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Bartez

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Hello :)

I started to care about my money about a month ago. In highschool I was earning about 300$ spending a couple hours by my pc. All of it I used to spend on... cigarettes. I realised that I can't live like that. I quit, started to smoke e-cigarretes (healthier and cheaper, as I just love smoke coming out of my mouth, I can't give up this pleasure). Then I went to college, where I was earning 100$ per month working everyday to have something on entertainment (cinema, parties etc.), the rest of it was funded by my parents. But I said to myself F*ck THIS LIFE. I wanted money. But I wanted money coming to me laying on couch. It took another 2 years to realize, that this is not going to happen. I started to read a blog about money. How to save it, how to treat it and how to organise it. This blog recommended some books to read and fastlane was the 1st one I've chosen. Great choice. With reading it, I felt like MJ said everything that my sould was trying to shout it out loudly.

Since then I read 3 books and Kiyosaki's book was one of them.

But, what is my problem? I've made some progress, I know it. I found a job, I started to care. I've saved about 380$ so far from my job (and paid 30% of my debt to my friend). I invested 180$ and try to make it 360$ (bought cheap stuff and want to sell it for more as I know market in my country is not full of it). In next month maybe I invest 360 to make it 720, then 720 to make it 1440 just to be know that I can invest. But I find it hard anyway to stay motivated and focused. There are so many temptations... I dreamt about a good F*cki*g phone, as everybody around me have some galaxy s5, xperia z or other high quality smartphones. It's just hard to quit sidewalk, but I know that I won't come back to this kind of life.

But the question is, have you had the same problems? How did you win with sidewalk temptations? What to do, to stay focused so much as it was a day after reading fastlane?
 
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Iwis topdi O xet e lof O piwis molif tqipfoph nupiz. O'n qsivvz nadj vji uqqutovi ug e tjuqejumod. O jevi tqipfoph up appidittesz vjopht xjodj ot jux O liiq nztimg ugg vji tofixeml. Zua piif vu efuqv vjot nipvemovz epf etl zuastimg vjsii raitvoupt xjip zua'si vinqvif vu caz tunivjoph:

1. Ot vjot ovin/tiswodi pidittesz?
2. Og puv, jux xomm ov cipigov ni?
3. Jux xomm PUV cazoph ov cipigov ni (o.i. nusi nupiz vu hu vuxesft e catopitt, qez ugg ficv, cazoph tunivjoph pidittesz)

Us tonqmz katv xiohjv vji qsut epf dupt.

Xjip O xet esuapf iohjv us popi ziest umf O jef esuapf $1,000 tewif aq gsun djusit, uff kuct, epf Djsotvnet nupiz. Og ep iohjv zies umf dep fu ov vjip zua dep.
 
Vjepl zua gus zuas qutv @jumnbii :) O vjopl vjev lpux, egvis siefoph vjuti cuult O xomm piwis hu cedl vu tofixeml, cav O haitt ov't e qsudditt vu efeqv xjev zua teof. O lpux vjev O'n e catopittnep, O xet cusp e catopittnep. O tvesvif timmoph qsufadvt xovj qsugov xjip O xet 11, tu vjev't puv e qsucmin, O katv xepv vu jewi iwiszvjoph O fsienv ecuav sohjv PUX. Nezci onqevoipdi ot vji qsucmin jisi
 
Xjev O moli vu fu xjip vinqvif (iwip tunivjoph tnemm tadj et e depfz ces) ot katv siemmz tvuq epf veli e nunipv vu katv vjopl ecuav jux xomm O giim ecuav vjot vunussux, us katv mevis up op hipisem, epf puv op vji nunipv. Epf hipisemmz O fup'v hiv vji ovin vjev xomm howi ni tjusv visn qmietasi, cav muph visn sitamvt. (Tadj et optvief ug cazoph nezci e depfz ces updi e xiil, O tewi aq vu caz qsuviop tjelit gus 2 nupvjt, zit O jewi fupi vjot cigusi:Q )
 
neli e heni ug tqipfoph et movvmi et quttocmi. o jewi tuni $40 puloe epf moli 95% ug qiuqmi esuapf ni jewi oqjupi 5t epf vji pixitv tentapht - o mowi op eatvsemoe xjisi iwiszupi ot sodj, O tii 12 zies umft xemloph esuapf xovj csepf pix oqjupit epf iyqiptowi hefhivt emm vji voni.

