It Is Not That People Who Made Most Of The Money Are Success, Infact SUCCESS are Those Who Attract Money





Pic - :: The " TRUTH" of " SUCCESS "   of Money 

It Is Not That People Who Made Most Of The Money Are Success, Infact SUCCESS are Those Who Attract Money 
NEVER :: Success is NOT Human Being Making Money – It Is Vice-Versa

Not now and not from now, it is from times immemorial. It always is believed that  ONE WHO HAS MADE A LOT OF MONEY IS THE ONE WHO HAS BEEN AND IS CONSIDERED VERY SUCCESSFUL.

Is it that one who had made enormous amount of money and one who is loaded with all the amenities and the facilities of the WORLD is considered to be a very successful man.

Take  a case. A person who dies leaves behind a fortune of Rupees 600 million dollars for his only son who is not worth anything at all. Would you call him as SUCESSFUL man after sometimes he derives that.

What is success then .Can anybody in that manner and in that matter define the TERM and the WORD success, then. Success cannot be really defined in any manner except that if a person, she, or he, achieved something beyond his imagination could be defined as success or if they do something beyond the imagination could be termed as success.

In todays modern world success is taken as something which is related to about making a huge amount of money , with all the amenities and the facilities placed at one’s or their feet and with a command if they can do and get do anything, then it becomes a case of success for them for the people to say that he or she is a successful entity.

Success thus is measured in FINANCE and it is related to the money and the materialistic entities or the things that one possesses. But the question is- is that success. Is success is only limited to finance and financial matter.

What is financial success ?

 Let us figure out by any stretch of imagination about the Financial success.Is it earning more Income?  Is it that , or is it all about generating best returns out of investments? I have seen many people calling themselves well settled in life but still struggling with their money matters. Well settled for them is to have enough money so they should not be bothered to spend wherever they want. They want to have best of the best luxuries in the world, want to go on exotic holidays, want best education for their kids, best location house etc. And in the search of best they don’t shy away from taking loans, in fact there so called well settled status gets them the loan they want. And here they start with their first step towards financial stress, which they are actually presuming as financial success. 

Financial Success Does Not End’s  Any Search For Them - ::

This does not end their search for best. As most of their income is going into expenses towards managing their lifestyle they are left with very little surplus and thus starts looking for best investment products which generates them best returns and when they don’t get the returns they expect, leads to financial stress.

What is Financial success?

One really, at FIRST ought to know the Financial success !!. What does it means is the first step to know financial success . Financial success aided with any materialistic elements or the tools cannot be the overall success of a man or a human being.

A person can have millions of millions , but if he has failed to put his home and the house in the proper order, however rich she, or , he , could be they cannot be counted and termed as financial success in a relative manner and an overall success in any case and in any manner.

Achieving financial success actually means when your money begins to work for you and starts generating more or equal to what you earn. You may call it financial freedom too. You are financially successful .

I have followed some of the patterns that I could figure out and consider it to be a Financial success. Some of the illustrations of Financial success are as enumerated as under-:

·         When you can buy your desired car without even thinking of Car loan,

·         When you can go on exotic vacations without converting the expenses into EMIs and worrying about your next month pay check

·         When you can comfortably pay towards your parents medical expenses without stressing your family budget

·         When you have control on your spending and know what to spend, where and why.

·         When you spend time on improving your employability rather than hopping jobs to find a suitable/high paying option.

·         When you know that in your absence your partner will take care of money matters confidently.

·         When you know that the education you are buying for your children will make them a good human being besides a good professional.

·         When you know that even if your income flow gets interrupted still there’s something to take care of important expenditures

Financial Success :: It Is Never A “ FAST-WHIZ-ROCKET-SCIENCE ”

Attaining financial success is not a rocket science. You just have to do the same things you used to do while you were in school. You had a goal, you were focused on that goal, you studied with discipline and you knew there is no short cut to success. You have to study hard to clear competition/entrance exams or get into good college and the like. You have a mentor, you have a defined curriculum and you know what to achieve.

 I have studied some lines on it by Mr Prakash Parikh who has written a beautiful book on behavioural Science and Management and he has illustrated something which should really convince a MILIIONS of them by THOUSAND times .

 Parag Parikh in his book on behavioral finance wrote:

“ Successful people are simply those who make a habit of doing what unsuccessful people don’t like to do. And what are the things that unsuccessful people don’t like to do ? They are the same things that successful people do not like to do , but they know that these are prices of success..” 

Failures and the reason for the same-:

People fail because in life they do what is fun and easy rather than what is hard and necessary. They do what is tension relieving rather than goal achieving.

This is true in financial life also. The inability to delay instant gratification lead people to look out for loans while buying not so necessary products. Investment for them is to make short term profits. Unlike school  or the college days, now they are on their own so discipline is something the thing of past and is meant for their children to have. They treat spending as their right and saving as obligation. Without any goal in mind they start with long term investments and withdraw for short term desires. Using credit cards is something that excites them.

Shift Of Their “ PARADIGM ” Towards The Disaster

 People in an attempt to do and get everything end up in DISASTER and this is what they meet at the end of everything. His is what they keep on doing and they spend all their energy while and for doing these things that they do.

