If you live betting on the Mega Sena and praying to become a millionaire overnight, believe me – this is a dream of many other Americans. Many people believe that getting rich is only possible for those who have a good income. But the truth is that this is just a big myth and that there is no magic formula – control and organization can make you reach your first million.
The tip here is not to look for shortcuts that can lead you
to get rich, this will only delay you even more. With simple habits it is
possible to save money and make a fortune even earning little. We've put
together some tips that can help you get rich sooner than you expected.
Prepared? Come on?!
Take control of expenses
Well, the rule here is simple: make more money than you
spend. This is the only formula for accumulating wealth. Create a habit of
daily control over your money: what you are spending and what is expendable.
Here's a tip: have you heard of the 50/20/30 system? So, you can divide your
income into:
50%: essential expenses such as transport,
housing, education;
20%: those intended for 'life style', such as a bar on the
weekend, happy hour at work, gym;
30%: financial priorities. You know that overdue debt? It
should be your payment priority and should be paid off as soon as possible. But
if your finances are up to date, don't think that this 15% should be spent on
anything - they should compose a reserve, whether in some investment or to be
used in future emergencies.
Make smart investments
You don't need to be a big stock market investor to look
for a good financial investment, there are some excellent options on the market
that even start with investments of R$ 1.00. Savings may not be the best way to
invest these days, as yields are below inflation, but for those who want to
redeem in the short term, it is a good option. But think: if you want to get
rich, you have to think long term! The tip here is to save and invest properly.
Let's look at some options:
CDB (Bank Deposit Certificate)
Fixed income security issued by banks and yielding a
percentage of CDI. The advantage of this option is that it can earn more than
savings. The CDB has daily liquidity and the IR is regressive, that is, the
more time invested, the less tax you pay.
LCI (Mortgage Letters of Credit)
Fixed income securities issued by the bank for the purpose
of financing the real estate sector. The great advantage is that LCI is exempt
from IR, in addition, this option can yield more than 100% of the CDI,
depending on the type of bank. As liquidity is not daily, it is not possible to
redeem at any time – the ideal is to have a reserve in another investment that
you can use when needed.
Direct Treasure
These are government bonds issued to anyone who wants to
invest. The great advantage of Tesouro Direto is that, as it is a government
investment, the investor runs less risk when compared to banks. With R$ 100 it
is possible to start investing and already have an advantage over savings.
Treasury Selic and fixed post are among the most advantageous alternatives.
Look for new forms of income
If your income is not enough, why not look for new ways of
earning? In times of crisis, it is necessary to seek new horizons, or rather,
new sources of income. Don't be complacent and go after some freelance or even
turn a hobby into a profitable activity, such as cooking, sewing or painting.
But don't turn the idea of getting rich into an obsession, this goal must be
healthy and bring you pleasure - or else your efforts will be worthless.
Financial coaching can help you
Have you ever thought about seeking professional help to
better handle your finances? Well, the financial coaching professional can help
you from basic control, financial planning to people who want to become other
people's financial coaches. Financial Coach John Labunski can help you achieve the dream of getting rich
earning little !
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