Financial Abundance

10 Tips to Establish Financial Independence in your 20’s

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Want to save more in your 20’s? Start building habits right away that can help you achieve this goal because when it comes to saving, consistency matters. For many young adults, managing finances could be quite overwhelming. Once you are out of college, you need to start thinking of getting a house, medical insurance, and whatnot! Above that, you have no experience in managing your finances.

In this article, we are sharing the top 10 ways to establish financial independence in your 20’s so that you can live the life you always wanted.

1. Start setting budgets for financial independence

If you are still in college or have just started working, you must start setting budgets for everything. A budget is just a fancy term for a plan on how you are going to spend your money.

Start with taking note of all your expenses. Include every little thing in this list, from buying groceries to paying for your gym class. Then, see where you can cut costs. For instance, if you are someone who eats out most of the time, try cooking meals at home and see how your savings go up!

2. Do not rely on your credit cards much

Credit cards make it possible for us to get what we want. But, when it comes to paying the bills, it becomes tough. So calm your mind a little and stop yourself from using your credit card unnecessarily. Many young adults have started using their credit cards only at the time of an emergency.

If you are buying anything on monthly installments, make sure to get a no-cost equated monthly installment (EMI). In no-cost installments, the bank charges no interest on your credit card bill. This way you can pay a large bill in a few months. However, large monthly installments would block your credit limit. So in case of an emergency, you might not be able to use your credit card. Therefore, make sure you opt for a small loan.

3. Live a frugal life

If you want to manage your expenses in your 20’s, stay lowkey and authentic. This means even if you have a car, choose public transportation for commuting to work as it would save you money. Do not go crazy behind brands and make sure to spend your money on shopping wisely.

If you have a $300 purse, but you have nothing to put in it, your purse isn’t worth it. But, if you have a $10 purse with $290 in it, the value of the purse automatically increases. You may also try and cook meals at home instead of eating outside. The bottom line is to learn to live within your means and save as much as possible.

4. Say no to borrowing

Whether it be your mother, father, sibling, or any other family member or friend, make sure to borrow no money from them. Then only you will be able to reach financial freedom in your 20’s. Learn to manage your expenses on your own as much as you can. Even if you have to get a loan from them, maturely approach your parents and make sure to repay their loan as soon as possible. Building financial independence is more about feeling financially independent.

5. Check your spendings

Setting up a budget is not enough, you need to keep a check on yourself and your savings. Doing this regularly will help you analyze whether you are meeting your monthly spending goals or not. Gather your monthly bank statements and make sure to balance your accounts and keep track of all the transactions that took place. It might seem a lot right now but once you will get into a habit, it will become easier for you to track your spending records.

6. Avoid impulsive shopping

Do you often shop based on your feelings and emotions? Many young adults go out shopping when they are feeling bored, depressed, or extremely happy. At such times, they shop for things that they might not need and all this disrupts their savings. First of all, make sure you do not shop impulsively. Secondly, make sure you have a list every time you go out shopping. You need to buy things that are mentioned in that list. Do not let any attractive offers lure you. Just a little organization and you will be able to enhance your savings.

7. Make savings a priority

Do you often save money after everything else is taken care of? Well, change this habit as early as possible. Make your savings a priority. Whenever you receive your monthly salary, make sure to save some part of it. Then, keep the rest for investing and paying bills. Many people follow the 50-3-20 rule. Based on this, 50% of their earnings go to their basic needs, 30% of their earnings go to their wants and 20% of their earnings go to investments and savings. You may alter this figure based on how much you earn.

Financial Independence

8. Try minimalism!

This could be your next lifestyle. Minimalism, as the name suggests, means living with the things that you need. We often have this habit to fill our houses with everything. We might have fifty dresses back at home and still won’t hesitate to shop for another one. We never hesitate to buy a new decor item for our house or a new shining bedsheet even if we have many in stock. All this leads to unnecessary spending and would never let you reach financial independence in your 20’s.

9. Look for deals

Daisy, who works as a finance expert at GoDissertationHelp says, “you can save a lot on things you normally buy such as groceries or clothes. All you need to do is wait for the right time. For instance, many online grocery stores offer huge discounts on certain days every month.” Similarly, online retail stores like Amazon offer huge sales on special days like festivals and end-of-season. You can buy clothes, furniture, or decor items on such days.

10. Be patient until you reach financial independence

Learning how to manage your finances is a process, just like taking assignment help. Do not expect yourself to master this technique in just one day. Sometimes you might shop impulsively. Sometimes, you might not be able to save up to 20% of your income. When these things happen, be kind to yourself and do not feel guilty. John, who works as an academic assignment helper says, “your goal should be to watch yourself from spending money unnecessarily and learning from your mistakes. Do not let your mental well-being get harmed while spending less and saving more. Slowly, you will learn to overcome your emotions, and then you will become financially independent.”

