Save, invest, earn.
Most of us are struggling with the problem of how to earn more money? If we live with parents and we are young and carefree, we don’t care much about it. Because more money more fun, no money no fun. We can live without it. But when we experience different life difficulties, health problems or simply we want to start a family or our own business then our point of view changes. We become more experienced and responsible. In our adult life, we struggle with bills and various types of paid goods, which deplete our pocket. That’s why we’re starting to focus on how to earn more money? To earn more money we have to invest in new skills and any skills depend on three things: time, energy and money. Anything that we do take it time and energy. But if we wont to learn something new we have to invest money as well to get books, programs or lessons. But from where we can take money for investments if we live from paycheck to paycheck? We have to learn how to save money first. Below I’ll give you some helpful tips which I learned from my mentors. I used them myself and thanks to them I achieved the intended goals. So how to save more money?
First – save
In the beginning, you have to make reductions in your liabilities or expenses. Many companies want to wrest money from our hands in various ways, offering us things that are not really needed or we don’t them as much as it seems, so it is in our interest that they would not make it or we have to try to reduce it.
I suggest that in the beginning, write on a piece of paper everything on what we spend money. Thanks to this, our liabilities will be visible and the problem relating to this will become objective, not subjective, so one by one:
1. Electricity, gas, water bills,
2. Phone, internet, TV bills,
3. Check the petrol oil or gas prices,
4. Life insurance, home insurance, car insurance,
5. A workshop where we repair the car and other similar services such as gym, dentist, beautician, hairdresser, etc.,
Of course, this can be done more easily, it all depends on your preferences. As we will describe this we start working on each of the above points, e.g.
Ad.1. Check the possibilities of cheaper tariffs or change of supplier. Start to think, ask and look until we find it. We don’t realize how much we can save money on switching supplier for example. Just one note, don’t be in a hurry. It’s better to do it slowly and exactly. I’m sure extra money will come. Be systematic and persistent, and success will come. Like in this quote:
“The first man who moved the mountain began with small stones.”
Second – invest in knowledge
Sometimes we can reduce liabilities or expenses, and we can still have financial problems. Because we need the most important thing that controls everything. Irreplaceable financial knowledge, called financial intelligence. If we learn it well once, it will serve us for the rest of our life. One of my mentors R. Kiyosaki in his book “Rich Dad Poor Dad” says to learn to distinguish the basic concepts. Thanks to this, we will be able to understand when money is running out of our pockets and when they fall into our pockets. I will write an explanation of these basic concepts in brackets in the way how Rich Dad did it, teaching two children. Because, in the beginning, this must be fully understood to be easily remembered.
– assets – (Here, the money falls into our pockets) stock market shares, vouchers, bills, real estate, intellectual goods.
– liabilities – (Here, money falls out of our pockets) home repayment, consumer loans, credit cards.
– income – dividends, interest, rental income, license fees.
– expenses – taxes, home repayments, consumer loans, credit cards.
Guide
As Robert Kiyosaki writes, the ignorance of these basic concepts is the cause of the biggest financial problems. The worst thing is that people with a lack of appropriate knowledge simply confuse them, for example, assets with liabilities. Not only that, they teach another people, and another, etc. and a vicious circle is created. One such thing is 
a house or flat. Who has not heard that a house or a flat is the most important thing? These liabilities are the cause of financial problems, because most people buy houses or apartments for themselves, for the family. Even I thought so and wrote it in the first article INTERESTED IN FINANCIAL FREEDOM which indicates the lack of adequate knowledge when it comes to financial freedom. Do not get me wrong, if someone feels fulfilled having their own home, is fine. However, if any of you want to live in financial freedom, then you should know that the home or a flat is one of the largest liabilities. This is a thing which allows money to go out of our pocket the most. That’s why it shouldn’t be the most important thing. I read on and found out that people always put money into a house or flat. You have to make payments, sometimes renovations, make it look nicer, and sometimes repairs. That’s why from an economic perspective a place of residence is the biggest liability for us. But is a piece of good news we can change them into assets if, for example, when we will rent them for someone or sell them for a better price. Robert Kiyosaki advises to focus on buying the asset and when the money accumulated from the asset is enough then we can buy liabilities (in this case a house or flat) or what even better we can buy more asset using generated money. Then money makes money. BUT…
Remember
All depends on our financial intelligence. The money can’t multiply by themselves. It is the way how we make them work for us. Therefore, knowledge in this respect is considered to be the most valuable in the world, thanks to this knowledge we can live in financial freedom. We can eat, sleep, dress up as we like. We can travel where we want and for how long we want. For ordinary people, it’s like a fairy tale, and for those who have financial intelligence, it’s a reality. The reality that is available for each of us, just be open to knowledge and learn from those who have achieved it. As Robert Kiyosaki says:
“If you want to go somewhere, it is best to find someone who has already been there.”
Financial intelligence is an acquired skill, not an innate one, so anyone can get it. Be positive and start looking for. I have already done it and it took my time, energy and money. But it depends on you what you can invest the most. At all these three things accompany us while acquiring new skills. The more we put in each of them, the more knowledge we will get. This knowledge gives us experience and skills which will allow us to live in financial freedom. So be open-minded, patient and persistent and you’ll get it. I wish you good results. If you like to know more about it, you’ll find in the next article entitled:
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