Creation of reserve

To one people this stage is given easily and without tension. Other - vice versa. But regardless of how initially there were the pashas of relationship with accumulations, you can succeed here, capturing effective methods. As a rule, that, who does not succeed to accumulate facilities, a superfluous wastefulness prevents. Reasons for the similar conduct can be fully objective. For example, people circumferential you have a strong sense to accumulation - and you are forced to outlay anymore simply in order to provide due quality of life to itself and near. Other, often meeting variant are you are inclined to accomplish the «imaginary» purchases, I.e. to acquire things, following the appeals of publicities rollers. If this so, no even highest profits will appear it is not enough for forming of backlogs. Such our modern world is world of user of material welfares. Do you disbelieve?

Then conduct the simple experiment. Looking over one of good, flush by publicities rollers films, write that offered to you during viewing. And fill in approximate price-lists opposite every position. Well and as? In fact the question is not only about relatively inoffensive butters for frying, mayonnaises and detergents but also about clothes, digital technique, cars, out-of-town cottages and houses, apartments, trips, and main - about the way of life, supposing the permanent and ponderable spending. About such lifestyle which it is impossible to provide, not having credits cards or parents-millionaires. But washed here we decide a reverse task - as reason by a millionaire. Later, discussing effective earnings at the fund market, we will get back to the same theme, but from other end: how it is possible to begin to work on her. At short notice simply we will accept as a rule: we reasonably plan spending. And, already in second times from the beginning of book, we speak to the personal budget as to the effective instrument for forming of backlogs.

Persons interested reason by the possessor of the millionth state must accept as axiom: it is necessary to conduct the personal budget. For the beginning of him it is possible to make in a weekly or in a notebook with the checked paper. Computer amateurs can begin the conduct of budget in an electronic form (very comfortably in the program of Excel). All it is simple to the utmost: two columns, in one we bring in the planned profits, and in other are charges. More comfortable to arrange charges on the articles, such as meal, clothes, obustroystvo at home, employments by sport, transport, trips and ïðî÷. - so that a list did not turn out endless and was comfortable for the analysis. Conducting a budget, it is necessary absolutely to follow diaereses to the rules.

Rule first. Charges not must exceed profits.
Rule second. It is necessary to create reserve - I.e. to plan in a budget certain sum in size of 10-30% from the sum of profits on accumulation of reserves.
Rule third. The effective use of reserve must translate a budget on a new level. Through the set time all charges must be fully compensated by the profits got from the use of backlogs, I.e. from investing of backlogs.
And, thus, we walked up to the third stage.