Unified State Exam
How to get out of poverty and debt: advice, stories of celebrities and ordinary people who overcame poverty. How we got out of poverty and changed our lives How to start earning money: the main reasons for failure

How to get out of poverty and debt: advice, stories of celebrities and ordinary people who overcame poverty. How we got out of poverty and changed our lives How to start earning money: the main reasons for failure

If you grew up in a low-income family, you immediately inherit several habits that will be very difficult for you to get rid of. Even if you improve your financial situation, these habits will bring you unnecessary stress, nerves, and will even “steal” your money. If you have not yet achieved wealth, but are working hard in this direction, then you should also think about how to get rid of thinking. Because thinking determines our material condition, and not vice versa, and by learning to think differently, we will create a favorable atmosphere for achieving success.

« Until recently I was very poor. In the first 18 years of my life I was a child and simply could not do anything about it, for the next 17 years I was still a child and no longer wanted to do anything about it. I'm not complaining and I don't want to blame anyone, I chose my own path.

But several amazing events happened, one of which was receiving great job, and one day I discovered that I was living the life that I thought a “normal” person should live. My bills were paid, the refrigerator was full of food, and in the courtyard there were two gilded statues of me naked.

But, like anyone who has lived in poverty, I can tell you, it changes a person. And these habits remain with you even when you no longer need to fight for your place in the sun.”

Bad food habit

When you're poor

You buy food based on two principles:

1. How long does it last?

2. How cheap is it?

This way you can only buy bad food. To save time and money, you go to the store once a month or a week.

Vegetables are taken frozen, since they can be thrown into the freezer and not worry about their safety. Fruits in syrup are much cheaper than fresh ones. Children don't know the taste of real food because they eat canned food too often.

In fact, half of all this food can be burned without regret.

But then one day you got rich

We have already said that children raised on canned foods will not be able to understand the taste of real food. It will seem wrong. These are completely different beans, different milk, and a completely different cheese. This list can be continued indefinitely.

Some people like to point at overweight, low-income citizens and exclaim: “Ha! It doesn’t look like they’re starving at all!” And they are unaware that it is poor quality food that provokes problems with excess weight.

If once you have money, you can afford to buy fresh food regularly and you even have time to cook it, your taste buds simply will not accept this food. You'll have to get used to it.

At first you will look at, say, asparagus in bewilderment: what is it? Is it to cook? Is this even edible? Or is it for external use?

There is a temptation to continue eating like this, it’s more convenient and easier.

The habit of immediately spending “extra” money

When you're poor

Let's say you received some kind of bonus, or someone sent you a fairly large amount as a gift, or you worked part-time somewhere, in general, you had a fairly large amount of money in your hands. And you want to spend everything immediately. Let's update the kitchen set, or maybe buy a new TV, or finally replace the sofa...

But if you leave this money, you can pay for the apartment for several months. However, you will fall into a panic state: no, now, immediately, immediately! You have denied yourself everything for so long that you want to get everything at once, and not think about the future.

But then one day you got rich

Have you heard the story about someone who became a millionaire by unexpectedly winning money in the lottery, and then went bankrupt within a very short time? This is because they cannot get rid of this habit of poverty, the idea that money is a perishable product and they need to spend it all urgently.

Of course, impulsive spending still occurs, but when you have enough money, you can manage it wisely and leave some for unexpected expenses. Let's say your car breaks down, and you can have it repaired without borrowing money from friends.

Those who have achieved financial well-being have to learn to get rid of “money panic” and manage money in a new way.

This is an interesting story: if you have been a fairly wealthy person since your youth, then you and your capital are only growing, and if you are always at zero, then it would seem that you should be able to manage money, but in reality it turns out that this is not So.

The habit of compensating for savings with gifts

When you're poor

You are unlikely to receive many gifts, and the ones you receive are rather mediocre, just like those you give yourself. And you don’t even care about all these “wonderful and magical holidays”, and you don’t need any gifts. It's another matter with a child. Children love gifts, and they are not materialistic, no, it is normal for a child to love gifts.

