A healthy relationship with money: what it is and how to achieve it

Definition of the concept

To get closer to a goal financially, a person must be aware of the meaning of money and understand the laws of its movement. Experts tested people's reactions in situations related to financial issues. The resulting behavioral scenarios are analyzed to identify key behavioral recommendations.

People usually refer to all their capital as money: credit cards and cash. Scientists have found that depending on the form of money, the attitude towards it changes.

The basics of money psychology consist of several principles:

• Money is energy that you need to be able to accept.
• An increase in capital should be accompanied by positive emotions. It is enough to understand that money means well-being, stability and freedom, which means you can only talk and think about it in a good way.
• The readiness for wealth must be absolute. You can’t just dream about a large sum without understanding what to do with it. A person must have a clear idea of ​​where he will spend the wealth he receives.
• The fear of losing capital scares him away.

You need to love money and accept it correctly

What's next?

A 2006 paper published in Science magazine talks about the importance of studying the psychology of money for two important reasons. Firstly, money is one of the most important values ​​for a person who lives in today’s society with its own economic laws. Therefore, it is important to study the influence of money on any area of ​​human activity.

Secondly, how a person reacts to all sorts of factors related to money directly affects his life. The same studies that we briefly mentioned above made it clear that even one thought about money affects a person’s brain so much that he immediately switches to his personal needs, desires and principles.

In addition, the stronger a person’s attitude towards financial success, the less he cares about what is currently happening in society in general. And people who have a more serious attitude towards money and are focused on material values, as a rule, are much less likely to be happy people. Studying these and similar questions, according to researchers, can help improve people's levels of happiness.

We don’t know how you feel about money. But one thing we can say with confidence: money is not all that “rules the world,” as many people now say. Money is just a part of a person’s life, and the part is often not the most important. Strive to be richer spiritually and morally - this is what true wealth is based on. And, of course, read Robert Kiyosaki to treat money correctly.

Good luck and prosperity to you!

We also recommend reading:

• Storytelling
• Cognitive science and its place in the scientific world
• Behavioral Economics
• Fundamentals of neuroeconomics: how do we make decisions?
• 10 basic rules of financial literacy
• Strategies for Overcoming Limiting Beliefs
• Causes of the global crisis of 2008
• Top 7 mistakes in managing money
• Cognitive economics: the science of thinking
• Children and money, or How to teach a child to manage money
• How to learn to manage money more wisely

Keywords:1Business

Wealth factors

Nature has given all people attention, memory, and thinking, but everyone’s material well-being is different. Scientists talk about several reasons for this phenomenon: firstly, the attitude towards wealth is based on habits, the influence of society and family. Secondly, the inner feeling of oneself - the less a person loves himself, values ​​his professional qualities and skills, the less likely he is to ever get rich .

The following factors can affect your level of wealth:

• Attitudes towards money are formed in childhood based on the example of parents’ behavior. If mom and dad were big spenders and didn’t know how to save, the child most likely won’t be able to save anything either. Even with a good salary, a person has a subconscious goal of getting rid of banknotes, which is where thoughtless and unnecessary purchases come from.
• Possessing a large sum provokes different financial behavior. Some, having received a certain amount of money, begin to spend without measure, others try to save, going to extremes. The correct reaction to having an amount is to calmly and rationally think about what can be done to increase it or how to spend it profitably.
• Correct placement of life priorities . Those who put family first are unlikely to spend much on entertainment.
• Fear of leaving your comfort zone interferes with material well-being. Only those who are not afraid to change their lives get new chances to get rich.
• Psychologists say that the incorrect thinking of the poor , which is radically different from the thinking of the rich, prevents them from getting rich. Constant thoughts about the lack of money block the view of new prospects and resources.
• The means run out the moment the desire to achieve them stops.

It is important to properly manage unexpectedly received money

I highly recommend reading the book: My Neighbor is a Millionaire . Authors Thomas J. Stanley, Danko William.

What is the psychology of wealth and how does it differ from the psychology of poverty?

Wealth psychology is a way of thinking and a worldview in which the business actions you take lead to profit.

The undeniable fact is that if you do not consciously develop the mindset of a successful person, then you will not be able to make good money.

Even if you inherit a huge fortune or suddenly win the lottery, there is a high probability that you will lose everything .

In one of my previous articles, I wrote about the psychology of the poor. This is the exact opposite of the way rich people think, read this article for the full picture.

