Life experience, as you know, comes not only over the years, but also through making mistakes. Some mistakes negatively affect life, and some are completely positive, but experience is experience. The main thing is to draw conclusions in time and not to repeat these mistakes in the future.
As for the financial mistakes, which are perceived even more painful, since having made at least one such mistake, you will have to pay not only morally, but also financially, in fact, with personal finances.
Financial mistakes are also different, as well as life bugs, but this article discusses only the most serious mistakes that should not be made in any way. The above tips in the article will help young people avoid them altogether, and rather mature people do not repeat them and fix the financial situation for the better.
1. Student loan or student loan.
Very exciting service, which involves the use of funds provided by a financial institution, a bank, to pay for education. Suppose that you have already decided to issue a loan or you simply have no other opportunity to pay for your studies, and to have a higher education in our time is already the norm, then you do not need to be tempted about the amount. Do not take out a loan more than you may need to pay directly for the training itself.
2. Wrong choice of profession / specialty.
Undoubtedly, this also needs to be considered a financial error that adversely affects your future. Even after graduating from an institution of higher education, having acquired all the necessary skills, but without having the desire to work in the chosen field, there is a small chance that you will be satisfied with your future work, and this is directly related to how financially your life will be provided.
3. Credit Cards.
A very urgent problem in the hiring of modern society. Almost every third Russian has a credit card, every second has problems paying off the debt on this card. A credit card is not a necessity, but financial assistance in the most extreme and vital situations.
4. Inaction.
A passive attitude to life and money specifically in the end will only bring disappointment, unwillingness to do anything, loss of interest in life. And the result of all this can be a precarious financial situation, a poor and gray life, and a poor old age. Prospects, for sure, are not encouraging. Therefore, show yourself more at work, take part in events, go to trainings, improve your qualifications.
5. A waste of money.
No matter how old you are now, you know a simple truth that says that money does not go easy. So why spend money on meaningless purchases, on something that can impress others. For example, a very expensive phone when you have a sad situation in your wardrobe or you have spent 80% of your salary, and now you are trying to reach the next salary.
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6. Debts.
Here we will talk not so much about debt, as about the need to borrow money and about this habit. There are people who can no longer live without debts and constantly ask their relatives and acquaintances to lend them money. We are now talking about the money that was taken for entertainment, recreation, useless purchases. If you cannot afford entertainment with your friends, then postpone this meeting for a better time or meet them at home.
7. Shopping.
Often this problem is seen in those who do not have enough finances for shopping. But this disease does not depend on the amount of money or need, for example, in clothes. Here you need to talk about low self-esteem and self-doubt. The fact that you are not working on yourself suffers not only from your financial situation, but also possibly from your relatives.
8. Gambling.
Very serious problem which should be solved already with the psychotherapist. Paid online games, slot machines, card games for money, sports betting, this is already an addiction, equivalent to alcohol addiction or smoking.
9. Your environment.
Take care that you are surrounded by decent, educated people, from whom you can learn a lot of interesting and positive knowledge. Believe me, after talking with an interesting and wealthy person, there is a desire to reach out for him and raise his standard of living.
10. Goals.
If you have not set goals yet, then start it. Write down, all that you would like to achieve, acquire, read, do. Set realistic goals and break them down into tasks that will be easier to accomplish.
