I decided to interview one very interesting person. .. This is my good friend, whom I met on the Internet. .
His name is Konstantin. .. He is an excellent specialist in finance and has created a very useful blog for his specialization - http: //fingeniy.com
Kostya long ago stopped working for "Uncle Petya" and completely switched to his bread( which I wish everyone).
How did he manage it and what motivates Constantine to move on - read below and take note!
Let's go. .. 🙂
Interview with the author of the blog Financial genius - Konstantin White!
1. So in order. . Kostya, please, write down your daily routine( how much do you get up, what do you do)?
Hello, Julia! Thanks for the questions, I will be as honest as possible and I hope that my answers will be interesting and maybe even useful to readers of your wonderful site Diary of Success!
So, in order.
My daily routine may be different, depending on the circumstances. Since I am not bound by any obligations with the same employers, I myself determine what I will do during the day. I will describe my average day.
I get up early, usually at 6-7 hours. Since all my field of activity is now in the vastness of the World Wide Web - I turn on the computer and see what's important for me over the night. It takes about half an hour. Then right now, in the spring, I go out to the stadium outside the house, do exercises. It happens about 3-4 months a year: after the winter and before the heat comes to keep yourself in shape. At this, too, somewhere half an hour.
I return home, having breakfast. Further on the circumstances: I carry out what I planned for this day. I work at the computer. Since in most cases it is not connected by a time frame, I can be distracted if necessary, allocate time for rest or hobbies. I can work the first half of the day, and the second one to do personal things or vice versa. I can work all day or all day not work, but do personal things. Moreover, it does not depend on whether the working day of the week or the day off: I myself set the weekend, when they are needed and, conversely, I can work without days off, when there is no need for them. On average, working hours take me 4-6 hours a day. At the same time, I try to finish all my business by 6:00 pm, later I work in exceptional cases. In the evening I spend time with my second half. Although often we spend it together and during the day, but in the evening - it is necessary. We have supper, before going to bed, a walk through the area is necessary - to breathe in fresh air. Usually - for about an hour approximately. In the evening before going to bed, we watch a film of some kind, most often horror film( yes, that's our tastes! 🙂
2. How long have you been working for yourself? How did it come about? Why did you trade the calm "aquarium of financial plankton"?
Already somewhere,then about 4. Since high school I dreamed of working in a bank, so I went to study for a financier and right after graduation my dream came true - just 2 weeks after receiving the diploma I was employed for the work of my dream. And in those days,it was 2001, work in the bank was really considered superper-mega-prestigious, and it was incredibly difficult to get on it just like that: for 3 years he worked in one bank, then lured to another bank, went on a promotion, so to speak, so to speak, soon became the head of the branch in his city.it's difficult - absolutely different responsibility, other goals and tasks. But it was interesting to me, I really was rooting for my department and was ready to tolerate any inconvenience for the sake of good results. But over time, the situation in the banking sector began to change not for the better.
First, the banks began to move from partnerships with customers to "vtyuhivatelno-obdiralovskim."Of course, they wanted to do all this "dirty work" with the help of the employees of the departments.
Secondly, and the attitude to the staff has changed to "do not want - no one is holding, there are the same as you are standing", the method of carrots has been completely eliminated, only the method of the whip has remained. Work gradually turned into slavery. When I realized that the situation is getting worse all the more, and the way back is no longer possible, I decided that I simply can not do this work, not only physically, but also morally. Most of all, the results that my department has achieved in 5 years of work, including thanks to me, were holding me back. It was a pity to throw it all, but it was impossible to continue working like this. So I left "work for my uncle"!
I did not come to work immediately. At first, just a few months resting, correcting health, because.for the last couple of years of work of nerves a lot has been spent. I lived on passive income, because all this time I formed my own capital, which was constantly increasing, and the income that it brought was also increasing. At that time, he could already provide me and the family with a normal life( we are not demanding)), and allowed us to further increase the capital.
When the forces were restored, nothing to do was just boring, and I began to try myself in various ways of making money on the Internet.
I started with working on the copywriting platform: first, just for the sake of interest, because I already loved writing a lot on various sites and forums, so I thought, why not do the same, but for the money? At first the incomes were small, but in just 3-4 months they became sufficient for living; in six months they reached the level of my bank salary of the head of the department, and a year later they exceeded it. Moreover, such work, in comparison with the banking, I almost did not strain, and in many ways was even interesting.
