How to increase money - 10 proven ways to increase your capital + visual examples

A person always strives to increase his capital and thinks about how to increase money without risk.

We want to dot the i’s and answer the main question of this article:

How to increase money without risk?

No way.

This does not mean that there are not relatively reliable ways to increase your wealth. However, remember - there is always a risk , it’s just that the probability of a risk event occurring may be different.

The method chosen as an investment must be safe from loss of funds and generate additional income. It is important to decide on the purpose of the investment: whether it will be long-term or short-term, with the possibility of using the funds. In order to finally decide, you will need to study methods for attracting additional capital and read our instructions on how to increase money.

Understand your expenses

The first thing you should do if you are serious about starting to create savings is to audit your own expenses .

Simply keeping track of all your expenses for at least two months will quickly give you an idea of ​​where your money is mostly going and how much of your income you can safely save without compromising your basic needs.

It is especially useful to understand your expenses if you spend everything you earn.

Now there are a large number of applications that will automate the budgeting . In addition, the financial analysis service is available in mobile/online applications of almost any bank.

By analyzing your expenses at the end of the month, you can quickly get an objective picture of how much of your money is spent on paying for utilities, restaurant bills, transportation, shopping in stores, and so on. At the same time, this will help you understand which part of the expenses is mandatory, and which expenses can be avoided.

As a rule, in this way you can easily free up 10–20% of your regular income , which can be consistently allocated to savings.

Earnings

If your job doesn't provide the income you need to cover your basic needs, change it. Taking on a larger volume, working part-time at night and on weekends with little pay will have a bad impact on the final efficiency. Especially if it negatively affects your health. Therefore, when looking for a new employer, make sure that there is a salary that not only covers your needs, but also allows you to save.

In some cases, in-demand professionals can achieve revenue growth within their company. But to do this, the employer will need to justify why and why he should pay his employee more. This leads to the next point - education.

Only that employee can ask for a salary increase or apply for a higher paid position who constantly improves his skills. It has been proven that a qualified specialist who does nothing to maintain the level ceases to correspond to the position held after 2-3 years. To compensate for the loss of professionalism, it is enough to devote 3 hours a week to education. Or take advanced training courses once every six months or quarter.

In some cases, you can devote your free time to studying a related or completely new profession. But it’s better to do it in the area that actually attracts you.

Freelancing is a promising area where you can turn a hobby into a full-time part-time job that brings in additional income. There are many cases in practice when a specialist gradually retrains himself, develops new skills, and then completely switches to remote professions.

But it is not necessary to radically change the sphere. Some specialists can give consultations or provide remote services outside of working hours. For example, a foreign language teacher can become a tutor or translator, an accountant can conduct online reporting for a company or prepare documents for the tax office.

A combination of three factors will lead to the accumulation of initial capital, which will be the start for increasing money:

• a clearly defined level of income to which you are striving;
• maintaining professionalism and learning new things within one’s own or a new profession;
• part-time job

After this, you can select an investment strategy without compromising your budget.

Get rid of expensive loans

A high debt burden greatly affects the process of capital accumulation. This is especially true for expensive loans, the costs of which, as a rule, are difficult to cover with investment income.

Therefore, before you start saving, try to reduce your debt load as much as possible.

The most expensive ones are usually credit card debts , where rates can sometimes reach tens of percent.

Secondly, you should pay attention to expensive unsecured consumer loans . If you have a consumer loan at a rate above 15%, it is better to try to repay it in full. If it is not possible to repay the entire amount at once, try, if possible, to repay the loan ahead of schedule in larger amounts, thereby reducing the size of the monthly payment.

#LIFEHACK

How do you know how much to save?

There are two main approaches to deciding how much to allocate to savings regularly.

The first is the capabilities approach. Having determined the level of monthly expenses , you will understand the amount of free balance from your monthly income. You can easily direct this amount to savings, practically without changing your usual standard of living.

The second approach is based on goals.

Let's say you understand that you would like to invest at least 1 million rubles a year. To form such a starting capital , you will need to allocate about 85,000 rubles from your monthly income to savings during the year. And the rest can be spent on everyday needs - perhaps in this way you will once again be convinced of which expense items are definitely worth cutting.