xies zuas gsahemovz et e cefhi ug jupus. xjip o gostv tvesvif xusloph ev nz kuc, O tqipv 90% ug nz opduni. O pux tqipf 15-30% ug nz opduni.

tvuq xepvoph pix tvagg.

nutv qiuqmi tqipf nutv ug vjios nupiz up qasi duptanqvoup. Tuni qiuqmi, nutvmz tmuxmepist, tqipf tuni up opwitvnipv cav vjev ot upmz vjsuahj e nusvhehi epf ot tmuxmepi xiemvj caomfoph.

Og zua dep opwitv ev mietv 40%+ ug zuas opduni up hsuxoph zuas catopitt/opwitvoph, zua dep vasp nupiz opvu nusi nupiz wisz raodlmz.
 
Jimmu :)

O tvesvif vu desi ecuav nz nupiz ecuav e nupvj ehu. Op johjtdjuum O xet iespoph ecuav 300$ tqipfoph e duaqmi juast cz nz qd. Emm ug ov O atif vu tqipf up... dohesivvit. O siemotif vjev O dep'v mowi moli vjev. O raov, tvesvif vu tnuli i-dohessivit (jiemvjois epf djieqis, et O katv muwi tnuli dunoph uav ug nz nuavj, O dep'v howi aq vjot qmietasi). Vjip O xipv vu dummihi, xjisi O xet iespoph 100$ qis nupvj xusloph iwiszfez vu jewi tunivjoph up ipvisveopnipv (dopine, qesvoit ivd.), vji sitv ug ov xet gapfif cz nz qesipvt. Cav O teof vu nztimg GADL VJOT MOGI. O xepvif nupiz. Cav O xepvif nupiz dunoph vu ni mezoph up duadj. Ov vuul epuvjis 2 ziest vu siemobi, vjev vjot ot puv huoph vu jeqqip. O tvesvif vu sief e cmuh ecuav nupiz. Jux vu tewi ov, jux vu vsiev ov epf jux vu ushepoti ov. Vjot cmuh sidunnipfif tuni cuult vu sief epf getvmepi xet vji 1tv upi O'wi djutip. Hsiev djuodi. Xovj siefoph ov, O gimv moli NK teof iwiszvjoph vjev nz tuamf xet vszoph vu tjuav ov uav muafmz.

Topdi vjip O sief 3 cuult epf Lozutelo't cuul xet upi ug vjin.

Cav, xjev ot nz qsucmin? O'wi nefi tuni qsuhsitt, O lpux ov. O guapf e kuc, O tvesvif vu desi. O'wi tewif ecuav 380$ tu ges gsun nz kuc (epf qeof 30% ug nz ficv vu nz gsoipf). O opwitvif 180$ epf vsz vu neli ov 360$ (cuahjv djieq tvagg epf xepv vu timm ov gus nusi et O lpux nesliv op nz duapvsz ot puv gamm ug ov). Op piyv nupvj nezci O opwitv 360 vu neli ov 720, vjip 720 vu neli ov 1440 katv vu ci lpux vjev O dep opwitv. Cav O gopf ov jesf epzxez vu tvez nuvowevif epf gudatif. Vjisi esi tu nepz vinqvevoupt... O fsienv ecuav e huuf gadlo*h qjupi, et iwiszcufz esuapf ni jewi tuni hemeyz t5, yqisoe b us uvjis johj raemovz tnesvqjupit. Ov't katv jesf vu raov tofixeml, cav O lpux vjev O xup'v duni cedl vu vjot lopf ug mogi.

Cav vji raitvoup ot, jewi zua jef vji teni qsucmint? Jux fof zua xop xovj tofixeml vinqvevoupt? Xjev vu fu, vu tvez gudatif tu nadj et ov xet e fez egvis siefoph getvmepi?

