Consider your money as the “doorway to the Future” in which you want to find yourself. And to make this desired Future come as soon as possible, use the tips below. They are guaranteed to make you life is more successful, calm and filled with money. So, meet Five tips on how to fight and overcome your problems with money: 1) Be honest with yourself You already have enough “material” things - your closets, mezzanines are probably filled to capacity with them, apartment, garage and dacha. Maybe there are already too many of them? And it’s time, at least for a while, to stop your non-stop shopping. 2) Put into practice your knowledge of mathematics Every day, add up in your mind the amounts that you spent. You had lunch, went to the store, filled the tank with gasoline, etc. Get used to counting your money. They are yours and yours alone. Therefore, do not rush to (thoughtlessly) get rid of them. And one more thing - get used to “paying yourself first.” I hope you understand what this phrase means? 3) Recognize the downsides of using credit cards Yes, they can earn points, miles and discounts. And, I must admit, this is always very pleasant. But with increased spending, you run the risk of “overshooting” the free grace period and starting to pay 25% for using the loan. This is the highest rate of all types of loans. Except, of course, for the extortionate interest on payday loans. 4) Prefer to have money in investments rather than spend it on things Instead of buying yourself more and more “toys” and all kinds of junk, decide to gradually build up a large investment capital .Focus on regularly acquiring “income-earning assets” and financial instruments. Allocate, say, 10-20% of every salary you receive to this. 5) Protect yourself from “what if something happens” Money gives us an amazing sense of financial security, serene security and calm confidence in the future. On an everyday level We constantly worry about the possibility of losing our job (being fired), unexpectedly breaking down our car or having a leak in our apartment, having serious health problems, etc. unpleasant "surprises". Which will immediately hit the family budget very painfully. A “financial cushion” will insure you in this case, and monthly investments and the purchase of “income-earning assets” will make your family very rich. Additionally: Read my other article “Where NOT to invest money? TOP 3 most dangerous places for your money." I will be grateful for your likes and reposts of this article. Author of the article - Alexander Evstegneev, personal finance expert, author of 20 books on financial literacy, investor with 25 years of experience, laureate of the Russian Ministry of Finance Prize for the best media project on financial literacy