Borcanele financiare

Sistemul Harv Eker

*Anyone can start using this JARS METHOD of managing their money even though if you think you do
not have a lot of money to manage. The key is to develop a habit of managing your money, but not how
much money you have available for you to manage. One must get into the habit of managing their own
money, and you can start with as low as $1 to begin using this system.

Cele 6 destinaii i ce procent din suma gestionat merge ctre ele sunt urmtoarele:

10% Independen financiar (Financial Freedom Account)

10% Economii i Cheltuieli pe termen mediu i lung (Long Term Savings For Spending
10% Educaie (Education)
50% Cheltuieli curente (Necessities)
10% Distracii (Play)
10% Donaii (Give)

*** Nu este important cu ct ncepi, ci s construieti obiceiul de a face asta!

Legenda:

1. Independen financiar (-10%)

Aici lucrurile sunt destul de simple. Aceti bani nu ai voie s-i cheltui, mai nti acumulezi, lun de lun
pn reueti s strngi o sum semnificativ. Ceea ce ai voie s achiziioneti de aici sunt active, de
exemplu immobile pe care le vei nchiria, iar banii din chirie se ntorc tot aici, atenie la acest aspect.
Acest borcan are nevoie s acumuleze din ce n ce mai mult. Este cheia ctre libertate financiar,
momentul acela n care veniturile tale pasive depesc valoarea cheltuielilor tale, din punct de vedere al
stilului de via. Sumele de aici le poi lsa motenire, aa c ai i un alt scop dincolo de momentul
prezent sau pe termen scurt. Aici pui ban pe ban cum se spune, iar aceti bani vor atrage mai muli
bani, exact ca un magnet. Este un principiu antic.

2. Economii i Cheltuieli pe termen mediu i lung (10%)

Banii care ajung aici vizeaz zona de cheltuieli pentru cas, main, concedii, datorii, educaie pentru
copii, precum i cheltuieli care apar fr s le ai pe list. Da, aici intr i cheltuielile neprevzute.
Gestioneaz cu atenie cum cheltui banii de aici, pentru c nu sunt foarte muli la dispoziie, iar dac i
apare ceva neprevzut, borcanul se poate goli imediat.
 3. Educaie (10%)

Numele este foarte sugestiv i indic n mod clar direcia n care merg banii. Nu exist un borcan mai
puin important, dar dac i doreti s evoluezi personal, s ai mai muli bani, s treci la nivelul urmtor
din viaa ta, aici este cheia. Educaia ta nseamn cri, materiale audio i video, cursuri, seminarii,
conferine, traininguri, evenimente de networking, culturale i orice alt tip de instrument necesar
creterii nivelului de informaii i cunoatere. Strnge bani dac este ceva mai scump, apoi investete cu
inteligen i cu atenie, doar n lucruri care te ajut s creti, care i dau valoare i te fac s devii din ce
n ce mai bun. Educ-te pentru atingerea scopurilor tale.

4. Cheltuieli curente 50%

Aici includem absolut tot ceea ce este legat de ntreinere, gaz, lumin, ap rece, ap cald, gunoi,
combustibil, abonamente televiziune, telefonie, internet, mncare, frizer i altele. Aadar, este vorba
despre ceea ce se cheam necesiti, lucrurile care ne vin la plat n fiecare lun. Dac nu i ajung banii
de aici pentru acoperirea necesitilor, atunci este posibil s trieti o via pe picior mare i cheltuieti
mai mult n direcia satisfacerii dorinelor, adic dincolo de necesiti. n schimb, dac eti n situaia
fericit de a-i acoperi ultra suficient aceast categorie, suma suplimentar te sftuiesc s o trimii ctre
independen financiar, pentru c acolo i doreti s ajungi ntr-un timp ct mai scurt.

5. Distracii (10%)
Munceti, dar te i distrezi, ceea ce este normal. Dac te distrezi peste msur vei afla n momentul n
care vei trimite acei 10% aici. Banii de aici merg n direcia activitilor sportive, de relaxare, de
nseninare a sufletului. Simte-te bine cu banii de aici.
Principala regul este c aceti bani trebuie cheltuii n fiecare lun, aa c dac nu sunt prea muli, se
vor duce destul de repede. Bucur-te c ai aceast posibilitate i distreaz-te.