Wrapping up

Building a habit to save more and spend less takes time. Hope these 10 tips will help you establish a ritual to save more money in the future. No matter what you choose, never compromise your health for money. You are still in your 20’s. It is great at least you have decided to save for the future. But you still have a lot more days and a lot more potential to accomplish your goals. Just never give up!

4 Simple And Smart Suggestions To Boost Credit Score

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Do you often pay high-interest rates on your loans or credit cards? Or, does your lender or card issuer ask you to pay more as EMI than someone you may know? If your answer to any one of the two questions is ‘Yes’, then you are a victim of a low credit score.

A high credit score brings with it several benefits like a low-interest rate, better terms, higher repayment tenure, and broader discounts. Such benefits can conveniently decrease your interest bills than the current home loan or other loans’ interest rates. Read this article to discover four simple yet effective ways to boost your credit score.

The Top-4 Ways to Enhance Your Credit Score

When you apply for a home loan or any other loan, the lender would take a look at your credit score and determine the interest rate. If you want a lower interest rate than the current home loan interest rates, you have to increase your credit score. At this point, it is prudent to note that the current home loan interest rates are the lowest when compared to other loans.

However, before taking steps to increase the score, you should find out the reasons why your score is nose-diving.

Here are the ways you can boost your credit score!

1. Pay More When You Can Afford To

If you have an existing loan, like a home loan, the chances are high that you pay a fixed amount every month. In the case of a floating rate of interest, your EMIs increase or decrease depending on market rates.

As you continue paying the EMIs on time, your credit score slowly ascends to the top. To accelerate the process, you can pay something extra when you manage some extra cash. Doing so can increase your credit score considerably, as it reduces your credit utilisation ratio.

2. Extend Your Loan Term

At times, your lender may tell you the advantages of closing off your loan account, like a home loan, early. The lure of massive savings may prompt you to opt for a short tenure loan. While it’s true that a short duration indeed makes you debt-free earlier, it can also increase your loan bills, making it challenging to repay on time.

In such cases, it is better to request your lender to increase the loan term. As you repay the loan bills before due dates, your credit score would jump healthily and steadily.

3. Keep Your Credit Utilisation Ratio Low

The Credit Utilisation Ratio (CUR) is the amount you owe to lenders compared to your net monthly income. If your CUR is 50%, it means you spend 50% of your net earnings to pay credit bills, including home loan EMIs.

If you aspire for a high credit score, your CUR must be below 30%. A low CUR means less stress on your financial health and better credit score.

4. Keep an Eye on the Credit Bureau

While it may seem too naive a suggestion, it can sometimes be the reason behind a low credit score. There are instances when the credit bureau is late in updating your records or might have updated it incorrectly.

It would be best if you check your credit score at least once every month and point out any anomaly. CIBIL, for example, provides you with the CIBIL Dispute Resolution Form, which you can submit online with details of the error.

Conclusion

Boosting your credit score can open up a door of opportunities. In best cases, you can get a much lower interest rate on your loans, like a home loan, than the current interest rates.

Positive Words Research – 4 Simple & Smart Suggestions To Boost Your Credit Score

Will Luxury Cars Make You Happy and Have More Success

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We all have noticed that billionaire people posting and promoting top-end automobile manufacturers like Mercedes, Porches, and so on. The general people tend to share these posts following the pattern of these materials, making them happy. Now, we are disc what makes you a happy person?

So, does owning a luxury car make you happy? The big answer to the small question is- it depends from person to person. If you drive luxury cars in isolation, you don’t really know how the cheap car performs. The whole, like if you are upgrading to top-end vehicles, it absolutely makes you happy. 

Subsequently, happiness might last for a short period of time. When you get used to car comfort and luxury, you would want to rekindle the lavishness to a higher level. You will find the ultimate luxury experience while you switch back and forth between the basic and the top-end car. As you do so, you will eventually appreciate the refinement of a vehicle.

Nonetheless, the thought process of an individual differs from another. We often lie between the extremities. On the flip side, some people are keen on materialism rather than minimalism. They tend to switch between top-end Mercedes, Tesla’s new model time and again. On the other hand, people prefer driving basic cars even if they can buy luxury vehicles.

Subsequently, buying a used car might help you fulfill the dream if you are short in money. Sideways, rental luxury cars are also on the rise. It’s tough for general people to buy the top-end model of cars because they are tremendously expensive. Buying a used car is riskier than a new one. getting a Revs check report  gives you a clear understanding of engine theft, number plate theft, and stolen VIN records. Thus, get everything inspected when you keep an eye on one.

