Banii – cateva consideratii – si ziua Internationala a Muncii Decente
“Banii sunt, scuzati-mi expresia, ca balegarul: trebuie imprastiati pentru a rodi.” Un citat interesant – auzit in filmul Hello Dolly despre care aminteam ieri.
Un citat care surprinde insa un element important legat de bani:
- diferentierea investitiilor: important este sa “nu iti tii toate ouale in acelasi cos”. Cand ajungi sa ai bani de investitii alege locuri diverse in care sa fie plasati banii, cu riscuri diferite asumate tocmai pentru ca in timp rezultatele sa fie bune si mai ales pentru ca daca se intampla ceva rau intr-un loc – din altele sa se compenseze. La fel nu dori sa te imbogatesti de azi pe maine.
Daca ar fi sa vorbesc despre bani, ar mai trebui sa aduc in atentie:
- planificarea: uneori multi cad in capcana: am facut rost de bani (exemplu o prima, o chestie facuta pe langa serviciu, o crestere de salariu) hai sa ii cheltui – si isi fac primul sau primele “mofturi”. Uneori este bine sa planifici actiunile financiare: sa stii ce iti doresti si cum poti face sa ajungi acolo. Spre exemplu: iti doresti o casa – si stii ca un avans de la banca iti e dat in baza platii unei parti din valoarea respectivei case: atunci incepi sa iti planifici actiunile financiare astfel incat sa ajungi sa obtii acel avans necesar obtinerii creditului, nu te duci sa iti iei cel mai nou laptop ori cea mai noua plasma, DVD player etc.
- cumpatare: deseori se spune ca exista posibilitatea de a veni si zile negre. Tocmai de aceeea trebuie mereu sa ai in vedere neprevazutul si in situatii de criza sa nu fii prins pe picior gresit. Nu trebuie sa te gandesti la ce este mai rau – si sa pui raul inainte, sa fii pesimist si sa il si atragi, dar o rezerva n-a stricat nimanui. Bani albi pentru zile negre.
- doreste-ti sa iti obtii libertate si independenta – nu doar a scapa de grija lui “de unde iau bani de mancare/rata maine”. Aici o sa dau niste citate: “Definitia prosperitatii este urmatoarea: «Numarul de zile in care poti supravietui fara sa depui o munca fizica (atat tu, cat si cei din familie), reusind in acelasi timp sa-ti mentii nivelul de trai.». (p.55) Ca atare se constata ca “Prosperitatea se masoara in timp, nu in bani. (p.55)” (din cartea Cadranul banilor)
Ca atare, doreste-ti sa ajungi prosper.
- in sfarsit, invata sa apreciezi: e foarte usor sa reusesti daca primesti bani de la mama sau de la tata care eventual iti deschid si o firma si prin relatiile lor iti aduc si clienti. Este mult mai greu sa ajungi sa te descurci pe picioarele tale. Dar ceea ce vei realiza tu insuti/insati – este foarte important si ofera satisfactii de nebanuit la inceput.
Evident ca nu este de dorit sa traiesti in saracie, sa pui totul “la saltea” si sa nu iti oferi un confort. Este important insa sa existe mereu o corelatie intre planuri (obiective) si masuri pentru implinirea lor. Randurile de mai sus nu sunt in niciun caz indemnuri sau reguli. Sunt simple observatii bazate pe experienta de pana acum.
Ca fapt divers insa, astazi pare a fi Ziua Internationala a Muncii Decente (via), concept despre care aflati mai multe din acest material.
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