Dear parents, under no circumstances discuss financial problems in front of your children. Especially in the spirit: “Let’s buy him this expensive car now, and then he won’t have anything to eat!” Children worry, they begin to make sacrifices in the name of the well-being of the family and feel guilty for those small material joys that sometimes fall to them.

When our financial situation improved a little, the children and I went to the store, and I invited them to choose new bedspreads for their beds. Their old ones were already very shabby and ugly. My oldest son looked around for a few seconds and then said, “Thanks, Dad! But I don't really need it." At that moment, it became obvious to me how sensitively children feel the financial problems of the family. They are nervous. Although in reality, they shouldn’t worry about money, because they won’t be able to help you anyway!

When you have to deny something to your children, you already feel terribly guilty, and as soon as you have extra money, you try to compensate for this.

But then one day you got rich

When you go shopping for holiday gifts, you'll end up buying twice as much as you would have. normal person. And then you go out into the street, look at the packages, but this will not seem enough to you, and you will also pop into the next store to buy something else.

And then, having arrived home and laid out the gifts, you will think that this is it, and the next day you will go shopping again.

You are trying to make up for the days when you had to save. If you're not buying gifts, then perhaps you replaced all the furniture in the house, or bought designer clothes, or bought a car that you couldn't really afford on your current income. It’s like you’re laughing in the face of former poverty: “Hey! I saw it! You are no more!

But be careful, it’s easy to forget yourself and end up back at the edge.

The habit of behaving like an obsessed accountant

When you're poor

You always know exactly how much money you have in your wallet or bank account. You cannot say: “I have about 3 thousand rubles on my card.” You know that you have 2860 rubles on your card.

You need to know the exact numbers so that you can constantly calculate in your head whether you can buy this thing now and not fall behind on your rent payments, and make it to your next paycheck without debt.

When paying bills for water and electricity, you calculate everything thoroughly. This is similar to an algebraic balancing act: “So, now I will pay 3540 rubles, then next month I can pay 2350...”

But then one day you got rich

The wonderful time has come when you don’t have to calculate everything to the nearest ruble. You find yourself in a magical land where you can easily round up the amount in your account, but you will still frequently check your bank card to find out EXACTLY how much money is on it.

You will not be able to get rid of this habit for a very long time and will check your card with the tenacity of a maniac. You are constantly under stress and it wears you out.

The habit of buying only what you need right now

When you're poor

You buy only what you really need, no more. If you buy 8 rolls of toilet paper instead of one, then in the end you will win in price, but one roll will only last you for a week. You seem to understand that by buying 8 rolls you will save, but on the other hand, you see two prices, one of which is 4 times more, and you don’t dare make such expenses at this particular moment.

Same with clothes. Let's say in the summer you saw a wonderful winter jacket. You really like it, and your last year’s one is already pretty worn out. In addition, due to seasonal changes, the jacket costs twice as much as its original price. You understand perfectly well that by winter the same model will increase in price again, and it is much more profitable to buy it right now. However, even if you have a little “extra” money, you won’t be able to spend it right now. Winter is far away, why buy a warm jacket in summer?..

If your family has always been poor, then as a child you most likely wore clothes for older brothers and sisters, or other relatives. Rarely did you go to the store to buy new things. And it became a holiday! But, of course, only what was absolutely necessary was bought. Most likely you were unfamiliar with the concept: “I want to buy these jeans simply because I like them. Despite the fact that I already have 2 pairs.”

But then one day you got rich

There is money, but the habit remains again. No, your children are dressed to their best, and you, of course, will not refuse them if they just ask for something. But for yourself you will always feel sorry: these trousers seem okay, why buy another one?

If you nevertheless came to the store with the purpose of making a purchase, then the annoying mosquito will squeak in your head: “Hey! Well, why do you need this thing? Do you have enough of them? Why these extra expenses?..” It’s safe to say that you will leave the store without purchasing anything and in a disgusting mood. When your trousers become unusable, you will buy the first thing that comes to hand, and not at the best price.

