make budget planning easier for yourself.

14. Save more as an entrepreneur

According to Dominica Broadway, for an ordinary hired employee the optimal amount in a savings account is equal to the amount spent in 3-6 months, then an entrepreneur should focus on 6-9 months. This is associated with the additional risks and costs associated with doing business.

15. Automate savings

Now any bank has mobile applications and internet portals where you can set up automatic deduction of a specific amount to your savings account. Let 10-20% of each salary go straight to him. The only habit you'll have to develop is to budget your monthly expenses in the remaining 80%. Rest assured, managing your personal finances is easier than it sounds.

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