There is not enough money. Not enough for a long time, and all. Many of us began to get used to this unpleasant thought. Some crisis years, on the contrary, have only provoked, and now they spend it as if it will never come tomorrow. Well, more reasonable ones are looking for new ways to save money, and they are often very successful in their search.
With the beginning of financial difficulties, we often forget that we are not alone in this situation. It seems to many that those around with money are much better. However, this is far from the case, and scientists have conducted quite a few studies on the monetary habits of the population during crises.
The main conclusion of all the research: it is not so important how much money you have, and the state of the country’s economy is not important.
Your attitude to the environment will not depend on the amount of money available. It is much more important for you to postpone regularly.
Richard Wiseman, a psychologist from the USA, found out as a result of a large-scale study that people save less during crises, not only because they have less money, but also because they no longer have a specific goal.
Most people, with all their efforts, cannot save money just for a rainy day. This is how a person works, that he needs not an abstract, but quite a concrete goal.
During the crisis, many are beginning to think that in difficult times it is foolish to postpone, for example, a new car. So it turns out that they no longer save money, although they could do it. As a result, the possibility of obtaining even a small, but still real financial stability is lost.
But no matter how difficult you are and no matter how difficult the situation of your country of residence is, you can still save money every month.
If you, for example, save 10% of the total amount of income, then with a decrease in the amount of income you should not reduce the percentage of deposited funds. Those. during the crisis you have to postpone the same 10%. Even if now it will be a very small amount.
It is better to regularly save a small amount than not to postpone at all. Since psychologists say that a person cannot postpone for abstraction, it is worthwhile to set yourself a specific goal. This may be a cottage, a car, an apartment, the birth of a second or first child. The main thing is to postpone, even during a crisis. And especially – during the crisis.
The study described below was ordered by Ally Bank from the USA. Since it was not a pity for a financial institution to spend considerable funds on science, the study was very large: several thousand people participated in it.
One of the tasks set by the bank was to find out how the state of happiness is related to the amount of money a person has. It turned out that nothing. Unhappy could feel himself and those who had a lot of money. And the poor could feel happy. However, another interesting pattern emerged.
It turned out that those who set aside money regularly were the highest on the happiness scale. At the same time, the amount of the sum deferred had no value.
Scientists have found that those who save money every month get satisfaction from it. They sleep better, they are less worried about insomnia, their stress level is lower. Finally, they are just much happier than people who don’t save money regularly.
This correlation is particularly pronounced during financial crisis, during which people already feel much worse, often falling into depression and depression.
People who save money like shakes can survive much better than those who don’t usually save money regularly – even if the latter have substantial savings.
A group of scientists from the University of the Netherlands, led by Dr. Emily Garbinsky, was able to identify another non-obvious relationship. It turned out that for people who regularly save money, a sense of permissiveness becomes characteristic – in the good sense of the word.
A person begins to feel that he is capable of taking risks, that he should not be afraid that he deserves more. People begin to change jobs and professions more calmly – even if they do not have enough savings to afford not to work for a certain time. The very fact of regular money saving gives them additional confidence in their abilities.
According to the observations of psychologists, people who regularly save money feel complacent.
This quality is considered to be not particularly good. However, the authors of the study are confident that it can bring many benefits, and especially – during periods of financial instability. It is better to be complacent and self-confident than to live in fear all the time.
After all, in fact, your financial condition does not change. However, your personal attitude to this state is changing. And changing – for the better.
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