6. Donaii (5-10%)
Druind vei dobndi. Doneaz banii de aici n scopuri caritabile cu care rezonezi i din puinul tu poi
ajuta o alt persoan sau chiar mai multe s scape de o suferin, s le mai aline din durere sau s redai
o ans la via.
Este un principiu vechi de cnd lumea i funcioneaz perfect, fr ca noi s ne dm seama, pentru c n
via primeti ceea ce oferi, aa c nu mai sta pe gnduri i f un bine cuiva care are nevoie. Nicio ocazie
nu este de lepdat atunci cnd poi fii bun.

**** Poti ncepe cu sume mici de bani 10 RON, luna viitoare 30 de RON, apoi 100 de RON i tot aa.
Financial Freedom Account (10%) Put 10% into your FFA whenever you receive money, such as your salary.
You must NEVER, NEVER spend the money that you put inside your FFA account. Any money inside the FFA
account can only be used to purchase or acquire passive income streams to grow your money. You may spend the
interest acquired from the FFA if you choose to, although it is recommended that you do not. Keep the interest inside
the FFA to grow your capital and interest faster. Think of your FFA as the golden mother goose that lays you golden
eggs, if you spend the money inside the FFA, it is akin to killing your mother goose that will bring you golden eggs
(your riches). Instead, keep the baby geese (FFAs interest) that the mother goose is giving you, and you can grow
more baby geese (your wealth) even faster. As you may already get it, the idea is to create a golden goose! You may
prefer to think of the FFA as a legacy that you can leave behind for your future generations. If you are one who
believes in the law of attraction, this FFA is actually your money magnet. Keep putting more money into your FFA and
attract more $$$ into your life! Put $$$ into your FFA account everyday if you can, even if it is just a penny.
In summary, the time to spend your FFA capital is NEVER! When you stop working, you get to spend the eggs but
never the goose!

Long Term Savings For Spending (10%) Put 10% into your LTSS whenever you receive money, such as your
salary. The money inside LTSS can be used for major expenditure such as savings for your childrens education,
buying a house for yourself, keeping aside contingency funds.

Education (10%) Put 10% into your EDUC whenever you receive money, such as your salary. You can use the
EDUC funds for your self-education, for examples, books, seminars and events etc. Everyone needs to learn,
especially in this changing world. Grow your comfort zone through learning and doing. If you are not growing, you are
dying!
Take this quote from Ben Franklin:
If you think education is expensive, try ignorance!

Necessities (50%) Put 50% into your NEC whenever you receive money, such as your salary. You should use the
funds inside your Necessities account to settle all your essential bills such as phone bills, electricity, clothings, eating,
driving, travelling, hair etc. If you cannot survive on 50%, simplify your lifestyle. Instead of driving a car, perhaps you
can take public transport, or drive a Honda instead of a BMW. Buy Converse jeans instead of Armani.
When your usual needs for instant gratification kicks in, think this:
Wealthy people think Long term. Poor people think Short term.

Play (10%) Put 10% into your Play account whenever you receive money, such as your salary. You are supposed
to spend this money every month to pamper yourself. The key is to BLOW this Play money away every month so that
you will feel good about having money and spending it! You should feel guilt-free when you spend this money every
single month. Maybe you go for massages once every month, now you can use this money to really pamper yourself
by going twice, thrice or as much as you want. Or you can try ordering champagne during dinner at a restaurant if you
do not usually do. Or buy yourself a new gadget. Anything outrageous that you can do to pamper yourself and makes
you feel really good. You are recommended to BLOW this money every month. However, if you need to save up for
things such as short trips getaways that require a little more money, you can accumulate them up to a few months,
say a quarter, before you use them.

Give (10%) Put 10% into your Give account whenever you receive money, such as your salary. You can use the
money for donations to charities, use it to help someone in need. Giving is important. If you choose to give 5%, take
the extra 5% to your NEC and change the % allocated for NEC from 50% to 55%.