Taught by the bitter experience of the past, when they suddenly lost their savings for cars, cooperative apartments and garages, our citizens often prefer keeping bills and coins at home. My home is my fortress, this time-tested postulate has not lost its relevance.
And what is the correct way to keep money in the house (in the apartment)?
That's right - this means observing security measures, protecting cash from attacks by malefactors and taking into account the traditional and modern postulates that ensure the growth of the money supply at home. Whether these laws work or do not work is difficult to objectively say. But, given the massiveness of the enthusiasm for observing the rules for keeping money at home, one cannot deny their effectiveness. Moreover, the principle of preserving and increasing energy, energetics has long been recognized by official science. And banknotes and related opportunities have a powerful energy potential.
Where to keep money at home according to Feng Shui
Important! Feng Shui is probably one of those philosophies where money and its possibilities are given a special place and attention.
Unlike many other beliefs, where money is considered a product, a sign of imperfection and is far from the world of spirituality, Feng Shui perceives them as an opportunity to do good deeds for yourself and others. That is, as an unconditional blessing. Tips on how to store and increase money at home are an actual part of Feng Shui teachings. Feng Shui rules for keeping money at home:
How to become a wealthy and successful person
How to keep money at home in Feng Shui
Large bills must be smoothed, banknotes of the same denomination must be folded in piles, placed in a beautiful expensive storage container: a purse, wallet, safe.
Important! There is no disdain for trifles in Feng Shui. Coins are the same money.
It is best to adapt a beautiful container for their storage, warm energy, for example, clay, earthenware. Place it on the windowsill (closer to the source of Energy) and put coins in it. It is advisable to replenish the vessel daily, then the money river will not run out, it will multiply. For the same purpose, it is recommended to have a fat woman at home - a "money tree" that attracts and multiplies the money supply. Interestingly, many of the recommendations of law enforcement officers on how to keep money at home coincide with the traditional rules of Feng Shui.
Where is the safest place to hide money in an apartment?
The most reliable place will be a modern built-in safe with a reliable burglary system, with multi-level locks, connected to the access control system of the private security point. Of course, no one method provides one hundred percent protection, and if attackers (and in almost a hundred percent of cases they are friends or relatives) decide to steal money, they can develop complex plans to disable the safe's security system. Therefore, it is necessary to make it a rule to monitor its protective mechanism on a daily basis. The simpler and more common, but no less effective ways of safely storing money at home will be:
- fake sockets. It is unlikely that thieves, armed with an indicator screwdriver, will look for a fake socket. It takes time that works against them;
- fake pipes - plumbing or sewer pipes that match the design;
- in specially equipped ceiling caches. Highly located ceiling caches that do not stand out against the background of interior solutions are relevant and reliable storage facilities.
Important! The worst places to store money from a security point of view are the mattresses of sofas, the home library, toilet cisterns, paintings and mirrors.
These are the most common and well-known locations for cybercriminals and are the first to be inspected.
If you prefer to keep your savings at home, you can create a vault where your money will multiply several times. There are such places of power in every home.
Monetary energy is able to interact with the energy of the surrounding things. That is why money should be kept in specially designated places. Many people have been unable to get rid of poverty for many years, and sometimes the reason lies in the improper storage of money. If you want to increase your income, then your task is to create not only a safe, but also an energetically strong storage facility.
According to feng shui, money is best kept in the southeastern part of the house- in the zone of wealth. However, it is not enough to simply find a monetary zone. It is important to create the most favorable conditions for money.
Keeping money out of the way is not a good idea. As a reliable cache, you can use casket, provided that it is of high quality and expensive. It is not worth keeping money in old boxes, much less wrapping it in paper or newspaper. Such an uncomplicated cache will only repel monetary energy, which means that over time, financial problems will become much greater.
For storing coins, you can use a vase, preferably earthenware or porcelain... Solar energy can enhance the energy of money, so it is best to store the vessel on the windowsill. Try to refill the vase every day to keep your finances growing.
Having decided on the place, it is necessary to put things in order in it. Free him from unnecessary things and do the cleaning so that negative energy does not interfere with the flow of monetary energy.
