Being rich is first of all the state of mind. How to be rich should not be the question. The question should be why you are refusing to be rich for so long. Check also this post about We are all entitled to be very rich and we keep refusing it all the time. Thinking like rich will set your mindset right and you will be happier, optimistic and naturally richer day by day. Check out this post about money mindset. So what are the first steps to set your mindset to lead you to be richer.
Make a list of some wonderful things that happened in your life.
We all have them; first smile, first love, great movie, good party, nice book, lovely sunset etc. Anything no matter how small it is. These experiences set your mindset into the amazing mindset. Keep writing them until you get tired. Once you pass the limit and get really tired, look at the list, read it again. If you do not know how to be rich make sure that your desires are linked to some good positive experiences from your life. Make to desire to become rich personal and emotional.
Start being grateful
Once you spend 20 minutes in creating the list above, remembering these events and becoming grateful you will start creating the very good vibration in the universe and in your brain. These vibrations will start inspiring you and direct your attention towards great feelings good experiences generated. These feelings are calm feelings of satisfaction and pleasure you enjoy. You are very resourceful at this state as you have the ‘magical filter’ placed on your perception. These is actually nothing magic about it, it is just pure science. Once you start seeing only positive feelings and emotions you will start attractive good people and good events in your life. this is where you brain will start looking for more ways to provide you with the satisfaction and good feelings. If you want to know how to be rich and richer every day you brain will start focusing on this desire.
Define how rich you want to be and for what you need to spend the money
To be rich you need to know how much money you want to have. Make a list of what you want to buy. Make sure you make that list on the same page as your list of good events. You will transform the good feelings from good events to you plans. remember how to be rich is not just the question. It should be your desire and passion you remember every day.
These are these 7 actions you should never do if you want to have more money. By avoiding these you will start seeing more money in your pocket and you can save £1000s yearly.
Pay mobile bills more than £20 per month.
You can buy mobiles very cheaply these days and paying more than £20 per month proves that you have not really researched the market. Even if you want to buy the latest models of I-phones or Galaxy you can still buy then at the low cost. Make sure that you actually know what you want. How much data do you need, how many minutes do you need and what features are really important for you. Once you know this, do the research and make sure that you always have at least three best choices left on your list. From this short list choose the first option and start negotiating if you can. do this with option 2 and three and see which is the best offer.
Pay car insurance monthly
Paying monthly for your car insurance is always more expensive by at least 20%. If you really do not have cash to pay the annual premium use your credit card with the extended payment terms if there is no fee for doing it. You can also use your credit card with the extensive payment terms for your day to day shopping to generate cash for paying the annual insurance in one payment. Use this cash to pay for the annual premium. To visualize this make sure that you can visually see what can be bought for the amount of money you can actually save.
Pay for mobiles insurance
You should not really paying the insurance additionally. There is so many bank accounts, credit cards with additional perks such as mobile insurance, breakdown cover etc. that you should not even contemplate buying special insurance.
Don’t check prices online
Every single purchase you make should be verified online. This tip will save you £1000s every year. always check the prices even if it is after you make a purchase. this will make you aware of the extend of offers which are available online. This will also open the door of the market. If you never have done it you will be genuinely shocked how much savings is online.
Pay for electricity and gas more than £1000 per year
There is always a better deal for your energy. You can switch your energy provider very conveniently and online. It does not cost and it is very well regulated. It takes a few clicks and this tutorial explains simply how to do it.
Buy petrol on motorway services
Petrol and diesel at motorway services will cost you by average 20% more than on regular streets. If you are driving the motorway and run out always fill it for £10 or £20 and when you exit the motorway fill it up. Motorway services are extremely convenient but you have to pay for this convenience.
People earn money, work every day or run their business but you can get some free money which companies just give away. these are not large sums but enough for lunch or cinema ticket. How to have more money in 2017? The answer is simple. These are simple list of a few ways to have more money without a huge effort:
Apply for credit card; most of the credit card companies give £10 or £25 for successful application.
Switch bank: many banks offer £50, £100 or even more just to bank with them
Get free £10 from amazon just for applying for their credit card#
Sign up for free netflix for 30 days; no payment if you cancel on time
You want to buy the car and you need emergency cash…..
You want to go on holiday and you need cash…
You want to buy a bike and you need emergency cash…
You are loosing your job and you need emergency cash to survive a few months…
Emergency tax is the answer
What do you do? all you need is to have cash. It is not about money, it is just about cash. Remember cash is king!!! If you have it and don’t have to pay interest on having it, you will be fine.
These are five simple tricks to have more emergency cash within 1 month.
