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If you have been trying to pay off all your debts and start saving for a long time, but nothing works, then it is time to reconsider your attitude to spending. All successful people - businessmen, investors, billionaires - are united by a very pragmatic attitude towards expenses.

In vain, someone thinks that rich people like to overspend. We are in website analyzed what different publications around the world write about billionaires, and found several categories of purchases that the wealthy and successful prefer not to spend money on. Unlike you and me.

impulsive shopping

Take a nice, but unnecessary thing at a discount and, when you come home, regret it: who hasn’t happened to? We all sometimes spend money on impulsive purchases, and this sets us apart from the billionaires, for whom extra jeans just won’t do the weather. But, as investor and billionaire Warren Buffett said, “If we buy what we don’t need, we will soon have to sell the things we need.” An effective way to avoid spending on unnecessary things is to make a shopping list before going to the store.

Expensive real estate

Extended warranties

On extended warranty offers upon purchase new technology people with modest incomes agree more often: they are the ones who worry more about the fact that the thing can be damaged, and as a result overpay. Although, according to U. S. News Money, a manufacturer's warranty is more than enough.

Clothing and footwear of elite brands

Millionaires can afford luxurious clothes from the new collections of the most expensive designers, but if their life is not connected with frequent appearances, then they prefer not to do this. Remember how Steve Jobs dressed. Bill Gates' watch costs $10, Roman Abramovich does not consider it shameful to appear in public in a T-shirt for 700 rubles. , and the wife of the heir to the British throne often goes out in mass-market clothes.

Latest Gadgets

A wealthy person will not chase the latest model of a smartphone or watch, even if their gadget has already gone out of fashion, lost its appearance or is morally obsolete. Millionaires use a different mechanism for making purchasing decisions: they calculate how appropriate a given spending will be at the present time. Rapidly cheaper electronics rarely justifies the money spent.

Credits, commissions and penalties for deferred payments

Wealthy people don't take out loans or spend money on fines, penalties, and fees for one simple reason: they always pay on time, never delinquent. Dollar billionaire investor Mark Cuban said, "If you use a credit card, you just don't want to be rich."

Lots of trendy toys for kids

Unhealthy food

The most important difference between a millionaire's menu and what a person with modest income usually eats is not the cost of food at all. Rich people are literally obsessed with healthy eating. They can eat the same grains and vegetables as mere mortals, but they are unlikely to eat shawarma, hamburgers, french fries and salads heavily sprinkled with mayonnaise from the prepared food section of the supermarket.

Representation expenses

These include the costs of creating the image of the rich and successful person. In other words, to splurge. For chic banquets, business class flights, new cars, people who want to appear richer throw out huge sums. Whereas the truly successful often live very modestly. For example, the founder of IKEA, Ingvar Kamprad, flew economy class and drove an old Volvo, and Queen Elizabeth II of England saves electricity at Buckingham Palace.

Additional education for children

People with average incomes often hire different teachers for their child. Some do it with the hope of discovering a talent that will give him a ticket to a happy, comfortable life. Others believe that with the help of tutors, the child will better learn the material. Rich people relying on personal experience know that extra lessons are no guarantee of financial success in the future, and allow children to enjoy their childhood.

Psychics, fortune tellers and soothsayers

New finishing materials and furniture styles appear almost every month. Representatives of the middle class, following the latest trends, spend money on what is fashionable in this moment. A few years later, their interior already looks irrelevant: no one buys floral wallpaper, bright geometric ornaments are in fashion. It's time to change everything! If you look at the interiors of rich people, it is often impossible to understand how old they are. Painted walls, whitewashed ceiling and wooden or tiled floors are a time-honoured option.

It is difficult to change financial habits: along the way, you will have to reconsider your current lifestyle, make adjustments to your worldview. What expenses could you easily give up, and what are you not ready to sacrifice even for the sake of a brighter future?

Do you want to be rich? Take a cue from the rich. Think like them, work like them, live like them. And dress like them.