Rely on your feelings. The place where you are going to keep your money should radiate positive energy, which means that being in this zone, you will feel comfortable. You should not keep money in the hallway, as a large amount of negativity comes through the threshold, which should not intersect with the energy of money. Many people prefer keep money in the kitchen... It is here that household members get together and experience positive emotions from pleasant communication and eating food. From a feng shui point of view, this is the most successful place to store money savings.
If you wish, you can decorate the place with money talismans. You can use animal figurines, a small aquarium with fish, or Chinese coins as decorations. Do not overdo it with decorations, otherwise you risk getting the opposite result.
Despite the variety of money talismans, many of them are not effective enough. If you want to become the owner of the most powerful talisman, then make it better with your own hands. With its help, you can get rid of financial problems and increase your income. We wish you wealth and prosperity,and don't forget to press the buttons and
18.10.2018 08:08
The house can not only protect us from external factors, but also give strength. Such a corner ...
The house is our fortress, because it is within the walls of our home that we feel in complete ...
The economic situation in the country is unstable, we do not know what awaits us tomorrow and how it might affect our savings. Most of the Russian population has already lost about half of all savings due to the fall of the ruble. How can we insure ourselves against circumstances and what strategy should we use in order to accumulate rather than lose? Here many questions immediately arise: Where to store money? Put money in a deposit account or is it better to hide money under the mattress? In what currency is it better to make savings? figured out what to do.
Where is it better to keep your savings: in a deposit account, under a mattress, or start investing?
According to a survey conducted by the National Agency for Financial Research (NAFI) in July 2015, the popularity of bank deposits has grown. Today, about a third of Russians (32%) prefer to keep their savings in banks and only a quarter (25%) chose cash as a form of keeping savings. Let's take a closer look at each of the options:
Storage "under the mattress"
By old habit, it seems to us that this is the most reliable storage method. Our money is under the mattress, we know exactly how much is there and it is always next to us. In fact, today this way of keeping savings is far from the most reliable. Why?
First, this money can easily be stolen from you. No one is safe from intruders who can enter the apartment and deprive you of almost everything.
Secondly, this money is slowly depreciating due to inflation. If you put 50 thousand rubles under the mattress, then in a year there will be exactly the same amount, but life will rise in price and your savings will already have less value. Thus, you not only run the risk of not saving money, but also losing it, not to mention the fact that this money will not bring income.
Thirdly, you yourself pose a danger to the accumulated money, because the temptation to spend it on impulsive purchases and then regret it increases. Therefore, it is better to keep money in a less accessible place, away from yourself.
Bank deposit
It is not in vain that the popularity of this particular way of storing money is growing. In times of crisis, it is one of the most win-win. For those who are not going to receive huge incomes from their savings and are looking for reliability, this is a great option.
What are the advantages of a bank deposit?
After a certain period, you will receive a percentage of the amount entrusted to the bank. Your income will depend on which investment you choose. The resulting interest will be added to the amount and the next time the income will be higher.
You don't run the risk of losing money. Even if the bank goes bankrupt, your money will be returned. Thanks to the system, the state guarantees to pay at least amounts up to 1.4 million rubles. Not to mention the fact that if the bank is robbed, then your savings under the contract must be returned.
In addition, having a deposit in a bank makes it easier to get more favorable lending conditions, which will also help to spend less in the future.
Investing in stocks, bonds and mutual funds
Without a doubt, investing in stocks is a great way to make money, but it is not so easy to do it, and if you are far from financial topics, then it is almost impossible. Despite the fact that you can be sure that the price of the purchased securities will rise, when this happens it is already more difficult to guess.
Bonds, unlike stocks, are attractive with a fixed circulation period in the market and a fixed interest income, which makes it possible to accurately predict the amount of profit from such investments. But here no one is insured against default on the company's debts. And in a crisis, the risk only increases.
If you nevertheless decide to take a risk and invest your savings, you need to keep in mind that:
- you will need knowledge in the field of finance;
- a huge amount of time to follow the market, analyze the situation and react quickly;
- in order for your deposit to be efficiently operated, you will need a fairly large amount - at least 50–100 thousand rubles.
Mutual investment funds (UIF) can make the task easier. In fact, in this case, many small investors pool their money and entrust their placement to the management company. And then you no longer need to follow the markets. The manager will do it for you, who, however, will have to give his honestly earned commission. And everything seems to be fine, except that mutual funds do not guarantee you income: the market grows - savings grow, the market falls - your savings turn into losses.