Summary table of all methods: pros and cons

Exaggerating existing funds is the dream of many people. They are looking for ways to increase their finances and make their investments absolutely safe. A reliable, profitable investment will allow you to multiply your capital and provide motivation for further development. It is important to remember the principle - when saving, multiply and not remain at a loss.

Method of earning income	Advantages	Flaws
Binary options	Online trading. Wide selection of trading instruments.	Increased level of losses and lack of possibility of early closure of the transaction
Provision of debt	With a stable client base that periodically borrows, high income	Getting rich on human need and negative attitude of clients when it is impossible to pay the debt
Bank deposit	Reliability of the deposit and receipt of income after the period specified in the agreement	With a small deposit, the amount of interest will not be high. Inability to withdraw funds
Registration of a bank card	Making profit from purchases	Low interest on balance and possible annual service
Real estate	High profit when selling real estate	Long waits for income and the need for a large sum of money to buy a home
Investment account	When withdrawing funds from the account, not all the money will be returned and no interest will be paid.	Receiving high profits after the period specified in the contract
Securities	Reliability	Lack of high income
Non-replenishable deposit in the bank	You cannot top up your account during the deposit period and withdraw it	Receiving interest at an increased rate
Purchasing currency	Opportunity to make a profit when the situation on the foreign exchange market changes	If the situation is unstable there is a possibility of loss of invested funds
Antiques	Probability of making a profit when selling after several decades	Sometimes the purchased item may not be genuine
Selling rare items	Investing small amounts of money and making a significant profit when selling	Difficulty finding the right item for bidding
Internet project	Online benefits and gradual development of the project	Without knowledge in the field of SEO optimization, the project may be unclaimed by users
Investment in the Beauty and Health business	High profitability	Contribution of a large sum for the development of the clinic
Purchasing valuable metals	Reliability from fluctuations in the foreign exchange market	Minimum profitability

Automate the savings process

We all find it difficult to perform any regular actions that promise a certain result in the future.

This psychological trap is well illustrated by the banal example of diets. You get excited about the idea of ​​losing weight, create a weight loss program, begin to implement it, but after some time you burn out and return to your previous lifestyle and diet.

The main reason is the delayed result.

One way to solve this problem in the case of investments is to automate the process of saving money .

Create a separate account and create an automatic debit order in your online bank : twice a month (on payday and advance payment) a certain amount will be automatically debited from your card. It is important that this money is transferred to a separate account that you will not have access to with a bank card . In this way, you will solve the issue of saving regularly and at the same time relieve yourself of the obligation to make a difficult psychological decision every time to put money aside in your “savings” account.

As practice shows, automating the savings process is the most effective way of saving to create start-up capital.

#LIFEHACK

Add a gaming moment to your savings process

Another option is not to save a large amount of your income once or twice a month, but try to accumulate small amounts regularly, for example, make it a rule every time you make a purchase to contribute up to 20–25% to a special separate account for savings. from the amount just spent.

Financial marathon - what is it and how to test yourself

A financial marathon is a specific goal that can be achieved in a short period of time. for example, you have set a goal and are studying methods on how to save 200,000 rubles in a year or even in 6 months, with a small salary. Now you write down by date - how much money should be in the account for control time points, taking into account expenses and receipts.

A financial marathon works very well in the form of a bet, a battle with someone: who will accumulate more in the current time, subject to the same conditions.

You are not limited in goals, in size, or in time. You can start with 2-3 weeks, then move on to a month, and then to a year. During this time, in addition to recommendations from experienced specialists and financial gurus, other rules will be developed that are effective specifically in your situation, allowing you to distribute funds and set priorities.

According to the theory of Gauss, who, although he derived his law in the plane of physics, the position of the normal distribution is important. It is based on the theory of Brownian motion, and this means that all instruments can give different indicators at different times. This is extremely important to consider when you are thinking about making money on the Internet; you don’t want to take risks by distributing available funds into different instruments and expecting a stable income from them. All that remains is to wish everyone an exceptional accumulation of funds, which will not only increase savings, but also bring useful knowledge.

Author Ganesa K.

