As the saying goes: "Happiness is not in money, but in their quantity." After all, poverty deprives not only the opportunity to buy the most necessary things, but also to take care of the most important thing - health.
The problem of a beggarly existence may lie in your worldview. Negative experiences from childhood sometimes prevent you from starting a full life. Uncertainty in one's own abilities, accumulated resentment and humiliation are not so easy to pull out of one's head. Our habits play a decisive role in material well-being.
Here are some good habits to help you get out of poverty and debt:
Stories of people who got out of poverty:
Stories of ordinary people who got out of poverty:
If you grew up in a low-income family, then you immediately inherit several habits that will be very difficult for you to get rid of. Even if you improve your financial situation, these habits will bring you unnecessary stress, nerves, and will even “steal” your money. If you have not yet achieved prosperity, but are working hard in this direction, then you should also think about how to get rid of thinking. Because it is rather thinking that determines our material condition, and not vice versa, and by learning to think differently, we will form a favorable atmosphere for success.
« Until recently, I was very poor. For the first 18 years of my life I was a child and just couldn't do anything about it, the next 17 years I was still a child and didn't want to do anything about it. I do not complain and do not want to blame anyone, I chose my own path.
But some amazing things happened, one of which was getting a great job, and one day I found myself living the kind of life I thought a “normal” person should live. My bills were paid, the refrigerator was full of food, and in the courtyard there were two gilded statues of me naked.
But like anyone who has lived in poverty, I can tell you it changes a person. And these habits stay with you even when you no longer need to fight for a place in the sun.
You buy food based on two principles:
1. How long does it keep
2. How cheap is it?
So you can only buy bad food. To save time and money you go to the store once a month or a week.
Vegetables are taken frozen, as they can be thrown into the freezer and not worry about their safety. Fruit in syrup is much cheaper than fresh fruit. Children do not know the taste of real food because they eat canned food too often.
In fact, half of all this food can be burned without regret.
We have already said that children raised on canned food will not be able to understand the taste of real food. She will look wrong. This is a completely different bean, a different milk, and a completely different cheese. This list can be continued indefinitely.
Some people like to point at overweight poor citizens and exclaim: “Ha! It doesn't look like they're starving!" And they are unaware that it is low-quality food that provokes problems with being overweight.
If once you have the money, you can afford to regularly buy fresh food and even have time to cook it, your taste buds will simply not accept this food. She'll have to get used to it.
At first, you will look at, say, asparagus in bewilderment: what is it? Is it to cook? Can it be eaten at all? Or is it for outdoor use?
There is a temptation to continue eating like this, it is more convenient and easier.
Let's say you received some kind of bonus, or someone sent you some fairly large amount as a gift, or you earned some money somewhere, in general, you had a large amount of money on hand for you. And you want to spend everything immediately. Let's update the kitchen set, or maybe buy a new TV, or finally replace the sofa ...
But if you leave this money, you can pay for an apartment within a few months. However, you will fall into a panic state: no, now, immediately, immediately! You have denied yourself everything for so long that you want to get everything at once, and not think about the future.
Have you heard the story of someone who became a millionaire by unexpectedly winning money in the lottery, and then went bankrupt within a very short time? This is because they cannot get rid of this habit of poverty, from the idea that money is a perishable product and needs to be spent urgently.
Of course, impulsive spending still occurs, but when you get enough money, you can handle it wisely and leave some for unforeseen expenses. Let's say your car breaks down and you can send it in for repairs without borrowing money from your friends.
Those who have found financial well-being have to learn to get rid of the "money panic" and manage money in a new way.
This is such an interesting story, if from your youth you were a fairly wealthy person, then you and your capital are only growing, and if you are at zero all the time, then it would seem that you should be able to manage money, but in reality it turns out that this is not so.
You are unlikely to receive many gifts, and those that you receive are rather mediocre, however, like those that you yourself give. Yes, and you generally spat on all these “wonderful and magical holidays”, and you don’t need any gifts. Another thing is with a child. Children love gifts and they are not mercantile, no, it is normal for a child to love gifts.
Dear parents, never discuss material problems in front of your children. Especially in the spirit: "Let's buy him this expensive car now, and then there will be nothing to eat!" Children worry, they begin to make sacrifices for the well-being of the family and feel guilty for those small material joys that sometimes fall to them.