Well, let's say, selecting materials for articles, I constantly learned something new. Soon after work on orders, I moved on to selling articles through the store( this allowed me to write the material at any convenient time, and not "catch" orders), and from work through the exchange I went directly to work with regular customers. The price of my services has also grown steadily, now I worked less, and earned more. Gradually, individual customers began to involve me in more global work on the development of their projects, and then I myself created my own site. The financial genius , work on which brings me exceptional pleasure, because it's already my own).
3. Your job is this hobby or the heavy need to somehow make a living?
Rather, this is an interesting pastime with moral and financial benefits. The main part of my earnings is made up of passive income, I believe that in the current conditions this is the right landmark.
4. Was it at least once in your life when you completely dropped your hands? You just sat and did nothing( did not want to do), did not understand why you live and what is the meaning of your existence? If so, how did you get out of this condition?
Well, I think that there are such moments for everyone, and I'm not an exception here. Although the second part of the phrase "did not understand why you live, what is the meaning of existence" can not be attributed to myself. And "completely dropped their hands" - it was and happens with some setbacks, and they are an indispensable part of any life path. The greater the failure, the more hands probably fall, and this, I think, is quite natural. It's just that this process can not be run much. At me this condition passed by itself in due course. Just because nothing to do - it's boring and uninteresting.
5. How important is the support of loved ones in moving forward? Or can you rely only on yourself, on your intuition and on what lies the soul?
I am such a person that I will do what I consider necessary, even if the whole world does not support me. But it is worth noting that I never felt any special "non-support" from my relatives. In small things - happened, but in some global plan - no.
6. Who in your family controls money: are you or your spouse? Do you think that saving will make you richer?
We have a separate type of family budget: the wife has her own accounts, I have her own. All-family expenses are paid by someone who is more comfortable at the moment. We agree on major purchases, make a decision together. Who pays them - also according to circumstances.
For example, the largest( car, garage, repair. .) - I paid. For personal needs, everyone spends their money, but none of us suffer from extravagance. We make presents to each other. And this type of family budget is ideal for us, because thanks to him in our family there are absolutely no disagreements, and even more so, scandals on monetary issues. But looking at many acquaintances, I see that this is happening almost in every family.
About saving.
I always remind you that the synonym for "economy" is "thrift," and not "greed," as many mistakenly believe. Is frugality necessary? Of course, yes! It is always good to take care of anything, to the family or personal budget, too. But I do not like this category of "wealth".Because it is a continuous uncertainty. What is wealth? How much money( assets, property. ..) do you need to consider yourself rich? Everyone has their own indicators, and they always change: reached one - they wanted more. Therefore, for me, it is not wealth that is important, but financial independence - the possibility not to depend on money. This requires passive income that would have come to you, regardless of the effort( labor, time).And for passive income, capital is needed. And to create this capital helps, among other things, the same thrift, that is, saving. That is, it accelerates the path to financial independence, and the opposite process - extravagance - on the contrary, slows it down, or makes it generally impossible.
7. Kostya, what kind of person motivates you to go further? Who are you excited about? Maybe it's someone from celebrities?🙂
About celebrities - well, I do not even know. Hardly. I draw good examples for imitation in certain areas not among celebrities, but among my acquaintances. I am always motivated and inspired by people who, in my opinion, outnumber me in some way. Those people that are next to me, the most common. And I try to learn from them something for myself. And, it's not someone, but different people: someone I like one quality, someone - another. .. Here you have I see the qualities that can be equaled!🙂
And that's what motivates me, first of all, my personal goals.
8. Kostya, in your opinion - why do most people live as "vegetables"?For example, their daily routine is this: wake up, eat-work-home-eat-TV-sleep! How to break this chain?
A difficult question. Answering it, you can write a whole scientific work. I'll try it briefly. ..
First, because many of them are convinced that this is the right life. That you can earn money only after being employed. Well, at work so "exhausted", that later it is necessary to rest at the TV.
Secondly, because another part of such people somewhere in the depths of their heart wants to change this, but is afraid, because here - "stability", and there - "step into the unknown."They are simply passive by temperament, they are not ready even for reasonable risk, and it is very difficult to fix this.
How to break? In different cases in different ways.
Probably you need, first of all, want to make this gap. Without a desire, then clearly nothing will work. And when there is a desire - it is necessary to look for opportunities. To involve for this purpose all available factors: time, work, the capital, skills and abilities. .. At whom that is more - in that side to do an emphasis.