A professional investor with 5 years of experience working with various financial instruments, runs his own blog and advises investors. Own effective methods and information support for investments.

Start investing right away

It must be remembered that the starting capital for investing in the stock market is limited only by the threshold for entering a particular instrument. You can start investing with 10 thousand, 20 thousand, or 100 thousand rubles.

If you have started to form start-up capital for investment and have set yourself a goal of 1 million rubles (or, for example, 6 million rubles, which are necessary to obtain the status of a qualified investor ), you do not need to wait until the entire amount is formed in the account.

Start investing in small amounts, buying securities in small lots, and continue to monitor the market situation. As your fixed capital is replenished, you will have the opportunity to purchase additional assets for your investment portfolio , especially if the market situation is favorable for purchases.

How to get the most out of your investment

In order for your money to work to the maximum with the highest efficiency, you need to combine them and use different investment tools.

So that all your goals do not remain just dreams, the first thing you should start with is to draw up a Personal Financial Plan*

Personal Financial Plan is a strategy for managing your personal finances, including the selection of optimal investment instruments, their quantity and investment timing.

A financial plan also includes properly managing your expenses and optimizing your income.

You can draw up such a plan either independently or by contacting a specialist on these issues, which will naturally be more effective.

And the first thing you should start with after drawing up such a plan is to insure your financial risks in case of disability.

American billionaire and human development coach Brian Tracy argues that our main asset in terms of earning money is our ability to earn that money.

And the first method will be devoted specifically to this topic.

Don't stop accumulating capital

You should not stop the savings process, even if you have already saved up a certain large starting amount and started investing.

Still, capital consists mostly of deposited money rather than accumulated interest.

Reinvesting the income received from investments, of course, increases the final return of the portfolio , but even the most aggressive investors can hardly increase the amount of savings through rent or dividends.

So a good return on investment does not at all eliminate the need to regularly replenish fixed capital.

Golden rules of smart investing - TOP 5 tips

As mentioned earlier, the financial skills of Invest and Earn are responsible for the increase in personal capital. The following principles will contribute to the successful development of these skills:

1. Don't put all your eggs in one basket. That is, we need to avoid investing all our money in one investment vehicle. Since, in this case, the risk of incurring losses increases significantly. It would be smarter to distribute the entire amount between several investments. For example, you can divide the entire amount into 4 parts and invest them in bonds, stocks, real estate and in a new business or any other investment instrument, according to our plan.

If you have very little money, consider starting your own business.

1. We invest most of our money in conservative instruments that are subject to minimal risk of losing their value. One of these instruments could be rental real estate or bonds. It is worth remembering that risk is the main indicator that you need to think about! High-risk instruments can also be in our portfolio, but their share should be small, and we should be prepared to lose them completely.

Before engaging in high-risk investments (forex, bitcoins, futures, options, etc.), you need to thoroughly study them and understand their essence. If necessary, undergo the necessary training from a trusted broker.

1. We create a financial airbag or nest egg, which should cover all our expenses for 3-6 months in case of loss of the main source of income. Having this cash will allow us to survive unfavorable times, find a new source of main income and, no less important, will allow us to preserve our existing assets and not sell them off.

more about creating an airbag in the article (link will open in a new window).

1. When investing, we focus on creating an asset, that is, something that brings us passive income. This could be rental property, bonds, dividend shares, and so on. This will allow us to always receive income, even when we stop working.
2. We study in as much detail as possible the company or instrument in which we plan to invest money. You need to make sure that this is a real and functioning organization and not scammers.

When deciding to invest in any business, it is recommended:

1. Check the company website. How long has it been registered and to whom? Fortunately, there are many resources for this on the Internet. For example, the resource whois.com.
2. Obtain a feasibility study or financial model of the project.
3. Analyze the market to understand whether the numbers in the model are realistic.
4. Study the financial history of the company. Pay attention to how they work with cash gaps or how to cope with seasonal sales declines.
5. View information on the company's owners and its managers. This is where surprises are possible, like real estate in other countries or a family who has been living abroad for the last few years after a failed project. Or a criminal case for fraud in the past, and moving abroad after parole

If you have the slightest doubt at any stage, it is better to abandon this investment.

investment analysis

It is also worth remembering the three fundamental rules of profitable investing. Investments must: be reliable , generate income and be easy to manage .

