In the largest country in the world – Russia – many people live every month from paycheck to paycheck, or even worse, they hardly make ends meet. And these are not only unemployed or people on various benefits, but also those whose annual income is from 500 thousand to 1 million rubles..
Various surveys have shown that the average Russian family spends more than 30,000 rubles a month on food alone. In addition, there are expenses for housing, transportation, insurance, entertainment, childcare, healthcare and more. If tax deductions are also subtracted from the original amount, then there will be no money left for savings or investment.
However, the source of monetary difficulties is often not a small amount of funds, but bad financial habits.
Below we talk about 8 reasons that answer the question “Why is there no money?”
1. Life with parents
Most Russians live a short distance from their parents. But if you want to “make real money,” then you should move away from your mother, acquaintances, and other “close” things. It is time to leave the comfort zone in order to use the opportunities for growth and development. Life with parents does not save money and does not teach the economy, but only leads to the loss of many opportunities. The life of most people changes significantly (and, as a rule, for the better), even if they leave the parental wing at the age of 29-30.
2. Economic illiteracy
Most people are illiterate in economic matters. They receive information on basic economic conditions and principles in educational institutions, but do not know how to manage them. The economy is, first of all, household and resource management (always limited). And management is responsibility and successful survival even when problems arise. Managing a personal economy means obtaining, maintaining, and increasing resources (money). Financial literature can help fill this gap in full.
3. Budget thinking
Spending all the time on saving money is the best way to guarantee their absence. Perhaps your parents said that “a penny saves the ruble,” on the one hand it’s true, but on the other hand, the question “Why is there no money?” still remained open. This is just a penny and just a ruble. There is more money when they earn and invest. Budget thinking is a game of defense, not attack.
4. Politicians and Santa Claus
The idea that politicians (or Santa Claus) can save the middle class or unprotected social groups is popular in many countries, but this is a fallacy. They should have done this, but practice shows that this does not work. Even in the United States, the active efforts of the last half century to save the middle class have failed – almost all economic indicators have deteriorated. If politicians (or Santa Claus) could save us, they would already have done it. Therefore, in the matter of your financial well-being, you should rely only on yourself and your mind.
5. Financial apathy
Many people became indifferent to their finances and stopped paying attention to them. And yes, if you do not pay attention to money, you do not have it. It is important to analyze your position and recognize it, whatever it may be. Because problems, if you pretend that they do not exist, do not disappear. You should discuss and inspect money in order to maintain control even of the worst situation. Otherwise, there simply will be no chance to get out of it..
6. Problems with ambition
Unwillingness to do work that no one wants to do is another problem that many people have no money for. The problem of rights and ambitions is not only characteristic of lower economic levels – people from even highly paid sectors experience it. Everyone wants to be general and executive directors, line managers, managers, etc. But the company must have someone who makes sales.
7. Comparison of financial position
The idea that your position is better than someone else provokes personal financial stagnation. Thinking that someone is starving and you are doing pretty well, you are cutting off development opportunities. Anyone who is only trying to justify their financial situation due to the worse situation of other people makes themselves worse. This is financial suicide.
8. Reluctance to work
In fact, wealthy people work a lot, and most other people are unhappy with the schedule 5 to 9. If you do not work and do not think about how to move forward, during and after work, then, in fact, you do not move forward. There are no financially successful people who would go about their business from time to time..
If your financial situation is poor, you need to be aware of this, to confront yourself with the fact. The first step to redoing and rectifying the situation is to acknowledge the problem. The second step is to refuse to blame others for affecting your life. Stop being addicted to other people. Dissatisfaction with one’s position is another direct way to improve it. And, of course, start working on acquisitions, not savings. No matter what kind of work you do, it helps to get rid of debts, deal with responsibility and build the foundation for financial order..
Money is not the most important thing in life. They do not make happy. But, despite this, money is needed to take care of yourself, your loved ones and create such living conditions that allow you to call yourself a happy person without the slightest thought..
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