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Extend the service life, reduce costs, plans to buy, to patronize discount stores
my audience often asked why millionaires use coupons? This saves 50 cents, however - and life savings can, but also how much additional investment.

shopping habits of millionaires in the United States, the typical well-off families a week on food and household goods on the expenditure of more than 200 U.S. dollars. That is, each year more than 1 million. In the adult lifetime, that is, 40 million to 60 million. If you cut 50% of this number, that 20 million to 30 million dollars, and the money invested in stock funds, according to the rate of return over the past few years, you earn the money would exceed 50 million.
vast majority of millionaires hope for the future. They are probably in a certain period in the calculation of costs and benefits of various activities in order to save the family expenses. This behavior and wealth accumulation of a high degree of contact, but this is only a millionaire overall austerity program in a small part.
that is the key. In the United States more than two-thirds of people are impulse shoppers, they do not carry a shopping list to appear in a supermarket. They have no plans, in shopping malls in walking around, which is likely to spend a lot of time to find the product. Spend more time he spent on the more money.
people's behavior has repeatedly confirmed this fact, and in case there is no shopping list, people often only need to purchase a few weeks later, or simply do not need. You may also think that most millionaires so the maid to go shopping. In fact, most people buy food themselves.
then the best way to shop is it? I've seen the couple in the millionaire, there are a couple that we do. According to two of them in the grocery store frequented by interior maps, and marked with each category name and location of goods. This map is to produce a shopping list and shopping guide map of the index. If an item runs out, they would circle on the map. They also buy food this way, of course, discount coupons and gifts will be recorded in the relevant map.
This sounds like a lot of work, but it is not. They have their own views. If you do not have a shopping list, no shopping program, you will be in the grocery store each week to spend 20 minutes, 30 minutes or more time, that is, you do not have a good plan ahead of time to do
reason. If you take a week for 30 minutes, then in life, it will be 62,400 to 78,000 minutes, or 1040-1300 hours, or 65-81 days.
on the ? In some places, the law provides that only holds a certificate of installation work to install gas water heater, I think you will not learn to install, and no license. I have visited is how millionaires think?
millionaires and those who might become rich on the In this process, you may save $ 150, but this figure is very deceptive.
water heater installed in your use of the cycle, and no insurance. You are very easy to install incorrectly and burn system. Worse, if installed wrong, gas leak, then you and your family will be poisoned. These problems are caused by the initial cost savings. Your life and your family's life worth? These are priceless.
also involve trade-offs. You can not install the water heater at the same time do other things. Of course, the hours of installation work cost more than your hours of paid, so by their own installation, you can still save some costs, but you do not take into account differences in the dynamic cycle cost.
Think about it: If you decide to install the water heater yourself, you have to buy water heater, it takes time and effort. You can use these time and energy to enhance their professional skills or study for investment projects; you can use these time to find new customers - to find a new customer to earn the money far more than 150 dollars.
water heater in the buy, you also have to learn theory and install water heaters need the right tools. Whether you rent tools or buy tools, it must spend time and money. How many water heaters you will install it?
I often tell people, millionaires are frugal. But many people mistakenly believe that thrift is everything yourself. Enhance the economic benefits of frugal family, so the millionaire is very frugal.
key word here is resources, not just the initial cost of the money spent, but the entire dynamic cycle costs. Most millionaires are not everything yourself! Their approach is: to earn from their professional income, and income for those employed full-time painters, carpenters and installers, it will be more cost-effective.
repetitive work with athletes
Not long ago, Mr. Thomas and I had a conversation. He is a skilled construction worker, he and other family members have completed the house most of the works. They can build high quality houses.
Mr Thomas said: But I told him:
Thomas nailed a nail into the wood to receive only one income, there is no other income. He only received a reward, no reward nail nails. Thomas may not yet reached a certain level of attainment. One day, he might really tired of this kind of work.
I found that many college graduates in similar occupations. For example, the United States, the vast majority of Certified Public Accountants, for example, they are full of intelligent, hard-working professionals each year to prepare many tax returns.
But you can not be classified as property tax returns, it is just a duplication of efforts. Some CPA different. They developed a software program associated with the tax revenue, sold thousands of copies of such a program, but will sell more in the future. These programs will continue with the production royalties and the corresponding remuneration. The key is that these products can be regarded as property - the need to prepare tax returns can also generate income.
no matter what, you have to work hard. You only pay once to engage in paid work, or you can pay a hundred times in paid work - it all depends on you. If you spend your life, as Thomas did, then you only get a piece reward. If Thomas to spend a few hours a week to build their own
People often ask me, for many professional baseball players have any views on the huge salary. I believe their pay is value for money, but I'm not jealous of these high-income athletes. Many athletes career is very short.
70% of millionaires in the United States replaced the sole
rich is not the largest of these commodity consumers? They are not buying today, tomorrow, throw it? Maybe they hate the recycling, or hate for soles. My results exactly the opposite: the millionaires in the survey, 70% of people replaced soles. This figure may be underestimated because about 20% of people are retired millionaire.
These shoes are often refers to These are rare commodities in the average American family is difficult to find the shoe.
senior managers of these shoes, large-scale private enterprise owners and politicians, lawyers, investment bankers, securities brokers were very popular. Why are they willing to pay $ 200 pair of shoes, $ 300 or more money? This is a perception and preferences.
dress shoes and other audiences (including many millionaires) on the initial cost or less sensitive to the initial price, they are more concerned about the quality of the shoes. These people who are sensitive to the quality of the life cycle cost based on measured quality.
I have, When I bought it spent $ 100 pair of shoes, and they also replaced two at the end, spend $ 50 each, so my cost is $ 200, plus $ 20 shoe last, the total cost is $ 220. This shoe has played in extending the life of shoes a key role.
will be $ 220 assessed in 1600 days, then we can draw, the cost per day is lower than the required 14 cents. Let me tell you my teenage son how much to spend on shoes now. He pierced a year - this is bad or outdated models - six pairs of Nike or Adidas shoes. Life expectancy of each pair of shoes between 80 to 100 days, the cost per pair of shoes at 65 to 85 dollars. Even if the service life of 100 days of shoes, these shoes have
one day use of the cost of 65 cents.
I would like to ask, what kind of person would spend more money on shoes? Tendon at the end to wear $ 300 shoes millionaire managers or ordinary wear $ 85 shoes college students do?

some behavior for clues may reflect a lot of families, and can reveal whether these families in financial management and efficient.
accordance with the order, there are 4 main patterns can be displayed from the survey data. First consider the model of a - extended service life. Nearly half of the millionaire (48%) said they would re-decoration or refurbishment of furniture through in order to reduce costs and improve the efficiency of household management. These respondents also said they had the shoes for the end or repaired, and the repair or rehabilitation of the clothes.
Now consider Model II - Overall, the comparison of 3 kinds of acts under the heading of the answer and the In other words, will
to a better understanding of millionaires, people have to answer some of their unique mode of existence of a total of four factors - the two already mentioned, there are three models - plans to buy, mode IV - - patronize discount stores.

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