It's not that we have not learned how to earn money. Women are subject to the old stereotypes of behavior, and therefore the problem of finance lies in the field of psychology.
Women's financial mistakes
1. All the financial issues you shift to a man
From childhood, we are told that a man is an earner, and a woman is a cook, a keeper of the hearth, an affectionate and kind wife who brings up children. Here is a typical example: a woman gives birth to a child, sits in a decree for 3 years, gives birth to a second child, another 3 years pass, and as a result, for 6 years a woman lost her qualification as a specialist. And her family used to live on a broad scale, they have everything on credit, they took a mortgage for an apartment, a consumer loan for repairs, two car loans. But it turns out that the new owner acquires the company of her husband, salaries are reduced by half, and the wife can not find work after a seven-year break. And if the wife were financially literate, she would not have allowed this, she would have been self-educated, not to lose her qualifications, would create a "reserve" for the future, ahead of schedule extinguished loans, because she knew that she had one source of income, and he could be at risk.
2. Can not determine goals
If you ask a person what is wealth or financial well-being, then everyone will answer this question in their own way. A certain ideal will be obtained, to which one should strive, this will be the first step to become financially independent.
3. Do not trust your intuition
In achieving goals, a woman should trust her intuition, she is better developed than men. She needs to learn to listen and she will tell you what to do. Do not be afraid to refuse when you are asked to borrow to the salary, so that later by the end of the month you will not be with an outstretched hand.
4. You forget about your health and yourself
This is a big mistake, you need to go to the doctor on time, go to the gym, go on vacation, find a favorite pastime. Take for yourself the rule with every salary to save for retirement, insure your life.
Here is a life example. A woman of 45 years alone brings up a 10-year-old daughter. Working in the civil service for 15 years, a good and stable career. But because of constant overloads at work, her health is deteriorating, because at one time there was no time to go to the doctor, until there was a heart attack. A long sick leave, a penny in order to get money for life, had to exchange an apartment for a smaller apartment, had to sell the car. If this woman had unforeseen expenses a reserve fund and had life insurance, then you could have avoided this.
5. You do not have your own savings
Women have one extreme - they are worried about everyone, but not about themselves. You need to have the necessary stash, this is your monthly expenses, multiplied by three, this is a necessary stash. If your family spends 50,000 rubles a month, then the stash, at least it should be 150,000 rubles. You do not need to keep your money at home, because it's too tempting to spend, and you need to keep it in the bank on a replenishable deposit, so that you can partly withdraw money without losing interest.
Each woman, in order not to stay at the broken trough (the marriage can disintegrate, the children will grow up), must have its own accumulations to its 60 years, so that it can live at a decent level and does not depend on the state, and on no one else. But often there are such ladies who, in adulthood, give their money to adult children and grandchildren, while they do not have their own savings.
6. To make the mood and dispel boredom do impulsive shopping
Often, women, making shopping, go for a credit limit. Before going to the store, make a shopping list, do not rush to part with money if the purchase price is more than $ 100. Think whether you need it or not. Before the holidays, determine the money for small expenses or an approximate budget and do not get out of it.
Financial rules of a wise woman
- Make goals before retirement. They should be understandable in terms of cost and timing.
- For unforeseen expenses, create a fund, the sum should be equal to the monthly expenses, which are multiplied by 3.
- Do not spend more than you have money. Before you take out a loan, specify overpayment for it. Are you ready to give the bank twice as much money as you took?
- Watch for expenses and incomes, get a computer program for accounting of finances.
- Apply insurance to protect against basic risks - health, life, property insurance. To protect yourself from large expenses, set a spending limit that you can spend during the day.