And by the way, you will continue to buy 1 bottle of shampoo instead of a pack of 3.

Start challenging some of these habits now. It is clear that you will not be able to change everything at once due to both moral and material factors, but try to at least plan your expenses based on the principles of saving, which is typical for wealthier people. You may soon find that you spend less money and become a more successful and confident person. Such people always attract success. And when prosperity comes to you, it will be easier for you to learn how to manage your well-being and you will not return again to where you started your journey.

« Until recently I was very poor. In the first 18 years of my life I was a child and simply could not do anything about it, for the next 17 years I was still a child and no longer wanted to do anything about it. I'm not complaining and I don't want to blame anyone, I chose my own path.

But several amazing things happened, one of which was getting a great job, and one day I found myself living the kind of life I thought a “normal” person should live. My bills were paid, the refrigerator was full of food, and in the courtyard there were two gilded statues of me naked.

But, like anyone who has lived in poverty, I can tell you, it changes a person. And these habits remain with you even when you no longer need to fight for your place in the sun.”

Bad food habit

When you're poor

You buy food based on two principles:

1. How long does it last?

2. How cheap is it?

This way you can only buy bad food. To save time and money, you go to the store once a month or a week.

In fact, half of all this food can be burned without regret.

But then one day you got rich

If once you have money, you can afford to buy fresh food regularly and you even have time to cook it, your taste buds simply will not accept this food. You'll have to get used to it.

At first you will look at, say, asparagus in bewilderment: what is it? Is it to cook? Is this even edible? Or is it for external use?

There is a temptation to continue eating like this, it’s more convenient and easier.

The habit of immediately spending “extra” money

When you're poor

But then one day you got rich

Those who have achieved financial well-being have to learn to get rid of “money panic” and manage money in a new way.

The habit of compensating for savings with gifts

When you're poor

When our financial situation improved a little, the children and I went to the store, and I invited them to choose new bedspreads for their beds. Their old ones were already very shabby and ugly. My oldest son looked around for a few seconds and then said, “Thanks, Dad! But I don't really need it." At that moment, it became obvious to me how sensitively children feel the financial problems of the family. They are nervous. Although in reality, they shouldn’t worry about money, because they won’t be able to help you anyway!

When you have to deny something to your children, you already feel terribly guilty, and as soon as you have extra money, you try to compensate for this.

But then one day you got rich

When you go shopping for holiday gifts, you will buy twice what a normal person would buy. And then you go out into the street, look at the packages, but this will not seem enough to you, and you will also pop into the next store to buy something else.

And then, having arrived home and laid out the gifts, you will think that this is it, and the next day you will go shopping again.

But be careful, it’s easy to forget yourself and end up back at the edge.

The habit of behaving like an obsessed accountant

When you're poor

You always know exactly how much money you have in your wallet or bank account. You cannot say: “I have about 3 thousand rubles on my card.” You know that you have 2860 rubles on your card.

But then one day you got rich

You will not be able to get rid of this habit for a very long time and will check your card with the tenacity of a maniac. You are constantly under stress and it wears you out.

The habit of buying only what you need right now

When you're poor

But then one day you got rich

And by the way, you will continue to buy 1 bottle of shampoo instead of a pack of 3.

Financial problems can greatly ruin our lives. Unfortunately, sometimes even hard work and good job do not allow us to improve our financial situation. You can learn about ways to get rid of lack of money, debt and bad luck right now.

Reasons for lack of money

Negative emotions. Sources negative emotions there can be a lot. These include constant worry about your financial situation or low income. Negative emotions block money luck: until you get rid of them, money problems will haunt you constantly.

No recoil. If you want to receive something, it is necessary that there be a return on your part. If you want to get rid of debts and financial problems, as well as increase your income, you should at least sometimes help other people, do charity work, and most importantly, get rid of such a negative quality as greed.