The most important

• Start solving the problem of savings by auditing your own expenses: this will help you understand where the bulk of your income goes, what expenses you can avoid, and what part of the money you earn can easily be directed to savings.
• Before you start building investment capital, try to reduce your debt load as much as possible: first of all, you should get rid of expensive consumer loans and credit card debts.
• Automate the savings process: if the required amount is automatically debited from your card every month to a special savings account, this will solve the problem of regularity and self-discipline in matters of savings.
• Start investing immediately, without waiting for a psychologically important amount to accumulate in your account.
• Continuously continue to replenish your capital by updating your savings goals: it is regular additions, not investment income, that primarily influence the amount of savings in the future.

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Field of miracles or not all investments are equally profitable

Money has always attracted and will continue to attract dishonest people who try to appropriate it for themselves. This is especially noticeable in the investment field. These people invent various schemes to steal money through fraudulent means.

This includes the creation of various funds, following the example of MMM, which promise large percentages of profitability. And all you need is to invest your money in it and attract more participants.

Try to avoid such projects. What else is dangerous to invest in:

1. Keeping houses under your pillow means inflation will quickly depreciate them, but money should work and generate income.
2. Deposits – It is not wise to keep all your money in the bank. After all, the yield on deposits loses to inflation. This means, as in the first case, money depreciates. It is better to use savings accounts to store funds for daily expenses. At least you can use them to make income and expense transactions without losing interest.
3. State pension programs - the profitability on them is not much higher than deposits. Accordingly, it will not be possible to create capital on them.
4. Buying and selling real estate requires a good understanding of the market and its trends. There is a high probability of being stuck in a deal for a long time. And whether this deal will be profitable is a big question. Purchasing real estate for rental purposes is a better option than for resale.
5. Projects or tools that you don’t understand – As stated earlier, you need to thoroughly understand an investment before investing your money in it. If you do not understand how the project works, what earnings are based on and how to get out of the deal, it is better to refrain from the project. The likelihood of losing money will be high. If necessary, it is better to hire a specialist who can help you understand this issue.

TOP 5 books on developing the skill Earn money

learning is light
In the matter of investing and creating money, it is important not to stand still, but to constantly develop and look for new opportunities. To improve your financial and entrepreneurial thinking, the following books will be useful:

1. “Multiple Streams of Income” - Robert Allen
2. “No cash advance” - Robert Allen
3. “Invest and grow rich” - Heinrich Erdman
4. "Money. Master of the Game - Tony Robbins
5. "Investment Strategies for the 21st Century" - Frank Armstrong

Now you know how to make money with minimal investment. Don’t be afraid, the main thing is to start taking action and your income will grow rapidly.

Job loss plan

It is important to understand that only you bear full responsibility for your financial situation. You should not rely entirely on just one state or a specific employer. Throughout the entire government system and any enterprise, changes are constantly taking place in one direction or another. Think in advance about what you will do if you lose your job or position. It is quite possible that now you should take a closer look at vacancies from other companies, take a new training course in your profession, or even master an additional specialization. But here the information about increasing finances is just beginning.

Method number 3: Be careful about money

Rationalization of costs allows you to achieve a tangible effect. In some situations, you can save money or not spend it at all by approaching the issue correctly. For example, working with banks. Withdrawing cash from another company's terminal requires paying a fee. Therefore, give up habits that drain your finances just like that: unnecessary paid subscriptions, the most expensive transport tariff, or, for example, an ordinary bottle of water from an expensive supermarket.

Prohibition of being rich

Money is one of the most difficult and taboo topics. It evokes a lot of feelings and emotions, which is why it can be so difficult to answer the question: “How much do you earn?” Someone else's wealth causes a feeling of envy.

Psychologists even coined the term “money stress effect.” It describes the emotional overload of people's attitudes towards finances and the relationships between people in situations involving money. Often, family upbringing, cultural or religious dogmas, and experience are to blame for financial troubles.