In what currency is it better to store money?
Recently, according to a survey conducted by NAFI in July 2015, an increasing number of Russians, or rather, 60% choose ruble accounts. A few years ago there were no more than 55% of them. As for cash, 59% of Russians also prefer to keep it in rubles. Savings in foreign currency have 11% and foreign currency accounts are of interest to only 10% of the population. What are the advantages and disadvantages of rubles and currency? And are we doing the right thing by keeping money in rubles?
One of the reasons for the growing interest of Russians in the ruble can be explained by the fact that banks are currently offering fairly high rates for ruble deposits. This is very tempting, but it should be borne in mind that the ruble is subject to higher inflation and its value largely depends on the state of the economy in a country that does not yet promise active prosperity.
If you decide to keep money in foreign currency, the question arises in which one?
The position of the dollar depends on the global economic situation and on the state of affairs in the United States, and this currency is quite strong. The position of the euro, in turn, depends on the situation in Europe. Although nothing can be predicted 100%, according to experts, the dollar is expected to strengthen against other currencies, including the ruble. Almost all large investors prefer to keep most of their savings in dollars. The economic situation in Europe remains unstable so far, which also affects the euro. Nevertheless, according to experts, it is possible that in 2016 the euro will change for the better.
What to do? In case you are going to keep money for a long enough time, the best advice from financial experts is pay attention to multicurrency savings... Store part in dollars, part in rubles, part in euros or other currencies (Swiss francs, British pounds, Japanese yen or yuan). In this case, if one currency loses in value, as a rule, another will rise and you will not lose your savings. But you better not jump from one currency to another. You are unlikely to be able to predict the exchange rate and, most likely, you will simply lose on the exchange.
You can give a lot of advice, but you also need to remember that economic situations are different for everyone and the best way to store savings is different for everyone. It is worth remembering that “investing in yourself” will never lose value. The exchange rate and interest on deposits can change, you can lose money, but education and knowledge will always stay with you!
The famous actor from the famous film recommended that citizens keep in a savings bank, if they have any. But if at the time of the release of this film people had money, which was enough not only for current expenses, but also to put them in a savings bank, now it is more difficult to accumulate money, and even more difficult to decide: where and how best to store savings. We will try to answer this question with the help of advice from financial experts.
The content of the article:
How to store savings
Have you saved up or decided to save money and are thinking in what is the best way to store the accumulated funds? - This is a very interesting question, since not only the preservation of savings depends on it, but also the possibility of increasing them. If you have "extra" money, then it is better to invest it in something or spend it on the necessary goods, since the accumulation of money is always, albeit small, but a risk.First, you need to determine how much you plan to accumulate, the frequency and size of replenishment, as well as the purpose of accumulation. If you save for the long term and do not plan to withdraw the accumulated money soon, experts recommend keeping your money in gold. Gold is a "currency" that is not afraid of fluctuations in exchange rates, and besides, it is the storage of funds in gold that will help you not only not to lose what you have accumulated, but also to increase it somewhat. But this is all provided that you plan to save this money for the long term. If you have a purchase goal for these savings, and you will be saving for several years, then gold is not your option.
If you live in prosperity, you have the amount of money for a "rainy day" and for any emergency unplanned expenses, then it is best to invest your savings in something, thus, they will not only accumulate, but also bring profit. This can be either opening a deposit account in a bank or investing in something: investing in your own business or in someone else's, buying shares or securities, etc. Another option is to buy real estate, which can later be sold or rented out and receive a monthly profit.
And, of course, the most common way to keep your savings is money. The advantage of keeping your savings in cash is that you can spend them at any time, without the need to cash out.
In what currency to keep money
What is the best currency to store money? It is very difficult to say specifically where to store money, since the political and financial situation in the world is so unstable that having named one currency today, tomorrow it may have problems. Of course, you need to choose the currency in which to store money, you need to from the world or national.Before deciding which currency to store money in, you need to look at: the dynamics of the rate of a certain currency, world news and news of the country to which the currency belongs. If everything is stable in the country, fluctuations in the exchange rate are insignificant and there is even a dynamics of an increase in the value of the currency, then choose it.
Rubles, dollars, euros?
Most often, Russians choose one of the following currencies to store their savings: rubles, dollars or euros. Let's take a look at each of these currencies and look for even better options.
