Advertising encourages us to be wasteful, go on a spree and throw money away. But think for yourself - if we constantly throw away our money, then we will be left with empty pockets. Smart people are like that don’t do it! First of all, make sure that you are living within your means. Second step: increase your income in today’s workplace (if it doesn’t work out, then change jobs). Third step: consistent formation of a “basket of income assets.” Fourth: take your time, enjoy process and wealth. Part 2. Money is a habit Always “being with money” is a habit. Our habits predetermine our lives and shape results (including financial ones). Here's how it works: 1) Daily 10-minute training gives per year, 3650 minutes of work with the body. That’s almost 61 hours. Can you imagine how beneficial this is for our health? 2) Half an hour of daily reading of specialized literature in a year will give us 11 thousand minutes. This is 182 hours of reading. Can you imagine how much your level of professional skill will increase? And it will inevitably increase income levels. 3) Our money and income are made up of our habits: growing as a professional, climbing the career ladder, being healthy and energetic.* How are you doing with the habits that lead to prosperity? Part 3. We get stuck on social networks 145 minutes a day In a year there are 882 hours = that’s 36 days = 1 month a year we “throw out” from our lives. In 10 years, social networks will irrevocably “gobble up” 1 year of our life. I’m sure that each of us could spend it more usefully spend your day, your year, 10 years. Doing things that improve us, make us richer and happier.* Or another example: Junk food takes 5 minutes of our life, and a salad of fresh vegetables adds 5 minutes to our life.** Not want to reconsider your diet? And delete social networks? Part 4. Why we live “paycheck to paycheck” Money is a problem for many of us. But only until we understand the three “layers” of our personal finances: 1) Earning money (that’s enough it’s simple, we all do it and get paid).2) Save part of the salary received (this is much more difficult to do).3) Increase savings by making your money work for yourself (this is the simplest thing - as soon as you understand how to do it correctly) .* Start saving 10-20% of every income you receive.** Can you handle it?*** Or is it too difficult for you? Part 5. The path to a high salary Look like a professional (in your field of activity). Act like a professional (in your field) field of activity). Consistently increase your professionalism. Do what you promised to do. Arrive on time and don’t be late. Ask questions and take notes when something is explained to you. People see all this - and draw conclusions about us and our professionalism. This is the only way you can remain highly competitive in the labor market.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