When our financial situation improved a little, the children and I went to the store, and I suggested that they choose new bedspreads for their beds. Their old ones were already very worn and ugly. My eldest son looked around for a few seconds, and then said: “Thank you, dad! But I really don't need it." At that moment, it became obvious to me how children subtly feel the material problems of the family. They get nervous. They really don't have to worry about money though, because they can't help you anyway!
When you have to deny something to your children, you already feel terribly guilty, and as soon as you have extra money, you try to compensate for this.
When you go shopping for holiday gifts, you will buy twice what a normal person would buy. And then you go out into the street, look at the packages, but this will not seem enough to you, and you will also drop into a nearby store to buy something else.
And then, having arrived home and laid out the gifts, you will think that this is it, and the next day you will go shopping again.
You are trying to make up for the days when you had to save. If you don't buy gifts, then you may have replaced all the furniture in the house, or bought designer clothes, or bought a car that even today's income could not afford. You seem to be laughing in the face of former poverty: “Hey! I saw! You are no more!”
But, be careful, it's easy to forget, and again be at the edge.
You always know exactly how much money you have in your wallet or bank account. You cannot say: “I have about 3 thousand rubles on my card.” You know that you have 2860 rubles on your card.
You need to know the exact numbers so that you can calculate in your mind all the time whether you can now buy this thing and still not owe rent, and make it to the next paycheck without debt.
Paying bills for water and electricity, you thoroughly calculate everything. This is similar to algebraic balancing act: “So, now I will pay 3540 rubles, then next month it will be possible to give 2350…”
That wonderful time has come when you do not need to calculate everything to the nearest ruble. You enter a magical land where you can easily round up the amount in your account, but you will still often check your bank card to find out EXACTLY how much money is on it.
You will not be able to get rid of this habit for a very long time and with the persistence of a maniac you will check your card. You are constantly under pressure and it exhausts you.
You buy only what you really need, no more. If you buy 8 rolls of toilet paper instead of one, then in the end you will win in price, but one roll will last you a week. You kind of understand that by buying 8 rolls you will save, but on the other hand, you see two prices, one of which is 4 times more, and your hand does not rise to make such expenses at this particular moment.
So it is with clothes. Let's say in the summer you saw a wonderful winter jacket. You like it very much, and your last year's one is already quite worn out. In addition, due to seasonal factors, the jacket costs half its initial price. You perfectly understand that by the winter the same model will increase in price again, and it is much more profitable to buy it right now. However, even if you have some "extra" money, you won't be able to spend it right now. Winter is far away, why buy a warm jacket in the summer? ..
If your family has always been poor, then in childhood you most likely wore clothes for older brothers and sisters, or other relatives. Rarely did you go to the store to buy new things. And it became a holiday! But, of course, only what is absolutely necessary was bought. Most likely you were unfamiliar with the concept: “I want to buy these jeans simply because I like them. Even though I already have 2 pairs.”
There is money, but the habit remains again. No, your children are dressed to the fullest, and you, of course, will not refuse them, if they just ask for something. But for yourself, you will always be sorry: these trousers seem to be nothing, why buy another one?
If you still came to the store with the purpose of buying, then the annoying mosquito will squeak in your head: “Hey! Well, why do you need this thing? Do you have few of them? Why these extra expenses? .. ”It is safe to say that you will leave the store without a purchase and in a disgusting mood. When your trousers become unusable, you will buy the first thing that comes to hand, and not at the best price.
And by the way, you will continue to buy 1 bottle of shampoo instead of a pack of 3.
Start fighting some of these habits now. It is clear that you will not be able to change everything at once due to both moral and material factors, but at least try to plan expenses based on the principles of savings, which are characteristic of more affluent people. You may soon find that you spend less money and become a more successful and confident person. Such people always attract success. And when prosperity comes to you, it will be easier for you to learn how to manage your wealth and you will not return again to where you started your journey.
Have you noticed that some people do not peck for money, while others always lack money. Both those and others live by certain rules. Only the latter live by the rules of losers.
If you find these signs in yourself, hurry to get rid of them immediately. Otherwise, you will not get out of poverty.
The first sign of a failure is greed. Such a person seeks to buy everything at a reduced price and is ready to travel through the whole city in order to save a ruble or two. The largest number of losers is among pensioners. It is they who are ready to spend two or three hours of precious time to save a penny. Saving is not a sign of wisdom, but a lifestyle of losers. A successful person is always ready to pay the full price of the product and does it with joy.
