To pytanie zadaję sobie wiele osób, każdy próbuje na nie odpowiedzieć a niewiele osób potrafi skutecznie to zrobić. Jak zatem odbić się od dna? Czy istnieje jakaś skuteczna metoda, złoty środek, złote słowa, które sprawią, że twój los się odmieni? Czym jest dno?
Wydawaj mniej niż zarabiasz
Dno to wtedy kiedy Twoje finanse kończą się na zerze. Jeśli jesteś w długach jest tylko gorzej wtedy już się topisz.
Gdy mówimy o dnie często chodzi o dno ekonomiczne, choć też istnieje dno emocjonalne, jednak teraz bardziej skupię się na finansach. Gdy mówimy o pieniądzach to należy słowo ekonomia wbić sobie mocno do głowy.
Łatwo powiedzieć, trudniej zrobić
Dochód
Pierwszą zagadnieniem, nad którym się skupimy jest dochód, bez niego nie wyjdziesz z dołka finansowego. Najlepiej jeśli jest to dochód stały, a nie wyrywkowe zastrzyki pieniężne.
Znajdz pracę, jeśli już ją masz to świetnie. Wiadomo czym wyższe wynagrodzenie tym lepiej. W tym artykule nie będę się skupiał na tym jak znaleść pracę, poświecę temu inny wpis.
Dodatkowy dochód
Poza dochodem z pracy postaraj się o dodatkowy dochód. Tutaj przedstawię małą listę, która może ci pomóc. Pamiętaj też, że zwiększasz swój dochód pomniejszając swoje wydatki.
- udzielaj prywatnych lekcji
- sprzedaj wszystkie przedmioty, których nie używasz
- znajdz dodatkową pracę
- sprzedaj swoje umiejętności
Wydatki
Aby skutecznie zwiększyć dochód musisz ograniczyć swoje wydatki do minimum. Oto lista która może Ci pomóc. Spróbuj zastosować się do niej przez okrągły rok, a napewno Twój portfel na tym skorzysta.
- zrezygnuj z kupowania ubrań
- zrezygnuj z abonamentu na rzecz zwykłego doładowania
- ogranicz liczbę rozmów telefonicznych do minimum
- ogranicz liczbę zużywanych mediów (prąd, gaz, woda itp)
- zrezygnuj z wszelkich płatnych zajęć: lekcje, kursy, kluby
- zrezygnuj z wszelkich stałych abonamentów – opłat (np. dodatkowe miejsce na icloud, karta multisport itd.)
- nie kupuj żadnych przedmiotów których nie konsumujesz
- przestań chodzić do fryzjera
- rozstań się z nałogiem
- kupuj tańsze zamienniki przedmiotów, które dalej posiadają ich użyteczność
- chodz na nogach lub zacznij jeździć na rowerze
- nie marnuj pożywienia
- pij zwykła wodę
Jedni wychodzą z domu zarobić, pieniądze inni je wydać.
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