Money is an important attribute of life. The influence of a person’s financial condition on the quality of his life is difficult to overestimate. Only saints don't need money. Therefore, most people sooner or later set themselves the task of learning to succeed in financial matters.
Definition of the concept
To get closer to a goal financially, a person must be aware of the meaning of money and understand the laws of its movement. Experts tested people's reactions in situations related to financial issues. The resulting behavioral scenarios are analyzed to identify key behavioral recommendations.
People usually refer to all their capital as money: credit cards and cash. Scientists have found that depending on the form of money, the attitude towards it changes.
The basics of money psychology consist of several principles:
- Money is energy that you need to be able to accept.
- An increase in capital should be accompanied by positive emotions. It is enough to understand that money means well-being, stability and freedom, which means you can only talk and think about it in a good way.
- The readiness for wealth must be absolute. You can’t just dream about a large sum without understanding what to do with it. A person must have a clear idea of where he will spend the wealth he receives.
- The fear of losing capital scares him away.
You need to love money and accept it correctly
Poor man's thinking
Just for fun
Shopping list for the entire amount
Irritation and envy
Time would quickly pass and rest.
A waste of your time
Depression, apathy, the end of everything
Rest is destructive
Destructive rest is unproductive, associated, for example, with alcohol abuse, rest that is harmful to health.
Yes, these are certain extremes, successful and rich people can also break down, but it doesn’t happen often and doesn’t last for long.
The fact that thinking changes can be noticed by the transition from one zone to another. Using such a table, it is convenient to track personal progress and deal with the question “which side is better?”
Wealth factors
Nature has given all people attention, memory, and thinking, but everyone’s material well-being is different. Scientists talk about several reasons for this phenomenon: firstly, the attitude towards wealth is based on habits, the influence of society and family. Secondly, the inner feeling of oneself - the less a person loves himself and values his professional qualities and skills, the less likely he is to ever get rich .
The following factors can affect your level of wealth:
- Attitudes towards money are formed in childhood based on the example of parents’ behavior. If mom and dad were big spenders and didn’t know how to save, the child most likely won’t be able to save anything either. Even with a good salary, a person has a subconscious goal of getting rid of banknotes, which is where thoughtless and unnecessary purchases come from.
- Possessing a large sum provokes different financial behavior. Some, having received a certain amount of money, begin to spend without measure, others try to save, going to extremes. The correct reaction to having an amount is to calmly and rationally think about what can be done to increase it or how to spend it profitably.
- Correct placement of life priorities . Those who put family first are unlikely to spend much on entertainment.
- Fear of leaving your comfort zone interferes with material well-being. Only those who are not afraid to change their lives get new chances to get rich.
- Psychologists say that the incorrect thinking of the poor , which is radically different from the thinking of the rich, prevents them from getting rich. Constant thoughts about the lack of money block the view of new prospects and resources.
- The means run out the moment the desire to achieve them stops.
It is important to properly manage unexpectedly received money
I highly recommend reading the book: My Neighbor is a Millionaire . Authors Thomas J. Stanley, Danko William.
Psychology of money in human life
To achieve financial prosperity, you need to turn to the psychology of money - a young direction in psychological science that studies the influence of attitudes about money on a person’s behavior and his relationships with other people.
Psychological and economic aspects of money
The economic aspect of money is that financial income is seen as the basis of purchasing power. They make various goods and services available to us. All economic theories are built on the basic assumption that people behave rationally with money, trying to maximize income.
However, psychological research demonstrates the widespread prevalence of irrational behavior regarding money. The way people earn money, borrow and lend it, spend it on gifts and charity, make and do not make financial savings, sometimes completely contradicts common sense.
The psychology of money classifies the following psychological effects as irrational behavioral patterns from the point of view of economic gain.
- Money illusion. People tend to attach more importance to the face value of money rather than its purchasing power.
- Money is considered a more valuable resource than goods of similar value, since money is the most liquid commodity.
- Silencing effect. Discussing income is considered rude because it threatens our self-esteem. According to psychoanalysts, their clients find it much easier to talk about sexual problems than about money.
- Money tension. Tension between people increases when it comes to financial issues.
