this post I suggested my friend Jaime (who is pure filth in his blog).
In December last year I was going to go on holiday in Algarrobo-alone, or if we are to rest, rest from everything and everyone, and I was preparing my reading material vacacionístico, when I run into some books Personal Finance coverings.
As I am open-mind-sworn, I thought I could filter the info between the joint and the financial organization.
Fortunately, I succeeded.
few months later I was signed to a montonera of personal finance blogs Latinos and Latino gurus like you copied the American Gurus, and then I started to find out about some names for real.
Here in Chile, the topic of personal finance has not even started.
If you're going to stand for 'Self Help and Business', it sounds awful, "is that there is a pretty miserable bunch of booklets. If there's
: Kiyosaki, complete works, which everybody I've read that it's a fiasco, "Dave Ramsey" The total money makeover "and" Save with the timing of Lent 'or something.
Taking this creepy, I liked my first time with the gurus out with Ramsey, which ultimately was the one who had read the good comments.
start reading the book and horn to get out of debt is like leaving the drug, and not so Ramsey read a not so the only way that 'you can do it' is or taking much faith, or having a lot of willpower, that the amount of biblical quotations in the book is remarkable.
In this case I have debts + trillion-dollar-wanted me to survive while doing web, "so either way, I bank the Biblical passages.
The summary of the book is as follows:
1 - As a long intro, the book shows that the issue of lucas is a matter of discipline, and that society has trained us to have no discipline. Ergo, we do not. Poorly distributed resources, spent on things that do not need and we feel compelled to 'want a Quarter Pounder with cheese NOW', 'a hipermegarchitrónico LCD NOW', 'a guayabera vacation in Rio NOW 'and not to wait, or save. Ergo, the accounts will go together and leaving a significant financial foxy.
2 - The book, or rather Ramsey, indicates 7 steps which can have "prosperity" economy, in order would be more or less like this:
1. Save a thousand dollars for emergencies -500 lucas, if. Every time the dollar is worth more mushroom.
2. Snowball Plan: In no more than 20 months away with all the debt you have.
3. Complete emergency fund in step 1. Fill it until it is obscene.
4. Investing in retirement savings.
5. Saving for children's education.
6. Home pay cash.
7. Savings and investments to avoid having to work.
Now, all that is not done in 20 months, clearly. You must be fucking years for this to work, if it works, the book shows success stories, but I have my apprehensions, I'm not either, Taruga.
to me what I marked was the subject of budget estimate-my new hobby, "for it before I went and bought what I wanted and put it down to the credit card or line of credit. For that was not so responsible, living with my parents.
Now that I do more. Are all my costs under control. "The other day I had to buy a cloth with a discount card to take important and almost puked.
I'm buying everything in cash and taking responsibility for my irresponsibility before, which is a paste árdua.O is, I do not want to spend my life having to pay bills for something I bought last month or last 10 months. I want things when I pucker and that does not affect me the pocket in the future. I want you to have money for everything and that the only way you get is saving.
As I said initially, this thing of monetary sphincter tone, or personal finance is in the Cretaceous in our country: We are all convinced.
It is a poor one asshole if you can not buy things here and now as manic, and when one says that has not been purchased TV that does not have enough money saved, you look as if they were saying that your mother harlot to buy cocaine.
Moreover, as people live to work-work-work-for-pay-what-you-must-renegotiate, we have not been a foxy suficientemte it great that this economy of pop shit and realize all we have been putting your finger in the ass at the point of interest and what we really need is financial education NOW.
I hope that when that happens I will already be in the Bahamas living on my income.
0 comments:
Post a Comment