Historically, many of us have internal subconscious attitudes that were transmitted to us from our parents or came through experience. But for a good experience of getting real money, go to a live casino.
Such attitudes, for the most part, tell us that money is evil, and that big money is obtained dishonestly. Today I will tell you about several financial life hacks that have positively changed my thinking.
Unlock Your Potential
Your life system is capable of working both for harm and for good.
Using negative financial attitudes, you set yourself up for failure in advance. Consequently, we unconsciously program ourselves for difficulties, not allowing money to come into our lives. But for those people who do the opposite, it is much easier to earn money.
Everyone understands perfectly well that money will not appear in your wallet at the click of your fingers.
To attract cash flows, it is necessary to work on yourself, develop thinking, and replace negative attitudes with positive ones. Luck is a serious life concept and daily work, but there are also exceptions to the rules. As we set ourselves up, so it will be.
Credit Cards Require Accuracy
Credit card holders should remember an important rule: the funds on the card are not yours, and sooner or later they will need to be returned. Therefore, use money from credit cards only if necessary, otherwise, there is a high probability of getting into debt and paying them in a circle for many years.
Birthday Only Once a Year?
When filling out questionnaires for receiving discount cards from various stores, specify a different date of birth. Most manufacturers offer individual discounts or give bonuses and birthday gifts to their club cardholders. So, on your real birthday, you will receive enough gifts from friends and acquaintances, and there is usually no time to spend gift points during this period. But getting nice bonuses evenly throughout the year is not only economical but also pleasant.
Planning Is the Key to Success!
The ability to plan your expenses competently is perhaps the most important life hack of the above. Train yourself to distribute the money earned and prioritize spending. Usually, spending on gasoline or public transport and paying bills should come first. After that, as a rule, the priority is food for a month and various household expenses. Then — communication services (Internet, telephone), then — the necessary clothes, and only what remains of the budget after the implementation of these expenses can be used for all sorts of “wishlists”. Various online budget planners will help you develop the skill of planning as quickly as possible.
Auto Piggy Bank
A convenient way to save money for the forgetful is to enable the auto—savings option in your bank. The money will be automatically sent from the main account to the savings account. You can configure it as you wish: for example, 10% of each receipt or a certain amount once a month.
It is important not only to find an opportunity to save money but also to store it correctly. If there is a temptation to spend savings, it is better to hide them in an inaccessible place. For example:
- Send a deposit without the possibility of early withdrawal. Of course, you can close the deposit and receive money at any time, but you will often have to leave the interest in the bank.
- Exchange for another currency. Instead of dollars and euros, you can choose, for example, the yuan or the Hong Kong dollar.
- Give it for safekeeping to a reliable person: a close relative or spouse.
We hope that this article was useful to you and that with the help of these tips, you will be able to properly distribute your finances.
Learn and read more about finance. Financial literacy is the key to success.