I read somewhere “You live much better than any noble or King of the Middle Ages,” that phrase made me reflect a little. Except for the extremely poor people, maybe it made sense. A King in the Middle Ages would die peacefully from a simple appendicitis, a Queen could die just by impregnating twins.
Any disease was basically synonymous with death. We have to remember the poor conditions of hygiene, sanitation, body products, food quality and more. A person today, of the Brazilian middle class, has a relatively high personal comfort, a great expectation of life, almost 80 years, although nothing is perfect, we are much better and with a much higher quality of life than we would have been if we had been born there 400 years ago.
And I go further, the world gives us so many facilities and so many opportunities that we tend to buy and use many stupid things, such as a potato peeler, is super practical, but you could not simply use a knife? Why do we buy more and more things for our comfort and practicality and do less and fewer things? One day I said to my Facebook wall that I still expected the launch of the “banana peeler” of course I was joking because I do not see fruit easier to peel than a banana.
The example is just to illustrate, we invent robots to sweep and vacuum our homes, dishwashers, clothes, coffee machines, machines for everything, machines to read (iPad and kindle) and more. Fashion is now that of “automation” in homes and apartments. I think I already spoke here but these things scare me, a friend of mine spent $ 40,000 to automate his ap (seriously). That means he’ll be able to turn on the air conditioner before he gets home, or he’ll be able to turn on the lights from an iPad on the kitchen wall. First of all, I am not making any sense of value, each one does what he wants with his money.
I for my part want my financial freedom as soon as possible, this is my choice. And I also wanted to ask: What is the cost of opportunity to live increasingly with so many superfluities and futilities? Do I really need a robot to vacuum my house? From a dishwasher? From a machine to make my coffee? Of course not.
One of clothes up goes because washing in the hand is very, very tiring (I have washed many times, many even). The industry and the inventors every day bombard us with things we do not need to work harder to pay for all that and remain slaves to the system. Are you doubting me? Call the Polishop here! I never bought a single product of the Polishop in life, I think even grace, besides being expensive. Overtime of slavery for very shallow gains of time. But now, as usual, let’s go to the post.
To begin to improve, admit at least one thing, you live with much more than the basics, EVEN MORE. First, think about your clothes, how many shirts, pants, shoes, sneakers, handbags, backpacks, socks, briefs, panties (if you are a woman) you do not have there in your house? And your car? Did it have to be that? How much stock capital do you have in your home that could be yielding to you in stocks, real estate funds, and fixed income? Ah, frugal this is nothing! Is nothing?
Think of your $ 250 monthly cable, you think? It gives R$ 3 thousand per year, R$ 30 thousand every 10 years! And I’m just talking about one of your accounts. Join your cable TV 250 monthly, plus 250 monthly clothes, 250 gasoline because you have a more powerful car, 250 reais from expensive restaurants … etc etc … each item of 250 reais a month will cost you $ 30,000 in ten years. Awesome, right? Then people complain that they have to work until they are 65 or 70 years to retire … But of course, consuming all kinds of crap, superfluous, things, dishwashers, and garlic peeling machines, beaters to beat An egg and so forth, how will you capitalize to retire? Pretty hard.
The truth is that we enjoy more and more of comfort, and this has a cost in our lives, the cost of opportunity. Every real you spend is one less soldier on your battlefield. We live in a brutal war for survival (I borrowed that phrase from Darwin) he spoke in a biological sense, I speak in a financial / freedom/work sense. The more soldiers you lose, the longer you’ll stay on the battlefield. If you came with 10 million soldiers at a time you would win the easy war, but you insist on putting 5,000 soldiers a month into the war and withdrawing 4,500 soldiers, how are you going to get 500 soldiers a month?
It was the deaths of those who are there, and who are natural and unpredictable (losses to the market or things of life such as unemployment, health, family donations, etc.). Every pair of pants you hang in the wardrobe could be 100 reais more in fixed income, please do not judge me radical, I’m just explaining how it works, each of your shoes of 500 reais in the closet costs you 6 reais a month, remember that stock (THINGS IN YOUR HOUSE) is COST. Every business knows that inventory is cost, why would not you know?
What makes us better is to admit that we are wrong. Anyone who does not admit an error remains in it. I think it’s wrong to have my house jammed with “stuff”. I like the American word “stuff” to designate things and objects, it seems more complete. When I read “stuff” until I feel uncomfortable. How much stuff do you need in your life? Do not you have enough? Why buy more? You have a 2001 palio that takes you restlessly to work, why do you want to change in a Toyota Corolla 2017? Do not you think Palio already solves your problem? Are you going to invest 80,000 reais in replacing your motorized sofa? What’s the point of this? This is the reflection I want to provoke.