Below I have given a comparison table of the thinking of rich and poor people:

In the table I described the extremes and showed the thinking of rich and poor as black and white. In fact, anyone, even the most successful person, sometimes “breaks down”, giving vent to their feelings.

And, on the contrary, even a complete poor fellow can pull himself together and begin to actively change his thinking.

Read the article on the topic: Where to get a large sum of money

In a few months or years, such actions will lead to a colossal change in personality for the better and an increase in the well-being of the previously poor person.

Laws of money

Each bill is the result of human activity, because money does not come from nowhere. But it’s not enough to earn good money, you need to know the laws of money.

1. The law of rich thinking. Do not complain about the lack of funds, speak positively about your situation, and keep track of your money correctly.
2. The love of wealth is a guarantee of its appearance. Thoughts are material, so those who think about the goal and do not give in to fears get what they want.
3. The law of motion - money must constantly work. Greed will destroy capital, and the right investments will bring additional income.
4. The law of ease - do not spare money spent on pleasure. Money should bring joy, only in this case it comes back.
5. Law of goals. In business there must be a desire for development and new discoveries. You need to get satisfaction from your business, and the issue of profit should come second.
6. Law of distribution. To avoid ending up in debt, part of the money should be used to increase capital.

By following these laws, you should not focus on earning capital. Money loves happy people - in addition to earning capital, you can focus on other goals, recharging yourself with positive energy.

A way of thinking or how to learn the psychology of success?

A huge percentage of the probability of your success lies in... your head! How you implement your knowledge and sell your product will affect your success!

Two main thinking errors that hinder success:

Freebie habit

This is the psychology of the poor. Pull off everything that is lying badly! Don’t feed our people bread, just give us the word Freebie! It's free! It will never be useful in life - but I don’t care, the main thing is that it’s a freebie!

Anecdote: “I’m selling a way to earn $100 per minute. Cost of the method: $100.”

A rich person will never waste time on trifles. Moreover, all rich people GIVE money just like that, to charity! Do you think they are doing this in vain? Consider further, if so, it doesn’t make them any less money))) Perhaps it’s worth following their example and stopping using the psychology of poverty?

Comfort zone

Success comes to those who seek. As Einstein said, if you do the same thing over and over again, it is difficult to expect a different result. We need to break the boundaries of our comfort zone and move forward. If you can't run, go. If you can't walk, crawl. If you can’t, lie down in the direction you need to go.

Psychology of successful people

Successful people with money, if we analyze their habits, do many similar things:

• They get up early
• They love sports
• Eat right
• Constantly improve their skills
• Read new books and get new information
• Set goals and go towards them

It's time for you to act too!

Communication with people:

Successful people love successful people. Money to money. Everything is natural. Much of your success depends on who you surround yourself with. After all, having good acquaintances, you can very quickly resolve any issue.

Half of a person's success lies in the hands of those people with whom he interacts.

Do you have a cool project? Then you will find an investor who will be willing to invest money in it. There are a lot of such investors, and also a category of business angels who are ready to invest in almost any project if they like it.

The main thing is desire on your part.

Change your view of money, stop making it the meaning of life. Then they will appear for the goals that you set for yourself!

Value yourself, hang out with the right people, use your talents, and “sell yourself” well! And everything will be great! You will definitely be noticed!

How to think to get rich

Thoughts attract their essence. To get rich, you need to learn to think correctly about capital and get rid of any negativity that is associated with money.

Basic principles of thinking of the rich:

• Bad habits attract bad luck, while good habits attract “alternative luck.”
• Rich people believe in equality of opportunity. They are confident that success can be achieved with their own talent and abilities.
• The right circle of communication is valued in a business environment. A wealthy person is unlikely to forget to congratulate a colleague or partner on his birthday, realizing that he needs a network of valuable contacts. New acquaintances and the impression he makes on people are important to him.
• Being rich doesn't always mean earning a lot. The ability to properly allocate the budget and save money plays a huge role.
• Only poor people believe in fate . This is a convenient position that frees you from taking decisive action to change your financial situation. A rich man is confident that his destiny is in his hands and success can only be achieved by putting effort into it.
• Wealthy people understand that intelligence is not always the key to success. Non-standard thinking and a creative approach are important in making money.
• A rich person is willing to take risks to increase his capital. Many large business owners have achieved success through harsh life lessons.