The worldly people enjoy driving on luxury vehicles, but according to them, the happiness lasts for a couple of days. At the same time, the other group let the broad scope of having the beautiful thing and the happiness last for an entire lifetime. The virtue of joy comes from within. It’s never late to decide what you will accomplish in the days forthcoming.

Some of the luxury cars you can buy right now.

A luxurious car doesn’t mean it’s good to buy. These days, the mid-range car offers the top-end technology and design that flagships provide. There can be some cost-cutting mechanism to the vehicle, but they look identical with features. With the rise in demand, the luxury car market is expected to rise by 10% in 2021. Here are lists of the end-luxury vehicle in the market.

1. Luxury SUVs

2. Luxury Sedan

  • Maserati Ghibli (2020)
  • Jaguar XF (2020)
  • Acura RLX (2020)
  • Volvo S90 (2020)

3. Luxury Convertible Roadster

  • Porsche Boxster (2020)
  • BMW-2 Series (2020)
  • Lexus LC (2021)

4. Luxury Supercars

  • McLaren 720s
  • Ford GT
  • Ferrari 812
  • Ferrari SF90
  • Lotus Evija
  • McLaren Speedtail
Luxury Cars

30 Financial Affirmations to Attract Wealth and Abundance

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Positive Words Research presents below a list of 30 financial affirmations to attract money, wealth and abundance. Read these financial affirmations carefully and reflect upon them adding details from your life when thinking.

30 Financial Affirmations to Attract Wealth and Abundance

  1. I get paid for being me.
  2. More money is appearing in my life in unexpected ways.
  3. I deserve money so I can do everything I want to do in this life.
  4. Day by day I can see more money flowing to me.
  5. I spend money wisely.
  6. I am financially thriving.
  7. Money comes to me effortlessly and easily.
  8. I am attracting all the money I want.
  9. I have money like oxygen.
  10. I get richer by the second.
  11. May I and everyone enjoy financial freedom.
  12. I am grateful for all the money I have received.
  13. I am generous and wise with money.
  14. The Universe conspires to give me everything I need.
  15. We live in a friendly and generous Universe.
  16. I seek money and money is seeking me.
  17. I find joy in giving because I have more than enough.
  18. I choose prosperity.
  19. I get to show up and get paid.
  20. I pay my future self first.
  21. Every day in every way, I am becoming richer and richer
  22. Life is full of opportunities to make more money.
  23. I easily tune into the prosperity mindset.
  24. My bank account is blessed.
  25. I release with grace and ease every block that held me back from receiving prosperity.
  26. Every day in every way I am attracting more and more money.
  27. I allow my dream to be supported with money.
  28. I am worthy of receiving money.
  29. I have money.
  30. I have both active and passive income.

Write each of these financial affirmations on a piece of paper and reflect upon them. Also, inform yourself about tips to know and implement in your life so that you can reach financial freedom and independence.

Share these money affirmations with a friend to inspire his prosperity thinking.

Positive Words Research – 30 Financial Affirmations to Attract Wealth and Abundance

30 Financial Affirmations to Attract Wealth and Abundance

Financial Abundance Feel Far Away: Learn What Can You Do

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Most of us have an idea of where we would like to be in life and it often includes a desire towards financial abundance. Call it wealth. Call it prosperity. Whatever you choose to call it, it’s probably right there, up on your wishlist. 

Why Does Financial Abundance Feel So Far Away and What Can You Do About It?

But from wishing it to actually attracting it sometimes feels like a road longer than the one we signed up for. So what do we do to get there? Or better yet, what should we stop doing in order to achieve the financial abundance we covet so much? The questions seem pretty straightforward, but the answers can require some careful soul searching and definitely a lot of personal work. This is why we’re going to go through a list of solutions that will hopefully embolden you to change the way you think about money and empower you to attract more:

1. Dig Deep to Uncover What You’re Manifesting as Financial Abundance

If you’ve ever heard about the law of attraction, know that it’s not just another theory flung around by modern pseudo-thinkers, but it’s actually the way things work in life. If you believe and want something for yourself, the universe will make way and get it closer to you. It will remove all obstacles and eventually send you the right opportunities that can help you open the doors you want. 

However, if you know what you want and have a clear vision of how your financial life could look like for you, but your reality still doesn’t reflect that it must be that somewhere in your subconscious you don’t actually believe you can achieve it. In other words, what you actually believe is that you’re unworthy of having financial wealth. This is where you need to start digging deep with the goal of discovering your financial blueprint. We all have blueprints that guide us through every aspect of life and your money-related one was probably developed in your childhood. 