My ap is very small, 60m square, for me it is already much more than enough, it could be even smaller, I do not need 60m more of stuff to worry about, to take care of, to pay tax and to clean. For 2 years I have not bought clothes, I only buy the extremely necessary (I have 5 jeans) and I already think much more than enough, a beige, two black and two normal. I have 2 sneakers, 1 social shoe, 1 Hawaiian sandal and 1 crocs (which I use daily at work). My car is 2007 and I have no intention of changing. I have about 8 polo shirts, 10 long-sleeve buttons, and a 5-button short-sleeved shirt, and some old shorts to stay at home, and to finish some 20 basic shirts (which I use to work, go to trade, work, Go to the bank, travel, go to the bar and even to the ballad). I do not see the need to have more than that, I spend months without using one piece or another. Of extravagance on my apt has a washing machine, a dolce gusto, and a microwave.
Only, stove and refrigerator I will not tell because they are basic of every home. Well, but I did not want to talk about myself to save myself criticism, I think that each one has to make his mea culpa and see what he can do to reduce or simply not buy more.
I have the following policy (remember that my apt is small), EVERYTHING that is going to enter my house has to have a noble function and VERY NECESSARY and CAN NOT BE CLEARING, moreover, preferably YOU MUST LEAVE ANOTHER THING Of similar size. So my life gets leaner, my house cleaner and my money get in the best place it could be, invested in financial products.
Reflect, why have and keep MANY THINGS, THAT EXCEED THE VERY BASIC TO LIVE? They have no financial or ecological sense, no space, no practicality, no usefulness. And brush brushing the teeth, being ELECTRIC and costing up to 10x more than the common (I will not even comment)? Every bigger AP, you will pay more IPTU and condominium more expensive, if it is a house idem, will need cleaning, will spend more on maintenance, and this is for a house or car (insurance, IPVA, gasoline, maintenance … etc … ) Everything more expensive.
The difference from an automobile to a manual? The big difference in gasoline consumption, in addition to the price on the purchase, a popular manual car or even a sedan makes 10-13km / l, if it auto drops almost in half 7-9km / l, then you need EVEN one automatic car? People spent 100 YEARS driving manual cars BUT NOW they are almost THANK YOU for having automobile cars drunk and thus consume more hours of work and free life to pay all that difference in buying and off gasoline? It does not convince me.
Incidentally, DO YOU NEED ANYTHING, of a car, or of using your car with SO MUCH frequency? I have a friend who turns subway and UBER in the capital of São Paulo, DOES NOT WANT TO MORE NOR KNOW OF CAR. There is a MUCH DIFFERENCE from you ATTACHING A FINANCIAL FREEDOM or say FINANCIAL LIBERTY at age 40 or 55, yes, and for simple things like a manual car, a subscription to cable TV, a Magazine type VEJA (not signed at all) , To eat every week ONE expensive lunch, etc … etc. Remember that every $ 250 a month spent in idiotic cost you $ 30,000 every 10 years if it is for a couple then it costs them $ 60 thousand In ten years.
It’s your life, dear friend, that is taken away a little every day and you do not even realize it. The Matrix sucks your mental and works ability for basically nothing much, just to keep you on course, fulfilling your slave role by turning the gear, lionizing the system, consuming things you do not need to have to work harder to pay for it all.
I still think of the day I live in a quiet place, use a car as little as possible, walk a lot on my bike, have lots of time to stay alone, reading, writing, doing my things, doing my handiwork, creating something useful, practicing sports And taking good care of my future family and also very well of the education of my future children. It’s almost a dream. I do not know if it has to do with this millennium generation that seems to be more torn from things, although in fact, I have discovered that I am from generation Y, whatever that may be.
Remember: EVERY THING MORE THAN THE BASICS YOU HAVE IS A SOLDIER UNLESS THE WAR! And this war is won with more soldiers.
Also learn that more radical technique:
Take one thing to pay monthly, multiply by 12, will give the ANNUAL cost, then multiplied by 10, will give the cost in a decade, see if it is well worth the cost because a decade of work, investment and contributions can set forever their early or late retirement, see if wORTH EVEN wORTH the payment of such monthly fee that can be anything, and see the OPPORTUNITY cOST and the IMPACT that this cost will cause them.
I assure you that you WILL SUPREME with the results you will find. Now imagine this has the INVOICE YOUR CREDIT CARD.
That’s it, folks, keep things in the basics, we do not need so much to live. That’s what I meant today.
WAKE UP DRONE PEOPLE!