Rubles
As a currency for storing savings, rubles is a pretty good option, especially if you are earning income in rubles, since you will not incur wasted interest in currency exchange. The situation in the country is stable, and oil and gas reserves will last for a long time ...
America is a superpower, and its currency, the dollar, is the currency that powers the entire world economy. Despite the economic problems in the United States and the colossal national debt, the dollar does not give up its positions at all, although it is a “soap bubble”. It is best to keep savings in dollars for a short time, and then focus on the situation. Investing in dollars for long-term savings is somewhat dangerous, but still possible.
Euro
Euro is the currency of the European Union, the most unreliable currency for keeping your savings. First of all, the unreliability of the currency is the poor economic situation of some EU member states. You've probably heard about the difficult economic situation in Greece, which has long been in a state of bankruptcy. There were a lot of assumptions and even European politicians expressed an opinion about the exclusion of Greece from the European zone, but it is not released and is kept by means of loans. If Greece nevertheless leaves the EU zone (either on its own, or by excluding it), then this can cause a chain reaction and endanger the existence of the entire eurozone. Not so far from Greece have gone Italy and Spain. The second reason why it is not worth keeping savings in euros is conflicts within the EU itself, between member countries. Therefore, we do not recommend that you keep your savings in euros.
The yuan is the currency of China, where all world production is now concentrated. China is a truly grandiose country, which produces the vast majority of goods supplied to almost all countries of the world, and it is on China that the world economy is de facto tied. A large number of companies have invested and will continue to invest in assembly shops in China. In addition, the United States itself is in debt to China. Based on this, the yuan is a very good currency to store your savings.
What currency is it better to store money in?
Experts advise keeping your savings in several currencies, for example, in rubles and dollars, or in rubles and yuan. Due to the fact that savings will not be concentrated in one currency, you will not be afraid of exchange rate fluctuations.
Many people think about whether to keep money in digital currency or not. For our part, we do not recommend doing this, since if you do not have direct income in digital currency, then you will lose a large percentage of your savings on depositing and withdrawing them.
Where is the best place to keep money
After you have made a decision in what to keep your savings, you need to decide where it is more profitable to keep your money. Today, three options are most often used to store money: an apartment, a bank and a safe deposit box.An apartment is the easiest way to store money, because you know that money is at your fingertips and therefore many are so calmer. But this is the most unsafe way, because if intruders get into your apartment, then there is a high probability that they will be able to find and steal your savings if you do not have special means to store them safely.
In the bank, your money savings will be safe, and at the same time you will be able to increase your savings, but there is still a small fraction of the likelihood that something can happen to the bank where you keep your savings.
A bank safe is something between keeping your savings in an apartment and in a bank. You pay the bank for renting a cell and keep your money in it. The only drawback is the payment for renting a cell, the likelihood that something will happen to the bank's vault is very low.
Where and how to keep money at home
Money storage options: under a mattress, behind a painting, in a sideboard, in a box, etc. - the most incorrect option. It is best to keep money at home in a very secret place or in a safe that cannot be moved and opened. The cost of the safe is not so high, but you will secure your savings, and besides, you can store valuable things and documents in the safe. Pay special attention to the place of installation of the safe and its locks.
Where to store money according to Feng Shui
But, for example, Feng Shui recommends saving money not just like that, but for certain and specific purposes: buying household appliances, furniture, repairs, an apartment, a car, vacation, etc. Feng Shui also advises keeping money not under a mattress, not in a closet and in other places loved by people, but in special red envelopes. In general, it has long been recommended to keep money in red boxes, but in view of their inconvenience, red envelopes are a more practical option.
These envelopes may contain their own hieroglyph, which will help in matters of accumulating funds. For example, if you are saving money to pay off debts (a loan or mortgage), then it is best to use an envelope with the hieroglyph for "justice". If you are saving money for a specific purpose, then for this it is best to put the symbol "wealth" on the envelope. We decided to save money for certain expenses, for example, a trip to the sea, then an envelope with the symbol "prosperity" is suitable for this.
Feng Shui also recommends keeping money in a specific sector - in the southeast or east. As for the storage location, the Feng Shui philosophy recommends choosing either a safe, or a drawer of a table or cabinets that are locked with a lock.
