Habits to help you earn more

21.06.2019 Author: Psychologist Pavel Khoroshutin

“I’m tired of working for peanuts and being afraid of getting fired. And if I don’t do something that’s how my whole life will go, and I will never get out of Usman. But what are my options? I live in a small town with small salaries. They say I just need to move to the city, but who’s waiting for me there? All the good places are already occupied by their people, I won’t break through for sure. In order to move to Moscow you need money – at least for a little while. I will not be able to amass the required amount; I can barely make it from one salary to the next. I’m just desperate, fed up with poverty and empty pockets.”

– Nikolai, 25 years old

Many people want to be comfortably off, with enough money not only for bread and one pair of shoes, but also for small pleasures, household appliances, travel, and hobbies … to buy your own home. Unfortunately, in many cities and especially towns the salaries are low, and even working people have to limit themselves. Is it possible to do something in such a difficult situation? We can’t influence the economy in the country, can we?

Naturally, the income level depends not only on us but we can influence it too. Many people will be able to earn more if they change their behavior and attitude to life. And, yes, it is possible even in towns. Let’s look together at how our attitudes and habits prevent us from becoming rich and successful, and how the poor and the rich people differ apart from the amount of money.


What do all rich people have in common?

rich people

No, we’re not talking about having rich parents. Many rich people grew up in poor or not very well-off families, but that did not prevent them from making pile and succeeding. Let’s consider the biographies of completely different people: Michael Jordan, Madonna, Oprah Winfrey, Thomas Edison, Henry Ford, Mark Zuckerberg, Joan Rowling and others. They are all linked by the difficult path to success and wealth.

  • Madonna had to look for food in garbage cans and work at the lowest-paid jobs.
  • Michael Jordan wasn’t accepted in the school basketball team because of his short stature.
  • People teased Henry Ford about being “obsessed with Begley Street” and laughed at his eccentricities.
  • Oprah Winfrey spent her childhood in a deprived area and was regularly harassed.
  • The first invention of Thomas Edison failed miserably, and he was repeatedly fired with scandals.
  • The first created website brought accusations of hacking and invasion of privacy to Mark Zuckerberg.
  • Coco Chanel’s parents gave her up to be brought up in a monastery.
  • J.K. Rowling was poor, depressed, and even wanted to kill herself.

The list could be extended indefinitely. But all these people have one thing in common — despite the downfalls, these people believed in their success and found the strength to move on. They saw their goal, and they sought it with all their might.

The qualities of rich people

Черты характера и свойства личности, которые помогают добиваться успеха, можно обозначить одним словом — предприимчивость. Предприимчивый человек не обязательно должен становиться предпринимателем и открывать свой бизнес, но предприимчивость — основа успеха в любом деле.  Итак, что же входит в это понятие?

  1. Performance and initiativity. Enterprising people do not wait for the money to fall on them from the sky. They take the initiative and try a lot of options to achieve their goal. Did the first invention fail? Then you need to come up with something else.
  2. Self-confidence. Enterprising people believe in themselves and their strength, they are focused on the development and know that they can achieve their goals. Does your stature is too low for basketball? This disadvantage can be compensated by the speed and height of the jumps.
  3. Accountability. Enterprising people find the strength to go further, even if the odds are stacked against them. They know they are responsible for their own actions. Have you had a difficult childhood? Whatever it was, it’s gone. How we proceed largely depends on us.

Of course, we will not claim that all confident and active people become celebrities. It’s not that. Few people make it on Forbes lists. But could Henry Ford have created his own corporation if he gave up after the first setback? Would Michael Jordan have become a basketball star if he decided that short stature would not allow him to make his dream come true?

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Purposefulness, focus on development and self-efficacy do not serve as a guarantor of making a fortune but increase the chances of a happy and secure life. So, what prevents us from earning more?

Mindset and habits that prevent us from earning more

Mindset and habits that prevent us from earning

Each situation is unique, so you can find yourself attuned to all described attitudes and habits or to only one of them.

1. “I’ve been told since I was a child that it’s unseemly to be rich”

In our childhood we learn many habits and attitudes that limit us and prevent us from striving for a high level of income. For instance:

  • We were never well-off, there is no point starting to try now;
  • You can’t make a lot of money in a honest way;
  • All the rich people are thieves, grabbers and profiteers;
  • Money corrupts people, all the rich are greedy, petty and heartless;
  • Money brings only misfortune;
  • If you chose a job, then work, only irresponsible people change jobs;
  • You can’t live for pleasure, you have to work hard and live modestly;
  • Ordinary people don’t deserve a lot of money.

Chances are you have similar attitudes and beliefs that prevent you from looking at the situation differently and seeing areas for growth.

2. “I don’t have time to think about how to earn more”

When a person barely makes it from one salary to the next and is forced to constantly save money, he/she focuses on problems that need to be urgently solved. How can one become a successful entrepreneur if they have nothing to pay the bills and buy new shoes for a child? When the problem of where to make money right now is the most urgent, the rest of the issues, including “how to increase income,” are brushed aside – there simply aren’t any resources left to solve them. Therefore, it is difficult for poor people to get out of poverty – it’s hard to think about the future and plan, when they’re busier with other, more pressing tasks.

