Striving to live well is not a vice! No one can condemn a person for his desire to make dreams of a luxurious life a reality. But along with this, people are mired in these dreams. See how we live? Life is spent on making money on it. Is humanity doomed to chase money forever, remaining an outsider in this race? Material independence is what helps contemporaries. Want to take this chance? Then the book “Trick or treat? You control money or money control you ”will tell you how to do it.

On the site you can download for free "Trick or treat?" in fb2, epub, pdf, txt, doc and rtf - Vicky Robin, Monica Tilford and Joe Dominguez.

What is this book about?

Money determines how a modern person lives. It depends on whether you get a prestigious education, whether you go on holiday at sea, or buy a gorgeous wedding dress from your brother too. Examples can be given a lot and they all illustrate how people are dominated by banknotes. In the pursuit of perpetual earnings, people forget to enjoy moments, although they sincerely desire it. Can this trend be changed? Naturally! That’s why the book “Trick or Treat? You control money or money control you ”, where Vicky Robin, together with co-authors Monique Tilford and Joe Dominguez, voices effective ways to achieve material independence in the name of human enjoyment of all the delights of life.

The authors of this manual offer to break free from the power of money. After reading the book, you look at the world differently, and it will no longer seem as material as 500 pages ago. Listen to an audiobook, read online "Trick or treat?" or download for free in fb2, epub and pdf you can at KnigoPoisk.

What does this book teach?

Vicky Robin, Monique Tilford and Joe Dominguez through the means of his joint work “Trick or Treat?” learn to live fully, regardless of the number of notes in the wallet. The authors force us to take a different look at the very essence of money and believe that all the financial problems that overtake a person are due to improper roles. In the everyday scenario, money plays the role of the first violin, but it is necessary that a person takes this place.

Useful recommendations and valuable tips will help you change your attitude to money and teach you how to manage it. You will say goodbye to debts, stop borrowing and you can buy yourself anything you want - the book “Trick or treat?” works real commercial miracles!

Who is this book for?

It is recommended for reading at the time of financial crises in the family, if you want to improve your financial situation and save a tidy sum. It's time to change roles in the classic scenario between you and the material ..

Trial version. Available 7 pages

Vicki Robin, Monique Tilford, Joe Dominguez

Trick or treat? You control money or money control you

Vicki Robin and Joe Dominguez

with monique tilford

YOUR MONEY OR YOUR LIFE:

9 STEPS TO TRANSFORMING YOUR RELATIONSHIP WITH MONEY AND ACHIEVING FINANCIAL INDEPENDENCE

Scientific editor Nadezhda Reshetnik

Published with permission of Viking, a member of Penguin Group (USA) LLC, a Penguin Random House Company and the literature agency Andrew Nurnberg (Russia)

Legal support for the publisher is provided by the Vegas-Lex Law Firm.

© Vicki Robin and Joe Dominguez, 1992

© Vicki Robin, 2008

© Translation into Russian, publication in Russian, design. LLC Mann, Ivanov and Ferber, 2016

Dedicated, of course, to Joe Dominguez (1938–1997), an invaluable mentor and companion in an exciting adventure. And to everyone he loved

Foreword

We bring to your attention a new edition of the book “Trick or treat? You control money or money control you ”, supplemented and adapted to the realities of the 21st century. New readers will benefit from a practical and transformational approach to making and spending money. Old ones will find in this publication everything that they liked in the previous one, plus new useful ideas and information. Since 1980, the program described in the book has helped hundreds of thousands of people around the world establish control over their financial affairs. Surely she will help you. Nowadays, major changes on a national and global scale complicate the task of managing money in personal and family life - and, therefore, planning a safe future. You know this very well without me, because you are convinced of this in practice every day. And this is the first reason why we decided to release an updated edition of this already become classic book. Now more than ever, the need for a new concept of making, spending, saving money and a good life is more acute. When this book was first published in 1992, the dot-com bubble was just inflating, and soon after it a real estate bubble began to form. The flow of bubbles expanded and spread. We became involved in acquisition, seduced by the newfound deceptive well-being in the wake of the boom. But times have changed, and many things too - not to mention many people.

Before moving on to the challenges of the new era - as well as to talking about how the book “Trick or Treat?” will help you cope with them - I want to note that most of the previous generations believed that for one reason or another the world is heading into the abyss. However, the current "abyss" portends a fundamental, and not just a cyclical shift in our way of life. Too many private crises have merged into an “ideal storm”: savings are melting, debts are accumulating, pensions are depreciating, incomes are no longer growing, jobs are moving to low-wage countries, and health and social insurance programs are ineffective. All this is against the backdrop of a rapidly changing climate, starting with the depletion of critical resources (for example, oil and water), population growth, outstripping the growth of food supplies, and numerous symptoms of instability of the global economy in itself. If you already feel nervous, you cannot but admit that there are more than good reasons for that.