Bad energy. To make money, you need to work hard on yourself. Bad energy indicates that a person is very pessimistic and has predominantly negative traits character, and also rarely does good deeds. In this case, money will bypass him.

No action. If you dream of becoming richer, this does not mean that you are doing everything to fulfill your dream. Your desires must be supported by actions, otherwise they will remain unfulfilled. Sitting still, it will be impossible to earn even a little money.

Method one - money ritual

At all times, people have used rituals to attract what they want. With a simple money ritual, you can increase your income in the near future.

The main attribute of this ritual is a new wallet, because cash flows should be directed exactly to where you are going to store your money.

In the evening, when the rest of the household goes to bed, take out a new wallet and place it in front of you. Then light a green candle and stare at the fire for a few minutes, imagining how you fill your wallet with large bills. Then say:

“Let the candle burn my debts with its flame. May monetary luck bring me wealth and success.”

Wait until the candle burns out, and then transfer all your money from the old wallet to the new one. The next day, try not to spend money to speed up the results of the money ritual.

Method two - change your attitude towards money

It seems to many that money does not feel how a person treats it. In fact, their energy is very receptive. Unnecessary spending can leave you constantly short of finances, even if your monthly salary allows you to live comfortably. The same applies to excessive saving and stinginess, when a person is ready to deny himself any pleasure just to save an extra penny. If you are a spendthrift or frugal person, you will not be able to attract financial success until you learn how to handle money correctly.

First of all, do not try to save on everything and purchase goods only at discounts. You put a lot of effort into earning money, so you deserve to spend it. Also, try to buy things that will bring you benefit or joy, and not those that will just gather dust on your shelf. Useless purchases show your disrespect for money and scare money luck away from you. Learn to control your spending and don’t skimp on everything, then it will be much easier to get rich and get rid of debts and failures.

Method Three - Feng Shui Principles

In order for cash flows to be directed into your home, it is necessary to create favorable energy. If you follow the principles of Feng Shui, you can do this very quickly.

First, do some general cleaning and get rid of garbage, dirt, as well as broken and old things with which you have bad memories. However, cleaning is only the beginning of the money ritual, since after that you will have to make some changes to the interior of your home. First, buy a Crassula, or money tree, which will attract money and prosperity into your home. Then repair all the leaking faucets in the house so that your finances do not leak away from you. In order for money, on the contrary, to flow into your home along with water, you should purchase a fountain or an aquarium, where a goldfish must be present. If you have thorny plants like cactus in your home, we recommend that you remove them from the room where you spend the most time. Needles absorb negativity and repel financial luck. In addition, you must have red or green objects in your apartment, as these colors accelerate the circulation of positive energy.

Some people are wealthy from birth, others know how to make money and increase their income, but there are also a type of people who are not destined to get rich. If you are one of the latter, learn how to defy fate and gain wealth. We wish you success and prosperity, and don't forget to press the buttons and

