you have a habit of doing investments? Can you meet your goals? Have you researched enough ways to make your investments, but still don't have the money to start? These and other doubts are very recurrent for new investors.
Stay tuned in this article, as we will show you how to get the initial resource to start your investments. It's not about starting with low values, like r$ 10, for example, we'll explain better throughout this article
To start succeeding in investments, you need to clean up! Calm down my friends, I'm not saying that you need to clean up to start making money and start your investments, we're talking about cleaning up bad financial habits, to start being successful in investments.
Habits that prevent investments
Firstly, we need to be honest, because it is necessary to understand exactly which habits are robbing your financial organization, are you asking for a lot of food on apps like iFood? When we order it, it seems little, but over the course of a month it really adds up to considerable value.
When we talk about investments, we are talking about a new way of dealing with money, that is, if you still haven't managed to save money, it's because you have bad financial habits, how can you create profitable investments with bad financial habits? This account will never close.
You really need to clean up, and review all your expenses, the tip is to install a financial control application, or even make notes in a notebook, of everything that comes in and everything that goes out, that way you can know how you are doing spending your money and where to save.
Current investments and methods
There is an interesting technique called the "three-pen method", since you already have control of your bank statement and your expenses, you will literally need three pens, a ruler, and another person who will interview you .
Before starting the process, write down on paper what is really essential in your life, that is, what really cannot be missing in your life, it is necessary to do this without seeing the statement of expenses. The other person in question will start reporting their spending by reading line after line. The interviewee's role is to answer whether each item on the list can be eliminated or even reduced, or even the option of not being removed.
Being three different answers, each answer will have a color, that way when you finish the interview, you will see that the result will be all in color, that way you can see how much you can really save, it is worth remembering that the amount saved is exactly used to make investments and make profits, and then convert this into leisure, well-being or even goods.
Cutting the Nails
Right after you have managed to eliminate unnecessary expenses, it is good to remember that the process cannot be done just once, as the tendency is for bad habits to return, so you need to be doing this process all the time. Cleaning is always welcome!
The most important tip for this process is the tip called "70/30", which means that the user will always have at least 30% of his earnings available to make investments, which is why financial planning is very important, and knowing everything he spends and everything he earns in order to better organize himself.
Learning new ways to save money
A very interesting thing is the way the brain deals with money, have you ever stopped to think that most of the time people spend everything they earn? Regardless of whether the salary is r$ 1500 or r$ 10000 per month? Is this not the case in practice?
This happens because the mind, as a form of protection, wants you to live with everything you have, for this very reason, the vast majority of people spend everything they earn, however, there is a very interesting tip, imagine that you earn r$ 2000 per month , the moment the money lands in your account, if you create the habit of taking a part and keeping it in another account, your mind will get used to it.
It is worth remembering that we are changing habits, and these changes do not happen overnight, so the tip is to be consistent, and change our lifestyle, many times we can increase our financial potential without having to work more, just organizing spending and creating the habit of saving.
Top tips for improving financial organization
- Always save 30% from everything you earn.
- Understand all financial inflows and outflows, so you know where you can cut spending.
- Once you start saving money, be careful not to fall back into bad habits.
- Invest in safe securities with good returns.
- Understand the difference between superfluous and leisure.
For more information and tips on finance, or on current applications, visit our apps category! Good luck!