- Money profanation. Monetary payment for labor demonstrates its quantitative assessment, which leads to the profanation of human relations. Therefore, for example, it is customary among relatives and friends to provide services to each other free of charge or to pay for them through barter.
- Lending effect. While borrowing money is frowned upon, lending, including in the form of grants, is approved.
So, even economists are forced to admit that the role of money is not limited to a simple medium of exchange. The consciousness of people endows banknotes with various symbolic content and power. And although most agree that money cannot buy true values, on a subconscious level people associate having money with the ability to satisfy needs for freedom, security or love. Many people believe that their failures in these areas are due to a lack of funds. As a result, the so-called thirst for money develops, inducing envy and greed in people.
Differences in the psychology of money between men and women
Gender influences the attitude towards money, others and oneself in connection with obtaining it. With the industrialization of society and the separation of the workplace and home, it was the activities of men performed in public places - in factories, workshops, offices - that began to be viewed as the sacred act of “earning our daily bread.” Despite the fact that a woman was an object of worship in the role of a caring wife and loving mother, the housework she performed was profaned and considered “unproductive,” banal, and without value.
A woman began to be treated exclusively as a consumer: the man “works” - the woman spends money “earned exclusively through his efforts.” In families that still maintain a patriarchal model of relationships, women often feel guilty about spending money. Moreover, if a husband has problems getting money, it is easier and safer for a woman to pretend to be a stupid spender than to let her husband feel his inadequacy as the family breadwinner. On the other hand, if a woman stubbornly refuses to accept the care and love of a man in monetary terms, then he may lose his motivation to earn money.
Laws of money
Each bill is the result of human activity, because money does not come from nowhere. But it’s not enough to earn good money, you need to know the laws of money.
- The law of rich thinking. Do not complain about the lack of funds, speak positively about your situation, and keep track of your money correctly.
- The love of wealth is a guarantee of its appearance. Thoughts are material, so those who think about the goal and do not give in to fears get what they want.
- The law of motion - money must constantly work. Greed will destroy capital, and the right investments will bring additional income.
- The law of ease - do not spare money spent on pleasure. Money should bring joy, only in this case it comes back.
- Law of goals. In business there must be a desire for development and new discoveries. You need to get satisfaction from your business, and the issue of profit should come second.
- Law of distribution. To avoid ending up in debt, part of the money should be used to increase capital.
By following these laws, you should not focus on earning capital. Money loves happy people - in addition to earning capital, you can focus on other goals, recharging yourself with positive energy.
Achilles' heel of the stronger sex
“Before 1985, we felt impotent: sometimes we couldn’t even buy the woman we loved an extra cup of coffee,” this is how a well-known domestic film producer defined the self-perception of Soviet men. The connection between money and sexual viability of the stronger sex is obvious. The most banal of schemes: a man who gets rich immediately becomes irresistibly attractive to ladies. The beauties who, like the heroine Marilyn Monroe from the movie “Gentlemen Prefer Blondes,” are ready to hit on a cute but decrepit millionaire are unlikely to ever disappear. The representatives of the stronger sex themselves also continually emphasize the parallel between financial wealth and their own masculinity.
It is well known: the more insecure a man feels, the more he tries to tie a woman to him with the help of money. Everyday family life provides many reasons to think about this connection. Let's say one of my friends gently sneers at her own husband's habit: every time after a delightful intimate encounter, he rakes out all the money in his wallet and gives it to her - they say, buy yourself something. What is behind these bouts of generosity: a desire to give back or uncertainty that everything went well? And the former friend of another friend, in particular, became an ex because, not being stingy, he simply did not consider it necessary to spend money on her. He declared deep feelings, but preferred to accept gifts himself. Perhaps he considered himself so irresistible that it simply never occurred to him to back up his intimate successes with material gifts? Or did such selective stinginess indicate his immaturity? Even an idealist deeply in love cannot help but ask herself such questions. Even a successful businesswoman, when choosing a life partner, is unlikely to feel completely free from the unwritten law: a man must earn money and provide for his family, otherwise he is not a man. While courting, he must give gifts.