We recently went on the theme of style with our expert figuring out how rich people dress. Choose an image to change yourself and your life.

Elon Musk

Elon Musk is often included in the tops of the most stylish celebrities. He feels equally comfortable in a Briony suit, t-shirt and jeans. That is why he became the prototype of Tony Stark from Iron Man.

Steve Jobs

Every Apple fan knows the image of Steve Jobs: a black turtleneck, Levi's 501 jeans and New Balance 991 sneakers. He has not changed his wardrobe since 1998.

Mark Zuckerberg

Zuckerberg's business card is a gray T-shirt. He posted photos of his closet on Facebook, where several dozen identical gray T-shirts hung on hangers. Mark almost always walks like this: a gray T-shirt, Levi's jeans and Adidas sandals.

Richard Branson

Branson's image is one of the most recognizable. For two decades now, he has not changed a white shirt with two buttons unbuttoned at the top. Plus white hair and a beard.

Chris Sacca

Billionaire Chris Sacca has invested in many successful projects: Twitter, Instagram, Uber. He is known not only for this, but also for his love of cowboy style. In public, he appears in embroidered cowboy shirts and high leather boots.

Evgeny Chichvarkin

The former owner of Euroset and the founder of the "world's best wine store" Hedonism Wines calls his style "clochardeluxe": from the French "clochard" - homeless. And Eugene dresses, in his own words, "a young man with an unstable psyche and non-traditional sexual orientation."

Often we evaluate people by their clothes and involuntarily form an impression of a person by looking at how he is dressed. However, if you look at the richest people on the planet, it is not always possible to say by their appearance - here they are, billionaires. Recall at least the same Steve Jobs, whom we most often saw in a black turtleneck and blue jeans.

Today we decided to take a look at how the richest women in the world dress.

Alice Walton

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The only daughter of Wal-Mart founder Alice Walton is worth $46 billion. In clothes, she prefers the classics: strict suits, elegant dresses and sophisticated accessories. Interesting glasses are another feature of Alice's style.

Lauren Powell Jobs

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Many people know Lauren as the wife of Steve Jobs. However, she herself does not sit idly by. Mrs. Jobs owns a huge stake in Disney and recently acquired a stake in The Atlantic. In addition, she founded several non-profit projects. Lauren is a regular guest not only of business publications, but also of gloss. Her incredible sense of style is inspiring!

Miuccia Prada

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Miuccia Prada, at 69, is not only a fairly wealthy woman, but also a very bright and cheerful woman. Come to the red carpet in the image of Zeliboba? Why not! Miuccia enjoys life and proves that all ages are submissive to fashion.

Françoise Bettencourt-Meyers

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33% shares worldwide famous brand L'Oreal is owned by 64-year-old Francoise. In 2017, her income was more than $40 billion, but it cannot be said that the heiress of the cosmetic empire is trying to stand out from the crowd with bright outfits. Not at all. On the contrary, Francoise prefers monochrome looks with unusual details and accessories.

Ivanka Trump

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Ivanka belongs to the type of people who grew up in golden swaddling clothes. But since childhood, little Ivanka was told that she must achieve everything. Which, in fact, she did: she graduated from a business school, built a career and leads her own projects. Ivanka's style always corresponds to new trends, but without fanaticism. She dresses stylishly, expensively and without excesses.

Elena Baturina

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Elena Baturina is the most rich woman Russia, his fortune of 1 billion dollars???? she made her own money. She is the co-founder of Inteco, chairman of the Supervisory Board of Inteco Management, creator of an international high-end hotel chain, and shareholder in Gazprom and Sberbank. Now Elena is acquiring real estate???? in the UK and the USA, and together with his husband, the ex-mayor of Moscow, Yuri Luzhkov, manages the Weedern horse breeding concern. In her free time, the businesswoman plays tennis, golf, skiing⛷, collects photos, works of art and retro cars????, in her park there are no less than fifty of them. Baturina created charitable foundation Noosphere, which deals with issues of religious tolerance, also funds Be Open, which supports young designers around the world????. ❓What can you say about the entrepreneur? #energymania #energymaniaekb #energymaniayekaterinburg #energymonamiapeople #success story #baturina #elenabaturina #forbswomen #energymaniahistory of success #batterieskaterinburg

Posted by #energomania (@energo_mania) 26 Feb 2018 at 1:57 PST

Compared to the women from this collection, Elena Baturina's fortune is a drop in the ocean, but still she is one of the wealthiest ladies in Russia and the CIS. Elena's style is far from current trends, but if she is so comfortable, then why not? Can afford!