Some experts recommend performing the following exercises to determine your personal attitude towards finance:

• Identify and write down all personal negative thoughts about money and wealth in general. These should be the first judgments that come to mind.

• Then identify the same judgments, but made on behalf of parents, friends, acquaintances and relatives.

• Now they are the same, but from the lips of those around you during your youth.

• Compare lists.

There is a high probability that opinions will converge. There are many similar attitudes at the subconscious level, and we need to fight them. You should not be afraid of wealth, but direct your efforts to increase your own profits.

Natalya Chukhrova, coach, says: “You should always start with a goal. In coaching, there are a number of questions that help you understand the topic of income:

• How much do I want to receive per month, per year, over five years? Look carefully, are you concentrating on one number, or are you planning for some growth? If the number is stable, then perhaps you don’t believe that income can grow over time or you don’t understand how to do it. Set a goal. Look how realistic it is? Are you ambitious? Find some balance. And don’t be afraid to set big goals, they are harder to miss.

• Why is it important for me to have this particular amount? This question will help you increase your motivation to increase your income. After all, the answer to the question “why” often becomes the driver for the question “how”.

• What do I have now? This will show starting point A.

• How can I do this? Tell yourself in detail about your skills, habits and abilities that help you have a current income.

• What am I best at?

• How can I use this? What are the next steps? Everything is simple here - we outline an action plan.”

Ways to increase income

Ways to increase your income can be different, have different directions and require different efforts. However, listen to each of them.

Possible risks

Investments will always involve some risk. Many people have heard stories about entrepreneurs who lost half their wealth during the Great Depression and Great Recession. Everyone knows about the possibility of investors falling into scams. Although a person can never completely eliminate risk, it can still be significantly reduced if one invests money wisely.

Although investments can be risky, it is best to carefully analyze the situation and try your luck, because the income will be much greater than the funds that the entrepreneur is able to lose.

Federal loan bonds

Bonds are a debt instrument with a fixed income. In the case of federal loan bonds (OFZ), the government borrows money from you, then returns the money you invested and thanks you with interest. Market OFZs can be purchased from a broker. Their term and yield vary, so details must be clarified for each bond issue specifically.

In 2021, the Ministry of Finance issued On Federal Loan Bonds for Individuals (OFZ-n), “people’s” bonds, which can be bought at VTB and Sberbank, but can also be sold only to them. The return is stated at 8.5% per annum on average for 3 years. For three-year deposits, the weighted average rate is 4.85%. Weighted average interest rates on deposits of individuals and non-financial organizations in rubles attracted by credit institutions.

Profit period: depending on the bond term.

Risks: practically none, unless you expect the state to go bankrupt.

Someone else's business

Those who like to take risks and trust their intuition can invest in a startup or innovative technology. If the project succeeds, the investment will be returned in a larger amount.

But the risks are very high, most companies go bankrupt. Therefore, you should not invest your last or what you earned through very hard work. Well, don’t forget that finance loves rationality. You will have to sift through a large amount of information to understand which industry is trending and has a chance of success, and which is not initially worth attention.

Profit period: several years.

Risks: high.

Content

• Types of profit
• Short-term financial investments
• Binary options
• Borrow money
• Sales
• Bank cards
• Long-term financial investments
• Bank deposit
• Precious metals and foreign currency deposits
• Saving money is the initial stage of increasing money during a crisis
• Opening your own business is a quick way to increase your money
• Investments in real estate, one of the ways to increase your capital
• Social networks and earnings from advertising
• YouTube as a way to increase your money
• Investing in yourself
• Loans - why you shouldn’t go into debt
• Conclusion

Prioritization, financial distribution scheme

It is also worth noting that any person, and especially a family, must have their own plan for handling income and a clear understanding of how to save money correctly. After all, you need to think not only about short-term goals, but also about the future, including that of your children. A savings distribution scheme will help you with this. It looks something like this:

1. Mandatory expenses (food, housing, clothing).
2. Unforeseen expenses (urgent trips somewhere, repair of broken household appliances).
3. Emergency reserve (your savings capital to solve unforeseen problems).
4. Medical expenses (health insurance, doctor visits, medications).
5. Education of children (saving money to pay for prestigious education in the future).
6. Other projects (investments, acquisition of any goods).