After all, if a man is not able to earn his living, then even if he is the best lover in the world, he will still be treated with a tinge of disdain. He won't be respected. A man’s financial impotence mercilessly indicates that he is not able to take responsibility, cannot protect his loved ones and, therefore, it is hardly worth having children with him. However, everything is mixed up in our society, where qualified and gifted specialists are sometimes doomed to earn pennies, where the terrible choice - to remain faithful to one’s calling or to subordinate talent and life to making money - has crippled more than one man’s fate.
How to think to get rich
Thoughts attract their essence. To get rich, you need to learn to think correctly about capital and get rid of any negativity that is associated with money.
Basic principles of thinking of the rich:
- Bad habits attract bad luck, while good habits attract “alternative luck.”
- Rich people believe in equality of opportunity. They are confident that success can be achieved with their own talent and abilities.
- The right circle of communication is valued in a business environment. A wealthy person is unlikely to forget to congratulate a colleague or partner on his birthday, realizing that he needs a network of valuable contacts. New acquaintances and the impression he makes on people are important to him.
- Being rich doesn't always mean earning a lot. The ability to properly allocate the budget and save money plays a huge role.
- Only poor people believe in fate . This is a convenient position that frees you from taking decisive action to change your financial situation. A rich man is confident that his destiny is in his hands and success can only be achieved by putting effort into it.
- Wealthy people understand that intelligence is not always the key to success. Non-standard thinking and a creative approach are important in making money.
- A rich person is willing to take risks to increase his capital. Many large business owners have achieved success through harsh life lessons.
How to become a rich person?
Experts have long noted that vital aspects of our lives have a certain energy.
This aspect should never be underestimated. If a person weakly attracts energy, he may have difficulty achieving success in certain areas. This also applies to prosperity, wealth, which many strive for. Not everyone can achieve this goal.
- How are money blocks blocked?
- Why do people think like poor people?
- How exactly to attract money?
This problem is the subject of research by many scientists. It's no wonder that more and more manuals are appearing on bookstore shelves.
Another question is that for the most part, too much theoretical knowledge is presented on the pages, without any practical recommendations. The time has come to understand exactly how to get rich without participating in dubious enrichment transactions.
What to do to be rich
Each story of achieving financial independence is original, but there are several ways that will help anyone get rich.
One of these ways is to create passive income. This type of income does not prevent you from working, but allows you to earn additional income. Even a small amount of a few thousand rubles will not be superfluous. Passive income can be different:
- Receiving interest from a bank deposit or dividends from securities;
- Renting out housing;
- Creation of an advertising platform on the Internet;
- Distribution of network marketing products.
A good option for getting rich is your own business. Of course, starting a business usually requires capital, but there are methods of development without investment. For example, on the Internet you can start making money with your own mind. The field of activity here is unlimited - you can work either as a freelancer or as the owner of your own information business.
Intermediaries of financial transactions receive their commission, and this is also an opportunity to get rich. For example, a realtor with a good client base earns several thousand dollars a month.
Attitude to money
Experts consider 6 main levels of relationships with finances. Let's determine which of them you belong to?
Carelessness
Individuals of this level are not able to earn, save, make reasonable investments and, in general, navigate prices. They sometimes resemble irresponsible children who do not understand what kind of instrument this is and what it is really needed for.
They received their salary and immediately let it go for joy. They say about such people that their money flies away left and right.
Most often, they manage to find themselves next to those who know how to manage finances and think through their every step. We are talking about gigolos and kept women; sometimes individuals without a fixed place of residence and the so-called “blondes” fall into this category.
To become a little more serious, only a difficult life situation will help to change, then a person seems to “sober up” and begins to appreciate the means by which one can cope with it.
Fetish
In this case, money is the meaning of a person’s life. He is ready to go to great lengths for their sake, and, to put it mildly, does not like those who have good capital. Moreover, if they do not have to make sacrifices, and wealth seems to be organized on its own, without any effort.
Considering that pieces of paper are in fact more valuable than relatives and loved ones, such a person gets married, divorced and does everything for the sake of enrichment.
Why is she quite lonely and still unsatisfied. After all, as you know, the feeling of happiness, fullness and other emotions cannot be bought; they arise as a reaction to various events.
Bonus
Successful people are at this level. They work with pleasure and receive, so to speak, bonuses in return.