How to gain the psychology of wealth: books and materials that change thinking that helped me personally

Here I recommend only those books and training materials that I personally used in the process of my development.

The rich study a lot and thereby increase their wealth!

Book "Think and Grow Rich" by Napoleon Hill

A very good fundamental book on changing thinking. The author spent decades of his life learning the principles of success professed by the richest people of the 20th century. Start with Think and Grow Rich and you definitely won’t regret it.

The book "Rich Dad Poor Dad" by Robert Kiyosaki

I came across this book when I was 18 years old. She had a profound influence on my worldview and gave a powerful impetus to my development as an entrepreneur. Now Kiyosaki has a whole series of books called “Rich Dad”. He founded the company of the same name - in English “Rich Dad”, which teaches people around the world the basics of financial literacy, doing business and investing.

An experienced millionaire, Robert Kiyosaki has written many books for all ages and has become a truly family-friendly business author.

The book “Mani, or the ABC of Money”, author Bodo Schaefer

An American of German origin, Bodo Schaefer, came to the United States at the age of 16 in the 90s and achieved success in business from scratch. Thanks to this, he became one of the most famous trainers in the world on financial literacy and the psychology of achieving success. I became acquainted with his book “Mani, or the ABC of Money” when I was in my early 20s (now I’m 30 years old).

In an artistic form and with the right thoughts regarding money, the book tells the story of a talking dog "Mani" (money). She taught her young mistress how to properly manage personal finances, earn money and thereby help her parents.

In an easy and relaxed manner, readers are introduced to the fundamental principles of personal finance management that are relevant at all times.

The book “The Psychology of Wealth. Me and money", author Saidmurod Davlatov

The main idea of ​​this book is that money should work for you. You should be the masters of money, not its servants. The book also talks about various ways to make money to show the reader all their diversity.

Be sure to read the book “The Psychology of Wealth. Me and money."

Video “Get Rich in 60 Minutes” by Robert Kiyosaki

Kiyosaki again Here Robert explains in an hour the fundamental differences in the psychology of a poor and a rich person, and also provides working techniques for achieving financial success at any age and with any income level. In this video, the author talks about the importance of proper distribution of your income and charity.

Video “10 Laws of Wealth” from Channel One of Russian Television

This video was released on Channel One many years ago. It talks about 10 principles that rich people follow. The trick of this film is that it is completely documentary, based on the stories of real people and entrepreneurs from Russia. It touches on human psychology and our Russian mentality. Be sure to check it out!

CashFlow game by Robert Kiyosaki

I became acquainted with this outstanding game when I was about 19 years old. Now it has both a desktop (physical) version and an electronic one. I recommend playing the board game. This is more fun and useful, since you perform all the actions and calculations with your hands without the help of a computer. Since then I've played it with friends more than 120 times!

Each new batch in “Cash Flow” is another financial insight and ideas for increasing your income.

Kiyosaki himself wrote the following slogan on the game box: “The more often you play this game, the richer you become.” This is the pure truth, tested for myself!

You can order the game in the OZONE online store or find it in bookstores in your city.

What to do to be rich

Each story of achieving financial independence is original, but there are several ways that will help anyone get rich.

One of these ways is to create passive income. This type of income does not prevent you from working, but allows you to earn additional income. Even a small amount of a few thousand rubles will not be superfluous. Passive income can be different:

• Receiving interest from a bank deposit or dividends from securities;
• Renting out housing;
• Creation of an advertising platform on the Internet;
• Distribution of network marketing products.

A good option for getting rich is your own business. Of course, starting a business usually requires capital, but there are methods of development without investment. For example, on the Internet you can start making money with your own mind. The field of activity here is unlimited - you can work either as a freelancer or as the owner of your own information business.

Intermediaries of financial transactions receive their commission, and this is also an opportunity to get rich. For example, a realtor with a good client base earns several thousand dollars a month.

Useful habits of rich people

The psychology of money talks about the importance of habits that help you get rich. The habits of the rich and the poor have serious differences.

Habits of poor and rich people.

Money needs to be loved

No matter how cynical it may sound, you have to love money! The thought that money is evil never arises in the head of a successful person. Such people are always open to cash flow, they accept money with pleasure, but also part with it easily, without regret. They know that they will soon receive more than they spent.

Another wrong thought that scares away prosperity is that only the heirs of wealthy parents or crime bosses can earn a lot of capital, but this is impossible in an honest way. Money does not forgive negative thoughts about yourself. They come only to those who love them and are glad to meet them.