In an attempt to earn more and be able to spend like anything, more and more, they run from pillar to post to earn money like anything. But in all this they don’t realize the after effects of such behavior. They are slowly moving towards financial disaster and not financial success. Below are some of my thoughts on how one can achieve financial success. You can look at the life of any financially successful person and see them following these 3 steps in their lives.

1) . Where you want to go ? : First thing first, spend time on yourself. You should know what you want to achieve in life. What are the things that will give you peace of mind, will keep you happy and are important in your life. Financial life is a part of your personal life and there are many things that money can’t buy, but still money is required for many things. In short set goals and write them. Written Goals will give you a clear cut idea about what to achieve.  Also set a timeline to achieve those goals.

2) . Where are you right now ? : Organize your financial records at one place to figure out what have you done with your money in previous years. Note down all your bank balances, Insurance policies, investment details, loan schedules etc. Also note down how much, where and for what you had spend your most precious thing i.e. your time.

3 ) . How to reach where you want to go ? : This is like when you have decided to appear for any competitive exam, which books you should start reading and what strategies to follow to clear the exam. In achieving financial success you have to embrace yourself with the concepts of Budgeting, Cash flow management, Insurance and risk management, Investments, Taxes and Estate planning etc. These are some technical names of simple things. You must be hearing some of these names in your daily routine. Here again you can either do it yourself by studying various books on these subjects or following some blogs and asking questions on forums, also by attending presentations and seminars on these topics. Or you can also engage a Certified financial planner and Registered Investment adviser who can hand hold you, make you understand the concepts, pin point the mistakes that you are  making and design a road map which you can follow to reach out to your goals.

As they say- ::

“Successful people constantly learn and grow and not so successful think they already know ”

Your financial goals and personal goals should be looked at simultaneously, however NEVER at any point they should be allowed to inter-collide or mix with each other No sooner that you allow to let that happen, you will be at a state of confusion and that confusion would lead you to many a wrong step that you would take and that will make yo very confused to take an appropriate decision about yourself in any or many a way and manner. That is for sure . Say for e.g you want to spend more time with your kids or parents, but in that case you have to look out for job where you may have to compromise on your income. You have to understand the impact and chose what will make you happy. 

Key To A Jump In Happiness Index



Pic - :: Graph Of The Index Of Happiness And Satisfaction 

Unlike your competition exam where you have to compete with others and come out with flying colors, in achieving financial success you have to compete with your own habits and behavior. The results cannot be measured in numbers alone like how much wealth you have accumulated, what return you are getting out of your investments, but how organized and peaceful your life has become. How confident you feel about your future. You will see a jump in your happiness index.

The only sacrifice you have to make in achieving financial success is to come out of your comfort zone and ready to accept and improve on to your mistakes if any. It may bother you for sometime, but once it becomes habit, you are on your path to financial success.

I am wondering what you think of financial success. Tell me about your views in the comments section below. 

However let me tell you all- WITHOUT EVEN EARNING ANYTHING MORE THAN 40 LAKHS OF RUPEES IN TOTO,  IN MY ENTIRE PROFESSIONAL CAREER,  I’M A VERY COMFORTABLE MAN WITH SO MUCH OF ETERNAL PEACE THAT I POSSESS .

It is because I PREFERRED to do what I wanted and I put my money to get MY - PEACE of mind rather than all those things which would only add to my mental duress and stress which would have broken  my heath for everything. 

People if at all adore me, they do it for my well eing of the HEALTH I possess beside my overall attitude to always lean myself of choosing the most appropriate thing that I need to do rather than anything else. 

 I REALLY BELIEVED ON THESE WORDS AND LINES AND DID FOLLOW IT TO HILT .

Success in a  negligible manner , but in a  and small quantity always kept on KISSING MY FEAT- NOT my "FEET " .

As they say-:

“ LITTLE DROPS OF WATER MAKES AN MIGHTY OCEAN ” …..

Without achieving anything like WINNING THE CRICKET WORLD CUP or an OLYMPIC GOLD MEDAL  IN HOCKEY,  …….

I DID TASTE “ OCEAN ” OF SUCCESS …….

“ Those little drops of WATER actually is my OCEAN of success ……though my POCKET has always been SHORT of money ” ……

 Well , that is it and That sums it all.

Regards and Thanks

Pics



Shyamal Bhattacharjee 

Mr Shyamal Bhattacharjee, the author was born at West Chirimiri Colliery at District Surguja, Chattisgarh on July 6th 1959 He received his early education at Carmel Convent School Bishrampur and later at Christ Church Boys' Higher Secondary School at Jabalpur. He later joined Hislop College at Nagpur and completed his graduation in Science and he also added a degree in    B A thereafter. He joined the HITAVADA, a leading dailies of Central India at Nagpur as a      Sub-Editor ( Sports ) but gave up to complete his MBA in 1984 He thereafter added a Diploma In Export Management. He has authored THREE books namely Notable Quotes and Noble Thought published by Pustak Mahal in 2001 Indian Cricket : Faces That Changed It  published by Manas Publications in 2009 and Essential Of Office Management published by NBCA, Kolkatta  in 2012. He has a experience of about 35 years in Marketing .






Signature Of Shyamal Bhattacharjee 

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