Eastern philosophy is based on the principle of balance. The symbol of yin / yang illustrates the theory. (If you can not imagine this symbol, a Google search will bring you more pictures of the Yin / Yang.) Night and day, good and evil, joy and pain, inner strength and physical strength examples of opposites that everyone needs other to maintain balance.
The approach often used in personal financial planning focuses on a rigid set of rules thatworks well in business budgeting but not too often when they are used by people. In developing a business plan of the primary days running costs such as rent and utilities are first identified. Then the next level of cost is listed, and so on. After all expenses prioritized in this manner enables a systematic reduction of the costs if the income is not achieved.
Individuals are asked to do something similar. Review all personal expenses, and categorize them into twoCategories, "needs" and "wants" to make a table.
After you pay for all "must", you can then decide what will, "" can use the money in accordance with the "needs" are met paid left. Not people to meet their goals with this system for several reasons:
We live in an "instant gratification" society. We are asked to buy now and pay later, the distinction between "needs" and "wants" difficult.
The stiffness of the partitioning, all spendingindicate in a table form, which is a measure of discipline that have only a few people.
No cost fits seamlessly into both categories. For example, you can pay $ 500.00 a month in rent or $ 5,000.00 per month. There is no question that you "need" a place to live, but it is certainly a "want" component in determining how expensive a place to live in. You decide to
The development of this table is an effective starting point, finally, it is not the goal of improving your financialGood to know, without health, your current position. It is here the concept of balance is coming into play.
Visualization is Yin / Yang in the head, the black half of your "needs" and is the white of the "wants". There is fluid in the boundary between the two halves of the circle. The "needs" and "wants" in your life, not only constantly back and forth, the cross, but straddle the border.
It is only after this fluid, you can see, understand what you need to do and to focusto begin to implement the changes.
If you are on the improvement of personal finances, you must acknowledge that it's going to be time to take seriously. No major changes in life happen overnight. It is also not so easy, and mistakes are made. Is it surprising that the Oriental philosophy also applies endurance in high esteem?
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