Negative and negative statements about money

Disrespectful thoughts about money usually come with negative thoughts. A person complains about a lack of finances in the house, about the inability to earn money honestly, etc. In addition, negative statements about money can provoke envy of other people's financial well-being. This feeling delays development, so you definitely need to get rid of it.

Returning again to the fact that thoughts are material, it should be noted that when talking about money there are certain phrases that are best not uttered under any circumstances. You shouldn’t say “I don’t have money,” especially if it’s not true. Such an excuse can lead to financial losses and certainly will not help you get rich.

Greed and saving on people

It is necessary to get rid of the fanatical attitude towards capital. Money should not be allowed to control a person. Such people lose their positive moral qualities and “go over the heads” of other people. But you can become truly rich only through honest work.

For example, a seller in a store charges each customer 10 rubles. It would seem that for the visitor the amount is unnoticeable, but for her it is an opportunity to earn extra money. But this doesn’t make the seller any richer; he continues to work for 20 years in the same store, deceiving people. And the seller from the neighboring stall quit a few years ago and opened his own business. Maybe this is because he is unfamiliar with the feeling of greed?

Saving on yourself

This is also not the best way to preserve and increase capital. Money comes to those to whom it brings satisfaction and happiness. When you deny yourself what you want or need at the moment, a person disrupts the financial flow that he had established.

The message goes out into the universe that he does not need finances for himself. The energy of refusal scares away money; it can go to a person who will appreciate it and please himself. This may cause a decrease in salary, unexpected expenses or theft of funds.

Fear of running out of money

It is the fear of being left without money that leads to real lack of money for a person. For example, during an interview, a candidate is silent about the salary level he deserves for fear that he will be rejected. As a result, he is hired, but the pay is much less than he expected. Peniaphobia kills the desire for career growth, to change the situation for the better.

Rich people are not free from the fear of losing capital, they know how to manage it, transforming it into caution. In order not to be afraid of losing all their savings, they make deposits in different banks or invest those amounts, the investment of which is not critical for the rest of the capital.

To get rid of this phobia, there is a simple exercise. On paper you need to write “I am left without money.” And under this phrase are all the consequences of this situation - poor nutrition, old clothes, giving up a car, etc. Among these points, you need to choose the most significant ones and think about how you can get out of these situations. Now, in case of loss of money, you will have a clear action plan at hand.

Ambiguity of purpose

Each person should understand exactly what he wants to spend money on. To do this, you should make a list with purchases or reasons to save money. If you add up all the points, you get the amount you need to earn. By setting this exact amount of money as a goal, a person can easily earn it.

Count your money

There is always money in the bank because it is constantly being counted there. It is advisable to store savings in one place, then this place will become a magnet for attracting money. It’s better to stack the banknotes according to the watermarks, one next to the other. And constantly recalculate your capital!

Using the above recommendations you can really achieve material well-being. It is noteworthy that these rules work in the economies of entire states. Like any energy, money must be in constant motion, then its quantity will grow.

Psychology of money: how to become rich?

Psychology primarily considers the request “I want money” from the point of view of the motives that lie behind the desire to get rich.

Healthy attitude towards money: psychology

People often take the hard route to get their needs met. Before you start the “race for millions,” ask yourself what goals you are really pursuing. Do you really dream of wealth? Or do you really want something that you think comes with big money?

Acting out of a sense of lack never pays off. Let’s say you dream of making a fortune because you believe that having more money will allow you to “never again” have to suffer from being looked down upon by others because you drive an old car and wear unfashionable clothes. However, having become rich, you will also depend on the opinions of others. Perhaps there are simpler and more reliable ways to increase self-esteem? For example, ask yourself the question for what qualities you respect other people, regardless of their financial situation (honesty, goodwill, strong will) and direct your efforts to developing these traits in yourself.

Money cannot compensate for a lack of peace of mind. There are no fewer neurotics among the rich than among people with low incomes. A healthy perception of money involves treating it as a tool that allows you to increase the joy that already exists in a person. The golden rule of truly successful people: first become happy, and only then proceed to any action.

Psychology: what to do if there is money denial?

Psychologists who specialize in solving financial problems note that behind unsuccessful attempts to get rich there is often a fear of success. On a conscious level, a person seems to want to achieve material well-being, but in the subconscious, wealth is strongly associated with all sorts of problems.