“In the nineties, people lived very poorly, ate frozen potatoes for dinner, and it was always “a little cool” in the room so that fingers froze. In the end, when I started working, I got three jobs to help my family, feed the younger ones and buy coal. There was no time to think about how to become rich, I grasped at any earnings, even the most minimal because I knew that if I did not work, I would leave the whole family hungry. It’s good that I was young and healthy; I won’t be able to work in such a rhythm now.”

– Anton, 38 years old

3. “I don’t know how to manage money properly”

Lack of financial literacy, inability to save money, unsuccessful investments, or, in other words, the inability to manage the money earned. The logic is that if you earned more than planned, you need to spend everything right away to celebrate the success with friends. Some buy expensive phones to one up on colleagues. If a person gets into loans, all earnings are spent on repayment of interest. Some hide savings into the sock instead of investing them in assets.

Many people do not have financial literacy skills and do not know how to manage their capital, plan and control expenses and incomes.

4. “I have to get everything at once, like in a lottery”

Some people are convinced that they should get everything at once. They do not think about how to make money successfully, they want everything right here and now, and preferably without effort. Any delay is terrible and unacceptable, and if it does not work out at once, other people are to blame. They are the reason you have not earned enough, they oppress you, hinder your efforts and dampen your spirits. Therefore, it is better to sit at home and wait for a big salary or winning the lottery, than to have cash-for-trash, and start a career as an intern and develop yourself.

Note. It’s interesting that a large amount of money does not automatically make a person rich and in general brings few people happiness. Many lottery winners spend everything they won very quickly and return to a poor life. [2] Apparently, people who have received an accidental win, keep the thinking like they’re still poor: carelessly treat money, do not invest in their future, spend on momentary pleasures and booze, and celebrate good luck. As a result, they can spend 315 million dollars over 4 years and be left with nothing again. So a large sum of money can bring more harm and grief than benefit and happiness without changing behavior and mindset.

On the contrary, a person who knows how to become successful and rich and knows how to earn more can correctly manage the money won and feels happier. [3, 4]

5. “I don’t know how to plan and I can’t achieve my goals”

Lack of planning skills and weak willpower can prevent anyone from being successful. For example, our lyrical hero decided to learn the programming language; for this he needed to pass 1 lesson every day. But after 2-3 weeks he gave up classes. Our hero does not know how to set clear goals and achieve them, how to increase his willpower and set the right priorities.

6. “I’ll never be like other well-to-do people anyway”

The habit of comparing themselves to others makes people unhappy. Many people forget that the perception of money is a very relative thing. A person can have a good level of income, personal car and an apartment, but at the same time consider himself poor, because Bill Gates, for example, is richer. As a result, a frustration (I want, but can not get) and envy (he does not deserve money, and I do, but don’t get anything) appear. All of it inhibits a person, makes them focus on comparisons and disappointments, and limits their development.

7. “I’ve tried it before, and I haven’t succeeded”

People often give up doing something after the first attempt. In many ways, this behavior is caused by settling on a predetermined outcome, which tells us that if there is talent, then no effort would be needed — everything would be obtained easily. If there is no talent, for example, no business acumen, then nothing will work no matter what you do. As a result, people give up, saying that it could never work anyway, “it’s not my cup of tea.”

Knowing the factors that hinder your earning can, in itself, push you to change your life. Even now you can understand what habits prevent you from earning more and start changing them, for example, with 7Spsy behavior modification technique. In the meantime, let’s fix the result and formulate rules that will help to learn how to make money.

7 ways to increase your income

7 ways to increase your income

“I gave some thought to the kind of life my mother had. She lived though three political regimes in our country: post-war, perestroika and modern Russia. However, no financial crisis knocked her down. Not even the 90s. She always adjusted to the new conditions and believed in her strength. She changed jobs, specialization, and even country. I think my mother is an example of how an ordinary woman can become rich and successful. Instead of complaining, you need to go and learn something new, change your lifestyle and mindset. Even after my mother retired, she learned new internet specialty and continues to work! My mother is an eternal example to me that it is never too late to change and learn.”

– Galina, 48 years old

1. Take control of your life

Your life could have been difficult up to this point, your childhood could have been far from ideal, you probably were not supported by parents and loved ones. It could have happened. But now you are an adult and you can control your own life. You can say “stop” to bad habits, you can start to develop and change for the better, you can become who you want. You can do it. Not overnight, but it’s possible. Now you decide how you live.

2. Learn to see the possibilities

It is especially important if you live from paycheck to paycheck, and your head is only busy with bringing home the bacon. Allow yourself to think about the future, for example, devote an hour a week to planning what you can change in your life and how to do that, what you should learn, where and how you can learn to earn more at less time, and so forth. Of course, it is important not only to plan, but also to follow it with actions.

