Contents
Hello, dear readers of the site! The psychology of money is a branch of psychology that studies the influence of various monetary factors on a person’s life.
For example, how he builds relationships with others, how he decides whether he is ready to part with what he has earned. And in general, how it relates directly to the money itself. After all, some perceive wealth as a vice, while someone is ready to sacrifice relatives for the sake of enrichment.
And today we will consider what are the basic rules, thanks to which the opportunity to get rich will become quite real for everyone who adheres to them. So let’s get started?
Evidence
How do you know if something is wrong with your money? Familiarize yourself with the signs below, and if you find at least one of them, then think about what exactly causes difficulties and prevents you from achieving financial well-being.
- When receiving a salary or other type of income, there is an irresistible desire to immediately spend at least a part, in especially difficult situations, and completely “lower” everything;
- There is shame every time you get paid. It seems that he did not deserve such a sum. That it is generally inconvenient to take money from people, showing their mercenary interest, and not just a desire to do a good deed;
- A person underestimates the cost of their services. Also, out of feelings of embarrassment and shame, to take for work as much as one really deserves;
- Great excitement every time a large sum appears;
- Buying low-quality and cheap things in order to save money. But in fact, they fail too early, and you have to go to the store again. This way of saving «hits» the wallet, unlike expectations;
- The irresistible desire to acquire something pushes for completely unnecessary spending. For example, those who registered on AliExpress often themselves admit that when they pick up an order at the post office, they puzzle over why they needed it at all. And in general, they do not understand what feelings, thoughts they were guided by when designing it;
- The habit of lending to those who are not credible or have failed before, violating deadlines. This way of ignoring one’s own boundaries, sacrificing one’s needs just leads to the fact that a responsive person simply loses a certain amount along with nerves. After all, experiences due to the need to insist on repaying the debt are quite unpleasant and tangible for the body;
- An unexpected deterioration in health before important meetings, work, and so on. Subconsciously, a person does everything to disrupt the project, to be fired or not chosen for a more promising position. It is as if he puts a block on his income, not really understanding why he is so unlucky in this life.
Attitude towards money
Experts consider 6 main levels of relations with finance. Let’s determine which of them can be attributed to you?
Carelessness
Individuals of this level are not able to earn, save, make reasonable investments and, in general, navigate prices. They sometimes resemble irresponsible children who do not understand what kind of tool this is and what it is really needed for.
Here they received a salary, and immediately lowered for joy. They say about such people that their money scatters left and right.
Most often, they manage to be close to those who know how to manage finances and think through their every step. We are talking about gigolos and kept women, sometimes individuals without a fixed place of residence and the so-called «blondes» fall into this category.
To become a little more serious, only a difficult life situation will help to change, then the person seems to “sober up” and begins to appreciate the means by which one can cope with it.
Fetish
In this case, money is the meaning of human life. He is ready to go to great lengths for them, and, to put it mildly, dislikes those who have good capital. Especially if they do not have to make sacrifices, and wealth seems to be organized by itself, without any effort.
Considering that papers are in fact more valuable than loved ones and loved ones, such a person marries, divorces and does everything for the sake of enrichment.
Why is it quite lonely and yet unsatisfied. After all, as you know, the feeling of happiness, fullness and other emotions cannot be bought, they arise as a reaction to various events.
bonus
Successful people are at this level. They work with pleasure, and receive in return, so to speak, bonuses.
Most often these are entrepreneurs striving for development and well-being. They have a wealth of ideas, opportunities, and social connections that make it so easy to climb the corporate ladder.
They have no prejudices and negative attitudes regarding finances. On the contrary, money is a way to provide yourself with comfort, a high quality of life. With such an attitude, it is not surprising that they so quickly fall into their hands.
Tool
Representatives of this level strive to realize their ideas, and without capital it is not so easy. Accordingly, they consider papers so valuable to many only as a tool through which they can achieve success and recognition.
Income is usually quite unstable. Today the pockets are empty, and the next day something happens and there are already millions in the account.
They are practical and love to invest in business, believing that it is successful investments that will help to gain not only stability, but also the desired wealth.
Creation
Personalities with a creative approach usually do not live in poverty, but they do not strive to earn a lot. More precisely, financial well-being for them is not in the first place in the list of life priorities.
They simply create, and money is a pleasant side effect of their efforts. This category includes artists, poets, writers and inventors.
Empty place
Yes, there are people who absolutely do not care if their wallets are full or not. They live at the expense of alms, as they say, how much God sends, and that’s what they are happy about. Or they do not work for a regular salary, but provide services in exchange for food, shelter, and so on.
Difficulties endure steadfastly, ascetic by nature and value, above all, other people, nature, in general, anything but material.
Rules
Separating needs from wants
Inconspicuous spending sometimes “eats up” a huge chunk of the budget. And all because the desires of a person are endless, especially if you buy something on the little things.
Needs, on the other hand, are finite. And it is necessary to provide them in the first place. Since ignoring them can lead to a deterioration in the quality of life and health.
Naturally and completely depriving yourself of pleasure is not worth it, because dissatisfaction also does not bode well.
Set aside money for the necessary needs, not forgetting about some share for entertainment and «Wishlist».