Try to remember what your financial education felt like, how your parents felt about money and what they felt they deserved money-wise. Write every new discovery down and read it again every time you need to stop your negative brain from taking charge. This is a good first step to unlocking the financial abundance you always wanted for yourself.

2. Work On Dismantling Old Beliefs and Replacing Them With New Ones For Financial Freedom

Once you’ve got the answers to all these questions, it’s time to look at your life and see how these beliefs manifested themselves without a shadow of doubt throughout your life. Once you become aware of the power these toxic thoughts had on you, you can start dissociating from them and bid them farewell. 

It’s okay to want more and it’s even healthier to start thinking you deserve it. Of course, this won’t happen overnight, but as long as you start telling yourself empowering words daily, you will manage to rewire your subconscious in a way that’s more financially supportive. This is a process that takes time and progress may not always be straightforward. Old beliefs will sometimes creep into everything you approach financially, so it’s important to take notice of them and stop them in their tracks.

3. Let Abundance Flow Into Other Areas of Your Life As Well For Financial Prosperity

Abundance is abundance, no matter what areas of your life you are manifesting it in. If financial abundance is taking a little longer to attract, know that if you start embodying abundance in other areas too, your overall vibration will rise and will make room for higher financial grounds too. 

What you need to do in order for this to happen is to commit to living your life with an emphasis on adding more value to others. As soon as you start giving recognition, praise, inspiration, and support to others, you’ll start feeling a lot more grateful for what you have and you’ll tap into that inner wealth that will eventually build more positive emotions for you. If you give out of a place of genuine generosity, you will receive just that – generosity a hundred times back.

These tips are only the stepping stones on which you can envision and create a better financial future for yourself. Additionally to this, you also need to stop making excuses for yourself, even for life’s more trivial activities, and to commit to offering yourself the best possible version of life because you truly feel you deserve that and nothing less. Don’t settle, don’t compromise, practice gratitude, empower others and work hard on changing your blueprints. The rest will soon fall into place.

About the Author

‘Claudia Spataru is a free spirit located in Bucharest, Romania and always in search of answers to life’s greatest questions. She loves to understand how people work, what makes them tick and find ways to help them reach higher grounds. She adores the sea, traveling and laughing.’

Why Does Financial Abundance Feel So Far Away and What Can You Do About It

Top 15 Positive Feelings Words and Positive Emotions

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Find below a list of the top 15 positive feelings words. The list is made based on the research and accumulated knowledge of Positive Words Research.

Top 15 Positive Feelings Words and Positive Emotions

 1. Grateful

In this category, are include positive feelings such as appreciation (being appreciative and appreciated), thankfulness (being thankful), gratitude.

2. Joyful

In this category, are include positive feelings such as contentment, cheerfulness (being cheerful), happiness (being happy), laughing, funniness, delight (being delightful).

3. Relieved

In this category, are include positive feelings such as relaxation (being relaxed), letting go, forgiveness, security (being secure), safety (being safe), satisfaction (being satisfied), comfort (being comfortable), acceptance, well-being, ease.

4. Free

In this category: being free, authenticity (being authentic), financial freedom, creativity (feeling creative).

5. Peaceful

In this category, are include positive feelings such as equanimity, awareness, clarity, mind emptiness, centered, calm, serenity, meditation, tranquility, feeling peace in your mind on a constant basis (mind peacefulness).

6. Loving

In this category, are include positive feelings such as kindness (being kind), loving-kindness, love, warmth, loving affection, generosity (being generous), self-love, feeling the love of all things, heartwarming, feeling the love in your heart, feeling lovable.

7. Hopeful

In this category, are include positive feelings such as good hope, positive expectation, trust, optimism (being optimistic), positive thinking (using positive words), positivity, positive attitude.

8. Purposeful

In this category, are include positive feelings such as feeling mission oriented (that you have a mission in life), feeling that you have and know your life purpose, knowing your short term and long terms goals.

9. Connected

In this category, are include positive feelings such as connectedness, openness (being open), sociability (being sociable), friendliness, larger than yourself, feeling that your heart is connected with the hearts of all alive people, mindfulness.

10. Confident

In this category, are include positive feelings such as beautiful (inside and out), successful, accomplished, fulfilled, pride (being proud), self-confidence, feeling powerful, inner smile.

11. Curious

In this category, are include positive feelings such as curiosity, interest, passion, exploring, adventure, discovering, learning, inspiration (being inspired).

12. Enthusiastic

In this category, are include positive feelings such as enthusiasm, innocence, pleasant surprises, the feeling that some things are a miracle, excited, amazement (being amazed), euphoria, awed, stunned.