9. In your opinion, what qualities do you need a person to achieve financial independence in life, success?
In my opinion, this requires a set of versatile qualities:
- Active life position( self-confidence, positive thinking, attitude to move forward);
- Competent management of personal finances( planning, thrift, diversification of ways of earning, focus on creating sources of passive income, reasonable risks);
- Sociability( leadership qualities, enthusiasm, ability to find an approach to people, the ability to sell( anything, including myself));
- High level of self-discipline;
- High moral qualities: honesty, decency;
- And, of course, a flexible mind, developed analytical thinking, intelligence.
All this in the aggregate will certainly give a positive effect, and the less of the listed qualities is present in a person, the more slow his way to success. If you do not have any skills at once - it's not scary, you can and need to develop them, there would be a desire, here without it - just in any way.
10. Are you a lazy person? How do you make yourself do something or maybe you get pleasure from doing nothing?🙂
I think that to some extent - yes, lazy. But pleasure from doing nothing, in my opinion, can not be received at all by anyone, and in the same is my "crown" way to force myself to do something. I will explain.
The most important thing is to understand that doing nothing is when a person really does not do anything. That is, social networks, TV, the Internet, games, useless chattering - it's not doing nothing, it's useless pursuits, devourers of time. And when a person is lazy - he, most likely, is engaged in these useless things.
So, I suggest, when you need to overcome laziness, do nothing at all. Absolutely. That is, do not go to the "devourer of time", but just sit down or get better( just go to bed - go to sleep))), and do nothing at all. I assure you, you will get tired of this faster than 10 minutes. You just want to do something. And laziness will be defeated, you can start the necessary business, the main thing is exactly what you need, useful. That's the way I use it when necessary, but this need does not come up so often).
11. What motivating and developing books do you read? Write the last read( just honestly!)
Now I can shock you, but I read books very rarely, especially, motivating. I'm motivated not by books, but by goals, and I myself, whoever I want, motivate!🙂
I'm not saying that you do not need to read books, on the contrary, read nazdorovenie, it's just not mine. How much I am developed and motivated without books - draw conclusions by yourself. .. It often happens that readers of my blog, for example, say that what I write repeats the opinion of a certain well-known author of literature on financial literacy, sometimes even strongly advised to read. I read some of these books, but I found nothing particularly new for myself. One day, I even came to the bookstore specifically, went to the shelves with the books of Kiyosaki, Sviyash, Shefer, Savenka, etc.and for a long time they leafed through to find something new for themselves. And I was convinced that what is written there, I already know, I came to this due to my own experience and own understanding of self-development. I do not repeat someone's opinion, but I write my own. Probably, it's good when they coincide with famous authors. Positive for the author, in this case, it seems to me, there must be an original, understandable and captivating style of presentation. After all, they write mostly about the same thing, but they give it differently. In this respect Kiyosaki stands out for me - I read a number of his books and enjoyed it, not so much from the content( I knew that about it), but from the manner of presenting information, in this he is certainly a good man, a good example for imitation.
I like to read more about what I do not know. Here, in the exchange trade read a number of books, from there extracted a lot of useful information.
12. Do you look like a zombie, that is, a TV?If so, how much time per day? Do you think this is a waste of your time?
Yes, I look, but not often and just before bed. More often I watch movies downloaded from the Internet, if the TV programs, then high-quality, for example, music, like "X-factor", "Voice of the country."News, as a rule, was watched once a week, final, but in the light of recent events even such an apolitical person like me can not stay away, I look more often, I need to, I think, be aware of what is happening, however, news information is neededalso it is good to filter. By time, probably 1-2 hours a day late at night, sometimes a little more.
Do I consider this a waste of time? No, since this time is taken away from me on vacation or obtaining the necessary information. To zazomirovat me, probably, it is difficult, here no TV can cope. And I do not have tele-dependence, if I take away the TV from me, I will react to it calmly. I'm going to experience great discomfort without a computer.
13. Do you keep a diary of your important affairs? Or can you boast of your phenomenal memory? Or maybe it's something like this and not?))
Well, probably, my memory is good enough, but the most important is usually put electronic reminders.
For example, it is convenient to do in standard Microsoft Outlook, or in a mobile phone. When I worked in the bank, I had 10-20 reminders for every day in Outluck, so as not to forget anything important, now there are just fewer cases, and it is not so difficult to remember them.
14. What do you never feel sorry for money for?
And I do not feel sorry for them in a reasonable and adequate amount. It is generally, in my opinion, wrong - to spare money. Money is a tool, it can not be pitied, it needs to be used, but rationally, carefully, so that it lasts a long time, has worked all the time.
15. What is your best investment in life?
A difficult question. If to understand literally, the investment is an acquisition of a certain asset, which in the future will bring profit. This was a lot, and I can not distinguish what is better, what is worse, because in general it is an investment portfolio, it works in a complex.
