Olá amigos, sim, o título está desse jeito porque essa é a realidade, dinheiro não traz nem compra felicidade, só é capaz de aliviar momentaneamente o estado eterno de preocupação de quem vive nesta sociedade, talvez, os índios não tenham esse problema, tem outros, mas não este.
Você gosta de dinheiro? Pois bem, não se preocupe, você jamais vai se ver livre dele mesmo. Talvez só depois da morte. Será?
Este DDM de número 426, fala sobre algo que pode trazer dor de cabeça ou afasta-la, dinheiro. Não vejo o dinheiro como problema nem solução mas como dizia um burro muito sábio: “para espantar as moscas, tenho a cauda, mas quisera não ter, nem a cauda e muito menos as moscas”.
Mas nesta lição Stacey Johnson do Money Talks te explica como não ficar estressado, preocupado, louco com o controle das finanças. Isto é impossível, mesmo sendo rico, você fica com medo de perder seu dinheiro a todo o tempo e é por isso que os ricos trabalham tanto e quem dirá os super ricos.
Comecemos com a lição.
426 @#%* MONEY ~
Mortgages and…saving for your daughter…go to school.
Three children in college at the same time.
I don’t stress about money because my parents have to.
Finances make you fret? You’re not alone. According to the American Psychological Association, money is almost always a top stress producer among Americans.
You’re not gonna get through life without ever worrying about money, but there are specific steps you can take that are gonna reduce that money-related stress.
Step one: get organized. Look at what you own and especially what you owe. Not knowing where you stand, that’s stressful.
Step two: track your income and expenses. Not knowing whether you’re spending more than your making—also stressful.
Step three: have a goal. It’s easier to reach a destination when you know what it is.
Step four: use technology. Things like banking apps, budgeting programs, expense trackers, investment calculators…it’s all online and most of it’s free.
And one final step; if you don’t know, learn. Understanding things like your 401k or stocks is gonna reduce your worry. And if you can’t understand it, hire someone who does. Just be sure they’re paid by the hour and not by commissions.
Bottom line, if you’re feeling a lot of stress about money, you need to take more control. And when you do, you’re going to feel a lot better. Now what you need is some specific tips and advice that are gonna help you to control your money and you’re gonna find them right here at MoneyTalksNews.com. Just do a search for MONEY STRESS.
For MoneyTalksNews, I’m Stacy Johnson.
O glossário da lição.
Glossary
Mortgages: loans (from the bank) that people get to buy a house
Finances: money (your money)
Fret: worry, stress
Get through life: live
Where you stand: your current circumstances/situation
Track: follow, keep track of, keep up to date on
Income: the money you earn—usually from your job
Expenses: the money you spend—groceries, housing, utilities, etc.
Apps: applications/programs/software—usually for your smartphone
Budgeting programs: software that will help you plan a monthly/yearly budget (how you spend/save money)
Expense trackers: software that automatically follows your spending
Investment calculators: special calculators that make it easy to calculate interest (on savings accounts, credit cards, bank loans, investments…)
401k: a savings plan where the employee and employer agree to put a certain amount of money each paycheck into a special savings account. If you agree to $100, then your employer will also add $100. It’s “free money” and if you work for a company that offers a 401k plan, you should most certainly do it! Reasons to NOT participate would be if you have NO cash and/or have a LOT of debt.
Stocks: securities—like the things you can buy on the New York Stock Exchange.
Commissions: payments based on performance and/or work performed as a project. Sales people often get paid on commission the more they sell, the more money they make
Bottom line: the most important thing, at the end of the day
A gravação da lição.
Encerramento.
Tomem cuidado com o dinheiro leitores, como dito acima, você nunca vai conseguir se ver livre da preocupação que ele traz, mas reduzi-la é possível.