Today I will talk about financial literacy, that is, that there are types of education and how we can use financial education to achieve our financial independence.
There are three types of education: academic (add, subtract, history, geography, etc.), professional education (crafts, Vocational Training, etc.) and financial education. And the reason why so many people are not successful or are drowned by their personal situation is this, that we have no financial education.
We can say that at school, since we are young, we are taught to be employed. We are prepared to obey, to be diligent, but do not teach us anything about the money. Always they tell us that if we do things well and got a good job, the money will follow. Another shortcoming is that not teach us to do with the money when it came, if it is so, and why are so many people with problems in their personal finances. In fact, you may have noticed that despite having gotten a job the money does not arrive, or does not reach at least the amount you need.
When we turn to the University started a degree or vocational training, we are taught to be self-employed (freelancers), to do everything for ourselves. And in this case we are still stuck in a job that we believe is our property, but we are almost in the same situation or worse because now we have less time. However they not teach us how our own business, and we still see to do with the money once it gets to keep him.
Fortunately times are changing, and this education comes from the agrarian age, he has evolved a bit, not too much, but a little in recent years. Now there are subjects like entrepreneurship, or FOL (Training and Employment Guidance). This is good. It is part of what some have spent some time claiming, but only part. Interestingly these subjects are taught by employees, ie, teachers, better or worse than with intent and knowledge, have never undertaken. They have never set up his own business. So these materials are still lame, but as I say it is a breakthrough that at least currently mentioned.
Finally there is financial education. This is fundamental and if most of us were trained us it would dawn. I was not born knowing financial education, not taught me in school, or high school. Do not get to college because I saw that there was nothing for me. I needed money, I wanted to work happy wheels demo much as before, it was the only way he knew to make money.
After a few years I discovered that making more money working not reach me. If she could get a better job or even several (yes, before you could have several jobs) was the same thing because what we were earning more what you spent well by the circumstances of such work or because your rate of spending suited. Fortunately a few years late in getting to work on something that I liked, and so without realizing it, I discovered one of the keys.
You have to work at something you love, something you love, something you would do for free for the rest of your life, and something that you are really good. This way you’ll keep going when others give up when things go wrong and when you squeeze your bosses, etc. However this is still not financial education. I learned the hard way. I never got the money and why as I say always happy to work was because it was my dream job.
In fact I got so many people forward, be an officer (or almost, I came to acting). But that was not enough. I read a lot, research on the subject, I trained and did a thousand tests. I became a trainer, coach, study about money, its history, I read countless books on personal finance, economy, investment, and I was trying things. Some worked and me stayed, others the truth is that were a waste of money and discarded, but they were never a waste of time because they helped me to learn and to get where I am today.
You have it much easier today because fortunately we are many we have noticed these shortcomings, and have appeared sites where you can train as school investment. Where you will learn to live with the money you have, you learn to earn more, to invest and to make this money work for you. I recommend you devote to it before it is too late. Do not wait more. You have to start saving for your retirement and you have to do it.
Have you managed to get to a point where your money work for you? Have you found a job or business (if possible in your property) that lets you live the life you want? Do you have a system that gives you money regardless of whether you’re working in, on vacation, sleeping, eating, etc? For it is time to do it and have it close at hand.