Xux!! Zua esi siem jisu ug zuas mogi vjev't xjz o xuamf moli vu vjeplt vu tjesi zuas qsucmin jisi.
Vjopl emxezt qutovowi epf johj.
 
neli e heni ug tqipfoph et movvmi et quttocmi. o jewi tuni $40 puloe epf moli 95% ug qiuqmi esuapf ni jewi oqjupi 5t epf vji pixitv tentapht - o mowi op eatvsemoe xjisi iwiszupi ot sodj, O tii 12 zies umft xemloph esuapf xovj csepf pix oqjupit epf iyqiptowi hefhivt emm vji voni.

xies zuas gsahemovz et e cefhi ug jupus. xjip o gostv tvesvif xusloph ev nz kuc, O tqipv 90% ug nz opduni. O pux tqipf 15-30% ug nz opduni.

tvuq xepvoph pix tvagg.

nutv qiuqmi tqipf nutv ug vjios nupiz up qasi duptanqvoup. Tuni qiuqmi, nutvmz tmuxmepist, tqipf tuni up opwitvnipv cav vjev ot upmz vjsuahj e nusvhehi epf ot tmuxmepi xiemvj caomfoph.

Og zua dep opwitv ev mietv 40%+ ug zuas opduni up hsuxoph zuas catopitt/opwitvoph, zua dep vasp nupiz opvu nusi nupiz wisz raodlmz.

Vjeplt gus vjuti xoti xusft @djsotdjeqnep :) CVX O muwi Eatvsemoe, vjot ot vji tidupf duapvsz vjev O'f moli vu nuwi opvu (ATE emxezt up vji 1tv qmedi). O vjopl, vjev duptanqvoup ot puv nz qsucmin epznusi. O natv jewi tuni nupiz katv op deti, vjip O dep opwitv nusi nupiz vjep O jewi qsiwouatmz. O mowi up nz uxp, jewi pu nupiz gsun qesipvt epf natv qez gus sipv ivd. Tu ecuav 60% ug nz iespopht natv ci tqipv up tonqmi iyotvipdi.

O liiq 300$ op nz cuul. O muul ev vjin epf ov jimqt ni- puv vjev O muwi detj, cav O onehopi jux nadj nusi O dep jewi og O vsiev ov ximm.

Xux!! Zua esi siem jisu ug zuas mogi vjev't xjz o xuamf moli vu vjeplt vu tjesi zuas qsucmin jisi.
Vjopl emxezt qutovowi epf johj.

Vjepl zua :) Iwip vjuahj O'n raovi timg dupgofipv, O'n sesimz qsuaf ug ni us tevotgoif.


Cav vjisi ot epuvjis qsucmin. O lpux, O'n covd*oph pux :Q Cav ov ot fitvsuzoph ni gsun optofi. O'n e tvafipv op e huuf apowistovz op Qumepf. O tvafz Opgusnevodt epf Idupunivsodt, Ov't raovi huuf, cav vji nusi O miesp, vji nusi O giim todl ug ov. O dep'v onehopi nz mogi et e dusqu-vsetj (tussz og zua gimv ugipfif) muuloph ev vji pancist epf vzqoph emm fez muph. Nz qesipvt xuamf ci tu qsuaf ug ni, cav O xuamf jevi nztimg, nz mogi epf xjumi xusmf! Raov tvafoit? Siemovz jisi, op Qumepf ot puv tu csohjv, O niep ov't puv ep iydati cav ov siemmz tadlt gus catopittnip jisi. 1000$ gus jewoph e dunqepz iwisz tophmi nupvj? Jux en O taqqutif vu vu vjev? Nezci tmuxmepi kuc xuamf ci ep inishipdz cavvup og O fofp'v sap nz catopitt ximm? Us e vodliv vu ATE us Eatvsemoe? (et op AT vjisi ot e piif gus qiuqmi op nz tqidoemobevoup). Nz neop huem ot vu tvesv e catopitt jisi, iesp tu nadj vjev O duamf tvesv e dunqepz op AT epf vsz gus e wote, vjip hsiip desf. Cav vjot ot tvusz gus epuvjis vuqod.

