So, write down the most important thing. If you want to change your life by changing your thoughts first. If you desire to live richly and freely begin to vaccinate yourself thinking that you do so. The rules, which I am now going to give you, and will be key to your success.
Firstly, everything depends on us. Only you can make yourself the way you want to be. God gave you the potter's wheel and clay, and a pitcher you have to mold itself. Second, in every situation there is a choice: even when there is no choice of action, there is a choice of how to treat this.
Third, if you really want something, all the forces of the world will contribute to you in this. Difficulties can you check the time - to erase the desire, but if you really strive for your goal, then the whole world will be at your side.
All has been said so emotionally that people sitting at the next table, stopped eating and stared at my companion.
- Is that all? - I almost asked indignantly.
- Everything! - He said.
Only many years later I realized that it's really all you need to know in order to achieve anything in life. But then, I longed for action and did not attach importance to hear more.
Mentor meanwhile continued:
Today we'll talk about money for a few years, you stop to think about them, because you do not reflect constantly on his tie? This is because you have it. So, the money should be in large quantities. Before we get to our financial plan, I want to ask you: how much money is held for the life of a man with an average income?
This question has puzzled me, but he paid no attention to my stupefied look and continued:
It is interesting that even in Russia - about $ 100 000 to a million. This is a great state. Potentially we - millionaires, but in fact the rich - less than one percent. This is because we do not know the value of small. What prevents us to multiply it many? The most common mistake - an opinion that investments are available only to those who have a large start-up capital. Assume that everyone has the opportunity to save a dollar a day. For many years it was considered that the investment of just one dollar a day by 20% per annum for 32 years lead us to a state of a million dollars.
At this point, I almost fell off his chair, shouted:
- A million! And just one dollar a day?
Right someone choked.
- Yes, yes, a million - smiling, he continued - and if you invest for 67 years at the same percentage as the state will be a billion dollars!
Of course, the prospect of becoming rich at the end of life is not very happy with me, but the fact that in life you can make a fortune in a billion, changed my view about money.
- From what you can give up today to get all of what you dream, tomorrow? - I asked the instructor.
- Most likely, neither of which I can not give up - I'm so much does not allow - I replied.
- Well, let's see. Do you smoke, likely at least a pack, or even two a day? Your cigarettes worth more than a dollar. Could you give up this bad habit?
- For the sake of a million?
- Yes, and for the sake of health , too.
- Easy, - I said, crumpling a pack of cigarettes in his hand.
The teacher continued:
How often do you spend money on things that do not use then? Or those habits, from which you can easily give up? Think about it - in your hands will be sufficient cash resources.
Later, after analyzing their spending, I realized that about 30% of my monthly income is wasted. Potentially, anyone can save a life sufficient funds to provide several generations of his descendants. But in fact, people are spending money every day without giving it any importance. Ignorance is worse than theft. Today, they rob themselves, tomorrow will be to blame others.
Look at Table 1, where I present various calculations of how much capital can be obtained by properly investing their money.
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| Table 1. Calculation of investments and income |
* If the interest rate of 20% per year.
The first lesson - saves!
1. submit monthly financial plan - three months it will go at you in the habit.
2. Pay yourself first. The first article in your financial plan - invest at least 20% of the income.
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