abril 21, 2016
Dicas do Zé Aparecido
Some habits are hard to change: drive the same routes, waking up at the same time, frequent the same places, etc. Habits with their money are also common, but we must be careful, because some of them may be leading you down the wrong path if your goal is to get rich, as the "Business Insider" website.
The US site listed nine signs that you may be leaving to make money.
1 - Do you prefer to keep making money
Saving money is important, but to build a heritage you not only need to focus on how you can join, but also on how much you can win.
The millionaire Steve Siebold says it's important to have strategies to save money, but people need to start thinking about how to earn more.
To save money, you have to win first. A common technique among millionaires is that they develop different streams of income and save intelligently.
2- You have not started investing
One of the most effective ways to make money in the long run is through investment, and the sooner you start investing, the better.
"On average, millionaires invest 20% of their annual income," writes Ramit Sethi in his best-seller "I Will Teach You to Be Rich" (I'll Teach You to Be Rich, in free translation).
The more you can apply the better. This does not mean that small amounts are insignificant, quite the contrary, since the money is will value with compound interest.
3- Are you satisfied with a stable and guaranteed wages
Ordinary people prefer to be paid on the basis of working time, through a salary and fixed times, while wealthy people prefer to receive according to their results and are often self-employed.
"Not that the people who work according to the hand of the clock not to strive, but this is the way more time consuming to success. Most know to be autonomous is the fastest way to achieve wealth," says Siebold.
4- You buy things you can not afford
If you usually spend more than you earn, it is unlikely that you get rich. Even if you receive an increase, it is not recommended that this be a justification for an alleged increase in the cost of living.
"I did not buy my first luxury watch or car until my business and investments produce multiple income streams insurance," writes millionaire Grant Cardone. "Be known for his work ethic and not for the things you buy," he adds.
5- You are chasing the dream of others and not your
If you want to succeed, you need to love what you do, or need to be determined and follow what he believes.
Thomas C. Corley, a writer who spent five years studying millionaires, says a common mistake is to follow the dream of others, such as parents, rather than their own.
"When you chase the dream or goal of another person, you tend to be unhappy with the chosen profession and this is reflected in your performance. You just do not have the passion that is needed to attract success," writes the author.
6- You rarely get out of your comfort zone
If you want to build wealth, succeed or do well in life, you have to deal with the uncertainties and possible discomforts.
"A physical, psychological and emotional comfort is one of the main goals of the middle class. But for those who want to be millionaires, we must learn to operate in a state of constant uncertainty," writes Steve Siebold.
7. You do not have goals for your money
The money will not just show up, you need to work to make it happen. If you want to build assets, establish a clear and specific goal, even before putting together a financial plan to achieve that goal.
Rich people tend to commit to achieve wealth, but it is necessary, in addition to goals, focus, courage, knowledge and effort. The main reason people fail to achieve their goals is because they do not know what they want. Rich people are totally decided: what they want is wealth.
8. You spend first and keeps only what is left
If you want to get rich, you need to save before you start spending. "What many people do when they get some money is to pay all bills before: rent, credit card, phone, government, etc.," says Millionaire David Bach.
According to Bach, better to spend and then save the "rest" is to save first. He advises that one book at least 10% of their wage income and available the automatic deposit, since this way, it will never see the money and learn to live without it.
9. Do you believe that getting rich is out of bounds
"Ordinary people believe that getting rich is a privilege granted only for lucky people," writes Siebold. "The truth is that in the capitalist world, you have every right to be rich if you are willing to create great value for others."
The millionaire suggested that one ask: "Why not me?" and then start thinking big. Rich people create high goals. Why not $ 1 million?