According to an article in Christian Science Monitor, “More and more economists are finding that America is currently a transformational economy in which consumer spending will play a lesser role over time, as households, albeit belatedly, recognize the need for revision. his way of life. "

Global shifts, comparable in scale to the present, are gradually beginning to influence our daily lives. It is not necessary to understand monetary policy in order to notice that our incomes are far from growing as fast as expenses. It is not necessary to understand the mechanism of global warming or the methodology for calculating the indicator “energy efficiency from energy consumption” (a problem from the field of oil production and oil refining) in order to understand that summer is getting hotter and rainier and gas station prices are constantly growing.

For these and a host of other reasons, the enduring common sense embodied in this book is now necessary for us more than ever. And it’s not too late to listen to him. The first followers who started this program in the 1980-1990s are now much more protected from the effects of global instability than most fellow citizens, and it is never too late to switch to a more frugal lifestyle. As one friend of mine says, thrift, like the “little black dress,” is now even more in fashion, since we have never needed it before.

Let’s review some of the challenges we face and see how transforming our personal relationships with money will help strengthen our personal dam and weather the impending storm.

Saving

In 2005, the personal savings rate in the United States of America fell below zero for the first time since the Great Depression. In subsequent years, it fluctuated mainly between zero and 1%. In the richest country in the world, citizens are barely able to save a dime for every dollar. While each of us is responsible for keeping our wallet buttoned, the temptation to spend more than we need is everywhere. When Joe Dominguez and I wrote the book “Trick or Treat?”, From good intentions to save money and bring us to complete ruin, only advertising on television, radio, on billboards, direct mailing and advertising posters could. Today the Internet overwhelms us with advertising at any click of the mouse - pop-up ads, blinking ads, advertising banners await us on every page. Even billboards have become digital and fascinate with flickering lights and eye-catching movement. Plus, advertising is now being put at the bottom of shopping carts in stores, it can be seen on each floor of the shopping center, and it arrives to our e-mail in an endless stream. In 2006, advertising costs were estimated at approximately $ 155 billion in the United States alone and $ 385 billion worldwide, with the last figure already reaching $ 500 billion in 2010. Saving money in the era of credit cards at best looks like eccentricity, and at worst - like fun simpletons. We were taught that duty \u003d freedom, but it is very reminiscent of the famous paradoxical phrases from George Orwell's dystopia “1984”, which stated that “hatred is love” and “war is peace”.

Well, let's deal with this mental problem. Repeat after me. Having savings means being free. Savings mean freedom from debt. Money in the bank account means the ability to quit work at any time if the boss treats you badly or if the promised benefits and compensations turned out to be zilch. And if you lose your job, then the presence of savings allows you to maintain a car and a house, as you continue to pay your bills - at least the primary ones. The presence of savings means that you can open your own business or buy a piece of land, even if the bank refused your loan for the reason that, strangely enough, the habit of saving has led to the fact that you do not have a credit history and your tail does not stretch for you debt.

Global shifts, comparable in scale to the present, are gradually beginning to influence our daily lives. It is not necessary to understand monetary policy in order to notice that our incomes are far from growing as fast as expenses. It is not necessary to understand the mechanism of global warming or the methodology for calculating the indicator “energy efficiency from energy consumption” (a problem from the field of oil production and oil refining) in order to understand that summer is getting hotter and rainier and gas station prices are constantly growing.

For these and a host of other reasons, the enduring common sense embodied in this book is now necessary for us more than ever. And it’s not too late to listen to him. The first followers who started this program in the 1980-1990s are now much more protected from the effects of global instability than most fellow citizens, and it is never too late to switch to a more frugal lifestyle. As one friend of mine says, thrift, like the “little black dress,” is now even more in fashion, since we have never needed it before.

Let’s review some of the challenges we face and see how transforming our personal relationships with money will help strengthen our personal dam and weather the impending storm.