13. Healthy

In this category, are include positive feelings such as vitality, aliveness.

14. Spiritual

In this category, are include positive feelings such as spiritual, bliss (being blissful), greatness, enlightened, feeling unlimited, feeling the perfection of all things as they are, feeling infinite, feeling the Divine.

15. Prosperous

In this category, are include positive feelings such as abundance (feeling abundant), the feeling that your needs are met in a happy, kind way.

Source of the featured picture: 1

For more positive feelings words check out this list of positive words.

How to Make Writing an Essay Brings Only Good Emotions

Best 94 Affirmations for Financial Prosperity and Abundance

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Find below 94 affirmations for financial prosperity. These money affirmations will change what your brain thinks about financial abundance. The prosperity affirmations will change your thoughts from thinking scarcity to thinking abundance and you will attract very fast financial prosperity.

Repeat and reflect constantly on the below affirmations for financial prosperity and you will for sure increase your energy for attracting money.

  1. I love financial abundance.
  2. I love financial abundance and financial abundance loves me.
  3. I am grateful for financial abundance.
  4. I am grateful for financial abundance and financial abundance is grateful for me.
  5. I am financial abundance.
  6. I am blessed with financial abundance.
  7. I am a magnet for financial abundance.
  8. I choose financial abundance.
  9. I have financial abundance.
  10. I affirm financial abundance.
  11. I appreciate financial abundance.
  12. I attract financial abundance.
  13. I have financial abundance in every detail of my life.
  14. Financial prosperity is blessing me.
  15. The energy of financial abundance is blessing me.
  16. God is blessing me with financial abundance.
  17. God has blessed me with financial abundance.
  18. I have enough financial abundance.
  19. I have more than enough financial abundance.
  20. There is an abundance of financial prosperity and it’s on its way to me.
  21. I am a financial prosperity magnet.
  22. I am receiving financial abundance every day.
  23. Thank you. Thank you. Thank you for financial abundance.
  24. I have plenty of financial abundances.
  25. I can afford financial abundance.
  26. Financial prosperity comes easily and frequently.
  27. I am good at financial abundance.
  28. I have always been able to be financially abundant.
  29. I have always been able to have financial abundance.
  30. I am very good at receiving financial abundance.
  31. I am very good at welcoming financial prosperity.
  32. I am very good at attracting financial abundance.
  33. I love my financial abundance.
  34. My financial abundance is good.
  35. I am always financially abundant.
  36. I am a very good financial abundance maker.
  37. I can see easily, clearly and effortlessly my financial abundance.
  38. It is easy for me to make financial abundance.
  39. Financial abundance seems to stay in my hands.
  40. Life is full of financial abundance.
  41. I embody financial abundance.
  42. Money flows effortlessly into my life.
  43. I am open and willing to allow financial abundance to come to me.
  44. Financial abundance flows to me from multiple sources.
  45. May I be blessed with financial abundance.
  46. Financial abundance is there and I tune myself to it.
  47. Financial abundance is my birthright.
  48. I love money.
  49. I love money and money love me.
  50. I am grateful for the money.
  51. I am grateful for money and money is grateful for me.
  52. I am money.
  53. I am blessed with money.
  54. I am a magnet for money.
  55. I choose money.
  56. I have the money.
  57. I affirm the money.
  58. I appreciate the money.
  59. I attract money.
  60. I receive money with every detail of my life.
  61. Money is blessing me.
  62. The energy of money is blessing me.
  63. God is blessing me with money.
  64. God has blessed me with money.
  65. I have enough money.
  66. I have more than enough money.
  67. There is an abundance of money and it’s on its way to me.
  68. I am a money magnet.
  69. I am receiving money every day.
  70. Thank you. Thank you. Thank you for the money.
  71. I have plenty of money.
  72. I can afford the money.
  73. Money comes easily and frequently.
  74. I am good at money.
  75. I have always been able to be good with money.
  76. I have always been able to have money.
  77. I am a very good money manager.
  78. I am very good at handling money.
  79. I am very wise about investing money.
  80. I love my money.
  81. My money is good.
  82. I am always receiving more opportunities to make money.
  83. I am a very good money maker.
  84. I can see clearly my money.
  85. It is easy for me to make money.
  86. Money seems to stay in my hands.
  87. Life is full of money.
  88. I embody money.
  89. Money flows effortlessly into my life.
  90. I am open and willing to allow money to come to me.
  91. Money flows to me from multiple sources.
  92. May I be blessed with money.
  93. Money is there and I tune myself to it.
  94. Money is my birthright.