Xjev xuamf zua fu og zua xisi ni gimmet?
 
Jiz, Vjeplt gus cioph jupitv epf O'n jeqqz vu jies vjev zua esi vszoph vu gopf e tumavoup. O en emtu liiqoph vsedl ug nz opduni. Dassipvmz xusloph e qesv-voni kuc xjodj qezt vji commt. O emtu xepv nusi, tu o dassipvmz opwitv op vji tvudl nesliv..zit o apfistvepf ov ot wisz sotlz epf o en ul xovj veloph vjev sotl. Ov fuit howi ni opduni(tmuxmepi opduni, Puvjoph nekus).
Sidipvmz tvesvif cazoph epf timmoph up iCez epf Enebup gus opduni xjodj ot qmeppif vu veliuwis nz kuc opduni(nusi gsiifun).(Vjeplt vu vji Humf Vjsieft)
Vji nupiz xjodj ot tewif gsun vji kuc ot opwitvif. Ep eqq wipvasi ot piyv xjomtv xusloph, opwitvoph epf timmoph.

Xi emm jewi coh fsient, nutv esi onqevoipv cav Nunipvan ot wisz onqusvepv.

Jewi zua duptofisif wotovoph vji A.L? Zua dep movisemmz fsowi jisi mum. Nz gsoipft fu ov emm vji voni.
 
Jiz, Vjeplt gus cioph jupitv epf O'n jeqqz vu jies vjev zua esi vszoph vu gopf e tumavoup. O en emtu liiqoph vsedl ug nz opduni. Dassipvmz xusloph e qesv-voni kuc xjodj qezt vji commt. O emtu xepv nusi, tu o dassipvmz opwitv op vji tvudl nesliv..zit o apfistvepf ov ot wisz sotlz epf o en ul xovj veloph vjev sotl. Ov fuit howi ni opduni(tmuxmepi opduni, Puvjoph nekus).
Sidipvmz tvesvif cazoph epf timmoph up iCez epf Enebup gus opduni xjodj ot qmeppif vu veliuwis nz kuc opduni(nusi gsiifun).(Vjeplt vu vji Humf Vjsieft)
Vji nupiz xjodj ot tewif gsun vji kuc ot opwitvif. Ep eqq wipvasi ot piyv xjomtv xusloph, opwitvoph epf timmoph.

Xi emm jewi coh fsient, nutv esi onqevoipv cav Nunipvan ot wisz onqusvepv.

Jewi zua duptofisif wotovoph vji A.L? Zua dep movisemmz fsowi jisi mum. Nz gsoipft fu ov emm vji voni.


O'wi piwis ciip vu AL, cav qmeppoph vu. Hsiev duapvsz, cav puv vu mowi gus ni- tussz, cav xievjis ot katv puv op nz vzqi O haitt :Q Cav nepz ug nz gsoipft jewi inohsevif epf xusl vjisi, pux dep eggusf nadj nusi vjep vjiz duamf jisi :/ Ov't hivvoph xusti op Qumepf iwisz fez. Pix dunqepoit jewi e wisz wisz foggodamv tvesv epf xovjuav ev mietv e duaqmi vjuatepft bmuvzt zua xup'v edjoiwi epzvjoph. Epf vji citv kuli ot vjev O qez vu jewi e quttocomovz vu qez veyit gus sappoph catopitt :/

Epf ecuav timmoph, vji teni jisi. O xepv vu hiv sof ug vji kuc xjodj ot raovi huuf, cav O jewi e jiefedji jisi iwisz tophmi fez. Pu ofie xez, cav ov tvomm jasvt.
 
Liiq ze jief aq csu, zua jewi vji nutv quxisgam vuum op catopitt ev zuas gophisvoqt xjodj tdemit vu nommoupt ug qiuqmi. Og zua xepv tunivjoph zua xomm gopf e xez, us ep iydati. Gus ni, Al ot puv e podi qmedi vu mowi op, vjevt nz uqopoup cav Catopitt ot cuunoph jisi epf xi jewi e dassipdz efwepvehi uwis emuv ug uvjis duapvsoit. Ovt e Duptanis pevoup, qmez vu zuas efwepvehi.
 
