Sfaturi care ar trebui să fie evidente

Atunci când folosești pentru deplasare bicicleta și propriile picioare în loc de mașină ai timp să te uiți mai mult pe stradă, la magazine, la ce s-a mai deschis nou în spațiile comerciale de la parterul blocurilor. Am remarcat că pe primele trei locuri ca numărul de spații ocupate sunt amaneturile, pariurile sportive/ jocurile de noroc și farmaciile urmate de aproape de fast-food. Dacă sunt atât de multe bănuiesc că au și clienți. În zonele mai sărace numărul lor este și mai mare.

Am tot vorbit de stilul de viață pe care eu îl consider de ales iar mie mi se pare atât de normal acest mod de a trăi viața încât uit că se poate și altfel. Acest articol se vrea să fie un rezumat al unor lucruri despre care tot am vorbit și ar trebui să fie evidente dar e bine să fie adunate toate la un loc, în o listă astfel încât să fie ușor de revăzut la nevoie.

  1. Niciodată nu ei bani împrumut de la amanet ! Chiar la ratele „competitive” care sunt acum de 0,1% pe zi înseamnă 36,5% pe an, ne punând la calcul capitalizarea dobânzii. E enorm ! Și dacă acum nu ai banii respectivi sigur nu vei avea mai mulți când trebuie să restitui și dobânda.
  2. Nu pariezi calea ta spre bunăstare. România are peste 13 000 agenții de pariuri stradale. Nu mai spun numărul în creștere a ofertelor online. Principalele echipe de fotbal din România au pe tricouri reclame la pariuri sportive. Există sate care nu au apă și canalizare dar au agenției de pariuri sau măcar câteva aparate de păcănele. Este un fenomen endemic. Nu este ceva nou, nici ceva inventat de români. Un singur lucru este constant – casa câștigă întotdeauna cu precizie matematică. Oamenii își pun banii lor cu greu câștigați, sau mai rău împrumutați, pentru îmbogățirea altora. Gândiți-vă doar cât costă reclamele din pauza unui derby sau pe bannerele unui stadion cu 30 000 de oameni. Toate astea sunt plătite din banii voștri. Deci să o spun clar și răspicat: nu pariezi niciodată dacă scopul tău este să ai mai mulți bani. Toate chestiile cu „numere mele magice” și „sunt o persoană norocoasă” sunt o prostie. Toate persoanele din lumea asta au aceeași șansă să câștige sau să piardă la un aparat de joc. Nu contează cine apasă pe buton, rezultatul va fi același. Și pe lângă faptul că vei pierde matematic, lași din mâna ta șansa de a-ți decide viitorul. E vorba de controlul psihologic pe care îl cedezi către …soartă sau sistem. Iată cum trebuie să faci pentru a deveni bogat: câștigă cât de mult posibil, cheltuiește cât de puțin și investește diferența. Prin investire înțeleg nu să cumperi monede virtuale sau acțiuni la o firmă high-tech care crezi tu că o să crească pentru că asta este tot a paria.
  3. Toate reclamele pe care le vezi la televizor despre unele produse care le găsești în farmacii sunt pentru suplimente nutritive. Adică pastile care au substanțe care le găsești și în mâncare. Dacă chiar ai o problemă medicală mergi la medic și vezi dacă chiar îți trebuie vre-un medicament. Restul problemelor minore se rezolvă prin o dietă variată, mișcare și menținerea unei greutăți cât mai aproape de normal. Suplimentele nutritive, în cel mai fericit caz, nu îți fac rău. În schimb nici unele nu au studii omologate cu grupuri de control care să fi luat placebo și care să arate un efect în plus. Deci dacă vrei să spui că tu ai luat și ți-a făcut bine probabil era efectul placebo care l-ai fi resimțit și dacă luai o pastilă făcută doar din..făină cu aceeași culoare și reclamă.
  4. Toți primim câte o dată sume mai mari de bani uneori neașteptate alteori doar neprogramate. Poate fi un bonus mai mare la serviciu, un cadou, o moștenire, o asigurare care plătește suma asigurată iar tu îi ești beneficiarul, etc. Mulți folosesc acești bani pentru a cheltui pe diferite luxuri sau extravaganțe: mașină nouă, cină extravagantă la restaurant de fițe, papuci, poșete… Eu văd aceste sume ca o oportunitate mare de a te apropia cât mai mult de libertate financiară. Cum le-ai primit trimite-le în împrumutul care îl ai cu dobânda cea mai mare. Nu mai ai împrumuturi investește în o casă nouă sau sau în investiția pe care o crezi tu mai bună. Acest venit extraordinar poți să îl consideri un cupon de super reduceri prin care primești „concediu” câteva luni/ani înainte de retragere/ independență financiară.
  5. Nu cumpăra lucruri pe care nu ți le poți permite. Ar fi două reguli generale: Dacă ai credite probabil nu ți-l permiți. Dacă încă lucrezi pentru a trăi și ai vrea la un moment dat să ai ceva de spus în privința asta atunci tot nu ți-l permiți. Bineînțeles că toți vom încălca ocazional aceste reguli pentru lucruri importante în viață. Dar având aceste lucruri în minte data viitoare când va trebui să schimbi frigiderul nu îl vei alege pe cel cu touchscreen și televizor inclus.
  6. Nu cumperi lucruri care nu îți trebuie. Ce vreau să spun că niciodată nu te duci „la shopping”. Dacă chiar îți trebuie un lucru studiezi întâi piața, te uiți și pe facebook dacă nu poți să îl găsești, te mai gândești încă o dată dacă chiar îți trebuie și apoi îl cumperi. La cumpărăturile săptămânale mergi cu lista făcută de acasă. Nu ai nici un motiv să te pornești doar prin magazine „să vezi ce mai este”.
  7. Restaurantul sau fast-food-ul nu este o sursă de mâncare. Este eventual un loc de socializare și experiențe planificate cu mâncare bună și prieteni. Nu doar ieși în oraș să mănânci pentru că nu ai nimic acasă.
  8. Automatizează lucrurile care pot fi automatizate Cel mai bun exemplu este plata facturilor. De ce să mai ai acest lucru în minte când banca poate să-l rezolve pentru tine. Bineînțeles că vei verifica din când în când contul și vei vedea dacă este o factură care iese din normal dar e inutil să ai vraful de facturi pe masă în hol care așteaptă să fie plătite.

Toate aceste lucruri mi se par evidente și parcă nu ar merita un articol separat. Aplicându-le sistematic vei vedea că o rată de economisire de 50% sau mai mare nu ți se va mai părea intangibilă. Și abia după aceea începe viața adevărată.

Lasă și pe alții să afle

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