Positive Words Research – 94 Affirmations for Financial Prosperity

Financial Success

Top 7 Basic Rules for Financial Prosperity And Abundance

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The level of your financial prosperity influences your level of well-being. The result of an experiment performed on wealthy people says that your happiness level is strongly correlated with your money until you are able to generate 5000 euros a month. Above this figure, your happiness does not depend on your money anymore, if  you keep this flow steady.

But how do you generate 5000 euros a month and even generate more, so that you can fully focus on other sections of your life?

Lack of financial education is the main reason why people don’t have money. You will learn all your life how to reach financial success or financial freedom, but there are top 7 basic rules for financial prosperity. Your wealth depends on, you, actually applying, in reality, the below rules. The rules are written according to their importance, from first place to last place.

1. Pay yourself first for financial prosperity

Pay Yourself First is the central message of the book “The Richest Man in Babylon” by George Samuel Clason. This money rule is written in only three words (pay, yourself, first), but not many people understand what it actually means and why you should respect this rule. You will better understand if you say it like this: Pay Your Future Self First. When you pay, in the present, to your future self, you are actually paying your present self, because very soon, your future self will become your present self. Therefore, you are actually paying to have money in the present. Paying Yourself First means putting at least 10% – 15% from every income that you receive, in savings.

Other very important reasons to Pay Yourself First:

  • Pay yourself first so that you have money to invest. You cannot invest if you do not have money to invest. See more details about how to invest at section 4 below.
  • Pay yourself first to obtain mental relief relating to having/not having money to survive, for yourself and your family.

2. Cost monitoring for financial prosperity

Keep track of all your expenses. At present, the best and simple way to do this is by writing in an excel all your expenses and then putting this excel in onedrive. In this way you will have the excel everywhere you are (mainly either at work or at home) so you can quickly update it.

3. Tithing for financial prosperity

Tithing is giving away 10% of the money that you receive. This rule is again understood poorly. Three aspects will clarify this:

  • Give money to receive money. You get what you give. Give presents, receive presents. Give products, receive products. Give services, receive services. Give money, receive money.
  • 10% is not too much. If you feel 10% out of 100 $ is too much, then you will feel 10% out of 1000000 $ to be enormous. You need to train yourself to feel ease to just give money and also never see how that money is spent so that you receive with ease money and nobody should be concerned how you spend it.
  • Give the money without emotion. You give the money with emotions, you will receive money with emotions. Therefore, you make the process harder, not simpler. Money is simple: give money and receive money. It is a simple flow. Put emotion in it (even positive) and you will just stiff the process.

4. Invest for financial prosperity

Learn to invest and actually, invest. What investments should you have:

  • Have investments in cash in the long term as bank deposits, always. Cash is a property in itself.
  • Have investments with low risk (like bonds and state certificates) in the long term.
  • Have a property and rent it (like an apartment).
  • Start a business: make a website, make an online store, write a book, produce services, sell something.
  • House. If you buy a house to live in it, that is not an investment. If you rent a room in your house then the house becomes an investment. If you rent the entire house then the house becomes an investment.
  • Car. If you buy a car for fun or for going from work back to your house, this is not an investment. When you buy a car for your business and you notice an increase in your revenues, then that is an investment. If you buy a car for your business, but that car is for an employee that does not bring you more money than that is a cost, not an investment.
  • Yourself. If you invest in yourself, but you do not make more money, then you are not investing in yourself, you are just consuming.

In investments is good to learn all that you can about compounding effect. This is related to how money grow when you invest on the long term. Besides this, there are two very important rules to consider in investments:

An investment is something that makes you money

Very few people actually understand this. People say: the best investment that I could ever make is in myself. Then they go and buy all kind of stuff for themselves like clothes, subscriptions to gym, food, training etc. But they don’t link it with the extra money that they gain following all these expenses. If you say you invest in yourself, but you do not produce more money (or you do not produce money at all), then you are not investing in yourself. When you pay for a training (an online course lets say) and in the next year your income is not growing, then you did not invest in yourself. That training will always remain a cost for you, it is not an investment. Before you make an investment, you need to be able to say approximately how much increase in your cash you expect this to bring you. Otherwise, it is not an investment, it is only a normal cost.

In the medium to high-risk investments always only invest the money you are willing to lose

Never invest the money that you are not willing to lose when dealing with investments that are evaluated as having medium to high risk. Manage the risk and keep it as safe as you can keep it. Risk high only the money that you are clearly willing to remain without them 100%. If you have 2000 $ and you feel that you can not lose 1000 $ then do not invest 1000 $, or more. Invest less. Invest 100 $. If from 2000 $ you feel that you can only afford to 100% lose only 50 $ then invest only 50$. Then win in this investment of 50 $, by producing constantly 0.5 $ a month and you can consider that you realistically learned how to invest. Then you can invest more, but only if (again) you are willing to lose your next investment.