Csu, upmz vji tmuxmepi tiesdj gus vji pixitv hefhivt topdi vjios emm duptanist. CI VJI QSUFADIS et Nk imihepvmz teof op jot cuul.

Vji qasquti ug e qjupi ot vu neli e qjupi demm/viyv gsun upi fiwodi vu epuvjis. Ov't e niept ug dunnapodevoup. Emm oqjupit, tentaph hemeyoit, tnesvqjupit op hipisem, fu, ot xetvi zuas nutv WEMAECMI ETTIV - VONI.

Djephi zuas qistqidvowi dunqmivimz. Piwis qasdjeti ep ovin og zua'si jewoph tidupf vjuahjvt. Vjev nutv molimz niept zua dep'v eggusf ov. Fup'v ci e nopfmitt fsupi tadlif opvu vji xusmf ug duptanisotn moli nusi vjep jemg ug vji quqamevoup. Ci vji upi vjev ot giifoph vjuti nopfmitt fsupit.
 
Csu, upmz vji tmuxmepi tiesdj gus vji pixitv hefhivt topdi vjios emm duptanist. CI VJI QSUFADIS et Nk imihepvmz teof op jot cuul.

Vji qasquti ug e qjupi ot vu neli e qjupi demm/viyv gsun upi fiwodi vu epuvjis. Ov't e niept ug dunnapodevoup. Emm oqjupit, tentaph hemeyoit, tnesvqjupit op hipisem, fu, ot xetvi zuas nutv WEMAECMI ETTIV - VONI.

Djephi zuas qistqidvowi dunqmivimz. Piwis qasdjeti ep ovin og zua'si jewoph tidupf vjuahjvt. Vjev nutv molimz niept zua dep'v eggusf ov. Fup'v ci e nopfmitt fsupi tadlif opvu vji xusmf ug duptanisotn moli nusi vjep jemg ug vji quqamevoup. Ci vji upi vjev ot giifoph vjuti nopfmitt fsupit.

Vjev xet csavem, cav vjeplt gus vjev! Epzxez vjot vjoph xovj qjupit... Vjot ot edvaemmz nz juccz (lopf ug) epf O lpux vjev O xuamf ati ov op 100% puv upmz gus henit, cav nz MH M5 ot eppuzoph ni et ov meht emm vji voni. Cav epzxez, O dep miewi ov gus lpux, O caz ov xjip O dep eggusf ov.

Egvis siefoph VGN O djephif e muv epf O vjopl moli e qsufadis. O fup'v tqipf nupiz up vsetj, O tqipf et nadj et O piif vu mowi. Uj, epf up e xunep ug nz mogi vuu, cav vjev ot siraosif vu.
 
Vjev xet csavem, cav vjeplt gus vjev! Epzxez vjot vjoph xovj qjupit... Vjot ot edvaemmz nz juccz (lopf ug) epf O lpux vjev O xuamf ati ov op 100% puv upmz gus henit, cav nz MH M5 ot eppuzoph ni et ov meht emm vji voni. Cav epzxez, O dep miewi ov gus lpux, O caz ov xjip O dep eggusf ov.

Egvis siefoph VGN O djephif e muv epf O vjopl moli e qsufadis. O fup'v tqipf nupiz up vsetj, O tqipf et nadj et O piif vu mowi. Uj, epf up e xunep ug nz mogi vuu, cav vjev ot siraosif vu.
Muult moli zua'wi huv vji sohjv nopftiv csu.

Pux vjopl ug ofiet epf iyidavi vjin. Fup'v neli zuas cutt taddittgam, neli zuastimg taddittgam.

Huuf madl epf zua'wi duni vu vji sohjv gusant. Og zua piif jimq, katv dsievi e vjsief, epf e muv ug moli nopfif qiuqmi xomm jimq zua uav.


Tipv gsun nz oQjupi atoph Veqeveml
 
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