Мой личный склад идей

The most important rule of financial literacy: pay yourself first Imagine that money is coming into your account — whether it's your salary or some other income. Most people perceive these funds as their own, but is that really the case? If you are paying for a mortgage or rent — these funds essentially belong to the bank or the landlord, and you are only temporarily managing them. The same happens when you go to the store for groceries, buy a phone, or a cup of coffee in the morning — you are just passing the money along. It is this misunderstanding that leads to the fact that no matter how much a person earns, they spend everything they have, and they constantly feel short of money. At this point, many start keeping an expense diary — a useful but insufficient measure. Because if the initial behavioral model assumes no separation between "your" money and the money you are just passing through to others, savings will not appear. The principle of "Pay yourself first" suggests that from each incoming amount of money, you immediately set aside a certain percentage — for yourself. So, it turns out that you pay yourself first. This way, you start building capital, which, even with a conservative approach, can already generate income — and your money begins to work for you. What makes a person wealthy? Income level? No. A wealthy person is someone whose income exceeds their expenses. This may seem like a simple idea, but in practice, it requires a change in mindset and deserves a separate article. Following the principle of "Pay yourself first" and rethinking your attitude towards money are the keys to financial freedom. This can bring you closer to wealth and help break out of the endless cycle of expenses — the so-called rat race.