Sheikha Moza

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Sheikha Moza is the second of the three wives of the Emir of Qatar, Sheikh Hamad bin Khalifa al-Thani. She has seven children, and she manages to engage in social and political activities. Sheikh in her images manages to masterfully combine a tribute to traditions, and at the same time she was recognized more than once stylish woman planets. Her personal fortune is estimated at $7 billion.

We all know how pop and movie stars dress, but few people are interested in the wardrobe of famous "nerds". Their wardrobe is radically different from public people, although they have six-figure bank accounts. What are the richest "wise men" wearing?

Bill Gates doesn't care about brands

Bill Gates is the richest man in the world, but he doesn't take care of his wardrobe at all. Gates is of the opinion that he does not need expensive clothes, and they are absolutely useless. The billionaire is often seen in torn clothes, he believes that things should be functional, but no more. Outwardly, Gates looks like an ordinary guy who does not stand out from the crowd. For Bill, intellectual development comes first, not a luxurious lifestyle.

Bill Gates

Zuckerberg loves funny hoodies

Facebook founder Mark Zuckerberg also doesn't pay attention to his wardrobe. He doesn't care what he's wearing. He is criticized for wearing sweatshirts with strange and funny images. It is strange to see one of the richest people in ridiculous sweatshirts that absolutely do not correspond to his status. It is thanks to Mark that the sweatshirt has become popular in the IT field, and it is worn by leading experts in the world. More than once, Mark surprised everyone by coming to work in pajamas, in which he sleeps at home. He explains this by saying that he does not have time to choose things for the wardrobe.

Mark Zuckerberg

A few words about the color of power Pavel Durov

The creator of the social network Vkontakte Pavel Durov - although he does not lead the TOP of the richest in the world, he is also a wealthy person, according to Russian standards. Judging by his photographs, even before leaving VK, Pavel liked to wear black. Yes, he most likely does not spend much time choosing a wardrobe. But he is of the opinion that black is a symbol of power.

Pavel Durov

Jobs liked Miyaki turtlenecks and Levi's jeans.

The founder of Apple, Steve Jobs, differed from other rich people in that he always wore a black turtleneck (Issey Miyake personally sewed several dozen turtlenecks for him), Levi's jeans, and New Balance sneakers on his feet.

It was thanks to the black turtleneck that Jobs became recognizable all over the world. After his death, the number of sales of black turtlenecks increased several times. Such clothes became the hallmark of Steve Jobs, it was in this way that he was remembered by millions of people around the world.

Steve Jobs

Sergey Brin does not spend money on clothes

Sergey Brin is one of the founders of the famous Google. He leads an active lifestyle, loves to play sports and skate and play hockey. Sergey cannot imagine his life without movement, and he chooses clothes based on this. It can be seen in

The “destroy cabinets” movement is gaining momentum.

“Fast Fashion” comes into fashion. This is when people deliberately “do not bother” about their style. And they put on in the morning the first thing they felt when they were awake.

This is the answer of the best representatives modern world on the imposed culture of “following trends”. But it's not just protest.

Today, what is “practical” and does not take “too much time” is fashionable.

The trend, oddly enough, was laid not by a fashionista at all, but by a businessman. Steve Jobs. Everyone knows that in the second half of his life he adhered to the same dress code: blue classic jeans Levi's, black turtleneck, and white New Balance sneakers.

Mark Zuckerberg does the same. He does not cheat on dark blue jeans and a gray t-shirt or sweatshirt.