If you take it in a figurative way, then the best investment can be considered an "investment" in musical education( music school), the acquisition of musical instruments and equipment - this allows me to continue to study music as a hobby, brings pleasure and even certain achievements.
16. How do you think me, a simple girl who at the moment still works for "uncle" - to earn her own apartment? Well, let's say, take the average salary in 4000 UAH + I live with my parents! What are the most advantageous options?
It is necessary, first, to work on expanding sources of income: to look for new opportunities for earning, without leaving the old ones for the time being: the same work on the Internet, freelancing in their spare time.
Secondly, it is necessary to create savings, save them on deposits in reliable banks, receive a small additional income, constantly replenish, accumulate.
When savings will be enough to pay 20-30% of the cost of the desired apartment, and income - to repay a mortgage - you can consider buying an apartment on credit.
In addition, it is good to catch the moments of falling prices for real estate - these are peaks of crisis periods, that's how, for example, now.
17. Which training, course or seminar was the last time? Do you think this is a waste of money?
When I worked in a bank, I regularly attended such trainings and seminars for free - this was part of the mandatory program for the development of employees, especially - management personnel. Moreover, I even carried them myself!)) Already with their employees.
What can I say. .. It all depends, first, on the skill of the coach. Secondly( and this is important!) - from the desire of the participant himself to perceive and then use in practice the information he has received. This requires some effort, so without such a desire, no matter how much a person has paid for the training, it will go for him almost in vain. Well, he will remember a lot of useful information, then, if there is no constant practical application, the knowledge will gradually "fade away" and nothing will remain.
Personally, I was always interested in such trainings, but I did not invest money in it. On the subject - planning of the working day, correct statement of tasks, work with clients, work with the personnel, skill of sales, public appearances and the like.
18. What do you think is more important for girls today: a guy with a thick purse or a simple ordinary guy with an open mind and an understanding eye?
Oh, interesting question. I think that everything depends on the specific girls. There are also such, and such, what vital priorities were formed at them in a head - that for them and is more important. Among my circle of friends, girls are paying more attention, probably, to the human, not to the financial qualities of men. But the complete absence of the latter - probably, is also not an option, because a man is historically an earner in the family, and he should be able to perform this function against the background of everything else. These girls who are primarily focused on the purse, also met, I personally always interested in their podkalyvat, for good, of course.
19. Did you manage to realize at least one of your dreams? Share!
Depends on the "level" of the dream. A certain level - it was possible, even among those that once seemed something unattainable. As I wrote, when I wanted to build a career as a banker, I built it. There are many achievements in various spheres of hobbies, hobbies.
For example, I once dreamed of creating, recording my songs in a high-quality manner, performing on stage, so that my work was popular with people - this, to some extent, was realized. There are many not as significant achievements as may seem from the side, but important for me.
At the same time, there are more global dreams that have not yet been implemented. Will I be able to translate them into reality? I can not think and state, not everything depends on me. For my part, I'm doing everything possible to implement them, I would like to implement all that was planned.
20. Share your personal formula for success!
In the institute, where I studied the first 4 years, was the motto "Success is to have time! It is the first time! ".I think there is a lot of important and useful stuff in these words, so I try to use this motto in practice.
And I can derive a mathematical formula for success. Success in me is equal to the product of all the necessary factors( resources): labor * time * capital * assets * abilities * information * technology. The less a person has any one factor, the more he should use others to achieve success. And the proximity of at least one of these factors to zero brings the overall result closer to zero. This is my formula for success, it seems to me quite logical. By the way, one day he was a guest of a radio program with this name, though in a musical direction, and not in financial terms.
21. And finally. .. Kostya - your wishes to my readers!🙂
I wish them, by reading your articles, to take an example from your dedication, working capacity, positive thinking. It seems to me that these qualities are well traced in your publications, by reading them you can even get a certain charge of energy and good mood.
And personally from me to start more a recommendation: learn to manage your finances competently, increase your level of financial literacy, it will never be superfluous, but will bring enough benefits in life. And my financial wish: happiness personal, cash and non-cash!🙂
This is the "little" interview I got. .. Thank you Kostya! We take your advice on weapons and will act!
I recommend to read in detail the video from Konstantin Bely,
where he tells in detail about his site,
and also gives advice on effective management of personal finances!
If someone has any questions to Kostya - do not hesitate and ask them in the comments under the interview! Your question will not be left without attention!
And yet. .. Dear readers, recently Kostya also interviewed me, if someone is interested in learning more about me( about the author of the Diary of Success) - read my interview here!