“To be or not to be?” – a rhetorical question that tormented Hamlet. “To be rich or not to be rich?” – the question is more modern and relevant. The answer to this question depends on the answer to the question – “To count or not to count money?”
In the CIS countries, they do not teach how to count money anywhere. Moreover, neither in kindergartens, nor in schools, nor in higher educational institutions, there are no classes on teaching financial literacy. The curriculum is structured in such a way that children are stuffed with anything they want, but they are not taught the most important things. Such important knowledge about how to become a rich person, what are the laws of money, how to become financially independent – remain hidden from children. As a result, the state system brings up young people who are not ready for independent life. Young people have one way – to a factory or to a factory as a hired worker. At best, a teenager goes to college. But even there he does not receive the above knowledge. And even if he was lucky, and the child entered the Faculty of Economics, then at best he will be taught to manage the finances of enterprises, but not personal finances.
This is probably why many people do not understand why counting money. Those who do not have them – there is nothing to count, and those who have a lot of money – and so it is clear that there is a lot of them.
But this is where the most important secret of saving money lies. Everyone is familiar with the popular proverb – “Money loves counting”. But not many people understand its meaning. And it is that money is loved when it is counted and counted. This creates an energy flow that attracts new money. Therefore, the one who counts money regularly becomes a rich person.
Consequently, the person who has no money will never count it. As a rule, such people spend all their earned money very quickly. Very often such people do not have a wallet, or if they have one, they never know how much money is in it.
If a person considers himself rich and does not want to count his own money, this is the first signal to him that he will soon run out of money. At the same time, this person will not even guess that he is on the edge of the abyss.
But rich people always have a nice wallet with them. The owner knows the contents of the wallet up to the ruble. Wealthy people always keep track of their income and expenses, doing personal bookkeeping.
How to learn it
It is very easy to learn how to keep track of your money. It is much more difficult to make this process regular and develop this habit in yourself.
To maintain a personal ledger of expenses and income, you can use:
– An ordinary school notebook in the box, which has columns “Date”, “Income”, “Expense” and “Notes”;
– Excel program, adding the same sections;
– Computer programs for keeping records of personal finances, which can be found on the Internet;
– Special online resources that do not require downloading, but help in keeping records of personal finances.
Each of these tools has its own pros and cons. But it is much more convenient to keep your personal accounting in a familiar notebook: it is always at hand and even a child can keep it.
And now about the main thing. Record any cash income or expenses in your Book of Finance every day. Keep all receipts from shops and receipts from banks and ATMs, before entering them into the Book. Don’t miss anything – deposit all cash receipts: salary, bonuses, bonuses, debts paid back, etc. Also be careful about costs. Write down to the penny in the book: money you spend on food, utilities, travel expenses, including gas or public transport costs, entertainment, etc.