There is never a lot of money. We always find what to spend them on and always look for ways to acquire as many of these coveted tools to improve our lives as possible. Of course, money is not a panacea for many, many life troubles. But when they are, then somehow life is easier and breathes more freely.
But, unfortunately, the remuneration for even the most skilled or hard work is often insufficient to lead a comfortable life. Or, for some reason, the money simply does not stay in our house, but melts before our eyes, leaving it is not clear where and it is not known how. Someone refers to this fact as a given, someone is trying to earn more, someone begins to save hard, and someone is looking for other explanations and ways to increase material wealth.
By the way, the eastern doctrine of feng shui believes that this situation can be explained by the wrong organization of the living space. By equipping your home according to certain rules (according to the philosophy of Feng Shui), you get the opportunity to attract money into the house and ensure that they do not "flow away" from it. Let's find out how to do it.
Zones of influence
According to the teachings of Feng Shui, our entire house can be conditionally divided into zones of influence. Each of these zones is "responsible" for a specific area of life. The tool with which you can determine the location of the zones of influence in the house is called the Bagua Grid. The grid is a regular rectangle divided into nine equal parts. By the way, certain directions of the world correspond to all zones of influence:
- Health Zone - center of the grid;
- Glory Zone - Upper Central Sector (South);
- Career Zone - lower central sector (North);
- Zone of Creativity - right middle sector (West);
- Family Zone - left middle sector (East);
- Zone of Love - upper right corner (Southwest);
- Helper Zone - lower right corner (Northwest);
- Zone of Wisdom - lower left corner (North-East);
- Wealth Zone - Top left corner (South-East).
It is the last zone in the teachings of Feng Shui that is responsible for money. To determine the location of this zone in your house, you need to draw its plan, as well as draw a Bagua grid. Then you determine how your apartment (house) is located in relation to the cardinal points, and overlay the Bagua grid on the plan of the house, aligning the cardinal points on the plan and on the grid.
By the way, with the help of this grid, you can identify the location of the zones of influence according to Feng Shui not only for the entire apartment, but also for each individual room. After you find out where the zone responsible for wealth is located in your house, you can start organizing it.
Wealth Zone
The correct arrangement of this zone will help to attract money to the house. That is, you need to activate the Wealth zone in order for it to start "working" effectively. Each zone of influence in the house corresponds to certain colors and elements. For the zone of Wealth, these are green and purple colors and wood (element). Purple and gold colors also contribute to the activation of the zone. Therefore, green, purple and gold trim and furnishings will help you to activate this zone. As for the elements, wooden furniture, indoor plants, as well as images (paintings, photographs, drawings, figurines) of trees will help here.
The most effective of the elements of the element of wood in Feng Shui is considered to be the usual houseplant, the bastard, which is also called the money tree. So, deciding to get rich, you must certainly get this indoor flower and place it in the Wealth Zone. However, any other indoor plants will also be able to activate this zone, as well as the elements of its auxiliary element - water.
Water in Feng Shui refers to the elements that enhance the influence of the element of wood. This is understandable: if a tree is watered, it will grow better. So any watermarks in the Wealth Zone will not be superfluous. And it can be anything: from an aquarium and indoor fountain with real water, to images of water in drawings and photographs. However, attracting money to your home will help not only the correct design of the Wealth Zone, but also talismans, to which considerable attention is paid in the teachings of Feng Shui and great power is attributed.
Talismans of wealth
Feng Shui masters recommend using special talismans (ritual symbols) that help attract money and increase wealth. It is best to place these talismans in the Wealth Zone. However, even their presence in other areas will help solve your financial problem. The most powerful talismans in the teachings of Feng Shui are an aquarium with fish (gold), a bowl of wealth, a three-legged toad (frog), Hottey.
Goldfish in the aquarium
An aquarium with fish generally harmonizes the entire space of your home, and if you put goldfish in it, then it will begin to "work" as a talisman of wealth. However, there are some nuances here. Firstly, the water in the aquarium should always be clean, because cloudy water has just the opposite effect: money will start leaving the house. Secondly, it is advisable to choose a medium size aquarium, since a small or too large aquarium will interfere with achieving your goals. And, thirdly, it is necessary to observe the numerical and color ratio of the fish in the aquarium. There should be exactly nine of your talismans in the aquarium: eight gold and one black. If you want to keep more fish, then their number should be a multiple of nine.
