“Do you realize, Benjamin? The guy can change everything: his face, his house, his family… his girlfriend, his religion, his God… but there is one thing that Benjamin cannot change… he cannot change… his passion.“I’m not going to question Francella. Now, the only thing that comes so close to a passion (because of how it defines, conditions or empowers you) is your habits; Fortunately those can be changed.
Habits are almost a muscular reflex, a decision that does not go through the filter of analysis. A kind of mental autopilot that is great for us to resolve situations quickly and easily. repetitive or trivial. They save us time and mental energy because they prevent us from consciously evaluating the pros and cons of each decision we make. That is why we have a natural tendency to create them and it is so difficult for us to modify them once they take hold.
Think about it. One day you found your trusted store and most likely since then you always go to that place. Even if it is not the cheapest or if the variety of products is not the best. That’s it, at some point you decided that that place was good and to find another you have to search and think again; Better to save that energy.
Now everything has a limit, You can’t live in mental energy conservation mode.. There are decisions that do deserve your attention (and I’m not talking about buying a house), I’m referring to those that go unnoticed in your daily life, none fatal in themselves, but that can gradually take you away from where you want to go.
Here I need to talk to you about butterfly effect, a great concept. Very briefly, it is about how small, seemingly insignificant events can set in motion a domino effect that ends up generating a great impact; the flapping of a butterfly’s wings in Chile that could generate a tornado in Japan.
Where am I going with this? To what With bad financial habits you can buy yourself a big problem in easy installments. You don’t have to one day declare that you are going to be a consumer Taliban, you can also sabotage your finances one small bad decision at a time. To invest, you need a initial capital or a monthly surplusand none of those are going to materialize unless your spending and saving habits allow it.
If you are a saving personregularly or with a Christmas bonus/bonuses, you need to put it to work, but the raw material is. Now, If making ends meet is a via crucis (no matter how much your income grows), you will surely It would be useful for you to review your consumption habits.
If you wanted to improve your diet, your nutritionist would ask you to record everything you eat in a week, you would be surprised by the amount of things you ate unnecessarily. A financial advisor would suggest that you register all your expenses for a month, there you will find isolated expenses and some questionable consumption habit.
There is no morality in finance, it is neither right nor wrong for you to live on PedidosYa (talk to your nutritionist in any case). If that doesn’t stop you from achieving your goals, starting to invest for example, go ahead. The important thing is that your expenses are your decision and not the inertia of a habit that you never questioned.
There we can start, evaluating that your consumption habits are aligned with your objectives. What is not measured is not managed. What is not managed is not improved. Let’s talk, I’m always available through Instagram (@nr.asesorfinanciero), LinkedIn (Nicolás Rampinini) or my page (nrampinini.com).
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