No matter what income a person has, if he is used to spending more than he has, he will always be in debt. That is why it is so important to properly allocate your finances.
Goal setting
Be sure to set goals. Just refrain from using the «not» particle. Since it is not perceived subconsciously, accordingly, wanting to avoid something, we, on the contrary, attract it.
For example, instead of the phrase “I don’t want to be bankrupt,” reformulate it better like this — “I want to be financially stable.”
Then write down what exactly will give you the implementation of each goal. Let’s say you buy an apartment and become free. Imagine in detail the interior, what color the walls will be, what paintings will hang, if any, and so on.
Such accurate visualization will give energy to achieve a dream, make it a real image that is quite possible to realize. And no one canceled requests to the Universe. You will learn how to form them correctly from this article.
Search for barriers
As already mentioned, a person may experience limitations in making a profit, depreciating his work, not claiming a higher salary. Sometimes it happens that the barrier arises directly as a reaction to hoarding.
He just lives paycheck to paycheck, not saving for valuable needs. Then, if a force majeure situation arises, for example, a dismissal or an illness that requires expensive drugs, then he will be vulnerable.
Indeed, in this case, you will have to borrow, and subsequently repay the debt, which is quite difficult if the person does not know how to save.
And it happens that a barrier is found in spending. This is when a person works hard, moreover, but does not allow himself new clothes and so on. And, despite a good income, lives in poverty.
So, how to become rich if one of the types of restrictions is present? It is difficult, because the energy of money does not circulate, but gets stuck somewhere. Therefore, try to analyze at what stage you have difficulties.
What are you unable to do? Perhaps it’s time to abandon the financial model you adopted from your family? If grandfathers, great-grandfathers, mothers and fathers did not live or do not live the way you would like, then it’s time to start forming your own scenario.
separate path
So, in order to move somewhere, you first need to understand where we are, right? Therefore, before starting to form a new, separate scenario, which was mentioned above, it is important to determine what we will start from.
So answer your questions about how your ancestors and relatives treated money? What ways of interacting with them did they choose? How did they live in general and what sayings about finances did they use? What major losses or acquisitions did they have and how did they behave at such moments?
It would be better if you write down all your thoughts on paper, for clarity. After carrying out such painstaking work, you will now be able to understand what you want to take from the experience of your ancestors, and what, on the contrary, to leave so as not to repeat the mistakes.
Only in this way, by comparing and complementing what you like, you will create something separate and unique. It does not hurt to study the formation of famous people. Which may well serve as an example for you. And from whom you can learn to realize your dreams.
Cost control
Divide a sheet of paper into 4 columns and in each of them indicate the expenses:
- To myself;
- On close people and just those around;
- For needs that you can’t do without;
- For optional things and services.
Then analyze how exactly your expenses are distributed. Why, for example, do most of them go to others? By limiting yourself to joys, you will naturally not be motivated to earn more. Or you pay only bills for a communal apartment, without giving a penny to rest.
Recommendations
- Think back to your first experience with money. What did you feel? What were they spent on? For example, shame, guilt, joy, pleasure, or even embarrassment, confusion? Sometimes adults unconsciously program their children for poverty, shaming them for rash spending and arguing that it is necessary to deny yourself everything, because hard times are coming and the like.
- How to attract money if you can’t spend it wisely by reducing unforeseen purchases? Here you will need willpower and a list that includes at least 10 regular expenses that you can completely refuse. Let’s say that the quality of life will not deteriorate much if you stop spending money on glossy magazines and coffee in restaurants, but this will save about 10% of your budget.
- Be sure to keep home bookkeeping, so you will keep track of your expenses and income.
- Measure the cost of some thing or service in minutes. Let’s say the twenty-fifth sneaker does not cost $200, but about 9 days of active work. In this case, you will think about whether it is worth taking them or not. This method works, even if you do not have squandering, but, on the contrary, excessive scrupulousness. You do not allow yourself a bouquet of flowers, although in fact, it costs only 10 minutes of your working time.
- Pay your bills on time and never take out a loan. Wealth is difficult to achieve, falling into a debt hole. Therefore, resist the temptation to purchase something at someone else’s expense. Set a goal and stick to it.
- If your income has increased, try to transfer the “excess” profit to a bank account instead of simultaneously increasing expenses. So gradually you will accumulate a significant amount, which can be used to good use.
Completion
Finally, we want to recommend an article on how to organize passive income for yourself in order to receive daily profit and be able to pay for various needs, or save for more significant purposes.
Indeed, in this case, there is no need for constant active involvement in the processes, they occur by themselves and require minimal attention.
Also read Robert Kiyosaki’s Rich Dad Poor Dad. It is written in simple language, without the use of terminology, so it will be not only interesting, but also quite accessible to the understanding of absolutely any person who does not have problems with intelligence.
It is not for nothing that the author is called the «educator of millionaires», he helped to improve their relationship with the energy of money, as well as change negative attitudes to positive ones for a considerable number of people who are interested in improving the quality of life and financial situation.
Take care of yourself and be happy, and, of course, rich! So that your goals and desires come true, helping to achieve a sense of harmony and balance!
The material was prepared by Zhuravina Alina