3. Improve financial literacy, learn how to manage finances

The basics are not enough to be considered literate in financial matters; you need to be able to use this knowledge and reasonable approach to spending in practice. [5] Remember the lottery story? It’s the same here. You can earn a lot, but if you do not know how to use money, you will constantly be in short supply. Therefore, pay special attention to the formation of correct financial habits. The country’s economy does not matter here. People with high financial efficiency strive to reduce debts and increase investments in the future in any country: [6]

  • take financial difficulties as challenges that allow you to learn something and avoid bad financial decisions in the future. For example, if you took a loan that is difficult to repay, it will be useful to understand your experience and no longer get involved in loans;
  • Manage your money: make up a budget, distribute income and control expenses;
  • learn to say no to bad ideas and unnecessary spending, do not lend money just because it’s hard for you to refuse someone something. There can be no shame or guilt here — you have the right to manage your own money, and such decisions do not make you bad or unworthy;
  • Form a “safety airbag” — an untouchable financial stock for a rainy day;
  • Choose solutions that will allow you to invest in the future — property, shares, assets, etc.

4. Invest in your development and learning

It does not matter whether you aspire to become a celebrity in your field or want normal career growth. Take the time to grow as a professional, become a valued employee or learn a new remote profession. In any case, your education is an asset that will help you make money.

5. Appreciate yourself and your work

Many people don’t value themselves and feel that they don’t have the right to get much out of their work. “I didn’t do anything special, everyone can do it, I can do it for free.” It seems to us that we have received more than we gave, that is, we’ve made an uneven exchange of resources. As a result, there is a desire to devalue the work performed and shame, which prevents both women and men from becoming rich and successful. It is worth getting rid of these feelings. Analyze how much effort and money you have invested in your professional growth, realize how good you are, what real help you provide by providing your services — and take an adequate fee for your work.

6. Believe in limitless possibilities and don’t be afraid of failure

Any failure is just a stepping stone to your success, a way to learn and avoid similar mistakes in the future.

There may be many such steps, but it is you who determine the limits of your abilities, not your failures. Believe that you are able to change and develop your skills, and soon you will see that there is no limit to what you can do. [7]

7. Form the habits of enterprising people

Individual approach is the basis for the development of enterprising. No one but you knows why you can’t increase your income, which prevents you from becoming more successful and realizing your potential. Therefore, you need to start by analyzing your own behavior and replacing unproductive habits with effective ones. It could be the ability to continue after failure, and the willingness to take risks and the ability to cope with your fear, or something personal, which only you know about. Take the time to discover these habits and replace them with new ones.

Set a goal to become an enterprising, proactive person, learn to set goals and control their achievement, overcome obstacles, get up after falls, move forward, take risks and believe in yourself and your strength.

All of it will help you change and become more enterprising and successful, but enterprising and financial efficiency rarely develop rapidly. In fact, you need to retrain yourself, so better be prepared for a long haul. Like with any investment, the return on retraining is small in the beginning, but after a while it begins to bring substantial income and pleasure.

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To speed up the process and make it more efficient, contact our professionals who know how to develop new habits and how to simplify the learning process. 7Spsy behavior modification technique, which is based on the scientific works of I.P. Pavlov, B.F.Skinner, A.A. Ukhtomskiy, and others is one of the most effective methods of developing financial efficiency and enterprising. The course will help you to form the right attitude to finances, and getting rid of restrictive mindset. You will acquire new habits — the habits of a successful person, which will help in achieving goals and lead to an increased income.

The program is designed for 2-6 weeks, the classes are completely confidential and take place remotely. You learn at a convenient time for you, communicating with a psychologist in an online chat, by phone or e-mail.

Forming a new productive behavior is an asset that will not depreciate under the influence of inflation, will not “burn”, and will always generate value and bring you benefit.


  1. Bednost meshaet razumno planirovat svoi dokhody(https://en.wikipedia.org/wiki/Eldar_Shafir).
  2. Istorii pobeditelei loterei, kotorye vse potratili i snova stali bednymi (http://worldation.com/stories/lottery-winners-blew-millions/).
  3. Srednie vyigryshi prinosiat bolshe udovletvoreniia liudiam(https://www.sciencedirect.com/science/article/abs/pii/S0167629606000853).
  4. Vyigrysh v lotereiu ne ukhudshaet nastroenie liudei s vysokim urovnem finansovoi gramotnosti (https://pdfs.semanticscholar.org/1118/ef6b290e07af2e7a3fa0d869dc032c61cb73.pdf).
  5. Znanie osnov finansovoi gramotnosti ne povyshaet finansovuiu effektivnost, no gotovit liudei k ispolzovaniiu etogo navyka(http://oro.open.ac.uk/48662/).
  6. Finansovo effektivnye liudi imeiut bolshe investitsii i menshe dolgov(https://www.sciencedirect.com/science/article/pii/S016748701500094X).
  7. Kerol Duek, «Gibkoe soznanie: novyi vzgliad na psikhologiiu razvitiia vzroslykh i detei».