Everything happens in life: prosperity, and poverty, and joy, and sorrow. But every person needs to remember that there is always a way out. And if trouble happened, then it is either like a well-deserved punishment, or like a bitter, but experience.

Often even people say: "If there were no happiness, but misfortune helped." But what to do, how to get out of poverty if it knocked on your door?

Peace, only peace!

Do not despair. Believe me, tears, depression, anger at the whole wide world will not help the cause. Common sense, a sober outlook on life should be present not only in unpleasant circumstances, but also at any moment.

Take a notebook or notepad, an ordinary A4 sheet and a calculator. Consider who and how much money you owe. What to Do Plan everything in writing. The calculator will help you calculate how much you can save on purchases and what is the probability that you will soon pay off the loan or How to get out of poverty, we will tell further.

Constant lack of money or debt

Do you know what Christians usually do when trouble strikes? They pray to God to help in everything. They believe that the Lord so reminds of himself, gives people the opportunity to come to their senses, stop wasting their lives in vain.

The crisis in the country or in the world is not the reason for your poverty. You create this environment yourself. It's time to sit down and think about what you've done in the last period. What could lead to debts and lack of money?

Learning to save

Think about whether you are wasting money? Do you smoke? Do you like to drink? You know that alcohol and tobacco kill the body, give up bad habits in favor of the budget or debt repayment.

How to get out of poverty for a woman? Why are we talking about her? Because she likes to use cosmetics, perfumes, bath accessories, buy new outfits. You can live with a beautiful appearance and without these attributes, simply and tastefully.

Do not buy extra toys, chocolates and chips for children. Not only are these harmful products that destroy the body, they are also not cheap.

Buy only everything you need and at the lowest price, at a promotion or at a discount. Or maybe choose a cheaper alternative. Don't go after advertising brands, for example, Blend-a-Honey paste, of course, costs almost 10 times more than New Pearls or Forest Balsam.

Debts on a loan or other payments

Everyone who has experienced late payments knows that it is almost impossible to hide, and it is impossible to ignore warnings. Penalty (fine for delay) is getting bigger and bigger every day. Most banks charge penalties as a percentage rather than a fixed cost. There may then be litigation, up to the confiscation of property.

How to get out of poverty in this case? Use all the funds you have to pay off the loan. It is better to walk to work for a month and not smoke, but you will quickly pay off your debts.

Is it worth borrowing from relatives and neighbors?

You should not ask for a loan from neighbors, colleagues, relatives, if you are not sure that you will repay it soon. But it's worth trying. Just promise that you will return as soon as possible. Don't name specific dates.

How to get out of poverty, debts thanks to the help of others? Be sure to write down who took the money and how much. Do not spend the amount that appears on things that you can buy later.

Ways to earn extra income

Nowadays, there are many options on how to get out of poverty. The methods are presented below:

• overtime or part-time work at the main job;
• turn a hobby into a job;
• freelance;
• tutoring;
• caring or looking after a child, an elderly person, pets.

If you are good at sewing or knitting, then you can do needlework for sale.

How to get out of debt and poverty with the help of freelancing? think about what you do well when working on a computer? Write texts or edit photos? There are many ways to make money online these days.

If you, for example, are well versed in cars, then you can recommend yourself through relatives, friends, colleagues as an experienced craftsman.

Even if you know almost nothing, it's time to learn something. Maybe you will discover a talent for a particular activity.

Prevention of poverty and debt

So we figured out how to get out of poverty and debt. If you do not have such a crisis, then it will be useful to do prevention. What is it? Let's list:

• Do not take loans at all, because you never predict what might happen tomorrow. You can, of course, take out insurance on a loan, but you also have to pay for it, and a lot.
• Buy things and products as needed.
• if the journey takes less than 3-4 kilometers. So save on expensive public transport and gasoline for your personal car.
• Buy goods where it is cheaper. If there are periodic promotions, then do not rush to buy a thing at an inflated price. Wait for the discount.
• Learn to save extra money from your salary in a secluded place so that there is no temptation to get money.
• Get a job if possible.

May you always have extra money. You can arrange them in different envelopes, piggy banks, niches under the carpet.

If you learn to act deliberately every time, then you will not have to face debt. Unfortunately, no one is immune from poverty, you can only minimize it, and save yourself from debt once and for all.

Instruction

Stop feeling sorry for yourself. Surely you constantly think that you work no less, and even more than others, but still money disappears from your wallet at supersonic speed. Perhaps you even think that you are not capable, such is your fate. It is these thoughts that block financial flows. Your subconscious simply does not allow you to become a wealthy person.