Saving

In 2005, the personal savings rate in the United States of America fell below zero for the first time since the Great Depression. In subsequent years, it fluctuated mainly between zero and 1%. In the richest country in the world, citizens are barely able to save a dime for every dollar. While each of us is responsible for keeping our wallet buttoned, the temptation to spend more than we need is everywhere. When Joe Dominguez and I wrote the book “Trick or Treat?”, From good intentions to save money and bring us to complete ruin, only advertising on television, radio, on billboards, direct mailing and advertising posters could. Today the Internet overwhelms us with advertising at any click of the mouse - pop-up ads, blinking ads, advertising banners await us on every page. Even billboards have become digital and fascinate with flickering lights and eye-catching movement. Plus, advertising is now being put at the bottom of shopping carts in stores, it can be seen on each floor of the shopping center, and it arrives to our e-mail in an endless stream. In 2006, advertising costs were estimated at approximately $ 155 billion in the United States alone and $ 385 billion worldwide, with the last figure already reaching $ 500 billion in 2010. Saving money in the era of credit cards at best looks like eccentricity, and at worst - like fun simpletons. We were taught that duty \u003d freedom, but it is very reminiscent of the famous paradoxical phrases from George Orwell's dystopia “1984”, which stated that “hatred is love” and “war is peace”.

Well, let's deal with this mental problem. Repeat after me. Having savings means being free. Savings mean freedom from debt. Money in the bank account means the ability to quit work at any time if the boss treats you badly or if the promised benefits and compensations turned out to be zilch. And if you lose your job, then the presence of savings allows you to maintain a car and a house, as you continue to pay your bills - at least the primary ones. The presence of savings means that you can open your own business or buy a piece of land, even if the bank refused your loan for the reason that, strangely enough, the habit of saving has led to the fact that you do not have a credit history and your tail does not stretch for you debt.

Feb 04

Trick or treat? You control money or money control you - Vicky Robin, Joe Dominguez, Monique Tilford

  Gaining financial independence is the dream of many people. To do this, you need to learn to consciously use and control money, and not live for it. Having changed your attitude to money as a result of following the recommendations described in this book, you will reach a new level of awareness of all financial issues, as well as gain higher competencies and will feel much more comfortable.

The book will be useful for everyone who wants to control their finances, and not live for money.

Book Features

Date written: 2008
  Name:? You control money or money control you
  , Joe Dominguez, Monique Tilford
  Volume: 510 pages, 58 illustrations
  ISBN: 978-5-00057-737-0
  Translator: Elvira Condukova
  Credit: Mann, Ivanov and Ferber

Foreword to Trick or Treat

We bring to your attention a new edition of the work “Trick or treat? You control money or money control you ”, supplemented and adapted to the realities of the 21st century. New readers will benefit from a practical and transformational approach to making and spending money. Old ones will find in this publication everything that they liked in the previous one, plus new useful ideas and information. Since 1980, the program described in the book has helped hundreds of thousands of people around the world establish control over their financial affairs. Surely she will help you.

Nowadays, major changes on a national and global scale complicate the task of managing money in personal and family life - and, therefore, planning a safe future. You know this very well without me, because you are convinced of this in practice every day. And this is the first reason why we decided to release an updated edition of this already become classic book. Now more than ever, the need for a new concept of making, spending, saving money and a good life is more acute. When this book was first published in 1992, the dot-com bubble was just inflating, and soon after it a real estate bubble began to form. The flow of bubbles expanded and spread. We became involved in acquisition, seduced by the newfound deceptive well-being in the wake of the boom. But times have changed, and many things too - not to mention many people.

Before moving on to the challenges of the new era - as well as to talking about how the book “Trick or Treat?” will help you cope with them - I want to note that most of the previous generations believed that for one reason or another the world is heading into the abyss. However, the current "abyss" portends a fundamental, and not just a cyclical shift in our way of life. Too many private crises have merged into an “ideal storm”: savings are melting, debts are accumulating, pensions are depreciating, incomes are no longer growing, jobs are moving to low-wage countries, and health and social insurance programs are ineffective. All this is against the backdrop of a rapidly changing climate, starting with the depletion of critical resources (for example, oil and water), population growth, outstripping the growth of food supplies, and numerous symptoms of instability of the global economy in itself. If you already feel nervous, you cannot but admit that there are more than good reasons for that.

According to an article in Christian Science Monitor, “More and more economists are finding that America is currently a transformational economy in which consumer spending will play a lesser role over time, as households, albeit belatedly, recognize the need for revision. his way of life. "

Global shifts, comparable in scale to the present, are gradually beginning to influence our daily lives. It is not necessary to understand monetary policy in order to notice that our incomes are far from growing as fast as expenses. It is not necessary to understand the mechanism of global warming or the methodology for calculating the indicator “energy efficiency from energy consumption” (a problem from the field of oil production and oil refining) in order to understand that summer is getting hotter and rainier and gas station prices are constantly growing.

