From the outset I would like to remind myself and you that we all - an integral functional units of the economy and how to do, but still falls under the influence of its laws. Among other things, would particularly like to draw your attention to the three major laws, the combined effect of which is precisely defines us with your financial situation.
The first of these laws - a law increasing needs. He tells us that our needs exhibit steady growth, with a much more rapid compared with the growth of our revenues.
The second law is the law of diminishing marginal utility, which is the same product over time will inevitably lose its value and ability to meet our needs.
The third law is the law of inflation - a very negative for us to lose money the property of their ability to purchase, or depreciate.
Given these and others in the same spirit of factors, let us make some adjustments to what our financial policy.
To begin with we define our economic income. We do not mean income in the form of salary or income from business under the concept of economic income, we mean cash balance after payment of all consumer loans, covering all necessary expenses for food, housing, communications, transportation and so forth and so on and . It is this balance; the economy is often called economic gains. So what is your economic income?
For example, let illustrate, a few years ago, my net economic gains, as a rule, was equal to zero! Indeed, sometimes it even reached negative values! Why does it mean? The answer is unequivocal - I am, so to speak, did not like myself. I have to pay first, service providers, vendors, all-all, and as a result of a left or nothing, or debts ... This was an unacceptable mistake, and the awareness it has made it possible to change the situation for the better.