Stop being mean. Greed and stinginess are the main characteristics of a poor person. Greedy people buy low-quality things just because they have a big discount. They strive to save everywhere and on everything. Reasonable savings is not bad, but it is always worth remembering that the miser pays twice. Try to buy only the things that you really need, choosing the highest quality products.

Stop doing what you don't love. If you don't like your job, change it. There is nothing worse when a person day after day comes to a hated office, communicates with uninteresting people, eats tasteless but supposedly healthy food, reads a boring but fashionable novel. Not life, but a series of continuous ordeals! Do not be afraid to change something in your life. Find positive moments, concentrate on them, and gradually begin to get rid of unloved things and deeds.

Don't measure your happiness with money. It is unlikely that any specific amount of money will help you get out of a difficult financial situation. Most likely, these funds will be quickly and thoughtlessly spent, and you will return to where you started. It doesn't take much to be happy. It is not necessary to “celebrate” payday with your family in a cafe, you can go outside and make a real war with snowballs or make a snowman. You will not spend a penny, and the children will remember the frosty sunny day spent with their parents for a long time to come.

Don't spend money on things you can't afford. For example, you wanted to buy a TV for the kitchen. A wealthy person will allocate the necessary amount from his income so that he does not have to eat only pasta until the end of the month. The poor - will take a loan, acquire the desired thing, and then for six months or a year he will pay the bank both its cost and interest on the loan.

Try using the 10 percent principle. From each salary or bonus, give a tenth of the money to those who need it more. It doesn't have to be charitable donations to monasteries or orphanages (although if you feel like helping, do so). You can give this 10 percent to your parents or invest in your education. Another 10 percent must be set aside. But not for a "rainy day", as poor people do, to the bank, at interest. In a year or two, you will already have a fairly solid amount on your account that you can spend on vacation, new furniture - in general, on what you have long dreamed of, but could not afford.

Use a list system. Hang two sheets of paper on the refrigerator and attach a handle. All family members should write down on the first sheet what is urgently needed: the shampoo is over, the school is collecting money for an excursion, you need to buy a couple of light bulbs for the chandelier. In a week, you will get a very specific list, based on which you will plan your expenses, giving up unnecessary, spontaneous and unnecessary purchases. The second sheet is long-term plans. It also needs to be compiled gradually and with the whole family. For example, a daughter wants to sign up for yoga courses, dad needs winter tires for the car, mom needs a new frying pan or a mobile phone. When you have accumulated a sufficient amount of money (of those very 10 percent set aside every month), you will need to prioritize and there will be a real opportunity to satisfy the desires of all members of your family.

Don't compare yourself to others. Some people are quite content with a domestic car, while others fundamentally drive only foreign cars, others lead a healthy lifestyle and walk part of the way to work. Everyone makes their own choice. And this does not mean that someone is right and someone is not. You have your own interesting and happy path in life. So walk along it and smile more often, as all rich and successful people do.

As the saying goes: "Happiness is not in money, but in their quantity." After all, poverty deprives not only the opportunity to buy the most necessary things, but also to take care of the most important thing - health.

The problem of a beggarly existence may lie in your worldview. Negative experiences from childhood sometimes prevent you from starting a full life. Uncertainty in one's own abilities, accumulated resentment and humiliation are not so easy to pull out of one's head. Our habits play a decisive role in material well-being.

• Lack of money plunges many families into a state of hopelessness and despair. The daily struggle for survival robs us of all hope for a better future.
• Poverty speaks of the weakness of man. You need to fight for your place in the sun, strive for a better life.
• Not everyone manages to find a well-paid job. Lack of funds inevitably leads to debt. You can not take material problems as a death sentence. Anyone can be in this situation. The most important thing is not to lose the desire to live better.

Here are some good habits to help you get out of poverty and debt:

• Monthly budget planning. To learn how to save and save money, you need to systematize your expenses. Budget planning allows you to avoid unforeseen waste, save money for the right things. The stock of money gives confidence in the future, is a safety net in unforeseen situations. Recording expenses allows you to track purchases that do not bring value. You will be able to redirect funds in the right direction.
• Greater source of income. If your monthly salary does not cover your expenses and there is no money left to save, then you should think about changing jobs. If you can't find a better job anytime soon, it's still worth keeping looking. For a while you can find a part-time job. It is never too late to learn new knowledge, take refresher courses. New knowledge allows you to get a higher paying position. Don't be afraid of change. A new job, a new profession always opens up new perspectives. Thoughtful decisions and changes change lives for the better.
• Justified savings. In a period of shortage of material resources, it is very important to learn how to save. Most of the money is spent on groceries. In several supermarkets, prices for the same products can vary significantly. Do not rush to part with money, take the time to analyze the market. You can buy clothes online. The money you save can be deposited.