I stutter, stuttering can probably be said to have ruined the life I had at that moment.
There was no girl, and in principle, I never really wanted one. I have friends who are obsessed with girls, I don’t understand it.
I had a girlfriend 1-2 but there was no serious relationship.
At school no one teased me because I was athletic, and no one insulted me or made jokes.
In college, I endured for 1 month, after that I lashed out at one guy who was yelling at me, beat him up in front of my classmates and my supervisor, after that no one made any noise in my direction.
The problem is that I'm tired of living in poverty.
I live in a dormitory, not in a classroom, as everyone is used to thinking. that there are only dormitories for students, there are also family-type dormitories.
Where out of 10 rooms on the floor, families live, in each room there are 3-4 people. On the floor there is 1 bathroom, shared toilet and kitchen.
Not only are the conditions brutal, but there is also poverty. We live in 4 rooms in one dorm room of 15 sq. m. for 20,000 rubles per month.
I eat for about 4,000 rubles a month, maybe even less.
My mother is depressed. a very closed person, like a pillar, you can’t talk to her about anything.
She doesn’t want to work because she says:
I have 8 years left until retirement.
We are supported by our drunken stepfather, who got drunk a hundred times and her salary was taken by men from his work, then they borrowed money from his parents.
plus a son was born from him. At 4, we live in one room, and it is filled with closets, which narrows the space to 10 sq. m.
They wouldn’t hire me wherever I went, I think they didn’t like my stutter.
That is, I had no money at all. I recently worked part-time, 10,000 rubles, I want to extend it for 3 months.
No friends, no girlfriend, no job, just obsessive thoughts and obsessive feelings.
In principle, I think so, I don’t need a girl, and I don’t need friends. But extremely rarely, maybe once every 2-3 months, I get the feeling that I really want to be with someone, but it is so insignificant that the next day I already forget about it.
I'm tired of loneliness, but even more tired of hating people.
when I see their distorted faces looking in my direction I want to puke.
I thought about suicide in January 2011, but the thought of my parents stopped me, how would they live after this?
so this is not my first day.
For 5 years already, during this path, I was going crazy, there were isolated cases when I couldn’t control myself, and I hated everyone and everything.
But then it passed.
I took a test for schizophrenia, the norm was from 15 to 65, I scored 49.
They wrote to me that this is the norm, but also that I am stressed and very tired from everything.
If I could, I would leave everyone I know for 2-3 months to rest.
I'm tired of poverty and loneliness, but at the same time I don't care, what should I do?
Support the site:

Jisny cook, age: 21 / 04/27/2016

Responses:

Hello.
It seems to me that you should not give up and continue looking for work. At first, even as a cleaner. Stuttering is actually very cute. As a person who himself lived in poverty, I understand you, once upon a time I did. how you wanted to just evaporate. But I didn’t give up and continued to look for work, it was hard. I started as a cleaner. While working as a cleaner, she continued to look for a better job. Your loneliness is temporary, find friends on social media. Networks, even from another country. Mom is depressed because she feels bad too. Go with her to a psychologist, and it will help you and your mother. You can do it, I'm sure.
I keep my fingers crossed for you. You can and will overcome anything. I will pray for you

Julia, age: 16 / 04/27/2016

Hello. External living conditions play a huge role in our state, but in addition to this, our internal state also plays an important role. And this very internal state can have a decisive impact on external factors. So in your case, a very effective way to restore order within yourself will be. If this is hatred, then you need to get rid of it, say in the gym or on the street doing shadow boxing or punching a punching bag in the gym, if you hate someone specific or a number of people, you can write letters of gratitude - how to do it. Thank you letters are best written by hand. Those. Write an example: part 1 - you are so and so, you bastard, I am suffering so much because of you. Part 2 - but still, I’m grateful to you, I’ve grown stronger, I’ve become more confident thanks to you. Part 3 - conclusion, even though you messed me up, our relationship still had some important meaning for both of us. So, part 1 - what you hate, don’t like, part 2 - what you are grateful for. Part 3 - conclusion. When freeing yourself from hatred and negativity, you always need to form an alternative to it within yourself. An alternative could be gratitude, kindness to people, some favorite activity, i.e. something that will create such a state of mind in your life that you will not only not want to die, but will deeply love your life. To do this, develop gratitude, hope, love, faith, and calmness within yourself. Look for different new ways to develop them, but of course everything is good in moderation. Music has a very healing power in our lives, think about what you are listening to, maybe it’s worth replacing some heavy rock or rap with versions of calmer classical music or energizing chanson. The music we listen to is not only able to reflect our attitude towards the world, it is also capable of adjusting, changing our mood, it is capable of creating some new signals in our soul, music is the greatest source of energy, you just need to know how to use it correctly. All the best!

den777, age: 25 / 04/27/2016

Hello! There are now medications for stuttering. Consult a doctor, chat on forums about this problem, maybe they will give you good advice. And of course, look for a job, if you’ve already hired a drunken stepfather, then you have good chances.

