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Lottery tickets
If you really want to become rich, then you should not buy lottery tickets.
Your chances are practically nil, and, most likely, you just spend a lot of money on playing the lottery game.
Of course, the cost of one ticket may seem quite small and quite feasible.
But if you count your spending on the lottery for a month or even a year, then there will be a very decent amount that you could spend on something more profitable or invest at interest.
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Bank charges
If you pay bank charges that could have been avoided, then you are actually throwing money down the drain.
Different banks have their own rules, so if you don’t want to spend extra money, then we advise you to look at different accounts not only in your bank but also in other banks.
If you spend your time studying offers, you can save money on payments to the bank.
Truly successful people learn a lot of information before investing their money in a bank.
They choose the most advantageous account for themselves in order to avoid unnecessary expenses.
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Credit Card Interest
Credit Card Interest Credit cards are very convenient. You may feel a little guilty, because in your subconscious you understand that a credit card is always debts, and not just debts, but debts with interest.
Nevertheless, this does not stop, because a credit card is so convenient!
Nevertheless, experts believe that interest on loans can “eat” a large enough share of your budget, and this money could be saved and spent on something more useful.
That is why it is so important to achieve repayment of debt by credit card, and then stop using it, as much as we would like. That is exactly what successful people do.
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Increased interest rates
We pay interest rates on loans, while few people know that you can reduce the interest rate.
To do this, you need to ask for your credit rating, and if it turns out to be good, this will allow you to ask the bank to lower the loan rate.
This again will take time, but for the budget, such costs can be very useful.
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Penalties for late payments
Successful people always clearly track the repayment schedule for loans and try never to allow delay.
Any delay leads to fines, which leads to additional expenses.
That is why experts advise not to wait until the last day for making a monthly loan payment but to do everything in advance.
This will not bring the situation to fines. In addition, there are many technical tools that allow not to miss payments.
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Impulsive purchases
Probably, each of us has experience of impulsive purchases when we come to the mall, see something and buy it.
And then, already at home, we begin to understand that we have spent a lot of money on something that we absolutely do not need.
That is why successful people try to avoid such expenses. To do this, they go to stores with a clear list of goods that must be purchased.
In addition, if they go for a particular thing, then they strictly limit for themselves the amount they are willing to spend on this purchase.
You can use a system in which only a limited amount of money is taken with you to the store, beyond which you simply will not be able to spend.
Thus, you can avoid not only impulsive purchases but also purchases of necessary things at unnecessarily high prices.
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Savings accounts with low-interest rates.
Do you like putting money in savings accounts because it is secure? But haven’t you thought that while you save money, a large part of this amount is “eaten up” by inflation?
Perhaps you would like the money to bring more income.
If this is the case, then it is worth reviewing your financial policy. Regular savings accounts do not bring you much income.
If you want to make money, then it is worth considering opportunities outside the banks.
You might want to buy stocks or play the stock market. Perhaps invest your savings in an investment fund.
In any case, you again need a lot of time to explore all the possibilities and choose the one that suits you personally.
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Elite brands
You can see many high-end brands on the red carpet at Cannes. But in everyday life, rich people do not choose elite brands, but rather wear rather simple clothes.
Of course, they have money to buy elite things, but they prefer to spend it on other, more useful and useful things.
Of course, they do not buy things on the market, but first of all they choose convenience and quality, and not an elite inscription, which increases the price of goods every tenfold.
Therefore, if you decide to become rich, do not chase brands.
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Excessively expensive gifts for children.
Nobody argues with the fact that we want to give children the best. But sometimes in the weather for the best, we drive ourselves into debt.
First of all, we are talking about buying children, and this is not only buying things, but also buying entertainment, education, or expensive camps or clubs.
Often we are driven by the desire to be no worse than neighbours or acquaintances. However, do not chase it.
Often the most that we can give to our children is the ability to correctly manage money.
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Unnecessary content
Successful people spend little time on TV screens or playing computer games.
They simply have no time to waste their precious time on such nonsense.
Therefore, they try not to spend money on unnecessary content, such as paid channels or video games.
Of course, sometimes they also want to sit and watch their favourite movie, but for the sake of this, it is hardly worth buying a month of subscribing to paid channels.
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