• closed credit cards. Constant use of a credit card makes you a perpetual debtor. Stop relying on money that doesn't belong to you. Before withdrawing another amount from a credit card, first think about when you can return them. Set a goal for yourself to accumulate funds that you can independently manage in the right period of time. Systematic debts to creditors are a serious obstacle to a better life.
• Stop feeling sorry for yourself. A needy person very often transfers the causes of his failures to others. I was born in the wrong family, I live in the wrong city, nobody needs me without an education. Pity has not yet added prosperity to anyone. Set yourself a goal and move in that direction. Take your failures as another step on the way to your cherished dream. Don't live in the past. Strive for successful and purposeful people.
• Favorite work. Many people go to work they hate every day. At the same time, they constantly express their dissatisfaction with the authorities and working conditions. We find many excuses why we cannot influence the situation, but the main reason lies in our own weakness. Have the courage to change your life get out of poverty and debt. The work must have a future perspective. If your work schedule includes several hours of free time, then you should make the most of this time. Don't waste your time wiping down your pants at the office.
• The right investment. To have more, something needs to be changed, improved. If you want to prolong your life - take care of your health, preserve youth - take care of your appearance, if you want to earn more - invest in your education. As an employee, you still need to continue to develop and improve your level of knowledge. Do not spare money for yourself, even if the result is not instantaneous, the desired result will definitely appear in the future.

• Separation of needs and desires. To improve your financial situation, you need to give up your desires for a while. It is much more difficult to save on needs. Buying food, paying utility bills, everyday clothes - these are things without which we cannot be in society. But Italian furniture, vacations abroad, branded clothing are among our desires, but are not primary tasks.

How to get out of poverty and debt: stories of famous people who overcame poverty on the way to success

Stories of people who got out of poverty:

• Jim carrey was born into a poor family. Due to the financial difficulties of his parents, Jim did not have the opportunity to receive a quality education. The insolvency of the parents left the whole family homeless, they were forced to move into a van. Before finishing his studies, Jim had to work, doing far from the most pleasant work.
• From early childhood, the young man had a clear idea of ​​\u200b\u200bwhat he wants. His main priority was to do what he loves, which he would never trade for a boring high-paying job. Jim's first parody performance ended in complete failure, but this did not become an obstacle to further success.
• Kerry continued to develop his skills and strives in his cherished dream. Already the second performance led Jim to success. We conclude that material well-being does not come instantly. It is important to have the desire and drive to change.

• Oprah Unfrey was born into a poor dysfunctional family. Her grandmother was involved in her upbringing. Little Oprah did not have the most necessary clothes and shoes. Thanks to her grandmother, Oprah learned to read and write very early, which later helped to discover her oratorical skills. She liked to speak in public, to preach the Bible.
• Even then, the girl knew who she wanted to be in the future. Due to the negligence of her mother, Oprah was bullied by her relatives. After going through rape, the girl could not stand it and ran away, after which she ended up in a shelter. Her father was the girl's salvation. It was he who instilled in her a love of learning and instilled in her the desire to grow and develop.
• Oprah's first job was on the radio. I had to combine study and work. In the future, she worked as a reporter and finally came to the profession of a TV presenter. The ratings of her program went through the roof. She was able to change the fate of many people. One of Oprah's quotes: « We are all responsible for ourselves, for our victories and our defeats.» .

• Sarah Jessica Parker was born in a large family. To get out of poverty and debt parents had to work hard. For non-payment of utilities, the family was repeatedly left without electricity. Each member of the family had a minimum set of clothes, which instilled in Jessica a desire to save money for life.
• Parents noticed Jessica's talent and encouraged her endeavors. Popularity to Sarah did not come immediately. Before becoming famous, she had to play many minor roles. Sarah did not stop at her acting career. She released a series of her perfumes, a line of clothes and accessories. On the example of Jessica, it is obvious that you need to have patience and not stop there.

• Vera Brezhneva was born into a low-income family. The girl had to look for sources of income to help feed her family. Vera combined work with study. She agreed to work as a waitress and a dishwasher. Brezhneva's modest clothes became an occasion for ridicule from classmates.
• On the way to her dream, the girls used every opportunity, participated in free clubs, and spoke at public events. A happy accident played a decisive role in the fate of the girl. The girls took place not only as a singer, but also tried herself as an actress. Desire and self-improvement helped the girl say goodbye to poverty.

