savings at this point, as in all of our lives, rather than specific formulas, We make our own way, yes, based on experiences of others, to know in advance the rights and wrongs of their decisions.
The starting point, as in other aspects of relevance, significance and impact on our lives is where we stand, where we want to be and when we want to be there, and of course, make a plan to cover the space between one point to another. Now, this saving, there is something very important, the savings also apply in the financial aspect of our pockets, it also applies in all areas of our lives. At this point we have very clear that the concept of savings goes beyond the difference between what we earn and what we spend. I'm talking about saving is to manage resources, and when applied in other areas of our lives we think that these resources have to do with our personal skills, especially time and energy, and that both issues have a finite, limited and no more than what is (in the aspect of time, since there are 24 hours in the day, period. In terms of energy also we have a number available in our bodies, coming from our health habits, diet, exercise, fun, etc.) and then it is better to decide, at least keep in mind the ideas broadly, we want to invest the personal resources and economic. Now I can say that the best place to invest in activities or situations that lead you in the medium and long term to have a stable, emotionally and financially, that allow you to be fully at every stage of your life ok?
Back to the subject of savings, so now I share some ideas from the book "The Richest Man in Babylon" by George S. Clason, and you can get freely internet (network blessed!).
1. Part of what you earn is yours - Save time 10% of your income. In other words, for every $ 100 you earn, save $ 10. Which means you have right and obligation to repay a portion of your salary to the long term in your mind.
2. Track your expenses - Ask yourself if all your expenses are absolutely necessary. Have you noticed how when your income goes up, your expenses too?
3. Make thy gold multiply - Invest. With each investment you make, you get a return. Invest your returns.
4. Protect your treasure -Invest with caution. Carefully selected investment opportunities that want to exploit. It's about taking calculated risks, not about taking risks just because, or not taking any chances.
5. Make your home a profitable investment - Some 90% of your income that you use for live use to your home. Make a profitable investment in housing do not necessarily mean buying a house. This depends on your situation, your ability to pay and other factors so you can find that in certain circunstacnias be better to rent a place to live than buy it. On the other hand, this idea also applies to a paradigm of our society, "Young man, if you want to get ahead, study a career." Asked "a career is guaranteed a great salary? Did a job for life? Does inevitably reach the long-term personal goals? Do not worry, I'm not inviting young people not to consider a career. What I am trying, in the best spirit, is to visualize themselves in a more advanced age, and realize that if you study a certain career, or profession, will actually achieve their dreams. Of course, knowing what your dreams, you will choose the ways and tools (knowledge and skills) that lead you in that direction.
6. Ensures future income - Think about your retirement. Think of the time you work by choice, not obligation. It is important to have a revenue stream for that time. Think about life insurance, long-term investments, etc.
7. Increase your earning capacity - Educate. Develop your skills. Look for opportunities to obtain various sources of income. This means, for those who have stable jobs, not rest on their laurels and be proactive. The lifetime employment, long ago ceased de existir. Para quienes son independientes, agrega líneas nuevas a lo que ya haces. Finalmente, los trabajos independientes requieren que apliquemos esfuerzo físico y mental, así que podemos aplicar las experiencias y enseñanzas de las grandes personalidades, y las grandes empresas, a nuestro favor.
Bien, por último, te invito a que cuides de tu mejor recurso, o sea tú mismo, y tengas presente que el virus de la influenza continua presente. Cuídate, y cuida a los demás, como ya sabes y como estuviste haciendo unas pocas semanas. En esto de la salud, es mejor pecar de precavido que de omisión.
¡Digo, de todas maneras podemos ser productivos y divertirnos !
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