Money is not just pieces of paper or numbers. They are directly related to our feelings and quality of life, affect self-esteem and inspiration. The saying about a hungry artist is a lie. A true creator creates masterpieces not because he is hungry, but in spite of hunger. But no one else has been inspired by hunger and the threat of hunger to create something truly beautiful. When there is no money or not enough money, then an ordinary person turns on panic, powerlessness, feeling bad, unworthy, unappreciated. All the acute grievances accumulated over life are activated - from someone to their parents, someone to the world as a whole, someone to society, and so on. The person is deprived of a basic sense of security, he is under stress. In this state, you must admit, it is very difficult to make informed decisions, think freely and creatively. There are three rules for dealing with personal money,which help to avoid powerlessness and greatly facilitate life.
At a certain stage of life, limited resources can play a good role - they can become an incentive for drastic and decisive changes, force them to embark on the path of looking for something new, give an impetus for personal growth, learning new skills. But here it will be influenced not so much by the limited resources as by the character warehouse. One without money will fall into depression and completely disappear, the other will turn on the survival mode, change jobs or even move to a new city or even a country. However, these are all major life crises. They are useful about once every five to seven years, but not every day. And these rules will also help in overcoming crises.
1. The rule of financial cushion. In order to have a sense of basic security, which helps to grow and develop, and make more informed decisions, a person must have a so-called "financial cushion" - money in the account in case of emergency change of work, relocation, unexpected expenses. A sense of security is triggered when this amount is equal to or more than three monthly earnings of a person. Therefore, when you are just starting to make money, the first thing you need to focus on is creating a financial cushion for yourself.
2. The rule of the piggy bank. No matter how much your income is, 10% of it must be put into a piggy bank. These are savings that can be spent on something big and important to improve the quality of life. There is no need to look at a figure and compare it with others. It is important for a person to do something regular and consistent. The habit of saving is about stability and sustainability. Suppose you save only 500 rubles a month, but regularity is important here. No need to calculate how much it will be in a year and what you can buy. Because these predictions will not come true in a good way. You need to focus on the percentage. Usually, having a sense of stability and stability, a person begins to earn more. So, in theory, the amount should gradually increase.
3. The rule of fertilizing money. It is also important for a person to spend 5-10% of his income per month on charity. To allocate this amount and give it to some kind of good deed - to a beggar, to a church, to a charitable foundation for sick children, or just a friend of yours who is badly financed. The psychological meaning of this action is that money as such becomes good in perception, necessary not only for one's own life, but also bringing good and benefit. Regularity is also important here.