How to get out of poverty and debt: the stories of ordinary people

Stories of ordinary people who got out of poverty:

• Vladimir, 42 years old: My childhood was spent in a large family with a small income. Our family's move to a new city created many new challenges. Our parents did not have enough money for our food. The father was the only breadwinner in the family and when he broke his leg, the mother had to collect bottles on the street.
• The desire to help my family motivated me to take action. The most important thing was to provide for my family. I went to Moscow to work get out of poverty and debt. Before I found a good job, I had to spend the night at the station. Today I have my own place and a good job. I provide for myself and help my family. I am not ashamed of my childhood. Thanks to the difficulties, I became stronger every day. We are building our own future!

• Tatyana, 36 years old: In my childhood, I had a beloved friend. We spent a lot of time at her house. Our families did not have extra money, so we were not spoiled. Sometimes it was embarrassing to go to school in old clothes.
• Today we both have matured and achieved a certain success, created our own families. Having visited my friend's parents recently, I was unpleasantly surprised. Nothing has changed in their apartment, the same old furniture and a very modest lifestyle. Once again I was convinced that everything is in the hands of man. Poverty is the choice of weak people. It is impossible to be inactive, one must always strive for a better life.

Video: Getting out of debt

When we talk about money, a lot of indignation is awakened. Like sex, this topic is taboo. We have many fears and complexes, experiences and beliefs...

When I talk to people, I overtly or covertly hear:

• Money is evil
• Money is dirt
• Asking for money is bad
• You can only earn by hard work.
• Only thieves get rich easily
• The rich are evil and unhappy
• Wealthy families are fragile

And this makes life very difficult for them. Because then life turns into running away from money. And it seems that I want my own house, to eat something, the dresses are beautiful. But the way they come to me - I consider dirty and unworthy. What will happen then? We all know this from experience. Money will become less and less. The salary will be miserable, it will be barely enough.

Because the Lord protects us and fulfills all our desires. If we tell him all the time that money is a terrible mess, he will help us keep it clean. True, this is unlikely to please us. And we will even consider that God is unfair - everything is for someone, but nothing for me ...

I once had the same beliefs about money. I always thought it was dirt. That rich people are evil, their families are falling apart. In my childhood, there was little money, I still remember how we bought vegetables by the piece. I didn't have a big closet full of clothes, lots of toys or sweets. But there were friends who had it all.

Their parents worked in more honorable positions, they grew up in complete families. Many other reasons why they had a lot of things in their lives that I didn't have. True, my mother and I often discussed the fact that the relationship in their families is not ideal. And better without money, but with fewer problems.

This is how my adult life unfolded. From the very beginning of family life, we experienced a shortage of funds. Often we lived in debt. There was never enough money. And the most promising projects failed miserably. Each time, hope turned into disappointment. And in the end we lost all our property.

The very first steps to prosperity that we took

stop stealing

This may come as a surprise to you, but we all steal. When we take stationery from work or print things we personally need on an office printer. When we find something - and do not return it to the owner. When we use someone else's intellectual property, we download movies from torrents or music from different sites. When we download free books or trainings that the author usually sells. In Russia, everyone steals - why am I worse? I used to think so too - and it was a period of constant black holes.

Theft comes from ignorance and scarcity. I don't have money to buy what I need - so I will steal. This is the fastest way to ruin.
We, for example, began to buy computer programs at one time and pay for them as much as they cost. Now we have licensed software on all computers. We respect those who create programs and help us in our work.

While in Russia, we buy movies on DVD and music on CD. And even with the teachers' lectures, they acted in a new way for us. We bought the maximum number of lecture discs so that the Teachers could expand their area of ​​influence. After all, with this money they will be able to read even more lectures!

Look for opportunities, not freebies

Freebies will make you poorer. Free - Bes pays. All those situations where the law of balance "Take" and "Give" are violated lead to the complication of all life. Anything you take for free and without effort is worth nothing. Such knowledge is not valued. Such things quickly break down and do not bring joy.

Sometimes we spend a lot of time trying to get something for free. It would be possible to direct the same efforts to earn the required amount. When we have some kind of training that we want to get into, we look for opportunities. Not a problem - why is it unrealistic. So it was in 2009 with. $1,000 ticket plus travel and lodging. But we made up our minds and said yes to it. A week before departure, the entire amount came (we just made an effort in the right direction). It was the same with the Psychology 3000 festival and other events. Everything lines up - when the vector is directed in the right direction.

Free is not appreciated. You will not apply what you have learned for free. There is no motivation from outside, only willpower remains - and we usually have it weak.