5. Net wealth monitoring for financial prosperity

Always keep track of your net wealth. Make a monthly computation (for example on 20th of every month) of your net wealth. Net wealth equals assets minus liabilities. To better understand net wealth consider the following formula: the current value of all things that you own (you need to check if you are able to sell your properties if there is a market for your items) minus all your debts.

6. Increase your revenues for financial prosperity

This rule is very important and very basic rule for financial prosperity but it’s not more important than the above rules. Because prosperity is the accumulation of wealth. Wealth is actually net wealth. Net wealth is not revenues (see above section 5). And new wealth is built in time. You should be able to accumulate wealth, this will make you have money. An increase in revenues, without the ability to accumulate wealth, will only make you have more costs.

7. Money mindset for financial prosperity

Money mindset refers to thoughts you have about money. So what do you think about money? Are those thoughts blocking or welcoming/allowing/creating money. First, you need to learn that you have blocks in welcoming abundance and you need to put an effort in releasing these blocks. Second, you need to think highly and wisely about money. You need to start saying to yourself affirmations such as: “My income is constantly increasing. I have a millionaire mind. I am one with an enormous amount of money. Money is fun. Money is easy. I always feel that money will come. I get paid for being me.” For you to understand these affirmations you need to start reading a lot about topics such as financial education, financial success, financial prosperity, financial abundance, financial prosperity, financial freedom, net wealth and many other related terms.

The most useful program for obtaining progress with your money is “The Spiritual Laws of Money” by T. Harv Eker. Did you find this article useful? Comment below.

Positive Words Research – Top 7 Basic Rules for Financial Prosperity

Financial Success

How The Antidote for Depression Are Positive Words

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The thought pattern of people who suffer from depression does not contain positive words. The simple intention of integrating positive words in their thoughts would gradually convince the brain to give up depression patterns. However, this integration process causes a lot of resistance as the brain is very attached to this negative, destructive structure. By negative structure I mean the tendency to interpret an event by linking it to a negative affirmation, thus drawing conclusions or making generalizations which usually lead towards an unfavorable state of mind and spirit.

Are words important in depression?

The depressive people notice very easily the negative comments in a conversation or a text and they do something that is even more dangerous for the brain: they keep these negative words in their mind for longer periods of time. The memorized negative words are reinforced once in a while, either by being formulated again as a thought or by being said to the people around. This rethinking of profound negative words is one of the pillars of the foundation that gives depression its huge power. The other pillar is the resistance to incorporate strong positive words into their thinking.

Depressive people have a high resistance towards considering positive words as extremely powerful for their well-being and happiness. They consider negative words more accurate in expressing the reality and positive words as a lie to oneself. The word “gratitude” for example is highly rejected by the brain of the people who suffer from depression. There are also other positive words with a high degree of optimism that can blast the negative energy of the brain in a couple of seconds: awesome, blissfulness, magic, serenity. These words are missing from their vocabulary and whenever someone expresses them, depressive people consider them a lie, as belonging to a different reality than the one perceived by them. This proves that positive words are not a part of the awareness of depressive people and incorporating such words in their conscious thinking until they become comfortable with using them, will cure these people of depression. Still, this is not an easy task, because depressive people tend to have the brain very attached to their depressive thinking patterns.

How do positive words help depression?

A realistic solution would be to rewire the brain, starting from the level of rational thinking. The best way to do that is by following a therapy such as REBT promoted by Albert Ellis in his book of self-therapy “Guide to a rational living”. Through this type of therapy, the person will have to put under question their most profound negative beliefs, which most of the time are simple sentences that contain an exaggerated negative word. This will give to the person a period in which he will diminish the power of those negative words over his brain and body. Then, the person can incorporate more easily positive words in his thinking until they don’t feel so strange and separated and slowly these words will start to feel very true and comfortable to be used.

As the best known and popular energy clearer and healer Christie Marie Sheldon said: „Truth is light and lies are heavy”, positive words feel light and negative words feel heavy. It was even scientifically demonstrated that negative words contain more information that positive words, but words with more information do not mean that the information reflects the truth. Usually, the lies are scenarios full of alembicated and complex details. People give such complex details when lying because they feel the need to misguide the listener so as to cover the feeling that the story is a lie.  But people who are in touch with their intuition will feel very quickly the lie and tell it like it is. Truth feels light, no heaviness around it.

