Lack of money at the end of the month is a problem familiar to many of us. Often we can’t even understand what the salary was for, because nothing special was bought. And to postpone some of the earnings under such conditions is very difficult. I couldn’t save up money to get what I had long dreamed of, until I started working on myself. On the advice of a friend, I got rid of bad habits that prevented me from reaching my goal.
Constant complaints of lack of money
It would seem that this habit has nothing to do with our financial situation and does not affect it. But sometimes we spend so much time complaining that it negatively affects our productivity, hindering the achievement of goals.
In focusing on our problems, we are missing precious time that we could use to solve financial problems and find an additional source of income. Our energy is spent on experiencing negative emotions, instead of being used for good.
Stressed Shopping
Each person has his own problems, which sometimes need to be solved with the help of professionals. Instead of contacting a specialist, we prefer to look for a “personal psychologist” in the form of a credit card. Thoughtless purchases under the influence of emotions improve mood, give positive emotions and empty the wallet. At the same time, we do not need many of the acquired things at all, it turns out that we are throwing money away.
If there are more dangerous methods of treating stress through saving money - slot machines, casinos, bars. However, the pleasure of the process is temporary, and the money spent cannot be returned.
Carefree existence
Life is not always predictable and measured. Unforeseen events occur, problems arise that can only be solved with the help of money. This can be a serious illness, an unexpected dismissal, the study of children. In order not to have to take a loan, it is necessary to take into account the possibility of unplanned expenses and have savings in this case.
Investing on the example of acquaintances and friends
Perhaps your neighbor succeeded in business, a friend invested in construction, and a relative succeeded in the stock market. But this does not mean that the same success awaits you in these areas. To invest following the example of others is a sure way to lose accumulated savings. You do not know the circumstances and efforts that these people had to make, so the chances of success are slim.
Impact Spent
Sometimes we make purchases under the influence of impulse. It is good if, for example, a new dress, delicious food, a book. But it could be a computer, a video camera, a car, which we liked so much that we decided to buy right away. However, before giving away such an amount of money, you need to think carefully. Not always attractive appearance indicates good quality.
Perhaps the computer has poor performance, the camera makes video of not very high quality, and the maintenance of such a car will be very expensive. Therefore, you should evaluate all the pros and cons and not rush to expenses.