I AM SUCCESSFUL. TOPIC #2. MUTUAL AID AND ACCUMULATION FUND

Hello Friend!

A very exciting thing awaits you in your life today! And this is no exaggeration. By doing as will now be described in this article, you will find a source for accumulating money. Are you interested in saving money for your dream purchases? So - let's read!

 Surely you know how banks work? They receive interest from our money, which we give for credit. And what if you didn't have to pay anyone any interest? And what if it was possible to return these interests to oneself? Can it be so? - So. As? - Read on!

Organizational points

 Perhaps this is the first serious business in your life. Treat it with the utmost seriousness, and you will manage to create a group of like-minded people with whom you can help each other save money and make expensive purchases in turn.

 To business! We gather all the household members for a home meeting, announce the opening of a mini-cooperative of depositors and recruit team members with whom we will build a successful business. We definitely take mom, dad, grandmother (they are depositors with money!), brothers, sisters, etc. to the team.

 We make contributions

 Every month, each member of the cooperative (we will abbreviate it as Coop) makes a contribution of, say, 50 yen. Regarding the establishment of the amount of the monthly contribution, a vote is held at the meeting of the Coop, this amount should suit everyone.

 For example, you, mom, dad, grandma, and sister made the first payment of 50 yen this month. everyone, There are 5 payments of 50 yen at the cash register, which makes 250 yen. together. A month passes (you have to wait a bit for the fun to begin), and you all make contributions of 50 yen each again. each one It's 250 yen again. Now in the cash register - 250+250=500 yen.

 We will use the money

 From the second month, you can start using the money from your mutual aid fund. For example, if you decide to buy a cool computer disk with games, you need about 50 yen for it. You take these 50 yen from the cash register, warning all the Coop about your actions. 500-50=450 yen remains in the cash register.

 We return the funds

 In the next month, you have to return these funds to the cash register, but already with 10 percent. However, you put these interests on your own account and do not divide them among your family members. Also, don't forget the monthly fee of ¥50. So you need to return 50 and put 50 back.

 So you currently have ¥50 in your account. (for the first month) + 50 yen (for the second month, the ones you returned) + 5 yen (interest) + 50 yen (the contribution for the third month). Only 155 yen. All Coop also pay 50 yen each. monthly contribution. Now at the cash register: yours is 155 yen, theirs is 150*4 (600 yen). Together, this is 155+600=755.

 Who is first?

 As you understood, the queue to receive money starts with you, as the founder of the fund, then all depositors get the right to use the money as they arrive at your organization. The maximum amount of money issued is set at the general meeting of the Coop. It can increase or decrease, depending on wishes and voting results.

 Coop can withdraw all funds in one month, as many as they are enough for, then return 10% to each account (therefore, it is necessary to keep a log of contributions). For the next month, you can use the entire amount with all the interest, and it does not matter who and how much money was withdrawn and returned with interest.

 How to increase the amount of money in the cash register

 1. Do not forget to make monthly contributions - this way your family capital will grow.

2. If possible, increase the amount of the monthly contribution.

3. Use cash register money more often (for any of your needs, even the smallest, for toothpaste, etc.), so more money will come with interest to the cash register, and the total amount will grow.

4. Remember! You can't take an amount that you won't pay back in 1-2 months with interest to your account! Did not return the full amount within 1 month - penalty: an additional 10 percent on the outstanding amount. It also increases the size of the fund. Regarding credit terms, all Coop vote at general meetings of depositors.

 Where should I get money for contributions?

 · You probably get pocket money. Save a little, don't buy anything unimportant. However, you should not save on food - malnutrition has never led to success!))

· Do you get money for the holidays? Postpone, and don't buy right away, whatever you want!

· You are given money for some great work done: for example, helping dad with the car, mom in the garden? If you are encouraged for big household chores or you help a neighbor or acquaintance, and they give you money, - put it aside - you will become richer. Wealth is not the number of computers, smartphones, etc., it is the presence of money that you can spend when needed without any problems. Therefore, it is worth saving and you should not buy unnecessary things, such as, for example, a new smartphone on Android Kit Kat, when you have version 4.2.2., it is not worse.

 Is it possible to withdraw accumulated funds?

 Yes, of course, that's why we accumulate them. Let's say you have 3,000 yen in your cash register. of your funds, and you need a smartphone, you solemnly declare that in the next month you will withdraw the specified amount from circulation. It is necessary to warn, in case your sister  doesn't have enough for a doll?)) She should know to re-borrow money from mom. And it is important that your 50 yen contribution for the new month remains in the cash register in order to remain a member of the cooperative. It is unpleasant to lose the position of the head of the Coop.))

 By the way, you can take an additional 1 percent of the deposited amount from each check for bookkeeping. This is your work, and work must be paid, so it is natural. But, if you are still small, entrust this matter to your mother.

 Is it possible to invite someone else to the fund?

 So. Anything is possible, it's your organization. We advise you to "friend families" that your family trusts, and if that family trusts you. There should be no temptation to run away with money! Otherwise, it is already a financial pyramid, and it is punishable by law with deprivation of liberty and confiscation of property. Do you need it?)) Always work honestly! Those around you will appreciate you for that.

 Good luck to you, my friend, in your financial endeavors! This is not taught in school. Although they should! Tell your friends and parents about the mutual aid fund. This is really interesting!