Invest First. Then Spend.

ENGLISH

As the years go by and I meet people, reading books and experimenting with my own experiences, I am realizing which is one of the main mistakes that the vast majority of us make.

Luckily I have been able to learn and see the fruits of doing things well. I’m talking about how to better manage our money and achieve better economic stability that allows us to obtain some financial freedom.

Errors can be serious or very serious, and depending on the severity it will make us more or less poor.

The less serious mistake is when you spend all your money and do not save even a sad euro to save it. We have the custom as a society that the more money I have, the more I spend. We are gradually increasing expenses and we never leave anything for savings. If you earn € 1000 you spend € 200 a month on a car, but if you earn € 2000 instead of continuing with the € 200 car and saving, you exchange it for a € 600 a month car. And so with everything. We spend more on clothes, on dining out, and all kinds of whims. At the end of the month you have nothing left.

The most serious mistake is when you spend even more than you have, which puts you in a spiral of debt from which you may never get out. Not reaching the end of the month and using a credit card is the first step towards being poor. Every time I know more people who in the middle of the month have spent all their salary and continue at the same rate of going out, having dinner, and buying the rest of the month with a credit card. It is no longer that you do not save, it is that you get into debt which is worse.

We must bear in mind that to obtain money it is necessary to invest money. This is how people achieve financial stability, and in some cases even get rich. The more money you have, the greater your investment capacity and the greater benefits you will obtain.

How to get that money to invest? Very simple, starting with saving. The first investments must come from your savings. The following can be done with the benefits of your first investments. And the more benefits you get, the greater investment capacity you will have.

As you can see it is not that complex. Save money, invest it and the profit to invest it again. There will come a time when your investment returns are consistent enough to offer you financial freedom and be able to pay for the whims you want without compromising your finances.

If, for example, you earn € 1500 per month, you must allocate € 250 to savings for future investments (not to spend it on trips or whims) and assume that you must manage the rest of your expenses and whims with € 1250. In this way, the savings that you generate and invest in the future will allow you to increase your monthly income, increase your ability to save and invest and have more money per month. It is like a snowball that is getting bigger.

And you must understand that this is a long road, that saving is slow, that mega-profitable investments do not exist and that it will take time to achieve financial stability. But the other option is never to reach it.

This is the same at the business level. If you do not invest money in employees and in promoting your business, it will hardly grow. What’s more, it will probably fail.

It is a simple lesson that few apply and that makes the difference between people with money and people without money. Invest first. Then spend.

ESPAÑOL

A medida que van pasando los años y voy conociendo gente, leyendo libros y experimentando con mis propias vivencias me voy dando cuenta de cual es uno de los principales errores que cometemos la gran mayoría.

Por suerte he podido ir aprendiendo y ver los frutos de ir haciendo bien las cosas. Estoy hablando de cómo gestionar mejor nuestro dinero y conseguir una mejor estabilidad económica que nos permita obtener cierta libertad financiera.

Los errores pueden ser graves o muy graves, y dependiendo de la gravedad nos hará mas o menos pobres.

El error con menor gravedad es cuando gastas todo tu dinero y no guardas ni un triste euro para ahorrarlo. Tenemos la costumbre como sociedad que cuanto más dinero tengo más gasto. Vamos elevando los gastos progresivamente y nunca dejamos nada para el ahorro. Si ganas 1000€ te gastas 200€ al mes en un coche, pero si ganas 2000€ en lugar de seguir con el coche de 200€ y ahorrar, lo cambias por uno de 600€ al mes. Y así con todo. Gastamos más en ropa, en cenar fuera, y todo tipo de caprichos. Al final del mes no te queda nada.

El error con mayor gravedad es cuando gastas incluso más de lo que tienes, lo que te introduce en una espiral de deuda de la que posiblemente jamás saldrás. No llegar a final de mes y usar la tarjeta de crédito es el primer paso para ser pobre. Cada vez conozco más gente que a mitad de mes ha gastado todo su sueldo y sigue al mismo ritmo de salir, cenar, y comprar el resto del mes a base de tarjeta de crédito. Ya no es que no ahorres, es que te endeudas que es peor.

Debemos tener en cuenta que para obtener dinero es necesario invertir dinero. Así es como la gente consigue estabilidad financiera, y en algunos caso incluso hacerse ricos. Cuanto más dinero tienes mayor es tu capacidad de inversión y mayores beneficios obtendrás.

¿Como obtener ese dinero para invertir? Muy sencillo, empezando por ahorrar. Las primeras inversiones deben salir de tus ahorros. Las siguientes las podrás realizar con los beneficios de tus primeras inversiones. Y cuando más beneficios vayas obteniendo mayor capacidad de inversión tendrás. 

Como puedes ver no es tan complejo. Ahorrar dinero, invertirlo y el beneficio volver a invertirlo. Llegará un momento que tus beneficios de las inversiones son suficientemente consistentes como para ofrecerte la libertad financiera y poder pagarte los caprichos que deseas sin comprometer tu economía.

Si por ejemplo ganas 1500€ al mes, debes destinar 250€ al ahorro para futuras inversiones ( no para gastarlo en viajes o caprichos) y asumir que debes gestionarte el resto de tus gastos y caprichos con 1250€. De esta manera ese ahorro que vayas generando y e inviertas en el futuro te permitirá incrementar tus ingresos mensuales, elevar tu capacidad de ahorro e inversión y disponer de más dinero al mes. Es como una bola de nieve que se va haciendo grande. 

Y debes entender que esto es un camino largo, que ahorrar es lento, que las inversiones mega rentables no existen y que te llevará tiempo lograr la estabilidad financiera. Pero la otra opción es no alcanzarla nunca.

Esto ocurre igual a nivel empresarial. Si no inviertes dinero en personal y en promocionar tu negocio difícilmente crecerá. Es más, probablemente fracasará. 

Es una lección sencilla, que pocos aplican y que marcan la diferencia entre gente con dinero y gente sin dinero. Primero invierte. Luego gasta.

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