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Joe Dominguez life or wallet. Trick or treat

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.

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 previous generations believed that for one reason or another the world is rolling in 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 to launch 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.

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

(ratings: 3 , average: 2,33 out of 5)

Title: Trick or treat? You control money or money control you
Posted by Monique Tilford, Vicki Robin, Joe Dominguez
Year: 2008
Genre: Securities, Investments, Personal Finance, Foreign Business Literature

About the book “Trick or treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez

How do we live today? Work, problems, thoughts on how to earn more to pay off debts, buy necessary things at home, support a child. In fact, we constantly think about how we can earn more. That is, it turns out that we do not manage the money, but it is us.

The book "Trick or treat? You control money or money control you ”, written by authors such as Monique Tilford, Vicky Robin, Joe Dominguez, will help you set your priorities correctly. You will understand how to relate to work and material wealth in order to have more.

It is inherent in us that we need to work hard for a long, long time and to afford all the essentials. And if you want to live very well, then you should either be lucky in a miraculous way, or your parents should be oil tycoons at a minimum.

Unfortunately, that is what most people in our country think. But with such an approach to work and money it is impossible to make good money, and indeed to find a job that will bring only joy.

The book "Trick or treat? You control money or money control you. ”Monica Tilford, Vicki Robin, Joe Dominguez will help you look differently at money, at the ways of making it. You will be able to pay off your debts and start collecting what you have long dreamed of.

Moreover, you will be able to consciously manage the money, control it, and they will not guide you. This is what a happy life is all about. You will find harmony with yourself and with the world around you.

This book is not a manual on economics, which clearly describes how to manage money. It is rather a philosophical work that will help you to be the main thing in your life, to find harmony between yourself and material values. After reading this publication, you will have a completely different attitude to money.

Today there are many books that detail how to manage your finances. But in the end, you abandon the scheme of actions, and return to your previous life. It is important not only to set priorities, but also to look differently and begin to relate to life in general, to others, to oneself.

Every day we see intrusive advertising and think that it doesn’t affect us. As a result, we go to the store and buy everything we don’t need, just at a subconscious level we remember colorful advertisements and big words of the promise of what miracles this thing has. After reading the book “Trick or treat? You control money or money control you. ”You will no longer pay attention to advertising and act in the way they impose on you.

You will control your finances, use them for your own good, while they will not be central in your life. You can take a fresh look at the world and set priorities. And all this will be possible thanks to the book by Monica Tilford, Vicki Robin, Joe Dominguez “Trick or Treat? You control money or money control you. ”

Published in Russian for the first time.

On our site about books, you can download a site for free without registration or read the online book “Trick or treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez in the formats epub, fb2, txt, rtf, pdf for iPad, iPhone, Android and Kindle. The book will give you a lot of pleasant moments and true reading pleasure. You can buy the full version from our partner. Also, here you will find the latest news from the literary world, learn the biography of your favorite authors. For beginning writers, there is a separate section with useful tips and tricks, interesting articles, thanks to which you yourself can try your hand at literary mastery.

Quotes from the book “Trick or Treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez

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

About 53% of food purchases and 47% of purchases in household goods stores are made situationally.

Living within our means means that you first accumulate money, and only then you buy something. This avoids the payment of interest on the loan. It also gives you a very useful respite, allowing you to think again if you need at least some of these things.

In fact, now that you know that money is your life energy, spending it on things that you do not need and do not bring satisfaction seems to be just stupid.

Frugality means that we must enjoy what we have. If you have ten dresses, but you still think that you have nothing to wear, then you are probably wasteful. But if you have ten dresses and you wear them all for several years, then you are thrifty. Waste is not in the number of things that belong to you, but in the inability to enjoy them.

The planet as a whole, and we, as individuals, are suffering from growing abundance and disappearing nobility. We should at least pause and ask ourselves the question: is it worth it? And what will happen if we nevertheless achieve what we so stubbornly strive for? And if not, then why do we, as if obsessed, persist in following the habit of killing us.

“In our century, as in previous centuries, people who have risen above the poverty line do not try to use the surplus given to them by society for useful needs. They do not seek to enrich their lives, to live more wisely, reasonably, consciously. They strive to impress others with the fact that they have surpluses ... that is, they spend time and money completely uselessly, only amusing their ego. "

Money is what we exchange our vital energy for.

Chicago with a case stuffed with money and handcuffed to your wrist. Will you feel safe? If money really provides it, then yes. But since this is not so, the myth that money provides security remains only a myth.

Thrift is the enjoyment of the benefit of getting adequate value for every minute of vital energy, as well as all that you use.

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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.

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

Foreword

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 lead 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 email 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.

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

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 on the other day, it seems like you are doing everything as always, and you will take a refreshing shower, and you will make a cup of aromatic coffee, and you will flip through magazines during breakfast, and you will treat yourself with 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 a little that she has 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’d 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 faith 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 from morning to evening he prepares vegetables for himself, bakes bread himself, sprouts wheat grains, consuming 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, he spoiled his body with “dead food”. But Uncle Vasya’s faith exclusively in vitamins and minerals allows Aunt Shura not to waste time cooking boils for him or frying cutlets, 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, the artist, firmly believes that it is alcohol and vodka that burns harmful microbes from a person inside, so that a person after an evening libation wakes up with a clean, sterile organism - and only from unusual purity it happens that the head is buzzing and the process of rejection 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’m saying all this to the fact that the ancient thesis that a person needs to know himself for happiness and preferably not listen to anyone else, remains at the end of the twentieth century.

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. Say what you like, but my work as a private detective is a drug cleaner than any heroin, not to mention Uncle Vasina’s raw carrots for the night, 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 be comforted by 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 other people's work, and these very internal efforts that cannot be measured either 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 depression, 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

About the book “Trick or treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez

Quotes from the book “Trick or Treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez

Download free book “Trick or treat? You control money or money control you »Monique Tilford, Vicky Robin, Joe Dominguez

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