The second sign of a failure is to engage in unnecessary and hateful deeds. Unsuccessful people often go to jobs they don't like, live with people they don't like, and waste their time. Wealthy people do only what brings them satisfaction.
The third sign of a loser is disbelief in one's own strength. Such people are constantly complaining about life, that conditions do not allow them to become rich, about the government, and so on. Successful people go to their goal, not paying attention to external circumstances.
The fourth sign of a loser is the identification of money and success. Poor people are sure that only having a million will make them happy, rich people, on the contrary, enjoy life regardless of the amount of money they have.
The fifth sign of a loser is the inability to rationally spend money. They are always trying to spend more than they have. They resort to loans and end up mired in poverty even deeper. Their purpose is to appear, not to be. They buy an expensive car on credit to look wealthy, they buy a big apartment on credit to look rich. Rich people first invest in business, and only then they can afford to buy anything.
The sixth sign of a loser is the choice of momentary gain. Such people are not able to think big. They do not spend money on paid education, as this will save some money. They do not understand that, having received the necessary knowledge, you can earn hundreds of times more with their help. They do not invest in long-term projects, fearing for their fate, preferring to spend the available amount here and now.
The seventh sign of a failure is comparing yourself to others. The comparison begins in kindergarten and school, where children are upset that someone has a toy or a mobile phone, but he does not. Adults try to look no worse than friends and acquaintances. A wealthy person never pays attention to others. He has his own goal, and he goes to it without stopping, and without exchanging for nothing.
And the last, eighth sign of a loser is neglect of the family. A successful person, on the contrary, draws strength from the family, and spends the money he earns not only on himself, but also on his loved ones. That is why the children of wealthy people get everything from an early age, and the poor accustom their children to deprivation, believing that this will teach them to value money. As a result, the children of rich people get used to being lucky and live in luxury, and the children of poor people get used to live in poverty.
If you grew up in a low-income family, then you immediately inherit several habits that will be very difficult for you to get rid of. Even if you improve your financial situation, these habits will bring you unnecessary stress, nerves, and will even “steal” your money. If you have not yet achieved prosperity, but are working hard in this direction, then you should also think about how to get rid of thinking. Because it is rather thinking that determines our material condition, and not vice versa, and by learning to think differently, we will form a favorable atmosphere for success.
« Until recently, I was very poor. For the first 18 years of my life I was a child and just couldn't do anything about it, the next 17 years I was still a child and didn't want to do anything about it. I do not complain and do not want to blame anyone, I chose my own path.
But some amazing things happened, one of which was getting a great job, and one day I found myself living the kind of life I thought a “normal” person should live. My bills were paid, the refrigerator was full of food, and in the courtyard there were two gilded statues of me naked.
But like anyone who has lived in poverty, I can tell you it changes a person. And these habits stay with you even when you no longer need to fight for a place in the sun.
You buy food based on two principles:
1. How long does it keep
2. How cheap is it?
So you can only buy bad food. To save time and money you go to the store once a month or a week.
Vegetables are taken frozen, as they can be thrown into the freezer and not worry about their safety. Fruit in syrup is much cheaper than fresh fruit. Children do not know the taste of real food because they eat canned food too often.
In fact, half of all this food can be burned without regret.
We have already said that children raised on canned food will not be able to understand the taste of real food. She will look wrong. This is a completely different bean, a different milk, and a completely different cheese. This list can be continued indefinitely.
Some people like to point at overweight poor citizens and exclaim: “Ha! It doesn't look like they're starving!" And they are unaware that it is low-quality food that provokes problems with being overweight.
If once you have the money, you can afford to regularly buy fresh food and even have time to cook it, your taste buds will simply not accept this food. She'll have to get used to it.
At first, you will look at, say, asparagus in bewilderment: what is it? Is it to cook? Can it be eaten at all? Or is it for outdoor use?
There is a temptation to continue eating like this, it is more convenient and easier.
Let's say you received some kind of bonus, or someone sent you some fairly large amount as a gift, or you earned some money somewhere, in general, you had a large amount of money on hand for you. And you want to spend everything immediately. Let's update the kitchen set, or maybe buy a new TV, or finally replace the sofa ...