Fear of envy

The psychology of money is such that successful people are always in the spotlight. Their lifestyle and actions become the subject of discussion, envy, and gossip. If as a child you had the experience of being pestered by envious people and ill-wishers for your success in school, sports, or creativity, then there is a high probability that you have developed a fear of any achievements due to possible aggression from others. Such fear is relieved by the understanding that you are now an adult and are free to choose your social circle. Don't let outsiders set the standards for how much money you should have and how you spend it. People who truly love you will always rejoice at your achievements.

“A woman should not be more successful than a man”

If you are a woman, the fear of hurting the pride of your less ambitious or successful man may prevent you from earning big money. A situation where a wife earns more than her husband can really become a threat to the family idyll. But only if the spouses are subject to gender stereotypes.

“Money is unspiritual”

You may also be hampered by the attitude that striving to earn big money is simply indecent. Some argue that there is nothing spiritual about wanting money. If you are tormented by the fear of being branded as a materialistic person, remind yourself often that you are not a disembodied spirit. You cannot separate yourself from the material aspect of life.

“What if I become a different person?”

There is a myth that money changes a person. And certainly for the worse. But in fact, big money only reveals the true nature of its owner. When there is no money, a person is more dependent on the will of his superiors, the support of colleagues and relatives. As soon as cash appears, the need to maintain good relations with others through concessions and compromises disappears. If the only motivation for going to work is the salary, the person quits it or begins to be irresponsible about his job responsibilities.

From a psychoanalytic point of view, the fear of wealth is the fear of loss of self-control. An individual who has not developed will and self-discipline needs external restrictions in the form of financial disadvantage or bodily illnesses, which provides him with a sense of security. For example, a person who is afraid to openly express an unpopular point of view may suddenly develop a sore throat and a dull voice.

Imagine yourself suddenly achieving financial success. What lifestyle will you choose and how will you behave towards others? Will you really begin to waste all your time on empty entertainment, will you begin to look down on your less successful acquaintances, will you rush to change your current girlfriend to a younger and more beautiful one? A simple game of imagination will help you understand your true feelings and desires.

Helpful Beliefs About Money Worth Buying

Many people who have failed on the path to financial prosperity tend to accuse government authorities, employers and traders of a global conspiracy against ordinary honest workers. This variation of socialist ideas is very common among the inhabitants of Russia and explains the lack of money from one person by the fact that it illegally migrates into the pockets of selected citizens. The psychology of money states that your ability to get rich is influenced not so much by the existing economic or political situation in the country, but by the dominant thoughts about money.

The number of resources is unlimited

The world is full of abundance and opportunity. Money can come into your life in endless different ways. This is why so many market niches are opening up all the time and people are achieving financial success with ideas that recently had no market value.

If you tend to think that the road to financial prosperity is a long, difficult journey, then it will be - for you. Some people look at life with optimism, notice favorable opportunities and take advantage of them. Others, because of their pessimistic perception of life, pass by open doors, and then complain that life is unfair.

The negative scenario is laid down from childhood, when the child constantly hears from his parents that life is difficult, one must dream modestly, and one can become rich only by stealing. Life is a self-fulfilling prophecy. When inherited negative attitudes about money begin to be confirmed by one's own life experiences, belief in their truth only intensifies. Therefore, it is not so easy to switch to a positive attitude.

I deserve to be rich

Most often, big money causes feelings of guilt. This is associated with Puritan values: asceticism and hard work. Puritan morality condemns self-indulgence and objects to easy money. As a result, many people feel the need to justify their financial well-being through hard work.

To the question of how to become rich and successful, psychology answers: believe that you are worthy of financial abundance. There is nothing more destructive to your ability to allow significant amounts of money into your life than a negative attitude towards yourself. People with low self-esteem are embarrassed to ask others for help, afraid to ask their bosses for a well-deserved increase in salary, and refuse lucrative offers for fear of not meeting the expectations placed on them. Don't repeat their mistake.

If the thought of living a prosperous life while others are living paycheck to paycheck makes you very uncomfortable, then attracting financial success will be difficult for you. Think about it: you don’t feel guilty towards blind people for being able to see, do you? And don't wear a dark blindfold to compensate for their lack of vision? Likewise, your deplorable financial situation will not relieve other people’s financial difficulties.

Try to outsmart your subconscious and find an excuse for your success. Plan what good things you will do to spend part of your increased income on: set up a playground in the yard for everyone, help a local orphanage...