Most often these are entrepreneurs seeking development and well-being. They have a lot of ideas, opportunities and social connections, thanks to which they climb the career ladder so easily.
They have no prejudices or negative attitudes regarding finances. On the contrary, money is a way to ensure comfort and a high quality of life. With such an attitude, it is not surprising that they fall into their hands so quickly.
Tool
Representatives of this level strive to realize their ideas, and without capital this is not so easy. Accordingly, they view pieces of paper that are so valuable to many only as a tool through which they can achieve success and recognition.
Income is usually completely unstable. One day the pockets are empty, and the next day something happens and there are already millions in the account.
They are practical and love to invest in business, believing that successful investments will help them gain not only stability, but also the desired wealth.
Creation
Individuals with a creative approach usually do not live in poverty, but they do not strive to earn a lot. More precisely, financial well-being is not at the top of their list of life priorities.
They simply create, and money is a pleasant side effect of their efforts. This category includes artists, poets, writers and inventors.
Empty place
Yes, there are people who absolutely do not care whether their wallets are full or not. They live off alms, as they say, as much as God sends, they are happy about it. Or they do not work for a regular salary, but provide services in exchange for food, shelter, and so on.
They endure difficulties steadfastly, are ascetic by nature and value, first of all, other people, nature, in general, anything but material things.
Useful habits of rich people
The psychology of money talks about the importance of habits that help you get rich. The habits of the rich and the poor have serious differences.
Habits of poor and rich people.
Money needs to be loved
No matter how cynical it may sound, you have to love money! The thought that money is evil never arises in the head of a successful person. Such people are always open to cash flow, they accept money with pleasure, but also part with it easily, without regret. They know that they will soon receive more than they spent.
Another wrong thought that scares away prosperity is that only the heirs of wealthy parents or crime bosses can earn a lot of capital, but this is impossible in an honest way. Money does not forgive negative thoughts about yourself. They come only to those who love them and are glad to meet them.
Negative and negative statements about money
Disrespectful thoughts about money usually come with negative thoughts. A person complains about a lack of finances in the house, about the inability to earn money honestly, etc. In addition, negative statements about money can provoke envy of other people's financial well-being. This feeling delays development, so you definitely need to get rid of it.
Returning again to the fact that thoughts are material, it should be noted that when talking about money there are certain phrases that are best not uttered under any circumstances. You shouldn’t say “I don’t have money,” especially if it’s not true. Such an excuse can lead to financial losses and certainly will not help you get rich.
Greed and saving on people
It is necessary to get rid of the fanatical attitude towards capital. Money should not be allowed to control a person. Such people lose their positive moral qualities and “go over the heads” of other people. But you can become truly rich only through honest work.
For example, a seller in a store charges each customer 10 rubles. It would seem that for the visitor the amount is unnoticeable, but for her it is an opportunity to earn extra money. But this doesn’t make the seller any richer; he continues to work for 20 years in the same store, deceiving people. And the seller from the neighboring stall quit a few years ago and opened his own business. Maybe this is because he is unfamiliar with the feeling of greed?
Saving on yourself
This is also not the best way to preserve and increase capital. Money comes to those to whom it brings satisfaction and happiness. When you deny yourself what you want or need at the moment, a person disrupts the financial flow that he had established.
The message goes out into the universe that he does not need finances for himself. The energy of refusal scares away money; it can go to a person who will appreciate it and please himself. This may cause a decrease in salary, unexpected expenses or theft of funds.
Fear of running out of money
It is the fear of being left without money that leads to real lack of money for a person. For example, during an interview, a candidate is silent about the salary level he deserves for fear that he will be rejected. As a result, he is hired, but the pay is much less than he expected. Peniaphobia kills the desire for career growth, to change the situation for the better.
Rich people are not free from the fear of losing capital, they know how to manage it, transforming it into caution. In order not to be afraid of losing all their savings, they make deposits in different banks or invest those amounts, the investment of which is not critical for the rest of the capital.
To get rid of this phobia, there is a simple exercise. On paper you need to write “I am left without money.” And under this phrase are all the consequences of this situation - poor nutrition, old clothes, giving up a car, etc. Among these points, you need to choose the most significant ones and think about how you can get out of these situations. Now, in case of loss of money, you will have a clear action plan at hand.