Change your attitude towards money

It's easier said than done. After all, you need to start not with meditation on a piece of paper - imagining how they fall from the sky. And with the attitude to those who already have money and wealth. Are you sure that all millionaires steal? That they are all dirty and terrible people? Unhappy and evil? It means that you do not know anything and do not want to know about this side of life. Read the book My Millionaire Neighbor and you will find out that most millionaires are modest and family people. They work hard and help others, do not boast of their millions. They have something to respect.

Money and wealth is not the goal of human life. This is a tool that will help a person to make more transformations in this world. In order to build a hospital or a temple, you need money. It takes money to feed the hungry. In order to teach children or even adopt them, you need money.

In our world, this is the tool with which you can change the life around. And in which direction - it is decided by the person who uses them. Like electricity, you can kill a person, or you can give light to thousands of homes. Like the Internet - you can sit on porn sites, or you can listen to Torsunov's lectures. Money has no color - we ourselves give it meaning by how we spend it.

The more people you help with money, the more money you will have. Checked.

Change your attitude towards paying for services - including your own

Recently, I often meet people who, referring to Eastern philosophy, say that a psychologist should work for donations. That asking for payment for your services is a sin. But this misses another - more important part. All scriptures say - Do not steal! At the same time, nowhere is it written: "Work for free." And the sin is not in asking for payment, but in not paying for the services of others.

Knowing this, a psychologist, teacher or doctor simply does not have the right to allow such a sin in his patient and client. And given our dissolute Kali Yuga mind, he himself must set the price for his services. Simply obliged. To help a person. And so that negative consequences do not catch up with him later.

If you provide services to others - feel free to set a price. One that will be comfortable for you.

Realize that money is the energy of God

When I fully understood and felt it, I felt better. They do not belong to me or to any other person. This is the energy of God - and he distributes it. By past merits or sins. According to today's desires and aspirations. In the Vedic tradition, money is called lakshmi. By the name of the Goddess of Prosperity, the wife of the Lord. Because this is her energy - and therefore the energy of God.

When we understand this, it is already easier to understand how and where to spend them. For the common good. For this, for example, a woman needs to eat delicious food and dress beautifully. Because in this way she becomes joyful - and can share this joy. A hungry woman in burlap will no longer bring others so much happiness and pleasure.

A home for a family is needed not only for simple living and enjoyment. But also then, to receive and feed guests in it. Learn to serve others.

A car is not only a way to get from point A to point B, but also an opportunity to help friends and family.

Of course, here, too, you need to know the measure - and be able to refuse, so that no calluses appear on the neck. This is already talking about self-esteem and personal boundaries.

With the help of money, start changing the world for the better

Then it turns out that vice is not wealth, but vice versa. A poor person cannot change anything in this world, he would have to survive on his own. And even his own survival falls on the shoulders of someone else. After all, the unemployed are paid benefits from those taxes that come to the treasury from those who work. Poor people need help and support - and it comes just from those who have money.

The question is where do we distribute them. Why do we earn them? How honest. And where do we spend it? If we do what we love with a soul and help people, there will be more money. I know carpenters, plumbers, bakers, seamstresses, doctors, psychologists, teachers who stand in line. They earn enough. And their products and work delight all customers - because they have a piece of the soul.

Businessmen who do charity work will definitely increase their wealth. After all, they are building a business not only for themselves!

Work on your family relationship with money

In my life, the debts ended after the placement on this topic - where there were quarrels over inheritance and housing, dispossession and much more. And the debt, the amount of which did not change for five years, evaporated in 3 months. This is a very big topic - how the fears of our ancestors set boundaries for us. We talked a little about this in the course about

In their times, people were killed, exiled, and imprisoned for wealth. Therefore, it was beneficial not to stick out, to work like everyone else and get the same amount. Many years have passed - and we continue to do the same - although in our time the principles are already different. And past installations are already very harmful.

Remove excessive anxiety and obsession with money

This is the other extreme - when we strive for them, we want to enjoy them. We see in each person only his wallet. We evaluate our victories by the size of our salary… We seem to appropriate the energy of God. We say it's our money. My. I need. I want. Me, me, mine!

With this approach, there is even less money, and with it, relationships are collapsing. We passed this stage when we were engaged in the development of the Internet portal. Over time, the motivation to help people changed to "pay the rent and buy food." Clearly aware of this, we decided to withdraw from this project - and thereby preserve our values. After this difficult decision, our income only increased, although nothing foreshadowed this.

To help people

Let this be your prime mover. Your main motivator. Then earning money will not be contrary to spirituality. On the contrary, they will finally come together and stop disturbing the mind with eternal conflict.

I wish you to get out of the vicious circle of the constant race for money! Better let them chase you (and this is inevitable when you help people!)