It was with the filing of these two that the phenomenon became mainstream. At least in the United States.

If you've ever wondered why the hell some billionaires wear the same "UG" every day when they can afford absolutely any outfit, then here are 6 compelling reasons why they do it.

1. Less decisions - less fatigue.

This phenomenon has already been noticed and proven by psychologists. It is even written about on Wikipedia. The bottom line is that for your brain there is no difference whether you make an important decision or not. Deciding what to wear before a trip to the office, he will spend as much energy as deciding whether to ask his boss for a raise.

For people who make important decisions every day, removing even one daily question from life is already something. Refuse to answer “extra” questions - and you will have more mental space and energy for other important things and tasks.

This rule is followed, for example, by US President Barack Obama.

“You may have noticed that I only wear gray and blue suits. I'm trying to reduce the number of decisions I make. And I don't want to think about what I eat or wear. I have many other important questions to answer!”.

All the details related to his wardrobe and food are decided by his wife Michelle.

Mark Zuckerberg does the same for the same reasons. Moreover, the young billionaire still drives an old Honda Accord. He just does not want to change the car so that he does not have to waste time “adapting” to it.

Well, you get the idea: this guy doesn't buy a Ferrari just because he doesn't want to learn how to drive one!

“I feel like I won't be able to do my job if I spend energy and energy on stupid and unnecessary things in life, and not dedicate myself to creating new products and services,” he explains.

We don’t even suspect how much we can do if we don’t do anything extra in life. But as soon as you start doing this, you will realize that you have discovered new life, full of freedom and opportunities!

Five years ago, I first tried the Project 333 experiment. The idea is to reduce the number of personal items to 33 in three months. simple idea also turned out to be extremely useful.

I quickly discovered the main benefit of a minimalist wardrobe: you give yourself time. In the morning, it becomes easier for you to get ready for work. You do not waste time on tedious shopping. Spend less time washing and ironing.

3.Less stress.

Mathilde Kahl, an art director from New York, also wears the same outfit every day. She believes that this allows her to get rid of the “extra stress” associated with the need to think through her appearance just a few minutes after waking up.

“Is this too formal? And this is somehow vulgar? Is this dress too short? Whatever choice I made, then often I still regretted it already on the street. Now I know that a silk white shirt and black trousers are always a great choice. And you said no to another source of anxiety throughout the day,” she explains.

4. Less time is wasted.

Christopher Nolan has created some of the coolest commercial films in history. "Start", for example. Or Interstellar. And also “The Prestige”, “Remember” and the last two “Batmen”.

So, in an interview with New York Times Magazine, he said that “deciding what to wear every morning means wasting your life.” Now he does not change the narrow dark jacket, blue shirt and black trousers.

Nolan is concerned not only with the decision problem, but also with the time spent shopping and then folding and rearranging clothes in the closet.

5. This is a sign of maturity.

Alice Gregory, a writer from New York, in an interview with J. Crew magazine noted that people should treat clothes like uniforms, but the fashion industry has powdered their brains.

“Clothing is the cheapest, easiest and smartest way to feel like a celebrity. And if you continue to dress up until now, then this is rather a sign of mental immaturity. Because with age, everyone's priorities change. Only as you get older do you realize that comfort is more important. fashion trends' she explains.

Alice herself always wears only dark sweaters and jeans.

6.Less money will be wasted.

The average American spends $1,700 a year on clothes. Ukrainians spend about 10% of their budget on it. It may not seem like much, but in most cases you spend money on clothes, although you don’t need them at all. In 1930, the average American woman had 9 outfits. Now there are 30 of them, and this figure is growing.

If you weren't so careful about your image, you would probably find a better use for this money.

We are representatives of a society that is drowning in unnecessary things. People need at least a breath of freedom in their daily consumer slavery. Try something new: get rid of half the contents of your closet! And you will realize that you have more to grow. On the mental level.

In the end, those who preach the principles of minimalism work better, experience less stress, are less distracted, spend less money, and have more peace of mind in their lives.