But if you leave this money, you can pay for an apartment within a few months. However, you will fall into a panic state: no, now, immediately, immediately! You have denied yourself everything for so long that you want to get everything at once, and not think about the future.
Have you heard the story of someone who became a millionaire by unexpectedly winning money in the lottery, and then went bankrupt within a very short time? This is because they cannot get rid of this habit of poverty, from the idea that money is a perishable product and needs to be spent urgently.
Of course, impulsive spending still occurs, but when you get enough money, you can handle it wisely and leave some for unforeseen expenses. Let's say your car breaks down and you can send it in for repairs without borrowing money from your friends.
Those who have found financial well-being have to learn to get rid of the "money panic" and manage money in a new way.
This is such an interesting story, if from your youth you were a fairly wealthy person, then you and your capital are only growing, and if you are at zero all the time, then it would seem that you should be able to manage money, but in reality it turns out that this is not so.
You are unlikely to receive many gifts, and those that you receive are rather mediocre, however, like those that you yourself give. Yes, and you generally spat on all these “wonderful and magical holidays”, and you don’t need any gifts. Another thing is with a child. Children love gifts and they are not mercantile, no, it is normal for a child to love gifts.
Dear parents, never discuss material problems in front of your children. Especially in the spirit: "Let's buy him this expensive car now, and then there will be nothing to eat!" Children worry, they begin to make sacrifices for the well-being of the family and feel guilty for those small material joys that sometimes fall to them.
When our financial situation improved a little, the children and I went to the store, and I suggested that they choose new bedspreads for their beds. Their old ones were already very worn and ugly. My eldest son looked around for a few seconds, and then said: “Thank you, dad! But I really don't need it." At that moment, it became obvious to me how children subtly feel the material problems of the family. They get nervous. They really don't have to worry about money though, because they can't help you anyway!
When you have to deny something to your children, you already feel terribly guilty, and as soon as you have extra money, you try to compensate for this.
When you go shopping for holiday gifts, you will buy twice what a normal person would buy. And then you go out into the street, look at the packages, but this will not seem enough to you, and you will also drop into a nearby store to buy something else.
And then, having arrived home and laid out the gifts, you will think that this is it, and the next day you will go shopping again.
You are trying to make up for the days when you had to save. If you don't buy gifts, then you may have replaced all the furniture in the house, or bought designer clothes, or bought a car that even today's income could not afford. You seem to be laughing in the face of former poverty: “Hey! I saw! You are no more!”
But, be careful, it's easy to forget, and again be at the edge.
You always know exactly how much money you have in your wallet or bank account. You cannot say: “I have about 3 thousand rubles on my card.” You know that you have 2860 rubles on your card.
You need to know the exact numbers so that you can calculate in your mind all the time whether you can now buy this thing and still not owe rent, and make it to the next paycheck without debt.
Paying bills for water and electricity, you thoroughly calculate everything. This is similar to algebraic balancing act: “So, now I will pay 3540 rubles, then next month it will be possible to give 2350…”
That wonderful time has come when you do not need to calculate everything to the nearest ruble. You enter a magical land where you can easily round up the amount in your account, but you will still often check your bank card to find out EXACTLY how much money is on it.
You will not be able to get rid of this habit for a very long time and with the persistence of a maniac you will check your card. You are constantly under pressure and it exhausts you.
You buy only what you really need, no more. If you buy 8 rolls of toilet paper instead of one, then in the end you will win in price, but one roll will last you a week. You kind of understand that by buying 8 rolls you will save, but on the other hand, you see two prices, one of which is 4 times more, and your hand does not rise to make such expenses at this particular moment.
So it is with clothes. Let's say in the summer you saw a wonderful winter jacket. You like it very much, and your last year's one is already quite worn out. In addition, due to seasonal factors, the jacket costs half its initial price. You perfectly understand that by the winter the same model will increase in price again, and it is much more profitable to buy it right now. However, even if you have some "extra" money, you won't be able to spend it right now. Winter is far away, why buy a warm jacket in the summer? ..
If your family has always been poor, then in childhood you most likely wore clothes for older brothers and sisters, or other relatives. Rarely did you go to the store to buy new things. And it became a holiday! But, of course, only what is absolutely necessary was bought. Most likely you were unfamiliar with the concept: “I want to buy these jeans simply because I like them. Even though I already have 2 pairs.”
