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One of the things I have had to learn is to eliminate limiting ideas about money:
Understand that a budget is not restricted, it is a tool that rather gives us the power to decide what our priorities are and allows us to adapt our desires within it. It is very important to always keep our finances based on a budget, perhaps there will be times when expenses exceed it, especially when there are external factors that we cannot control, but it is a habit that we should not abandon.
We have to eliminate the concept that the economy is only for managers or wealthy people, the ideal is that we all have basic knowledge on the subject.
Understand that money is not little, nor limited, and that we can all get it and put it to work.
We must get rid of the idea that investing is risky, and think that we will lose everything, if it is necessary to study the possibilities very well, but nowadays there are investments that provide great security.
To have a healthy relationship with money it is very important to have in the first place a correct relationship with ourselves, many times we think that by obtaining large amounts of money we will achieve order in our life or that through it all our problems will be solved, and this is not entirely true, let's learn to give it its fair value, but understand that it is not the basis of everything good in our life. Let us always try to cultivate other areas.
It is important to allow ourselves to reflect on the current relationship we have with money, recognize what our consumption habits are and analyze in a personal way, the meaning of money, the type of life you want to live, where you want the money to go, the money you really need, the goals you have, and be clear about how much you really earn, answering these questions will facilitate understanding the relationship we have and the one we want to have, all are determining variables to achieve our goals and will help us to conduct our finances in a responsible manner.
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Planning is fundamental, we must begin by prioritizing our basic needs and fixed expenses, what we have to pay, house rent, school, food, transportation, among others. Then we must have a percentage for emergency expenses and savings. Once we have covered these aspects, we can have them for fun, they are luxuries that we give ourselves, it is also important to invest in things that make us feel good and that we enjoy, such as going to the movies or a restaurant. If it is possible we can include in our planning to invest in our personal development, such as courses, and we should not omit to include benefiting people who need it, even a member of our family.