For these and a host of other reasons, the enduring common sense embodied in this book is now necessary for us more than ever. And it’s not too late to listen to him. The first followers who started this program in the 1980-1990s are now much more protected from the effects of global instability than most fellow citizens, and it is never too late to switch to a more frugal lifestyle. As one friend of mine says, thrift, like the “little black dress,” is now even more in fashion, since we have never needed it before.

Let’s review some of the challenges we face and see how transforming our personal relationships with money will help strengthen our personal dam and weather the impending storm.

Quotes:

Money is something that we too often do not have, but desperately strive to get, with which we associate our hopes for gaining power, happiness, security, recognition, success, achieving our goals and personal values. Money is master, and we are slaves. Money is a winner, and we are defeated.

Lean is an expression of self-esteem. This is a recognition of the value of the vital energy invested in your material acquisitions.

We buy everything - from hope to happiness. We no longer live life - we consume it.

However, liberation from trash is not a loss of material wealth, but the removal of unnecessary burdens and the release of forces and time for something new.

If money is equal to vital energy, then, increasing income, you enrich and diversify your life. Depending on your average hourly wage, your new car may cost a month, six months, or a year of operation.

Money is what we exchange our vital energy for.

Internal criterion of sufficiency of material goods. As we have already emphasized, what you have will never be enough if you evaluate sufficiency by what others think or have.

Money is a universal criterion for all of us, even for those who consider themselves to be exalted people.

In a society with the “the more the better” attitude, the concept of “enough” is something like a horizon that is constantly receding. You lose the ability to determine the moment when you need to say “stop” to yourself.

If everyone physically worked three hours a day, then no one would need to work more than the same three hours

If a person is distinguished by integrity, then he does not need to pave the way to happiness with material acquisitions. Happiness becomes her birthright.

The planet as a whole, and we, as individuals, are suffering from growing abundance and disappearing nobility.

Happiness does not come from without. It is born within us as a result of the right combination of life values \u200b\u200band attitude to money.

If there is savings, then losing a job will not be a tragedy. If you lose your salary, but you have savings, then you will not lose anything from property. More importantly, you will have the opportunity to consider options that you did not notice before due to excessive employment or fatigue.

Trick or treat - Vicki Robin (download)

(introductory fragment of the book)

And here is an interesting video

Marina Serova

Trick or treat?

Chapter 1 Know Your Blues

I wonder what all the same mood depends on every morning? It happens that you wake up, you don’t have time to really open your eyes, but already you feel that on this day everything will turn out right, even if you don’t try too hard. And the next day, it seems that you are doing everything as always, and you will take a refreshing shower, and you will brew a cup of aromatic coffee, and you will flip through magazines during breakfast, and you will treat yourself to something tasty - but for some reason, cats scratch your soul. My friend Sveta explains this solely by the location of the stars, and it even began to annoy me somewhat that she had an answer from everything in the horoscope: they say that today is an unfavorable day for Aquarius, it’s a fortune for Sagittarius, and for Gemini it’s neither etc. It’s not that I don’t really believe astrologers, but I just can’t recognize only the zodiacal explanation of all the oddities of life. How many times has it been, Sveta has called in the morning and begins to exhort: look, you better not leave your house today, there will be serious troubles. And on this day, on the contrary, I get lucky all the time, and even get large monetary rewards if Sveta warns her pockets to watch and be afraid of thieves. But we will assume that we are even with Sveta, because she, in turn, also does not take seriously my belief in fortune telling on magic bones, which often helped me in the most extreme situations. How is this supposedly cubes with numbers can warn about something or suggest important information from the future? But this, I tell you, is such a thing that only on oneself can one verify, and even then, if one knows how to ask magic bones the right and serious questions.

Oh, I think that about whether to start kefir diet for weight loss today, magic bones will not listen. About such things, as well as about the sexual energy of fans, Svetka usually pokes out on the planets, starting from the very early morning, tucking into his books and tables.

But my aunt Shura is one hundred percent sure that the mood depends on magnetic storms. She always has clippings from the Izvestia newspaper in her kitchen, where unfavorable days of every month are periodically printed. I think, because of this valuable information from meteorologists, or anyone else, she writes this newspaper from year to year, although she then does not read anything else from it. But the days of the alleged magnetic storms are known by heart and already the day before they feel weak, nauseous and dizzy. It seems to me that if wise people thought of reducing the number of unfavorable days to one or, in extreme cases, two numbers a month, they would preserve the abyss of health not only to Aunt Shura, but also to hundreds of the same suspicious readers.

