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Saving money isn't all about whether or not you know how to score screaming bargains.
It has more to do with your attitude toward money.
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
Here are 10 key traits:
1. Patience
Patience is one of the most important traits when it comes to saving money.
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
2. Satisfaction
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
3. Organization
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
4. Discipline
You need the discipline to continue to save money for specific, long-term goals every month.
Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
5. Reflectiveness
It's important to be able to look at your financial decisions and reflect on their results.
You're going to make financial mistakes. Everyone does.
The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
6. Creativity
The economy and our earnings don't always match our expectations.
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
In these ways, creativity plays a large role in keeping finances in order.
7. Curiosity
Having curiosity helps you learn, study and improve yourself.
The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
8. Risk-Taking
To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
9. Goal-Oriented
The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
Those who lack goals don't have a road map to take them to the financial destination they want.

10. Hard- and Smart-Working

Anda pernah buat kesilapan ini?

Anda membeli kereta baru, rumah baru atau TV plasma baru
dan menggunakan duit gaji anda untuk membayarnya?

Jika YA, anda telah membuat kesilapan besar.. Tetapi jangan
risau, kerana hampir 95% orang lain juga membuat perkara
yang sama... termasuk saya! :-)

Saya ingin katakan apa yang biasa anda lakukan bukanlah
taktik para jutawan. Jutawan menggunakan satu taktik yang
cukup licik untuk membeli apa sahaja yang mereka mahukan...
secara PERCUMA. Huh?

Saya telah menggunakan teknik rahsia ini setelah saya membaca
buku bestseller, Robert T. Kiyosaki "Rich Dad Poor Dad".

Dalam buku tersebut Robert menceritakan satu hari seorang
broker kereta menelefon dan berkata yang kereta idaman beliau, 
Porsche edisi terbaru baru sahaja tiba dan mengajak beliau
melihatnya.

Robert yang memang mengidamkan kereta Porsche terpegun
melihatnya dan tanpa berfikir dua kali terus membeli kereta
Porsche ini secara hutang. Beliau terus memberi deposit dan
membuat pinjaman selama 5 tahun. Ya, beliau sudah pun
menjadi jutawan tetapi tetap mahu berhutang! Macam mana tu...
Ok, biar saya terangkan.

Beliau terus memberi deposit dan membuat pinjaman selama
5 tahun. Kemudian apa yang beliau lakukan ialah mencari satu
projek hartanah dan menyewakannya. Duit sewa dari projek
hartanah tersebut digunakan untuk membayar sewa bulanan
kereta Porsche tersebut. Secara logiknya, bukankah beliau
membeli kereta ini secara percuma?

Konsep jutawan yang ingin saya jelaskan disini ialah jika anda
mahu membeli sesuatu yang mahal harganya, anda perlu
memikirkan satu cara untuk membayar ansuran bulanan
tanpa perlu mengeluarkan duit kocek anda sendiri.

Ingat duit yang masuk ke kocek anda ialah aset, dan duit yang
keluar dari kocek anda ialah hutang! Jika anda pelik mengapa
anda masih lagi tidak hidup senang, inilah punca sebenarnya.
Bukannya gaji anda kecik, anda sudah 10 tahun tak promote,
boss anda kedekut isteri anda habiskan duit anda atau apa juga
alasannya. Sebenarnya punca mengapa sesorang tidak hidup
senang ialah mereka menggunakan duit gaji setiap bulan untuk
membayar kereta, minyak kereta, rumah, bil astro, susu anak..
semuanya. Sebab itulah setiap hujung bulan akaun bank anda
semakin berkurangan. :-(

Jadi apa yang perlu anda lakukan?

Cari punca pendapatan baru! Jangan hanya bergantung kepada
satu punca pendapatan sahaja. Jika satu punca pendapatan
bermasalah, anda mempunyai cabang duit lain yang boleh
membantu.

Banyak punca pendapatan yang boleh anda fikirkan. Antaranya
ialah internet, MLM (Make Lots of Money), gayapos, ejen insuran,
ejen unit amanah, pasar malam dan banyak lagi yang boleh anda
fikirkan. Cari sesuatu yang sesuai dengan jiwa anda dan impian
hidup anda.

Konsep kekayaan ini nampak mudah tetapi impaknya akan 
membuatkan anda melarat seumur hidup atau anda bakal bergelar
seorang jutawan satu hari nanti. Buka minda anda dan cuba
fahamkan.

Orait, jumpa lagi dengan rahsia kekayaan yang lain!