13 phrases that scare off money

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

These non-magical spells can deprive you of your home, leave you with empty pockets, and at the same time ruin relationships with loved ones.

1. Why read the contract, they are all standard. I sign

Reading contracts from cover to cover is a habit even more rewarding than brushing your teeth. Because if you ignore the toothbrush once, nothing happens. But one unread contract can leave you without money and housing.

Do not take paperwork lightly. Arguments “I didn’t know” and “I didn’t read” are not considered convincing already in elementary school.

Signing the agreement means that you have read the terms and conditions and agree to them, even if you are not.

Therefore, be prepared that one day you will stumble upon unfavorable loan conditions, hidden payments, obligations that you are not able to fulfill. Or forget the phrase about standard contracts.

2. How can you save money and run a budget with a salary of 15 thousand

Under almost every article on saving, you will find commentators who ask how and why they should save if they only have enough income for the essentials. However, if a person with high earnings can still afford indulgences, then a small salary simply obliges to treat spending wisely.

Life under austerity is hard and boring, but if money is always in short supply, it also cannot be called an eternal holiday. So you have to work on two fronts: keep track of finances and increase income.

3. Only 100 rubles, is it really money

By itself, $ 100 is really not the amount that fatally affects your budget. But if you say this phrase more than once a month, it is worth thinking about your approach to finance.

The life hacker has already written how life can change if you save 100 rubles a day.

4. What is the marriage contract? We have love

Today you have love and you are sensitive to the desires of each other, but during the divorce, everything will change. Therefore, if you managed to save something before going to the registry office, go to a lawyer and draw up a prenuptial agreement.

In the end, if you have love, already at this stage it will be clear how fair you are when dividing property and whether you take into account each other's interests. So a prenuptial agreement will protect you from losing money and from choosing a wrong partner.

5. Let's arrange an apartment for my retired mother, pay less taxes

Your young family has been saving money for a long time, your parents from both sides have helped you financially, you are buying an apartment. And then this fatal phrase sounds, which is seasoned with taking care of your money. It sounds logical, in the end, all the same, this apartment will then be inherited by the spouse.

There are too many pitfalls in this scheme to agree to it.

For example, you cannot sell an apartment because it does not belong to you. The situation with the inheritance is also ambiguous: her husband and other children will apply for the property of someone else's mother, and only a piece of housing may be given to the true owners.

In case of divorce, the apartment will not fall into the property to be divided at all: it is someone else's. History knows of cases when one spouse managed to buy an apartment with the premarital savings of the other and register the apartment for his mother. So keep your belongings close to you.

6. Why a will? Family, we will share everything fairly

A phrase from the creators of the marriage contract delusion. You and your brothers and sisters live in perfect harmony and believe that everything will be as your mother wanted: an apartment to someone who already lives in it, a garage and a summer house to someone else, but the third one does not claim anything, they bought her a separate house.

Verbal agreements are so bad because they are easy to break.

There is a great chance that the property will have to be divided into equal parts according to the number of heirs, and no one will take into account who and how much money was given in advance and how what was distributed.

A will is needed not only for the elderly. Let's say you are married, you own a share in your parent's apartment. If you die, your spouse will be able to claim part of your piece of this housing. Even if you are surrounded by decent people, your parents will still have to get nervous. You probably don't want that.

7. Just think, a loan for two years, but I will get a new iPhone right now

Lending is a useful tool if used wisely. For example, your refrigerator is broken. You definitely need it right now, otherwise you will have to eat whatever. In this case, borrowing is appropriate.

The latest phone model does not apply to such necessary expenses, especially if you have the penultimate one in your pocket. In addition, it is important to decide: do you need it because of some extraordinary functionality or because it is new? Status items in general should be treated with caution: they still don't make you your own in a privileged group if you buy them on credit.

8. We're friends, give me the bill, I pay for everyone

What's great about Hollywood movies doesn't always work in life. In a bar, under the influence of alcohol, you feel cool and generous, and tomorrow you will borrow from the same friends for bread. Match your desires with reality before demonstrating consistency.

9. You will give it as you can

Debt is a slippery topic, because it is not clear how to negotiate a refund so that you continue to be considered a good friend and relative, and not an avaricious money lender.

Nevertheless, if the person taking the money does not specify a return period, then do it yourself. For large sums ask for a receipt. This is normal, because the person went to you, and not to the bank, where they would ask for more guarantees.

10. So that people are not ashamed in front of people

You definitely read these terrible stories about poor families, where graduates threw off 100 thousand for a banquet, it was really possible to take a house on the coast for the wedding budget, and parents went hungry for months in order to buy something status for their child.

Here, the inadequacy of spending is obvious, but there are also less obvious things on which it is not at all necessary to spend round sums.

It's not a shame to live within your means, but what people think is already their problem.

11. I'm not a scandalous person, let it be on his conscience

You are regularly cheated by cashiers, you were repeatedly handed faulty goods, you were deceived when concluding contracts, and you are ready to endure this further. You just don’t like to swear, and it’s useless. And instead of a faulty TV, just buy a new one.

This passive attitude definitely makes you lose money and faith in justice. People who violate your rights have no conscience, but you should learn to defend your interests. In the end, the TV can be returned under warranty, and the cashier can be told about the error.

12. We live once

You save up for a down payment on an apartment and have already gotten to the required amount, but you break loose and spend your savings on a game console, phone and vacation. Because housing is a long-term goal of austerity and mortgages, and the joy of shopping can be enjoyed now.

The nuance is that life, though one, is long (if you're lucky) and unpredictable. And if you don't think now about how you will live in 20 years, then it can be very bitter.

13. Yes, a small salary, but calm

You are offered a promotion, but you do not agree: you need to work more in the new place, the responsibility is higher. You can't earn all the money.

By refusing offers to earn more, you are not just marking time, but losing money, since inflation depreciates them. If you do nothing, your salary will soon not be enough to support the lifestyle you are used to.