. Reasons You're Not Rich .

Sering sekali dengar orang mengeluh karena terbatasnya financial mereka. Berikut bacaan bagus, diambil dari yahoo.

Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.

The list of reasons you may not be rich doesn't end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.

Here are 10 more possible reasons you aren't rich:

You care what your car looks like:
A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.

You feel entitlement:
If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.

You lack diversification:
There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.

You started too late:
The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.

You don't do what you enjoy:
While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.

You don't like to learn:
You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.

You buy things you don't use:
Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.

You don't understand value:
You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.

Your house is too big:
When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.

You fail to take advantage of opportunities:
There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.

Kebebasan financial? Seriuslah!

Anggap saja tulisan itu semacam cambuk dari Brian Tracy.
Menurutnya, ternyata impian kebebasan finansial itu bukan untuk semua orang.
"Banyak yang dipanggil, namun sedikit yang dipilih", katanya.
Semua orang mempunyai harapan meraih impian, harapan dan khayalan menjadi kaya. Kemungkinan untuk mencapainya pun terbentang luas. Namun kenyataannya hanya sedikit yang mampu meraihnya.
Hanya 1 dari seratus orang yang menjadi kaya dalam kehidupan mereka. Hanya 5 persen yang mencapai kebebasan finansial, yaitu orang yang mempunyai cukup uang untuk mendukung gaya hidup mereka tanpa harus bekerja lagi.
"Seriuslah", kata Brian Tracy yang membesarkan bisnisnya dari nol ini.
Kenyataannya, satu-satunya jalan untuk meraih sasaran finansial anda adalah jika anda berhenti berputar-putar dan benar-benar serius.
Jangan beralasan situasinya tidak tepat. Situasi tidak akan pernah tepat. Selalu ada alasan untuk menunda, namun taruhannya terlalu tinggi.
Seorang bijak pernah berkata, bahwa ada dua hari dalam hidup ini yang sama sekali tak perlu kita khawatirkan.

Yang pertama.:.hari kemarin.
kita tak bisa mengubah apa pun yang telah terjadi. kita tak bisa menarik perkataan yang telah terucapkan. Kita tak mungkin lagi menghapus kesalahan dan mengulangi kegembiraan yang kita rasakan kemarin. Biarkan hari kemarin lewat, lepaskan saja.

Yang kedua.:.hari esok.
Hingga mentari esok hari terbit, kita tak tahu apa yang akan terjadi. Kita tak bisa melakukan apa-apa esok hari. Kita tak mungkin sedih atau ceria di esok hari. Esok hari belum tiba, biarkan saja.

Yang tersisa kini hanyalah hari ini. Pintu masa lalu telah tertutup. Pintu masa depan pun belum tiba. Pusatkan saja diri kita untuk hari ini. Kita dapat mengerjakan lebih banyak hal hari ini bila kita mampu memaafkan hari kemarin dan melepaskan ketakutan akan esok hari. Hiduplah hari ini. Karena, masa lalu dan masa depan hanyalah permainan pikiran yang rumit. Hiduplah apa adanya. Karena yang ada hanyalah hari ini.
Anda harus serius. Hari ini juga.
Keluarlah dari comfort zone (zona kenyamanan). Ambillah resiko. Anda tidak akan tahu ganjarannya kalau anda tidak memulainya.
Lakukan hal yang berbeda. "Hanya orang bodoh yang mengharapkan hasil berbeda dengan usaha yang sama", kata Albert Einstein.
Namun, dalam mencapainya, selaraskanlah segenap pikiran, perasaan dan tindakan anda. Agar anda menjadi orang yang seimbang.
Jangan lupa, the power of doa. Ask, and you will receive. Mintalah kepada yang Maha Pemberi.

.:Diolah dan disajikan kembali dari berbagai sumber:.