Apply for a good credit card or two of them with the longest possible interest free for purchases. there are many of then available for 18 or 24 months or longer. Start using it for all shopping, this way cash will stay with you (£1000-£2000 per month of cash savings). Check out this post for more details
Stop any non essential shopping, limit your expenses to food, bills, mortgage or rent (savings will depend on your life style but can easily keep £200-£1000 per month)
Start cycling anywhere you can, this will save you some cash on petrol (£50)
Review evere simple direct debit and close all non essential such as: gym memberships, TVs, games, amazon, anything which is non essential (it depends on your life style but easily can save £200-300 per month
Identify additional source of income (work at restaurant, publishing, other way to utilise your skills (depends on your skill)
Remember, any debt or credit card must be carefully considered as you are living for money that does not belong to you. Make sure you always pay the minimum to avoid the interest. If you make a mistake you will pay charges. Your credit rating could also suffer. Make sure you have the plan to pay it off.
Do you really think your brain allows you to think independently? Are you in the right ‘money mindset’?
Your brain starts every thought you have and every action you take. Often you don’t know why you have thoughts you have and you don’t know why you do what you do. You feel your brain having its own logic and you have very little control over it. It is terrifying!
It is all in your mindset
But you have an opportunity to change your actions by changing just your brain. You have thousands of preconceived ideas, thoughts and emotions towards dollars and richness and these determine how much money you have. They can limit you from getting the fortune. These simple steps will skyrocket you into massive fortune and build your wealth.:
Understand what you actually want and what is your real attitude towards wealth.
Every day watch your thoughts and understand your emotion towards your own thoughts. A bit sketchy and esoteric?? not really, all you need to do is to sit down in the evening and watch your day, minute by minute and watch your reactions and emotions, specifically those related to richness and money.
Write down emotions related to money for 4 weeks
Once your discover these emotions, concentrate on watching your motivations and reasons for these emotions. Write them down
Do not judge, do not categorised, just watch the raw data without any judgement If you want to be an entrepreneur check this post
Watch your thoughts and listen to your inner voice
Ask yourself questions and start listening to your inner voice – intuition
Do this for 4 weeks until you develop a good relationship with yourself
Draft patterns from your emotions, thoughts, reactions and inner voice advice
You will notice that you discovered some deeply rooted motivations or believes that determine how quickly you can be rich and have more money
discover any negative or positive thoughts you have. these thoughts are powerful
Start creating the better scenery for increasing your wealth ans et the right mindset.
Pick 3 main negative emotions towards money and have a clear understanding of the motivations.
Do not worry where they are coming from, trust yourself
Start watching these emotions and surround these emotions with the positive scenera, colours, events, words etc. Create the new reality by:
imaging your emotions playing differently in various scenarios
imagine them in comic way
look at them from 33000ft view in different colours
take a good distance from them
Always thank yourself and the whole world for all discoveries
If you have any believe, thank your god or Goddess for all you are and all you have
Take very small action
Every day take one small action towards your financial goal and make sure you deliver. It has to be very small action. Make sure that action is realistic such as: write the email and apply for a new job, do some research towards your new business ideas etc.
Do you think that your brain allows you to have free will?
Mobile phones are fun but without your control you will end up paying £100s. I came up with these simple 10 rules for you not to get into the trap of overspending. You can still enjoy all the benefits and services.
Understand your allowance.
When you purchase your fantastic plan you usually focus on how many minutes, texts and how much data is free and this is the key information but make sure you understand:
how much does the data cost outside your allowance,
how much does it cost you when retrieving voicemail,
what text messages are included: some network will charge you 40p for smiling face and set limit on the length of texts
how much do you have to pay for photo messages
data roaming costs
Set limit cap on your phone for data but make sure you understand how it works. Many phone will show you data usage combining mobile and wireless. Also use online accounts and apps with your network. Most if not all of the mobile network give them for free to help you to manage your account. There is a lot of features such as setting caps on usage, sending warning messages etc
Switch it off when traveling abroad
I heard so many horror stories about shocking mobile bills when returning from holidays abroad and my advice is switch the phone off. If you can not do it, switch the put it into the aeroplane mode. If you really can not live without it than switch off the mobile data completely and use the phone when you have access to the wireless network. It require some preparation as most of the apps need network all the time. You can change these settings on your phone
Track data use
Make sure you know where and how you can track the mobile data. Usually the settings on your phone will allow you to do it but your online account should give you this. I suggest check it weekly to make sure you understand how you use data. Music apps are very useful now allowing you offline use. Outside allowance data is quite expensive and your fantastic deal for mobile may be doubles or tripled very quickly
Switch off automatic application update and notification services
You do not need automatic updates for all your apps every day. Switch them off in your settings and update manually every time you want. Once I did that I got rid of 10s of notifications every day. Make sure you understand the notification; you do not need notification from news apps unless you are news freak and you do not need notification from you email app unless you want it. Review what you want you phone to notify you wisely. If you have three of you email accounts, twitter and other 6 or 10 social media sites and 5 news apps and 50 apps to send you notifications you will end up deleting them 100 times per day.