Ambiguity of purpose
Each person should understand exactly what he wants to spend money on. To do this, you should make a list with purchases or reasons to save money. If you add up all the points, you get the amount you need to earn. By setting this exact amount of money as a goal, a person can easily earn it.
Count your money
There is always money in the bank because it is constantly being counted there. It is advisable to store savings in one place, then this place will become a magnet for attracting money. It’s better to stack the banknotes according to the watermarks, one next to the other. And constantly recalculate your capital!
Using the above recommendations you can really achieve material well-being. It is noteworthy that these rules work in the economies of entire states. Like any energy, money must be in constant motion, then its quantity will grow.
Psychology of wealth and reality transfer
Transurfing reality involves changes in life through a change in thinking. According to the transurfing technique, money is attracted into life gradually, with active growth; you just need to follow certain rules.
Getting rid of negative attitudes
All formulations similar to “you can’t earn money honestly”, “a hobby is not a job”, “business for a select few” and so on.
Every person deserves to earn good money and do what they love.
Money is not the goal
The author of the technique, Vadim Zeland, writes that money is an attribute of a goal, not a goal. You need to set yourself material goals, not digital ones.
Enter the increased comfort zone
Reality Transurfing suggests taking it up a notch to try it out. The ideal attempt is to go for a test drive of your dream car.
It may seem like it costs a lot of money, but it only seems so. Luxury needs to be felt and let the universe know that you are ready for it.
Exercises are not only for the mind
Zealand advises activating the body. Exercise for the body, proper relaxation, all this makes it possible to activate the brain with the help of the body.
During physical activity, a special energy is produced that enhances all beneficial human actions.
Energy of money and rituals
Money is also energy. They don’t disappear anywhere, they just move from one wallet to another.
By attracting positive energy and positivity towards money into our lives, we can radically change the amount of money in our wallet. Many rich people write about this.
We recommend reading the book “Think Like a Millionaire” by Harv Eker
Many of us often say the phrase: “No money” or “Not enough money.” This negative attitude. It is worth changing your thinking and you can start with positive attitudes.
As an example:
- I attract abundance into my life
- I have enough money in my life
- Money comes to me from different sources
Everyone has their own affirmations.
Money, however, like all other things, loves order. And in relation to them there are some “rituals” that we try to adhere to:
- Money loves counting
- Keep the money in your wallet clean and uncrumpled
- Place money in your wallet according to its denomination
- Don’t spend all the money in your wallet until the last minute, there should be an emergency reserve
“Money leads to money”, no wonder they say so! And this applies to the energy of money. Share your money rituals with us!
Neuro-linguistic programming of poverty
But it is not only the psychological attitudes described above that push a person into the arms of poverty. According to experts, even certain words and phrases that he constantly pronounces contribute to this.
For example, the favorite expression of the poor is: “It’s too expensive, we can’t afford it.” Such a phrase is pronounced, as a rule, with an air of offended greatness and betrays hidden, malicious envy. They say, how can we, the poor and the poor, compete with the successful and wealthy.
Another favorite phrase of the poor is: “I have no money.” You can also add to this list:
- “I can’t afford it”
- “I won’t succeed”
- “I can’t” and so on in the same spirit.
Meanwhile, as we know, words have the ability to materialize. When a person utters such expressions, he unwittingly programs himself for a miserable existence (see “10 secrets of wealth that are not written about in books”).
Mindset
Psychologists are unanimous in their conclusion: the main thing that distinguishes the rich from the poor is their way of thinking. In particular, the poor do not know how to build relationships with money and treat it incorrectly.
And, as all the same experts in the field of psychology believe, parents are to blame for this. They themselves did not know how to manage money and did not teach their children. It’s even worse if they instilled a negative attitude towards material well-being as something shameful and even sinful.
The special worldview of the poor is also manifested in the fact that they do not want to take responsibility for themselves, for their lives, for their future. They are accustomed to the fact that someone else is responsible for their well-being - the state in the person of the plant director or the owner of a private company. And note, people with the psychology of poverty are not used to and do not like to earn money. They prefer gifts, handouts, freebies.