There is money, but the habit remains again. No, your children are dressed to the fullest, and you, of course, will not refuse them, if they just ask for something. But for yourself, you will always be sorry: these trousers seem to be nothing, why buy another one?
If you still came to the store with the purpose of buying, then the annoying mosquito will squeak in your head: “Hey! Well, why do you need this thing? Do you have few of them? Why these extra expenses? .. ”It is safe to say that you will leave the store without a purchase and in a disgusting mood. When your trousers become unusable, you will buy the first thing that comes to hand, and not at the best price.
And by the way, you will continue to buy 1 bottle of shampoo instead of a pack of 3.
Start fighting some of these habits now. It is clear that you will not be able to change everything at once due to both moral and material factors, but at least try to plan expenses based on the principles of savings, which are characteristic of more affluent people. You may soon find that you spend less money and become a more successful and confident person. Such people always attract success. And when prosperity comes to you, it will be easier for you to learn how to manage your wealth and you will not return again to where you started your journey.
Everything happens in life: prosperity, and poverty, and joy, and sorrow. But every person needs to remember that there is always a way out. And if trouble happened, then it is either like a well-deserved punishment, or like a bitter, but experience.
Often even people say: "If there were no happiness, but misfortune helped." But what to do, how to get out of poverty if it knocked on your door?
Do not despair. Believe me, tears, depression, anger at the whole wide world will not help the cause. Common sense, a sober view of life should be present not only in unpleasant circumstances, but at any moment.
Take a notebook or notepad, an ordinary A4 sheet and a calculator. Consider who and how much money you owe. What to Do Plan everything in writing. The calculator will help you calculate how much you can save on purchases and what is the probability that you will soon pay off the loan or How to get out of poverty, we will tell further.
Do you know what Christians usually do when trouble strikes? They pray to God to help in everything. They believe that the Lord so reminds of himself, gives people the opportunity to come to their senses, stop wasting their lives in vain.
The crisis in the country or in the world is not the reason for your poverty. You create this environment yourself. It's time to sit down and think about what you've done in the last period. What could lead to debts and lack of money?
Think about whether you are wasting money? Do you smoke? Do you like to drink? You know that alcohol and tobacco kill the body, give up bad habits in favor of the budget or debt repayment.
How to get out of poverty for a woman? Why are we talking about her? Because she likes to use cosmetics, perfumes, bath accessories, buy new outfits. You can live with a beautiful appearance and without these attributes, simply and tastefully.
Do not buy extra toys, chocolates and chips for children. Not only are these harmful products that destroy the body, they are also not cheap.
Buy only everything you need and at the lowest price, at a promotion or at a discount. Or maybe choose a cheaper alternative. Don't go after advertising brands, for example, Blend-a-Honey paste, of course, costs almost 10 times more than New Pearls or Forest Balsam.
Everyone who has experienced late payments knows that it is almost impossible to hide, and it is impossible to ignore warnings. Penalty (fine for delay) is getting bigger and bigger every day. Most banks charge penalties as a percentage rather than a fixed cost. There may then be litigation, up to the confiscation of property.
How to get out of poverty in this case? Use all the funds you have to pay off the loan. It is better to walk to work for a month and not smoke, but you will quickly pay off your debts.
You should not ask for a loan from neighbors, colleagues, relatives, if you are not sure that you will repay it soon. But it's worth trying. Just promise that you will return as soon as possible. Don't name specific dates.
How to get out of poverty, debts thanks to the help of others? Be sure to write down who took the money and how much. Do not spend the amount that appears on things that you can buy later.
Nowadays, there are many options on how to get out of poverty. The methods are presented below:
If you are good at sewing or knitting, then you can do needlework for sale.
How to get out of debt and poverty with the help of freelancing? think about what you do well when working on a computer? Write texts or edit photos? There are many ways to make money online these days.
If you, for example, are well versed in cars, then you can recommend yourself through relatives, friends, colleagues as an experienced craftsman.
Even if you know almost nothing, it's time to learn something. Maybe you will discover a talent for a particular activity.
So we figured out how to get out of poverty and debt. If you do not have such a crisis, then it will be useful to do prevention. What is it? Let's list:
May you always have extra money. You can arrange them in different envelopes, piggy banks, niches under the carpet.
If you learn to act deliberately every time, then you will not have to face debt. Unfortunately, no one is immune from poverty, you can only minimize it, and save yourself from debt once and for all.