This is a general picture of where funds should be put aside and how priorities should be set (point 1 is the most important). You can adjust it at your discretion and manage your income more rationally.

We calculate the cumulative amount

In this case, it is worthwhile to dwell in more detail on the calculation of a specific cumulative amount. Let's say you decide to save $1000 for a new laptop. How much money can you save each month without reducing your expenses for necessary food, rent, etc.? If you are sure that you can allocate $250 every 30 days without unnecessary costs and special harm to yourself, then do so (it will take 4 months to accumulate). If this is too much for you, then calculate the size of the savings amount that you can definitely save. So, if it is 100 dollars, then it will take you 10 months to save for a laptop. The main thing is to clearly determine the amount of capital needed and regularly save it.

A short introduction

Many people mistakenly believe that financial problems and constant need for loans are a consequence of insufficient income. This is wrong. It is important to realize that financial difficulties, familiar to everyone, are the result of improper management of personal finances. This is important to understand and accept as a fact. For example, the income of the world famous Michael Jackson amounted to millions of dollars, but few people know that in the last years of his life his total debt was $300 million. Mike Tyson was a billionaire, but lost his entire fortune and is now bankrupt. These facts only confirm that the secret of financial well-being is not at all in the level of earnings, but in the correct management of personal funds. Bodo Schaefer developed 6 rules that have proven their effectiveness. Following the recommendations of this businessman is available to everyone. It is important to carefully read them, implement them into everyday life, and within 1-3 years forget about financial difficulties forever.

In B. Schaefer’s books translated into Russian, as well as in audio books, there is a lot of advice regarding motivation. Motivation is known to be a temporary psychological factor that influences productivity. Since in practice discipline is much more effective, the presented material will present only practical advice from B. Schaefer without “lyrical” digressions, adapted to domestic reality.

How to quickly increase money: short-term investments

How to increase money in a short time and turn it into an additional source of income? There are proven ways to invest.

1. Participation in binary options

Perhaps everyone is familiar with the concept of binary options and financial markets. Many doubt the reliability and honesty of this type of income increase. Doubts are fully justified, but partially.

Is this way of earning money reliable? There is a high risk here. There is only one way to protect yourself from loss of funds: by continuously improving your knowledge in the field of trading in financial markets. If you have little knowledge of this industry, we do not recommend increasing money in this way.

There should be no doubt about honesty. Choose a site based on recommendations from friends, read reviews on the Internet. Give preference to already established sites with a solid reputation.

2. Borrow money at interest

The next option to increase capital is to lend money at interest. If you are not so burdened by moral principles, then you can easily provide loans at 2% daily, turning this into an additional source of income.

Thanks to the correct execution of documents when transferring borrowed funds, you have almost no risk of losing your own money. The worst that can happen is that the money will have to be returned through law enforcement, possibly even through legal action.

But at the same time you can receive an income equal to 700% per annum. The amount of earnings received directly depends on the funds invested. It's safe to say that most of your borrowers have an 80% chance of becoming repeat customers. At the same time, no one will be in a hurry to repay the main debt. Borrowers will only pay interest on the debt.

3. Sales

Another method to increase money. It is not as effective, but more loyal. The idea is that you sell products online. At the same time, you do not make wholesale purchases and do not store goods so that products that interest buyers are always in stock. It is enough to act as an intermediary between the client and the seller.

The essence of your work is to find a buyer and then contact the seller. You bring these two parties together, hoping to make a deal, and get your percentage. The size of your profit will be determined by the number of products sold and the commission that the seller is willing to pay. This is the best way to increase money if you do not have a large amount to invest in large-scale projects.

4. Using bank cards

Let's look at debit cards first. Today, many banks, trying to get as many customers as possible, offer to issue a debit card with cashback of up to 5% on all purchases and 10% per annum on the balance in the account. Thus, apart from issuing a card at the bank on favorable terms and further using it, you don’t need to do anything special.

At first glance, the amount is insignificant. On average, 600–700 rubles come out monthly. Now calculate how much you will receive in a year. Nice, isn't it?