Calls to 0800. 0845. 0870. 0808 .0300 etc
Theres is a common misconception that calls to 0800 and other non-geographical numbers are free. That is not always the case so make sure you understand this and your allowance. I always go for the mobile deal that has 0800, 0808, 0845 etc included but I specifically want this. Make sure you check your allowance and talk to your network if in doubt.
Protect your mobile
Make sure that:
You have appropriate insurance for expensive phones
this is the very old but evergreen list of supermarket money savings tricks. It seems like supermarkets are using similar tricks as they used decades ago therefore the money savings tricks are similar too.
Never shop when you are hungry.
It is the common knowledge that Supermarket will exploits your weaknesses and bad habits and they reveal themselves when we are tired or hungry so make sure that you always go shopping after the good and tasty meal and after the good sleep so you are not tires. I would always promote online shopping and stop it anytime you are getting tired.
Shop at the right time
This is true for online and in store shopping however it is mostly for in store shopping. The best times are the times just before closing however it does depend on the store. I found that a few hours before closing smaller stores reduce prices and supermarkets might work differently. Ninja’s Mum research from last year shows that price reduction vary per store chain and looks like this: (be aware that these patterns are changing so make your own research).
ASDA 6-10am and at 7.30
Co-op around 4pm
Tesco – 7 pm
Plan your meals
It is sad but making the list will save you ton’s of money. Make the list of meals for the week and shop accordingly. It is no fun but you will have more money.
Try other brands to see if you like it and how much money they are worth.
Many people are brand loyal and they are being systematically exploited by the brands to which they are loyal to.
Use your loyalty cards
Squeeze them as much as you can, make points, vouchers and coupons. Make sure that they save you money as they are generally design to take your money
Make sure you are not a victim of special offers
Special offers such as: Buy 1 get 1 free, buy 3 for 2 etc are great as long as you understand the cost of them. They are certainly the big value if:
You can use them
You want them
The unit cost is cheaper than when you buy just one item
Don’t waste food
Buy what you need, pay and get out
Supermarket marketing experts are experts in human psychology and they know human nature. they are specialist and they know how to get your money. Buy what you need and get out
Get the amount of cash you plan to spend and leave debit and credit cards at home
This will ensure that you will not spend more money than you planned. It is a very effective technique and you will see results very quickly. It will obviously not work when shopping online
We all want the latest mobile phone with the best plan at lowest possible cost but when we start shopping our limit on the monthly cost seems to be moving up and up. So I developed this simple checklist you could use before you take the final decision to buy the mobile phone:
Decide what you need your mobile for. Phone is becoming less of the phone these days but the small computer therefore you will probably need large screen with the good data plan.. Set your fixed requirements from which you will not deviate and those you have more flexibility. Example of the requirements’ list:
Iphone 6 (at least), due to the larger screen
Lot’s of data
Lot’s of texts
Do not really need minutes but a 1000 would do
Roaming? not interested (make sure you understand it well)
Start shopping with the mobile providers’ websites such as Three, Vodafone, Orange, Virgin, O2 etc. You can search for:
Pay monthly phones. You sign up for 2 years contract and the plan. The cost of the handset (your mobile) will be included in your monthly payment. This is the most popular method of purchasing mobile phone these days as the cost of the phones is spread across your contract and you can afford the better phone.
Pay as you go: You will pay only for what you used and top up your minutes or data when you run out. This is a good method when you do not want to sign up for the longer commitment. Usually the rates are more expensive but if you are not using your phone extensively this may be an option for you.
SIM only. This is an interesting option when you already have the mobile or bought it from someone privately. I like this option as contracts are usually shorter than in option 1 and there are usually not cancellation charges. You have to check it on your contract.
Make sure you read the details about the phone such as:
is the phone new or refurbished
What is the RAM in your phone (now you want to look only at min of 8MB with the memory of 32Gb or more. the amount of storage modern apps are using you will need this storage
Check the battery capacity: You want to go for a minimum of 2500mAh or you will keep charging battery every night or more often.
Check monthly cost of the plan and the headset and any other charges such as insurance. and cancellation fees.
Search in comparisons websites and other companies that are selling mobiles on behalf of networks.
Once you selected the best deal and the mobile phone provider, review the small print and the network provider costs such as:
cost of 0800, 0870, 0845, 0844, 0300, 0345 etc. /non geographical numbers
cost of retrieving your voicemail
cost of calling customer service
cost of roaming
can you but the limit on your maximum spending level such as data?
cost of out of allowance usage / these might be quite expensive
Once you know all this, check reviews and opinions of other people and see what they think about the phone and the network provider.
Once you have all these details go ahead and make the decision. If you pay above £30 per months for your mobile you are probably paying far too much than what you need.. These is plenty of offers and keep reading this blog as I will be listing more details of latest deals. At the time of writing this post I could recomd the short 30 days rolling contracts of virgin mobile if you already have the phone:
For just £13 you have 5Gb of data, unlimited text and 5000 mins. This is a lot of usage for an average users.
You can check their website as there is plenty of good offers.