But what’s interesting: Aunt Shura’s husband, Uncle Vasya, constantly taunts his wife’s magnetic sensibility. If you ask Uncle Vasya what his morning mood depends on, he will answer without hesitation: “From what I ate yesterday.” After the illness of the stomach, Uncle Vasya seriously became interested in all kinds of theories of natural healing of the body and especially became a fan of the famous Paul Bragg’s system with his installations for fasting and eating only natural products. “We are what we eat,” Uncle Vasya tirelessly repeats after the super-healthy American and cooks vegetables from morning to evening, bakes bread himself, sprouts wheat grains, eating all this strictly by the hour. He is sure that any fluctuation in his mood depends only on his physical well-being, and his physical well-being can only be shaken if Uncle Vasya could not resist and ate a piece of smoked fish or cookies at a party, that is, spoiled his body with “dead food”. But Uncle Vasya’s faith solely in vitamins and minerals allows Aunt Shura not to waste time cooking boils for him or frying meatballs, which is very important on days when she is under the breathtaking effect of magnetic storms.

It’s especially interesting to watch Uncle Vasya, if you remember that my father’s mood depends on whether there is meat, fish, sausage, lard and other food of “real men” in the house in the morning. If not, honestly, he literally becomes irritable before his eyes, even his face becomes somehow yellow and harmful, though only until the first plentiful breakfast.

And one of my friends, a painter, firmly believes that it is alcohol and vodka that burns harmful microbes from a person inside, thanks to which a person wakes up with a clean, sterile organism after evening libations - and it’s only from unusual purity that the head humming and the rejection process is too rough for renewed vessel of life and inspiration of food.

And my former lover, Vitya Tarasevich, was sure that his inner emotional fluctuations depend solely on the quality and quantity of sex. If the night was spent with feeling and sense in this sense, then the next day Vitya need not worry. And if such joys begin in the morning, preferably with their eyes closed, then surely there will be solid successes and victories ahead, no matter what. And here's what is amazing: even one missed night could lead my friend into a state of real, deep depression, from which only an obedient female body could cure. As it turned out, Vitya in my absence the next day fell into terrible abysses of despondency and despair, whence he had to get out at any cost, clutching at the first turned up skirt. In such clinical cases, it is necessary to use a convenient, correct remedy - legal marriage, so that a portion of "doping" is always at hand and taken two to three times a day. And I would try to tell Vita that his gloomy morning state depends on the location of the planets, on the gases in his stomach or the weather - that would be a laugh!

I say all this to the fact that the ancient thesis that for a person to be happy needs to know himself and it is advisable not to listen to anyone else, and at the end of the twentieth century remains valid.

I wonder why all the same in the morning I have such a foul, gray mood? What did I eat special or who didn’t sleep with so that even a crow on a branch outside the window seemed half dead, coffee beans burned, wallpaper faded (it’s time to make repairs!), Slippers are cold. Here is something - in fact!

Although it’s a sin to hide - deep down I have one hidden explanation for the seemingly inexplicable morning blues. This happens if there is a big break in work, and now the pause between the last thing and this very dull morning lasted about ten days, no less. Whatever you say, my work as a private detective is a drug cleaner than any heroin, not to mention Uncle Vasina’s raw carrots for the night, which is good for digestion. After all, while I am engaged in a new and interesting business, there is no need to indulge in the mornings even thoughts about my own moods and listen to whether melancholy scrapes in my chest or, conversely, if joy breaks. At this moment, I am not interested in any horoscopes, diets, fortune telling, or malnutrition — nothing that can distract from the investigation of another complicated story. Although Tanya Ivanova is considered to be an overly ambitious girl, I definitely know that it was just me who was able to solve several high-profile cases in our city of Tarasov, and I alone alone, sometimes at the cost of tremendous internal efforts, which I prefer to keep silent about. More precisely, I talk about them, but only once - when I tell the client the amount of my fee and “per diem” in dollar terms, which sometimes causes some surprise in the presses. But in this case, I answer: then you got to the wrong address, call “02”, write a statement, give official testimony and all that jazz. You will be dealt with completely free of charge, as guaranteed by the Constitution.

More precisely, you will not be dealt with for free, but you can at least console yourself with this deceptive thought if you like it more. I deal only with those people who look at life realistically and do not try to scrape free cheese from a mousetrap, but know how to value someone else's work and especially these very internal efforts that cannot be measured in grams, centimeters, or kilobytes . Therefore, I prefer to arrange pauses, which are not so beneficial for me, than doing pennies with small family squabbles, stabbing and other cops' daily bread. " But in moments of despondency, physical activity, karate plus meditation helps to recover well. Maybe in my old age I’ll take up writing memoirs, I will describe the criminal life of a quiet