And if, for some reason, you are not able to have a real aquarium, then limit yourself to its image. This can be a large colorful poster, a panel (embroidered, molded, made of paper or fabric), or even a computer screensaver depicting an aquarium with goldfish. Only in this case, do not forget about the number and color of fish.
Frog with three legs
Another common symbol of abundance. This talisman is usually complemented with another symbol of wealth - coins. Therefore, three-legged mascot frogs usually hold one or three coins in their mouths. Sometimes such talismans are made without coins, but with a slit in the mouth, so that any real coins can be inserted there. The more the frog looks like a real amphibian, the stronger the talisman is considered. However, the best symbol would be a golden metal frog, and ideally a gold or gold plated frog. An important point. To attract money into the house, you need to have this talisman with your back to the front door. The most suitable place for him is the living room, but by no means a bathroom or toilet.
Bowl of wealth
A talisman that you can make yourself. To do this, you need to take a metal vase or a real bowl (round and squat) and fill it with the necessary items:
- Nine Chinese coins strung on a red ribbon and placed in a red sachet or pouch.
- Real money (bills or coins), the amount of which must be 988. There can be various options here. For example, nine rubles (dollars) and eighty-eight kopecks (cents) or exactly 988 rubles (any other currency). This money must also be placed in a red bag.
- A gift of a sprig of an indoor or garden plant from a wealthy home. If you have prosperous relatives or acquaintances, just ask them to give you such a souvenir, but in no case take it without asking. The twig must be dried and also put in a red bag. An alternative to a twig would be a handful of soil (from the garden or from a flower pot).
However, these three bags will not be enough to fill the cup of wealth, and it must be filled to the brim. Therefore, fill all the remaining space in it with precious or semiprecious stones: amethysts, turquoise, amber, malachite, corals, etc. Today, you can easily buy beads made from such stones. But even if you do not have such an opportunity, then just put all the jewelry that you have in your home in a vase. The main thing is to fill the bowl to the brim. And to make the task quite feasible, just take a small container.
This talisman should be in a room where strangers rarely visit. So the best place for him is the bedroom. And you need to put the bowl so that the owner of the room sees it all the time. And it is best to place the talisman in the Wealth area (southeastern part of the bedroom).
Hottey
In another way, this talisman is called the Laughing Buddha. He personifies well-being, prosperity and carelessness. Sometimes Hottei is depicted sitting on a three-legged frog, and this, in turn, increases the strength of the talisman. Such a talisman is also considered one of the most effective symbols in attracting money. It can be placed in any living room (in the Wealth zone) or placed in that part of the apartment where this zone is located according to the general plan of the house.
Keeping money
Now you have used all the opportunities to attract money to your home, and now you need to take care of their storage, because according to the teachings of Feng Shui, you also need to keep money according to certain rules. First, the wallet that stores your money at all times. You need to choose a wallet according to the color of your element. It can be determined by the last digit of the year of birth: zero and one - metal, two and three - water, four and five - wood, six and seven - fire, eight and nine - earth. Colors corresponding to these elements:
- Fire - red, burgundy, orange;
- Water - blue, purple, black;
- Earth - green, brown, sand;
- Metal - gray, white, silver.
It is necessary to store money in your wallet carefully, making sure that the bills do not bend or wrinkle. The wallet itself must be intact (without gaps, torn lining and broken metal parts) and working (with serviceable zippers, buttons and other fasteners). And it would also be nice to put a Feng Shui mirror in your wallet, which will help multiply the bills reflected in it.
If you are in the habit of keeping cash in the house, then use red boxes or boxes for this. You can also make (or purchase) a special banknote box, decorated with golden hieroglyphs "wealth". You can also store money in envelopes, which also have hieroglyphs. By the way, today you can buy ready-made envelopes with hieroglyphs for various purposes of storing money. So, if you collect money to repay a debt, then keep it in a "justice" envelope, and money for a gift - in a "good wishes" envelope. And never keep cash at home "for a rainy day" - according to the teachings of Feng Shui, in this case, such a day will surely come.
Most importantly, be positive about money. Let their lack be not a problem for you, but only an incentive. And you need to collect, spend, give and give money without regret and only with a pure heart! Money easily comes only to the house where it is not the meaning of life, but only one of the ways to improve it.