Irina, age: 28 / 04/27/2016

Hello! Reading your post, I didn’t see either a schizophrenic or a psychopath, but I saw a fighter! Despite your stuttering, which I consider your feature and not a defect, you graduated from school, went in for sports, graduated from college, go out and look for work, and don’t sit at home... Yes, of course, you live in cramped conditions with your parents and brother and you’re tired of everything, but you don’t drink with your stepfather, you haven’t sunk to the bottom (after all, this is the very last thing), you are patient - these are all very valuable qualities in a person! I don’t know your attitude towards the Church, but try to look for communication with believers... True believers bring warmth, support, help, God’s love, the church helps many people in need, there are youth communication, try to find such communication, I hope it will be for you a way out of your hopelessness and loneliness! And remember: we are never alone, because our Almighty Lord Jesus Christ is with us and He takes care of us every moment, we just don’t realize it... I wish you to find a way out and true happiness! God's blessings, N.

natagabriel, age: 35 / 04/27/2016

Hello!
We definitely need to move! Then it will be easier to restore peace of mind. Rent a room in an apartment without owners. Mostly young people and students shoot this way. But to do this, of course, first find a more or less stable job. Set a goal for yourself and take action. Don't think about people, about hatred, about past problems. Think about how well and calmly you will live alone.

Svetlana, age: 30 / 04/27/2016

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To escape poverty, it is not enough to simply “do something” or “work somewhere.” This is exactly the path to poverty and further to poverty!

And to become rich, you need to start following the following simple rules:
Each of your problems should be solved in as soon as possible, usually then the least amount of effort is required to solve the problem. Be decisive! Think less and do more!

1. Work less for someone. The more you work, the worse you live! Work comes from the word slave!

2. If you are going to have money, bring something of value to the market and people themselves will bring you money. But the amount of money depends on how convincingly you describe the benefits of this value!

3. Work only for your own interest. Forget calls about corporate culture and loyalty to the company. The company always makes money off of you, otherwise you wouldn’t work there.

4. Think about how to earn at least $50,000 per month. More is possible. You can't do less!
Money comes to you through other people. Communicate! Unsociable people and beeches rarely become rich.

5. A poor environment almost always pulls you into poverty. Even very rich people will always have “relatives, friends and other petitioners” who, if you don’t professionally fight them off, will quickly deprive you of your money. If you are still a poor person, those around you simply do not like, do not respect, and some even hate the rich. You should always communicate with Winners and Optimists. That’s right, with a capital “W” – Winners and Optimists!

6. Poverty occurs when you avoid responsibility!

7. If you have little money, you need to do business. If there is no money at all, you need to do business urgently, right now! Look for problems and think of ways to solve them. Formulate the most successful solutions in the form of business projects and offer them to investors.

8. The path to great wealth lies only through passive income! Income that comes to you regardless of your efforts. Create a source of passive income and live for your own pleasure!

9. There are only two rules for profitable investing. First, save your money! Rule two: I wanted to take a risk, see rule one.
10. Income should always exceed expenses.
Study the biographies and thoughts of the richest people in the world.

11. Answer the questions “Who am I?” What makes me unique? What is the meaning of my life? What would I do (do) if there was so much money?” Only honestly! Strength, energy, passion from the answers to these questions, from awareness of the meaning of one’s own life- simply omnipotent!

12. Dreams are the main thing in your Life! Dream and believe that your dreams will come true! A person begins to die when he stops dreaming.

13. Help people! Not for money, from the bottom of my heart! But! Only those people you yourself want to help. These are not necessarily relatives or acquaintances.

14. Give compliments! Just praise a woman on the street for her beautiful hairstyle, a man for his beautiful, athletic figure, and you never know what else to praise. It always raises your self-esteem!

15. Keep a daily journal of your victories! Grievances and defeats are remembered 7-12 times longer than victories and successes. If you are discouraged, read this magazine!

16. With any enemy, and poverty is the enemy of any person, you need to fight to the end, without pity for the enemy and pity for yourself!

17. And last tip. Never, never, never give up!!!