Poverty is a condition of life that can be said to be very difficult. And if we pay close attention to our lives, we will easily find poor people with economic backgrounds that can be said to be mediocre to destitute.
Quoted from the site media.neliti.com (in the research journal observing the lives of poor families), it is said that there are three groups of families that are called poor, namely
1. Truly poor families
Signs of families in this group are that they do not have economic assets, have jobs in the informal sector and sometimes move from place to place, such as being homeless.
2. Well-off families who are considered poor
For this second group, the signs are that they have economic assets (own house, vehicle, cellphone) but this family has difficulty meeting their basic needs.
3. Poor but well-off families
Those in this third group, their income is quite large but not enough to meet the family's basic needs. The reason is, it turns out that the income is divided again because there are so many dependents.
So, where is your family in?
Next, the life of poor people is like a vicious circle that never ends, and it feels difficult to get out of the abyss of poverty.
Why do they find it difficult to get out of poverty and what is the cause?
The most reasonable reason is because they do not know the habits that need to be done to get out of the abyss of poverty.
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Here, I will review some habits of poor people that make it difficult for them to get out of poverty.
1. The Habit of Liking to Look Rich
Almost ninety percent of people are happy and like their lifestyle to look like rich people. Treating friends here and there, sitting for hours like celebrities in restaurants, even changing vehicles.
Ironically, all of this is done with money from debt.
What is actually sought with this habit, the only reason that fits the answer, wanting to be praised by colleagues, Oh he is a big boss.
This is a trap that makes your life even worse, so it must be stopped immediately because it does not bring any benefits.
2. The habit of not tracking expenses
No matter how much money you make, you still need a financial budget.
A budget is useful so that you can easily monitor and manage expenses so that they are not greater than the income earned.
Well, poor people usually do not have written records of their expenses. As a result, their income is used up without realizing it and even has to go back into debt.
3. The habit of not liking to invest
Many people think that new investments can be started when they have a lot of money.
This is a very wrong idea because you can actually start investing when you still have little money.
The longer you wait to invest, the more you delay getting out of poverty.
Even though you have enough income, if you are not used to investing, your family will fall into the second family group, namely families with sufficient income but are considered poor as stated earlier.
4. The habit of not having a plan for the future
You need to make a future plan followed by action so that the goal can be achieved.
If you don't have a plan to improve your financial situation, then you will never progress and develop.
People who live on the poverty line have absolutely no plans for the future. They work according to their instincts just to find food. Having a plan to build a business, wow, that's not thought of at all.
5. The habit of liking to go into debt
One real example of people who like to go into debt is that they shop using a credit card. This situation makes our financial position always under pressure and in the economic poverty zone.
It should be noted that credit cards have various fees that will be charged to the cardholder, ranging from annual fees to interest charges that must be paid.
If you have already used a credit card, then stop immediately, I suggest you start deciding to pay using cash.
Buying using cash will make spending more controlled and not excessive.
6. Lifestyle Inflation Habits
Increases in income or salary often make many people improve their lifestyle.
A bigger salary will change their spending patterns, such as renting a bigger house, a better car, luxury vacations, and better food.
If spending increases as much as income increases, then you will remain poor forever.
This can happen because you do not have excess funds that can be used to save or invest.
According to Robert T Kiyosaki in his book "rich dad poor dad", achieving financial goals and having the desire to escape the poverty trap starts with the right mindset.
The right mindset will make us act wiser and be able to use money better.
These are some of the habits of poor people that make it difficult for them to escape poverty.
Avoid and stop them if you have habits like those discussed above.
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