Depressive people are very attached to this pattern of digging through a lot of information to find the truth. Most of them are not people who base their decisions on intuition. They are not in touch with their intuition and do not consider it to be real and worthy to be taken into consideration when judging things and making decisions. When faced with a situation, they block their intuition that would help them distinguish between truth and lie faster and easier. Thus, they start searching for the truth by analyzing the lies. They find the truth eventually, but the process is heavy, very emotional and the price paid is depression.

How can they find the truth by analyzing the lie?

It happens because they use the duality law, one of the universal laws that govern planet Earth. Lies and truth are two faces of the same coin. Analyzing one side, resolving the puzzle of one side, makes you see the other side, as a reflection of the first side. So the purpose of analyzing the negative side of the coin by depressive people is to find the truth. It is the same purpose as the one that everyone has, to see the truth. Positive thinking people find the same truth but use positive thinking. The only difference is in the way they feel. They feel happiness, not depression. Depressive people do not trust this way of perceiving the truth. And it is understood because only a few years ago science started analyzing how to think positively (See PERMA, the science of happiness, the science of gratitude, the science of blissfulness and awesomeness).

Because people do not know exactly how to think positively, the rules are not clear, they have resistance towards depending on this way of thinking in their day to day activities. At the end of the day, it is about results and finding the truth. If you do not know how to think positively, you cannot reach your purpose and find the truth. So the price of depression is paid for the awareness of the truth.

But this agreement with the Source (Source is a term used very often in spirituality) will soon come to an end. A new price will be negotiated: the price of happiness. People all around the world are beginning to pay the happiness price more and more. You need to be happy and offer happy energy in order to get things. This will be the new order on Earth.

Why do we have this price to pay if the Source is good?

This is an agreement made only for the planet Earth. The „rule” is incorporated only in the matrix of planet Earth, is not a universal rule. Once you enlarge yourself more than Earth’s barriers you become aware that is only on Earth.

Anyway, we got into more spiritual debates than planned, so to conclude, here are some practical solutions.

If you suffer from depression or you know someone who suffers from depression take this into consideration:

  • The state called “depression” has 2 main components;
  • If you eliminate these 2 components you will cure yourself of depression;
  • The 2 components are usage of negative words and lack of positive words;
  • Practical solutions: question very hard your negative words and incorporate positive words in your thinking.

How to question your negative words? 

Notice the negative words that you use. Write down the sentences that contain that negative word. Ask yourself: Why is this true? Where is this written? Where do I know it from? Must this be true? Am I obliged to think that this is true?

How to incorporate positive words in your thinking? 

You incorporate them by learning. Here is a list of positive words to start from.

Comment below and let me know about your struggles with depression, either you were or still are depressed. Or maybe you know someone who is depressed, maybe someone from your family.

My personal experience with depression 

In my case, (Elena, the founder of Positive Words Research) I suffered from depression and someone from my family is under treatment for depression, my mother. One reason for which I stated so many times in this article that depressive people are very resistant to positive words is because I have the experience with my mother. Her brain is very resistant to positive words. She finds positive words useless in life, the same as she finds a lot of beautiful things in this world as being useless. One of the things that depression deprives you of is seeing the beautiful things around you. Depressive people cannot become aware of the beautiful things that surround them in every moment of the life. They are blind to beauty. From time to time they spot beauty and enjoy it but they don’t consider it as a long-lasting reality. For them, beauty lasts for a short period of time.

But we live in abundance! As Wayne Dyer used to say, may he rest in peace: „Abundance is not something we acquire, it’s something we tune into.” And also “Abundance is not the destination, abundance is the way”, similar to what Buddha said, „Happiness is not the purpose, happiness is the way.”

Thank you, reader, for using positive words in your thinking. I love you for this. You do not let depression manifest in your body. You are awesome!

My biggest dream is to introduce the study of positive words in schools all around the planet to be learned by kids before going to faculty. Why? Because positive words are the key ingredient for positive thinking!

Simple and very practical: memorize positive words and start making sentences with them.

Even the negative sentences created with a positive word are powerful. This is one of the reasons why people even give their lives in masses when they incorporate this sentence in their brain: „War for peace”. As peace is a very powerful positive word, the brain focuses more on peace and less on war, paying the price. But as Mother Theresa said: „I will never participate in anti-war demonstrations, but I will always participate in pro-peace demonstrations.”  For peace, people will pay the ultimate price, which is their life, through war. The purpose is the same for all people: the peace, the good, the happiness. Only that the ways to reach these goals are different.

Something that I treasure very much and that I learned from my profession as a financial auditor was: Achieve results because you are evaluated based on your results, but achieve them by doing the right things, with integrity, hard work, and personal ethics.

Happiness will be the right thing to do. Happiness and abundance are the way to do it right. You are worthy to live your life like this!

Positive Words