Get rid of these habits. And you will feel how the empty pillowcase begins to fill with an elastic airbag.
❌ The habit of spending all your money.
With this approach to finance, there is no money left either with a modest salary or with an indecently large one.
❌ Lack of goal.
You need to save not for a “rainy day”, but for a vacation, renovation, house, etc. – find your motivation.
❌ Live in debt.
Spending more than you earn is a bad financial strategy. Until you learn to live within your means, you cannot begin to accumulate wealth.
❌ Spontaneous purchases.
The financial plan must include not only future income, but also future expenses. Plan your purchases in advance. Spontaneous spending deprives you of the opportunity to invest more and receive passive income.
❌ Neglect of required benefits.
Unused tax deductions, cashbacks, discounts mean thousands and thousands of rubles in lost profit